A structured settlement generally offers a greater return for minors than a blocked account, or government bonds, spendthrift protection and, in many cases a more meaningful short or long term solution than simply a lump sum of cash at majority, where it can be squandered before the child, minor ward or young adult is mature enough to understand the consequences.

Divorce structured settlements can provide assurances for the receiving spouse of child support obligations, alimony or stable income from periodic payments of equity distributions.  Structured settlement payments, which are often paid by direct deposit,  are "On Time Every Time", thus reducing the time and cost of new court proceedings to resolve issues that may arise. The receiving spouse can rely on the payments backed by the credit of a regulated insurer instead of a former spouse exposed to risks of employability  (continued good health, ability to perform,  economic cycles). There are also benefits to the paying spouse.

A structured settlement is worth consideration by any senior or "seasoned citizen", including a retired individual or one who is at or near retirement age. 

Why Structured Settlements? 

Because Certain Sells®

One of the many obstacles that may hinder settling a personal injury suit is the loss of entitlement benefits (SSI, Medicaid, etc. )following a settlement. A Special Needs Trust or Supplemental Needs Trust can help preserve those benefits.

The split annuity strategy provides dependable tax free income and principal preservation.

Life insurance may be an important element of a settlement plan when the settlement involves a minor child or incapacitated adult, particularly if parents or loved ones are the primary caregivers. Life insurance can be used to finance the cost of a replacement caregiver, or someone who will replace certain services that were provided for by the caregiver. This value of this use cannot be overemphasized.  For a more in depth examination of the uses for, and the forms and methods of paying for life insurance, click below.

Terminal Funding is a method to achieve balance sheet relief which permits a company or plan sponsor to transfer all or a portion of its financial obligations to a high quality insurance company.

Structured settlements are increasingly being used to resolve worker’s compensation claims.

Structured settlements may be beneficial to individuals who have been wrongfully imprisoned by providing a stable income foundation for themselves and their families as they transition from prison back to society. 

Why Structured Settlements? 

Because Certain Sells®