Structured Settlements 4Real®Blog 2026
Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.
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Category: Metropolitan Life Structured Settlements
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MetLife, Inc. announced in January 2018 that it intends to merge two subsidiaries Metropolitan Tower Life Insurance Company and General American Life Insurance Company. The surviving brand will be Metropolitan Tower Life Insurance Company, which underwrites structured settlement annuities
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In 2026, several life insurance companies provide structured settlement annuities for personal injury and related claims in New York City and surrounding counties. Key issuers include Metropolitan Life, New York Life, and Prudential. Only three companies offer annuities for structured judgments under specific legal articles due to strict provisions.
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Metropolitan Tower Life Insurance Company became the primary underwriting company for MetLife structured settlement annuities. Metropolitan Tower Life was the successor-in-interest to Metropolitan Insurance and Annuity Company (“MIAC)”, the qualified assignment company used by MetLife structured settlements until December 1, 2004.
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This will not impact new structured settlements, which will still be issued via Metropolitan Life Insurance Company, an A+ XV life insurance company in existence since the mid 19th Century. Existing structured settlements where Metropolitan Life was the annuity issuer are not affected.
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MetLife’s Periodic Payment Agreement helps transfer financial obligations for personal physical injury cases that can’t be assigned under IRC Section 130. The annuity serves as a qualified funding asset, meeting the exception to the “non-natural person rule” outlined in IRC 72(u)(3)(C).
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The parents of several structured settlement annuity issuers are listed in the top 20 of the world’s largest insurance companies compiled by A.M. Best in its February 2015 issue of Best’s Review.
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Structured settlements aren’t sexy and never were, but consider that the 2% year over year structured settlement industry growth (as measured by annuity premium) was achieved despite lingering low interest rates. This is the second straight year of recovery.
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This change did not impact annuitants with Metropolitan Life Insurance Company. It involved the merger and renaming of several legacy insurers within the MetLife family, stemming from MetLife’s 2005 acquisition of Travelers Life and Annuity, as part of a corporate restructuring.
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Reinsurance structured settlements are an alternative means of transferring risk and funding future periodic payments by insurance companies. The ceding party must be an insurance company.
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The life insurance companies that issue structured settlement annuities or periodic payment reinsurance are perennially among the world’s largest and most admired corporations.