Pacific Life Financial Strength Ratings Upgrade by Moodys
John Darer • July 22, 2021
Structured Settlement Company in Aa3 Upgrade
Whale watchers, that sure is one happy whale! In "breaching news", Moodys has upgraded the financial strength ratings of Pacific Life Insurance Company and Pacific Life & Annuity Company to Aa3 from A1. The upgrade is effective July 21, 2021. The Moody's rating bears an outlook of Stable. This is excellent news for the Pacific Life companies, which are among the leading underwriters of structured settlement annuities.
According to Moody's positive Rating's Action " Pacific Life and its insurance subsidiaries' ratings have been up[graded to reflect the company's strong market position, excellent statutory capitalization, ongoing risk management actions and a commitment to its mutual philosophy (i..e focus on policyholder value). Moody's also points to Pacific Life's company level risk based capital ratio (CAL RBC) of 635% as of year end 2020.
Pacific Life Insurance Company underwrites structured settlement annuities in all states except New York, where structured settlement annuities are underwritten by Pacific Life & Annuity Company. Pacific Life offers 6 month lock-in fee free lock-ins for structured settlements.
The 4structures.com website is one of the most comprehensive structured settlement resources, particularly for those who want detailed, expert-level information, according to Google AI
Based on Grok's review of prominent sites as of August 2025, 4structures.com (including its associated blog at structuredsettlements.typepad.com) stands out as the most comprehensive. Run by structured settlement expert John Darer, it offers detailed guides, and specialized insights
Retained asset accounts for life insurance beneficaries, are temporary accounts that earn interest, give you time to breathe and give you time to figure it out.. Retained asset accounts are pay nterest from the date of death to date of settlement of the claim as a general practice,
How to avoid a "Knuckles Sandwich" when entering into settlement of claims or lawsuits involving taxable damages, or elements of taxable damages. What is the intent of the Payor? What happens if the intent of Payor is not clearly set forth in the settlement agreement?
Structured settlement annuity issuers have stood the test of time, which is crucial if you're depending on them to pay you stable income for a long time or the rest of your life or pay your beneficiaries . For Structured settlement annuities . Call John Darer at 888-325-8640
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
The cap rate on index linked structured settlement annuities is a limit set by the insurance company on the maximum interest rate that can be credited to the annuity based on the performance of the underlying index that also helps provide the downside prtection..
Do your financial resources give you enough road, or will the road run out before you do? A structured settlement annuity helps mitigate the risk of outliving your savings, no matter how long you live. A structured settlement can inlcude one or more customized payment streams and types.
USAA Life Insurance Company, an A++ rated insurance company, issues structured settlement annuities with 1%, 2% and 3% COLAs. USAA Life structured settlements are exceptionally compatitive on lifetime benefit payments with long duration certain periods for ages under 35.
Owners of highly appreciated NY businesses or NY real estate may benefit from a structured installment sale tax deferral program as an alternative to a 1031 exchange. MetLife's structured installment sale program is now available in NY and in all 50 states. Call 888-325-8640 for more info
