Blog Post

New York Life Structured Settlements

John Darer • Mar 16, 2018

Puts 175 Years of Experience Behind Long Term Obligations

The above vintage New York Life Insurance Company advertisement was published in 1937. The message, delivered during the Great Depression, a time of economic upheaval, was that then 92 year old New York Life has been a beacon of safety through many economic storms. New York Life celebrates its 175th birthday in 2020.  New York Life Insurance Company is still getting it done for its policyholders and annuitants.

New York Life Insurance Company has earned solid ratings from all major rating agencies.

A.M. Best A++
Moodys   Aaa
Fitch   AAA
S&P   AA+

A Stable Horse For a Stable Journey
Structured settlements are often long term obligations providing stable income for predictable needs. When you think of long term obligations you want a solid horse under you. We're happy to have New York Life Insurance Company as one of the horses in our stable of solutions for our clients.

New York Life is no slouch when it comes to pricing for the segment of structured settlement business that they want which is often intermediate term cash flows. 

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What is Risk Adjusted Capital Ratio (RACR)?

By John Darer • 07 May, 2024
What is Risk Adjusted Capital Ratio (RACR) What does RACR Ratio mean forr your structured settlement annuity company, or one that you are considering. How does RACR compare with RBC Ratio?
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What is Risk Based Capital?

By John Darer • 06 May, 2024
What is Risk Based Capital? What Does the RBC Ratio Mean for Your Structured Settlement Annuity Company?
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What is A Certified Financial Transitionist? (CeFT)

By John Darer • 25 Apr, 2024
A Certified Financial Transitionist is trained and certified to help clients navigate through major life events and the financial transitions that accompany them. Especially useful for personal injury victims and wrongful death survivors to help prepare for the important decisions they will need to make.
Sequencing Risk for Those Receiving Legal Settlements

What is Sequencing Risk? Can Structured Settlements Help?

By John Darer • 22 Apr, 2024
John Darer reviews sequencing risk and the impact of early spending after settlement. Sequencing and Decumulation risk is a factor for recipients of legal settlements and should be addressed in advance of settlement as aprt of settlement planning and wealth orientation.
structured settlement rate lock ins

What is a Structured Settlement Lock-in?

By John Darer • 21 Apr, 2024
A structured settlement lock-in means that the structured settlement annuity issuer will guarantee the cost of a specific benefit stream in exchange for the "quid pro quo" of a commitment to accept or purchase. The guarantee could be a week , or 6 months.
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Market Based Structured Settlements | How They Work

By John Darer • 14 Apr, 2024
An introduction to Market Based Structured Settements for Plaintiffs, Lawyers and Law Firms and Settling Parties
new york structured settlements, new york city structured settlements, nyc structured settlement cos

New York City Structured Settlement Annuities 2024

By John Darer • 16 Mar, 2024
Which life insurance companies write structured settlement annuities for personal injury and wrrongful death settlements in Bronx, Brooklyn, Staten Island, Queens, Manhattan, Long Island, Westchester, Erie, Rockland, Albany,Monroe in 2024 through licensed representatives?
flying inverted

NY CPLR 50A/50B | Rising Yields 2022-2024 Squeezed 15 Year Plaintiff Advantage

By John Darer • 16 Mar, 2024
While rising yields have narrowed the gap for defendants in New York CPLR 50A and 50B projections, plaintiffs can still " fly inverted" and get plenty of "lift" when negotiating settlements by using savvy settlement experts
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Construction Defect Structured Settlements

By John Darer • 12 Mar, 2024
Structured settlements can be used where construction defects lead to personal physical injury, physical sickness, or loss of life. In addition, structured settlements may be helpful to plaintiffs who wish to spread out basis, smooth out capital gains or income
structured settlement beneficiary

Structured Settlement Beneficiary Death Claim | What You Need to Know 2024

By John Darer • 08 Mar, 2024
Structured settlement beneficiary death claim. An executor cannot change the beneficiary of a structured settlement annuity. Typically, settlement agreements permit the Payee to name or change a beneficiary, provided such change is in writing and submitted to the Assigmment Company or the annuity issuer in writing and in proper form. An executor is a court appointed representative of the decedent, or in this case, deceased structured settlement annuitant. The insurance beneficiary designation is a contract between the decedent and the insurance company that was entered into prior to the decedent's death.
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