Prudential Income Advantage | Indexed Structured Settlement Annuity Income Advantage

John Darer • June 2, 2025

Growth potential, downside risk protection, tax benefits

prudential structured settlement index linked

Prudential Income Advantage Indexed Structured Settlement™ (Income Advantage), is an index linked structured settlement annuity product


Along with many of the benefits that a traditional structured settlement delivers, Income Advantage provides:

  • an opportunity for market-linked gains during a deferral period, with growth linked to the S&P 500®,
  • guarantees a minimum payment amount.
  • U.S. domiciled annuity issuer
  • U.S. domiciled qualified assignment company
  • Provides another indexed structured settlement option that has the potential to grow funds received through a physical injury settlement while also offering protection from market declines, without the need to go offshore. for any component of the transaction.
  • Prudential has received two IRS Private Letter Rulings that support the transaction.  See IRS PLR 107798-23 and IRS PLR 109799-2 published October 30, 2023.


A Prudential Income Advantage structured settlement explainer video appears further down the page. Scroll down to view


Call now to discuss



Who issues the Prudential Income Advantage Indexed Structured Settlement Annuity?


The new structured settlement annuity is issued by The Prudential Insurance Company of America, which traces its roots back to 1875.


At time of posting, The Prudential Insurance Company of America holds the following ratings


A. M. Best Rated            A+

Standard & Poors          AA-

Moodys                           Aa3

Fitch Ratings                   AA-



  • Fortune® World’s Most Admired Companies™ 2025 “Insurance: Life and Health” category
  • Ethisphere World’s Most Ethical Companies® 2025  (11th consecutive year)
  • Fortune 500® list of America’s largest corporations
  • Largest life insurer in the United States (life and health combined) based on total admitted asset
  • 5th-largest seller of individual life insurance in the United States based on new recurring premium
  • 3rd-largest insurer in the United States based on net premiums


How Does Prudential's Income Advantage Compare to Other Index Linked Structured Settlement Annuities?


A. Compared to other domestic index linked structured settlement

  • Higher cap than other domestic index linked structured settlement
  • Indexing begins from the outset rather than when payments start

B Compared to other index linked structured settlement providers

Note

  • Prudential Income Advantage is not available for non qualfied assignments, while certain other product providers provide non qualified assignment solutions.
  • Non-domestic non qualified assignment companies are an important solution where the damages being structured do not qualify under IRC 130, the section of the United States Code that governs Qualified Assignments.



Call now to Discuss Structured Settlements


Watch  Prudential Income Advantage Indexed Structured Settlement Annuity explainer video below


Last updated June 2, 2025

USAA structured settlements
By John Darer July 16, 2025
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.
MetLife Structured Installment Sales Now Available in New York
By John Darer July 8, 2025
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
what is a qualified assignment
By John Darer July 8, 2025
A qualified assignment is part of the process to establish a structured settlement that enables a Defendant, Insurer, or Qualified Settlement Fund, to achieve a complete novation of the future periodic payment claim established by suit or agreement, through a substitution of obligors.
structured settlement annuity
By John Darer July 2, 2025
An annuity and a structured settlement walked into a bar, how do you tell them apart? 4structures' John Darer reviews the differences for you right here.
lifetime structured settlement annuity lake tahoe
By John Darer July 2, 2025
A lifetime structured settlement annuity turns part of your settlement recovery  into guaranteed income you can’t outlive that is contractually guaranteed by a regulated life insurance company. A lifetime annuity is sometimes referred to as longevity insurance.
Budgeting and Settlement Planning
By John Darer July 1, 2025
Structured settlement annuities can be very helpful to the budgeting process by providing guaranteed income streams and deferred lump sum payments tailored to specific budget needs and time frames identified in the settlement planning process.
secondary market annuity
By John Darer June 28, 2025
Structured settlement receivables are often deceptfully marketed to investors as annuities. When the originating structured settlement factoring company buys structured settlement payments in a structured settlement factoring transaction, they are buying a receivable not an annuity.
constructive receipt structured settlement
By John Darer June 21, 2025
Avoid constructive receipt if a structured settllement or structured attorney fee is to be established. Care must be taken to avoid constructive receipt.
USAA Life Insurance Company structured settlements
By John Darer June 9, 2025
Financial services provider USAA ranks 94th on Fortune 500. USAA Life Insurance Company, which earns the top rating of A++ from AMBest is often super competitive on longer term payment streams.
structured settlement cash flow
By John Darer May 27, 2025
How would you like to have a "job" that provides you options of guaranteed income for life without being fired, guaranteed raises and no income taxes? If you're eligible, there are ALOT of openings. Find out if you're eligible.
More Posts