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.

Category: What Is An Annuity Debate

What is an Annuity Debate is a very short debate about whether structured settlement receivables are annuities.

Structured structured settlement receivables are not annuities. Consider:

  1. Definition of annuity under state law
  2. The National Asssociation of Insuranceusrance Commissioners (NAIC) Statutory Issue paper No.160 (finalized April 6, 2019).
  3. Statutory protections for annuities in majority of US states expressly exclude acquired structured settlement payment rights, having adopted the 2017 Revisions to the Life &Health Guaranty Association Model Act

Some member of the structured settlement secondary market originate the structured settlement factoring deals, acquire the receivables (not the annuity, which is owned by a qualified assignment company) and then sell all or parts of them to investors