Post Settlement Annuities
Sometimes called “Buyers’ Remorse” annuities, this approach allows a plaintiff who initially did not structure his/her settlement to still obtain a lifetime of guaranteed annuity payments.
Treasury Funded Structured Settlements
As a Structured Settlement funding vehicle, treasury bonds gained popularity during the early 1990s because of their safety. Pursuant to Section 130(d) of the Internal Revenue Code, U.S. Government obligations and annuities are the only acceptable funding vehicles in structured settlements. As insurance regulators across the country have tightened their control over insurance industry practices to enhance the security of annuities, T-Bonds have declined in popularity as a source of funding structured settlements. Higher yielding and safe, annuities dominate the structured settlement industry.
SPIA - Single Premium Immediate Annuities
The SPIA provides a guaranteed income for life usually at higher yields than CDs, bonds and other traditional financial products.
This flexible annuity allows you to pace the use of your money to maximize the amount available to you and avoid living on a smaller income than necessary. An income schedule is tailored to meet your financial requirements. Payments can be fixed or have a pre-determined annual COLA, and can be designed to meet your present and future needs.
An SPIA provides:
Flexible, easy-to-manage income
Guaranteed income with no investment risk
Payments that can be set up for a guaranteed fixed period and/or life
Retirees with an income that will not run out later in life
Estate Planning Life Insurance
Working with estate planning attorneys and CPAs, we provide high net-worth individuals who want to protect their wealth and provide as much as possible for their heirs with sophisticated life insurance solutions.
I.R.C. Section 468(B) Qualified Settlement Funds (QSF)
I.R.C. 468(B) provides an excellent tool that allows plaintiffs in Mass Tort and multi-plaintiff cases to enter into Global Settlements, place the Gross Settlement amount into a QSF, and subsequently devise Structured Settlements (and cash settlements also) for the plaintiffs without defense participation. In such cases, plaintiffs will not be deemed to be in actual or constructive receipt of the settlement funds and, therefore, eligible to structure.