Structured Settlements 4Real®Blog 2026

by John Darer CLU ChFC MSSC CeFT RSP CLTC

A Structured Settlement Annuity is a boring financial creature

Unabashedly unapologetic for simply providing a sustainable “river of income”, or a river delta that provides multiple streams of income 

A 2024 AARP survey found that 20% of Americans aged 50 and older have no retirement savings at all, and 61% worry they will not have enough to last. The Census Bureau’s Survey of Income and Program Participation goes further: roughly 50% of women aged 55 to 66 have zero personal retirement savings, compared with 47% of men.   “financial peace of mind” to be a top priority.

Structured settlements make sense for those older than age 55, including plaintiff attorneys who wish to structure attorney fees.

Challenges in Living off a “Mountain of Cash” with Multiple Variables

The difficulty in living off a “mountain of cash” is to gauge multiple , sometimes unpredictable variables such as life expectancy,  investment risk and extraordinary and unpredictable expenses like the need for custodial care, particularly if long term care insurance has not been purchased and the  individual is uninsurable.

Structured settlements, structured attorney fees, structured installment sales are financial tools that can give payees, stable , secure, guaranteed cash flow. with tax advantages

Structured settlements and structured attorney fees can be funded via structured annuities, index based structured settlement annuities, or United States Treasury obligations.

Structured installment sales,  or structured installment  sales, which help convert real property or business into an income stream can be funded with United States Treasury obligations..

Like the idea of a Structured Solution, but want to plan for deferred income?

Where there is no personal physical injury

Those not seeking current income, in a matter without personal physical injury, physical sickness or wrongful death have an option through a non qualified assignment to MetLife Assignment Company, Inc. using Metropolitan Tower Life’s Funding Agreement.

Related Reading

Structured Settlements For Seniors and Settlement Planning for Older Age Plaintiffs

 Ol’ man river,
Dat ol’ man river
He mus’know sumpin’
But don’t say nuthin’,
He jes’keeps rollin’
He keeps on rollin’ along.

(Paul Robeson 1898-1976)

Funding Agreement Structured Settlement for Taxable Damages

NQA-Flex: Flexibility in Non-Qualified Assignments – Structured Settlements 4Real®Blog 2026

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