How It Works

Structured settlement and lottery annuities are sold by annuitants at a discount in exchange for a lump sum payment. In turn, we offer these annuities at a fixed rate of return to astute investors. The annuitant’s rights to receive payments are transferred to the investor, and payments are then made directly to the investor by a US-based insurance company with a credit rating that is generally rated AAA to A by major credit rating agencies (see list of insurance companies below).

There are three primary payment streams.

Structured Settlement – a Structured Settlement is an annuity awarded to a plaintiff from a personal injury settlement that is paid out to a plaintiff over a set period of time. The defendant often purchases an annuity through a highly rated insurance company based on the agreed-upon structured settlement.

Annuity – an annuity is a contract between an individual and an insurance company that is designed to meet both short and long-term investment goals. The individual makes a large lump-sum payment or a series of smaller payments to the insurance company. In return, the insurer agrees to make periodic payments to the individual.

Lottery Annuity – a lottery annuity is a pre-determined amount of regular payments received by a lottery winner usually paid on a monthly or annual basis over a period of several years. Some lottery games in the US offer lifetime annuities that are paid out as long as the winner is alive.

Typical examples of Structured Settlements for sale are $150,000 due in 2023 from “A+” Rated Insurance Company OR $1,000/month Starting on 4/01/2011 for 8 Years from “A” Rated Insurance Company.

Investors can have the peace of mind that their investment is safe when they purchase these various types of annuities due to the high credit rating of the obligor, usually highly rated, major insurance companies that “are fit to weather financial and economic crisis because of their solid balance sheets.” These companies are some of the highest rated insurance companies in the world, as rated by A.M. Best and Standard & Poor’s, and have an excellent track record of fulfilling their obligations.

These insurance companies include:
AEGON
AIG
Allstate
Canada Life
Colonial Penn
Connecticut General
Farmers Insurance
Genworth Financial
Hartford Life
Liberty Mutual
Mutual of Omaha
New York Life
Pacific Life
Prudential Insurance
State Farm
Transamerica Life
Travelers Insurance
USAA Life

 

 



 

Order Your                  
Investment Package Today!