Structured Settlement Annuities

What is a Structured Settlement Annuity?

A Structured Settlement Annuity (SSA) provides tax-free, periodic payments over a period of time, specifically designed to meet an injured party's needs. Specialized consultants facilitate the settlement process, as well as help design and negotiate the structure.

Why choose a Structured Settlement?

Benefits for the injured party:

• Features customized design: Payments are specifically tailored to meet the injured party's particular financial needs over a defined period.
• Emphasizes stability: Payments are designed to help meet the claimant's current and future financial needs.
• Promotes security: Structured settlement provide the dependability of a highly rated financial institution.

Benefits for the defendant:

• Leads to faster settlements
• May reduce costs
• Avoids Jury trials
• May allow for tax deduction (self-insured)

Pacific Life is a member of the National Structured Settlement Trade Association

This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and guarantees, including annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options.

source :  http://ip.rsd.pacificlife.com/ssc/home/structured_settlementannuities.html


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What's A "Structured Settlement"?

Your only exposure to the term “structured settlement” may be late night TV ads hawking immediate access to your money.  “It’s your money,” they’ll exhort.  “Cash in your structured settlement and use your money now!”  If you are (or were) a successful plaintiff in a lawsuit, your contact with structures may be more personal.  You may have received one, be evaluating one now, or have considered one but opted for cash.
But what should you know?  Even if you already have one, you may not know how they operate and why they’re set up in the arcane fashion they are.  Like so much else in the world, structured settlements are mostly about taxes.

Cash vs. Periodic Payments. If you’re injured in a car accident and receive a $300,000 settlement from the other driver or insurer, it’s tax free.  See 10 Things To Know About Taxes On Damages.  When you invest the $300,000, your investment earnings are taxable.  If you receive a structured settlement instead of the $300,000 cash, you’ll get payments over a term of years or your lifetime (however you choose), and each payment is fully tax free.  Thus, a structure converts your after-tax earnings into a tax free return. 

 
Structured settlement brokers (a special type of insurance agent) consult as a case approaches settlement.  For more about brokers, see National Structured Settlements Trade Association.  Brokers are paid standardized commissions by the life insurance company that issues the annuity.  Brokers can run many financial projections based on a term of years, payments over your life, over your joint life with your spouse, etc.  You can even call for no payments for say 10 or 15 years, with payments starting thereafter as a way to fund your retirement. 
Thus, structured settlements are very flexible.  Provided that you consider these issues before signing a settlement agreement in your case, you can structure as much or as little as you want and take the rest in cash.  With all of this, though, they have to be set up properly. 


source: http://www.forbes.com/sites/robertwood/2010/10/26/whats-a-structured-settlement/#fed135233bdb

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Many civil cases, particularly accident and personal injury lawsuits, never make it to trial because the parties reach a settlement agreement earlier in the litigation process. Generally, a settlement requires the plaintiff (person brining the lawsuit) to discontinue any further legal action in exchange for receiving a money payment from the defendant or the defendant’s insurance company. Settlement payments are usually lump-sum (all at once) or structured (regular payments over a period of time). - See more at: http://injury.findlaw.com/accident-injury-law/structured-settlements-pro-s-and-cons.html#sthash.PZvNwVKU.dpuf

Sell Your Structured Settlement Payments

In life, the only thing you can really count on is change. Your life today isn’t the same as it was even a year ago, so why are the payments you get from your structured settlement still the same as they were years ago? At J.G. Wentworth, we think you should have the option to use your money whenever you need it.
No one understands your financial situation better than you do, but here’s just a few reasons some previous customers wanted to sell their structured settlement payments:

• Paying off college loans or other debt 
• Medical expenses 
• A down payment on their dream home 
• Money to start their own business

 J.G. Wentworth is here to give you a way to get access to your money early by offering to buy some or all of your future settlement payments.

J.G. Wentworth Is The Industry Leader In Purchasing Structured Settlements

 

More than 25 years ago, J.G. Wentworth helped our first customer get a lump sum for their future payments. Since then, we’ve helped our customers sell more than $2.9 billion of their payments, making us the largest buyer of structured settlements in the United States.
J.G. Wentworth’s extensive experience in purchasing structured settlement payments means that we can get you your money as soon as possible. We’re committed to offering industry-leading customer service, which is why we’re proud of our A+ rating from the Better Business Bureau.

How To Get Cash For Your Structured Settlement Payments

 Before deciding if selling some or all of your future settlement payments is the right decision for you, it’s important that you get all the information you need so that you can make an informed choice. J.G. Wentworth is here to help answer your questions. Here’s a brief overview of the steps involved in selling your structured settlement payments:

Contact a J.G. Wentworth Representative

After you fill out the online form or call our toll-free number, we’ll put you in contact with an experienced J.G. Wentworth representative. They’ll ask you about your structured settlement and your need for a lump sum. This lets them understand your unique situation and design an offer that meets your needs.
Once your representative understands your settlement and how much money you need from it, they’ll offer you a few options for how we can help you get that cash. We’ll give you everything you want to know about each deal so that you can review them and choose the option that makes the most sense for you.

We Take Care of the Paperwork for You 

 Selling your structured settlement payments usually requires a lot of legal paperwork. Your J.G. Wentworth representative will let you know all of the information we need and then they move the matter forward. If they need something you don’t have, they’ll even walk you through the process for how to obtain it.

source : .jgwentworth


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