WAYS TO USE STRUCTURED SETTLEMENTS
Creative Options and Effective Settlement Planning Solutions
WAYS TO USE STRUCTURED SETTLEMENTS 2025
Structured Settlements for Minors and Children
Structured settlements are commonly used in the settlement of claims where a minor suffered a personal physical injury or physical sickness or the wrongful death of a parent.
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
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.
Settlements for Seniors and Retirees
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®
Structured Settlement Annuity Funded SNT
Special Needs Trust
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.
Split Annuity Concept for Structured Settlements
The split annuity strategy provides dependable tax free income and principal preservation.
Life Insurance in Settlement Planning
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.
Structured Installment Sales
Structured Installment Sales
REAL ESTATE BUY/SELL
Property owners with low basis high value real estate have a means defer capital gains by way of an installment sale, thereby converting the property interest into a customized guaranteed income stream for themselves without having to rely on the creditworthiness of the buyer.
Why Structured Sales?
Because Certain Sells®
Structured Installment Sales
BUSINESS EXIT STRATEGY
Medical professionals and business owners with low basis high value shares in a practice or in a business have a means defer capital gains by way of an installment sale with a customized guaranteed income stream for themselves without having to rely on the creditworthiness of buyer.
Why Structured Sales?
Because Certain Sells®
Construction Defect Settlements
What is a Construction Defect?
Where a product defect or failure causes a construction defect and that defect causes personal injury or property damage, the product manufacturer will be liable in tort for the resulting harm.
Use of Structured Settlements in Construction Defect Settlements
Structured settlements have obvious potential where construction defects lead to a catastrophe and personal physical injury, physical sickness, or loss of life. In addition, structured settlements may be helpful to plaintiffs who wish to spread out basis, capital gains or income
An understanding of the nuances, the exercise of careful settlement planning and documentation, is essential when contemplating the use of
structured settlements in construction defect cases.
Last updated January 20, 2025
Terminal Funding
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.
Worker's Compensation Claims
Structured settlements are increasingly being used to resolve worker’s compensation claims.
Structured Settlements For Wrongful Conviction Settlements
Structured settlements may be beneficial to power the cash flow of 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®

Power Your Cash Flow with Structured Settlement Planning Solutions
Have a questions about structured settlement planning? We’re here to help. Send us a message and we’ll be in touch or call us at 888-325-8640.