TOP STRUCTURED SETTLEMENT ANNUITY COMPANIES 2026

Structured Settlement Annuities are Only Offered Through Licensed and Appointed Structured Settlement Consultant Specialists, Structured Settlement Brokers and Settlement Planners
SPEAK TO STRUCTURED SETTLEMENT ANNUITY EXPERT NOW

STRUCTURED SETTLEMENT ANNUITY COMPANIES 2026

Structured Settlement Annuities Are Only Available Through Insurance Licensed, Insurer Authorized, Structured Settlement Brokers and Settlement Planners
Structured Settlement Annuity Company/ Structured Annuity Issuer
Assignment Company or Guarantor 		AM Best S&P Moodys
 		Fitch Minimum
Premium 		Assign.
Fee 		NY 50-A
& 50-B 		Secured
Creditor
American General Life Insurance Company
Home Office: Houston, TX
American General Annuity Service Corporation (for Qualified Assignments)
 AGL Assignment Company, LLC (for Non-Qualified Assignments, Funding Agreements)
AGC Life Ins. Co. (Guarantor)
A



A
 XV



XV
 A+


 A2


 A+



A+		 $25,000


 $0


 No


 Yes
American National Insurance Company (ANICO)
Home Office: Galveston, TX
American National Assignment Company, LLC (for Qualified Assignments)
American National Insurance Company
A



A
 XV



XV
 A


 --


 A



A		 $5,000


 $500


 No


 No
Berkshire Hathaway Life Insurance Company of Nebraska
Home Office: Omaha, NE
First Berkshire Hathaway Life Insurance Company (for NY settlements only)
Home Office: Flushing, NY
National Indemnity Company (Reinsurance and Dual Guarantor when BHLN premium >$3M)
Home Office: Omaha, NE
BHG Structured Settlements, Inc.
Columbia Insurance Company (Guarantor)
Home Office: Omaha, NE
Berkshire Hathaway logo
National Indemnity Company
A++

A+

A++


A++
 XV

VII

XV


XV
 AA+

N/R

AA+


AA+

N/R

Aa1


Aa1
 N/R

N/R



 $100,000

$100,000

$50,000

 $0

$0



 No

No


 Yes

Yes
Independent Life Insurance Company (Non-NY business only)
Home Office: Fort Worth, TX Service Center: Jacksonville. FL
Independent Assignment Company
Dominion Assignment Company (Swizerland) SPC Limited [iStructure funded cases]
Independent Life Insurance Company (Guarantor)
Please see bullet point below for Independent Life's NAIC Tier 1 ratings information
life Insurance		 N/R

N/R

N/R




N/R

N/R

N/R
 N/R

N/R


 N/R







Metropolitan Life Insurance Company (MLIC)
Home Office: New York, NY
MetLife Tower Resources Group, Inc. (MTRG)
Metropolitan Life Insurance Company (MLIC) (Guarantor, Assigned cases to MTRG)
Metropolitan Tower Life Insurance Company (MTLIC)
Home Office: Lincoln, NB
MetLife Assignment Company Inc., (MACI)
Metropolitan Tower Life Insurance Company (MTLIC) (Guarantor, Assigned cases to MACI) MetLifeLogo		 A+


A+
A+


A+		 XV


XV
XV


XV		 AA-


AA-
 Aa3


Aa3
Aa3


Aa3		 AA-


AA-
 $2,000,000



$50,000		 $750



$750		 Yes



No		 Yes



Yes
New York Life Insurance Company
Home Office: New York, NY
New York Life Insurance and Annuity Corporation
New York Life Insurance Company (Guarantor)
NewYork_logo		 A++

A++
A++		 XV

XII
XV		 AA+

AA+
AA+		 Aa1

Aa1
Aa1		 AAA

AAA
AAA		 $50,000 $750 No No
Pacific Life Insurance Company
 Home Office: Newport Beach, CA
PacificLife_logo
Pacific Life & Annuity Company (NY structured settlements/structured judgements)
 Home Office: Newport Beach, CA
Pacific Life & Annuity Services Inc.
Pacific LifeCorp (Guarantor)
A+

A+		 XV

XV		 AA-

AA-		 Aa3

Aa3		 AA-

AA-		 $10,000

$10,000		 $250

$250		 No

Yes		 Yes

Yes
The Prudential Insurance Company of America
Home Office: Newark, NJ
Prudential Assigned Settlement Services Corporation
The Prudential Insurance Company of America (Guarantor)
prudential_logo 		A+


A+
 XV


XV		 AA-


AA-
 A1


A1
 A+


A+
 $20,000 $750

 No Yes
United of Omaha Life Insurance Company
Home Office: Omaha, NE
Mutual of Omaha Structured Settlement Company
United of Omaha Life Insurance Company (Guarantor)
Omaha_logo		 A+


A+		 XV


XV		 A+


A+		 A1


A1		 N/R


N/R		 $10,000 $500 No Yes
United States Life Insurance Company in the City of New York
Home Office: New York, NY
American General Annuity Service Corporation (for Qualified Assignments)
AGL Assignment Company, LLC (for Non-Qualified Assignments)
AGC Life Insurance Company (Guarantor)
A



A		 XV



XV		 A+ A2 A+



A+		 $25,000 $0 Yes Yes
USAA Life Insurance Company
Home Office: San Antonio, TX
USAA Annuity Service Corporation
USAA Life Insurance Company (Guarantor)
USLife_logo		 A++



 XV



 AА Aа1 N/R



 $10,000 $0 No No
Footnotes
Structured settlements are a specialized line of business for life insurance companies. Structured settlement annuities and/or periodic payment reinsurance are only available through licensed insurance agents appointed with structured settlement authority by the underwriting life insurance company. An appointed agent of one of the above life insurance companies without structured settlement authority would have to go through an appointed agent or structured settlement broker with structured settlement authority. You can easily verify if an agent or broker is licensed in your state by referring to the online records posted on the websites of your state’s department of insurance, or department of financial services.
Beware that Structured Settlement Receivables {“factored structured settlement payment streams”) that are offered to retirees and other investors by secondary market and tertiary market salespeople, even including certain settlement planners, as “SMA”, “SMIA” and “structured settlement investments”, are not annuities. Such factored payments streams, properly defined as ” structured settllement receivables”, may not have statutory insolvency protections and have transactional risks not present with legitimate annuities. See the 2017 revisions to the Life & Health Guaranty Association Model Act (#520) which had been adopted by 40 states as of August 2023. The National Association of Insurance Commissioners (NAIC) does not recognize acquired structured settlement payment rights as annuities or insurance products. and may be offered by people who do not hold insurance licenses who may use the term annuity or annuities as an inducement, and/or make unauthorized use of insurer trademarked logos to mislead investors.
An A.M. Best Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance and contract obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. “Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. Important Notice: See Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.”
Financial ratings current as of the date this page was last updated. Please click on the column header for each financial rating agency to learn more about the rating process with the agency
If you are receiving, or scheduled to receive structured annuity payments from American International Life Assurance Company of New York, and your structure was put in place prior to 7/1/2009, the assignment company would have been either American Home Assurance Company, or National Union Fire Insurance Company of Pittsburgh, PA.
MetLife has two underwriting life insurance companies that issue structured settlement annuities, Metropolitan Life Insurance Company and Metropolitan Tower Life insurance Company (MTLIC). MLIC was the original structured settlement annuity underwriting company. MTLIC, then known as Metropolitan Insurance and Annuity Company (MIAC) was used as the qualified assignment company. Today MLIC, which was established in 1868, is available on larger cases, while MTLIC is available for the full range as well as non qualified assignments. MLIC and MTLIC use different assignment companies. LIC uses MetLife Tower Resources Group, Inc, while Metropolitan Tower Life uses MetLife Assignment Company, Inc.

Metropolitan Tower Life Insurance Company writes structured annuities to fund structured installment sales in all 50 states.

MetLife Assignment Company, Inc. offers TWO domestic non-qualified assignment alternatives.  The Metropolitan Tower Life annuity funded NQA requires payments must begin no later than 12 months out and payments must be substantially equal to qualify under IRC 72(u), The MetLife NQA-Flex option, introduced April 2026, uses a Funding Agreement and permits deferred periodic payments. 

Independent Life Insurance Company began underwriting structured settlement annuities in May 2018. Independent Life became the first life insurance company to focus exclusively on the structured settlement market. Independent Life also issues annuities to fund non-qualified structured settlements, including structured installment sales and non qualified structured settlements witha deferred start date longer thanj one year.. It is rated A by Egan Jones, which is an NAIC Tier 1 rating. See CRP Credit Rating Equivalent to SVO Designations Independent Life also holds a D+ rating by Weiss Ratings. Independent Life Insurance Company is not related to Independent Life & Accident, which was acquired by American General in 1997 ( a subsidiary of Corebridge Financial) . Independent L&A, did not write structured settlement annuities, in contrast to Independent Life insurana\ce Company, which does write structured settlement annuities, and has done so since 2018.

USAA Life Insurance Company is not admitted in New York and therefore cannot be used where there is no qualified assignment. In circumstances that do not require court approval, where the parties seek an A++ alternative and mutually agree, USAA Annuity Service Corp will take a qualified assignment from New York Defendants or Insurers of New York defendants.

Weiss Ratings American General B, American National C+, Independent Life D+, Metropolitan Life B, Metropolitan Tower Life C+, New York Life A-, Pacific Life Insurance Company A- Pacific Life & Annuty Company B+, The Prudential Insurance Company of America B, Puritan Life Insurance Company of America C, United of Omaha B, USAA Life B+ US Life B- as of July 2025. Weiss rates based on Capitalization, Investment Safety, Profitability, Liquidity and Stability.

This web site is not endorsed by, directly affiliated with, maintained, authorized, or sponsored by any insurance or other company referenced herein. All products, services and company names are the registered trademarks of their original owners. The use of any trade name or trademark is for identification and reference purposes only and does not imply any association, sponsorship or endorsement between the trademark holder and the operators of this web site.

What are Structured Settlement Annuities?

Last updated April 2, 2026

#structuredsettlementcompanies #structuredsettlementannuitycompanies #structuredannuitycompanies #structuredsettlementmarkets #structuredannuitysettlement #structuredannuitysettlements #structuredsettlementannuities #structuredsettlementannuityproviders #topstructuredsettlements #qualifiedassignmentcompanies #structuredsettlementannuity, #NYstructuredsettlementannuities #NYCstructuredsettlementannnuties

Structured Settlement Annuities Expert

Have a question about structured settlement annuities or structured settlement annuity companies, or need quotes for structured settlements? I’m here to help. Call John Darer at 888-325-8640 or send me a message and I’ll be in touch.

John Darer 4structures