My dad always said don’t fix what isn’t broken. Well, the structured settlement industry is broken, but it’s not irreparable. Tort Victims like the families dealing with the deaths of loved ones at the MGM mass shooting and people like them, to the tune of over 1 Trillion in new money have the buying power, and choice, to make the structured settlement industry whole.
What’s the problem? The problem is that due to property and casualty companies incentives to structure claims payments, 1000’s of people every year end up with low paying structured payouts, or structured settlement annuities, and they more than likely have some buyers remorse. Combine that with the voracious appetite of Wall Street funded private equity(who actually value and appreciate the value of a discounted asset), and the “get your cash now” industry is born on the backs of people who didn’t choose to be disasbled, or certainly didn’t choose to have a loved one killed due to someone’s negligence. The problem with the industry is the lack of liquidity. If you think about the stock markets in general, the NYSE or any other, you can imagine that valuable assets change hands electronically in miliseconds. So if your grandparents gave you some Google stock, or some municipal bonds, if you needed to raise cash for an emergency, or even to start a business, there is a “MARKET” where these assets can be sold. This market is efficient, as it delivers immediate execution, and the price of the asset is driven by the market.
So how can tort victims, with a few hundred billions dollars of demand or purchasing power fix the structured settlement industry, they can be buyers of these structured contracts or structured settlement annuities that are be bought and sold every day. Why would they do that? Having spent the last 22 years working with tort victims on the plaintiff side of litigation, the one variable they need post litigation is steady income, and perhaps a safety net. Structured settlements provide both, but at 80 year lows, a yield of 1.65% doesn’t keep a family ahead of inflation, and thereby destroys the use of the annuity(brand new ones) as a viable planning tool. What yield could be expected of a secondary market annuity, or recycled structured settlement annuity? 4.5%-5% is a routine yield that buyers can experience by working with a professional firm that understands the marketplace. Why don’t plaintiffs in litigation consider these assets from former litigants as a source of guaranteed income? They are annuity policies that are issued by the very same insurance companies that all structured settlements are issued or created by? Metropolitan, Prudential and Berkshire Hathaway to name a few. These insurors must pay these annuities once they have issued them because they are created as a guaranteed fully paid up annuity policy.
Wallstreet and other life insurance companies think that these assets are very valuable, so much so that the handful of market makers in the “Secondary” market of structured settlement annuities securitizes a pool of assets, typically in batches of 50-100 million. Whats good for Institutional investors is also good for main street investors. The good that comes from this is that the value that people who are selling structured settlement annuities is driven up by demand, and because individual people don’t have a cost of capital, or employees or profit margins to worry about, they are very likely willing to pay more for an asset that can give them guaranteed income, versus a corporation who is looking to aggregate or pool as much of these assets to flip for a big profit.
In my opinion, it’s time for settlement planners, trust attorneys, judges and the disability community to think differently about the utilization of structured settlement annuities that have been retitled. 5891 of the Internal Revenue code has been federal law, and state structured settlement protection acts have existed since 2003 for a legal framework for retitling these structured settlement annuity assets, so when will the civil justice system recognize their inherent value for new tort victims, and in so doing, fix the problem.
98 comments
Appreciate your time on phone today David, great follow up read and look forward to restructuring my annuity settlement with your company. Very knowledgeable.
Greetings! Very helpful advice in this particular article! Thanks for sharing, when I am ready to sell settlement will let you know!
Good info, I just spoke with Ian about my structured payments and he said he will buy my structured settlement payments and give me a cash advance that I desperately needed. Thank you!!
I was extremely pleased to find this site. I need to thank you for ones time for this particularly wonderful read on structured annuity.
Thank you for the cash advance on my annuity settlement! Very transparent easy and simple process! Quick too! Thanks David!
Ian your knowledge of the structured settlement space is comforting. It was fast and made my structured settlement sale easy! Highly recommend you to anyone.
Great read! I had a good chat with David at your office and we’re moving forward, I think your one of the best structured settlement companies out there. Definitely recommend you!!
You could definitely see your expertise within the article about structured settlement. Look forward to future posts!
Excellent article. Keep writing such kind of information on your page on structured settlement.
Im really impressed by your blog. I had a bad experience with an AIG structured settlement and I will never use them again.
This is a good tip, what types of structured settlements are available from your company? I just sent you an email, look forward to reply.
Great article, can I sell my structured settlement to you? Are you a structured settlement broker? I sent an email, please reply when you can. Thanks
Thanks for the follow up Ian great read and you got my structured settlement funding done so fast!!! Appreciate you and highly recommend your team!
Thank you David for helping me sell my settlement payments, you were much better then Allstate structured settlement who I dealt with in the past.
Will you buy structured settlement or restructure my structured payments? Email sent, look forward to your reply!
I just emailed you about structured settlement sale. I like to sell my structured settlement payments. Look forward to your reply, great read!
great article, and thank you for cash advance on my structured settlement! Transparent, easy to understand and recommend Ian and his team to anyone looking to do a structured settlement sale.
An impressive share! I have just forwarded this onto
a co-worker who has been doing a little research
on structured settlement and annuity settlement.
Thanks Ian and David you guys were a pleasure to work with to sell settlement payments. A Plus in my gradebook! Will recommend.
Do you know of any annuity-based packages that deal with sell my structured settlement payments? I will email you now. Thanks
I have a structured settlement, can I sell structured settlement payments to you? I just sent an email to your company look forward to reply. Nice article by the way.
I’m amazed, I must say. Rarely do I come across a blog that’s both educative
and amusing, and without a doubt, you have hit the nail on the head.
The problem is something too few folks are speaking intelligently about structured settlement. If I run across anyone who wants to learn more about what is a structured settlement will send them your way!
Thanks David you made my structured settlement sale easy to understand, will definitely use you again to sell my settlement payments.
I absolutely love your blog and find the majority of your post’s to be precisely what I’m looking for on structured payments.
Thanks David you made my structured settlement funding simple, your one of the best structured settlement companies for sure! I had a much better experience with you than John Hancock structured settlement. They made it very difficult. Would recommend you to everyone!!!
Thanks Ian to help me sell settlement, you made the structured settlement sale clear and simple to understand. Great customer service!
Thanks David for helping my structured settlement loan get approved! I appreciate your transparency, the people at Prudential structured settlement were not so again I really appreciate you. I would recommend you to anyone looking to sell structured settlement.
Muchas gracias Vicente! You made my structured settlement sale fast and easy! Will recommend anyone looking to sell settlement.
Thanks Ian for helping me understand types of structured settlements. When I am ready to sell settlement and my structured payments will reach back out.
Great read, I have a structured settlement and ready to sell my structured settlement. I just sent you an email look forward to moving forward call me next week please!
Great site. Chic design. I found a lot of interesting things here about structured settlement loan.
You got me a great structured settlement payout! Thank you Ian and David. Will recommend you to anyone looking to sell structured settlement. Look forward to my structured settlement funding in May. Amazing and I appreciate the cash advance in April on my structured annuity I really needed that to get thru the month.
good read, looking to sell my structured settlement payments, great read will reach out when I am ready to sell my annuity settlement.
David pleasure working with you to sell my settlement payments. I think your one of the best structured settlement companies in the market. highly recommend!
Can you buy my structured settlement? I just sent you an email. Look forward to reply. Nice article by the way.
David made the process easy and simple to sell structured settlement. I would recommend anyone looking to sell structured annuity to give these guys a call, they know what they are doing when it comes structured payments.
Thanks Ian in my structured settlement sale. Customer service A+
Great read. I had a bad experience with New York life structured settlement. When I am ready to revise my structured settlement will contact you.
I have a structured settlement, can someone help me I just submitted on your contact form?
I have an annuity settlement, can someone reply to my email today? I like someone to buy my structured settlement.
I am looking for structured settlement loan, please contact me.
Do you buy structured settlements? I have a structured settlement I like to sell. I just submitted your contact form look forward to your reply.
can you help me with my annuity settlement? I like to sell my structured settlement. I sent my contact on your website form.
Thanks Ian, fast and reliable structured settlement sale. Highly recommend !
Excellent post. I was checking continuously this blog and I am impressed!
Very helpful info specially the last part 🙂 When I am ready to sell my structured settlement payments will give you a call.
I was looking for this particular info for a long time.
Thank you and best of luck.
Thanks David for my structured settlement payout. Just in time.
I have an annuity settlement and looking to sell structured settlement payments. Seems you know what your talking about in this article, can you please reply to my contact request from your web.
We are looking for a structured settlement from our lottery winnings so we finally purchase a house thanks for the article.
Thanks David to help me sell my settlement payments. Very simple and easy to understand the loan against structured settlement process your a good teacher!
Having read this I thought it was extremely informative piece on annuity and structured settlement.
Great article I just won a tort of 530,000 against a former employee and used MystrucuturedSettlement.net to handle my structured settlement to help pay off my daughters college tuition and high interest credit cards. It ended up saving me 18,000 in interest fees.
Ian was very helpful with my structured settlement payout. Very knowledgeable.
I have an annuity settlement, can I sell settlement payments? I sent you a contact request, please call me back.
looking for structured settlement quotes, please contact me back.
Very resourceful information about structured settlement annuity
Easy process thanks Ian for helping me get a structured settlement lump sum.
Thanks David and Ian on my structured settlement loan, you made it fast and easy! I would recommend and use you again for sure.
Between us speaking, I have been looking for a structured settlement for cash sites in southern California. Merak was one of the most helpful people in the industry, will for sure recommend to my friends.
Spot on with this write-up, I truly believe this website needs a lot more attention. I’ll probably be returning to read more, thanks
for the info on structured settlement!
In my opinion you guys know the structured annuity business. Great read
Great article, I have a structured settlement and was looking to sell my structured settlement but I wasn’t happy with MetLife structured settlements so I have been searching for someone else to handle, will reach out next week thank you!
Very good information on structured settlement. Lucky me I discovered your site by
chance (stumbleupon). I have book marked it for later!
This was one of the best structured settlement companies out there. They were transparent, the process was simple and I was able to revise my existing structured settlement to get me the cash I needed for my sons college tuition. Highly recommend these guys!!!
Great service, highly recommend you for structured settlements thanks!
Thanks David! Prompt reply and got my annuity settlement restructured fast!
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