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: Rated Ages in Structured Settlements
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Rated age requests flooding structured annuity underwriting departments without legitimate intent for business to follow (on the rated age lives) is a blood gorged clot, impacting the structured settlement service artery and affecting everyone’s ability to service business in the structured settlement industry
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In April 2009 Liberty Life Assurance Company of Boston introduced its Concierge Underwriting Program. This new program allows for underwriting on any case that you submit for a rated age, regardless of carrier. To qualify for Concierge Underwriting, a broker must place $500,000 in non-Liberty Mutual Group premium with Liberty Lifeper quarter, and Liberty Life Assurance…
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Structured attorney fees, properly designed, can save and defer taxes for the attorney or law firm. The savings can be significant due to deferring the taxation on the principal and on the accrued but unpaid interest. Neither the principal nor the interest earned on the principal are taxed as ordinary income until the year payments…
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Rated ages will vary based on the opinion of each annuity issuer’s medical underwriter after a review of medical records. Records related to the claims in the law suit as well as other unrelated factors may be considered. A rated age may or may not make a difference in the pricing of a structured settlement.
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The OGC’s conclusion is “The plain language of 11 NYCRR § 420.17(b) permits a licensee to share non-public personal health information for the performance of certain insurance functions “by or on behalf of the licensee” (emphasis supplied). The scope of that exception is limited to the same insurer
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A rated age is an important component of a structured settlement pricing when there are life contingent payments
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Allstate Life discontinued medical underwriting for both qualified and non-qualified structured settlement business as of March 31, 2009. Allstate’s decision to no longer issue rated ages is acost cutting measure, said to be due to high underwriting volumes and low placement rates.
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Annuity Issuers Addressing Longevity Risk as Research Concludes People Are Living Longer. If insurers guess wrong on insureds or a lot of people or advances in medicine mean significant blocks are going to exceed expectations then there is a bigger drag on surplus. How they manage that is important.
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The use of structured settlement daily rate pricing may be just the thing that bridges the gap between in negotiations over a hotly disputed item of damages. In another application it may be used to enhance the value of a policy limits offer where the defendant has limited coverage and no assets.
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Rated age refers to an alternate age, determined by the insurer’s underwriter that can be used to price a structured settlement annuity payable for life, instead of the actual age. A rated age serves to reduce the cost of a lifetime payout,or buy more yield on a life contingent annuity for a fixed cost