Structured Settlement Annuity Issuers | The Test of Time

John Darer • July 14, 2023

A.M. Best Rated "A" or Higher for 50 and 75 Years

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Structured settlement annuity issuers have stood the test of time, which is really important to know if you're depending on them to pay you stable income for a long time, or the rest of your life, and/or pay your beneficiaries. How the structured settelment annuity issuers stack up.

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Life Insurers Rated "A" (Excellent) or Higher for 75 Years


Current Structured Settlement Annuity Issuers

  • New York Life Insurance Company  (95 consecutive years)
  • The Prudential Insurance Company of America (95 consecutive years)
  • Metropolitan Life Insurance Company (96 consecutive years)


Former Structured Settlement Annuity Issuers


  • Canada Life Assurance Company  (78 consecutive years)
  • Protective Life  (services Lincoln LIfe Assurance Company of Boston-former Liberty Life Assurance Company of Boston
  • Massachusetts Mutual Life Insurance Company  (84 consecutive years)


Life Insurers Rated "A" (Excellent) or Higher for 50 Years


Current Structured Settlement Annuity Issuers

  • American General Life Insurance Company  (56 consecutive years)
  • Pacific Life Insurance Company  (64 consecutive years)
  • United States Life Insurance Company in the City of New York  (64 consecutive years)
  • United of Omaha Life Insurance Company  (68 consecutive years)


Structured Settlement Companies | Top Structured Settlement Companies 2025 (4structures.com)


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.
Prudential Income Advantage Indexed Structured Settlement Annuity
By John Darer June 2, 2025
John Darer reviews Prudential Income Advantage structured settlement annuity, which provides indexed structured settlement annuity option with the potential to grow personal injury settlement funds while offering protection from market declines. 2 IRS Private Letter Rulings!
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