Structured Settlements

Creative settlement design is our hallmark. We promptly provide cost-effective settlement proposals and annuity placement, always aggressively seeking the lowest cost, highest benefit annuities. When appropriate, we request medical age ratings based on impaired life expectancies to reduce annuity cost and increase benefits. As all parties expect, we work with the highest rated, most financially secure life insurers available. We also assist in the preparation of all documents utilized to finalize the settlement.

Our clients benefit from our ability to:

  • Tailor settlement proposals that respond to the needs of the injured party and his/her family within existing cost parameters.
  • Integrate innovative tools such as special needs trusts, which enable the injured party to remain eligible for government benefit programs such as Medicaid, notwithstanding the settlement. We can explore the suitability of reversionary medical trusts and other tools that may lend themselves to early claim resolution.
  • Attend and actively participate in settlement conferences, mediations and facilitations.
  • Draft preliminary settlement agreements that contain appropriate and necessary language in compliance with Internal Revenue Code and underwriting requirements.

In addition to supporting you with the resolution of traditional personal, physical injury cases, we can also assist you with unique, non-qualified settlements such as employment disputes, sexual harassment, discrimination and other claims that require specialized tax treatment.

Due to favorable case law (Richard A. Childs, et al. v. Commissioner) and life insurer underwriting guidelines, we are able to structure attorney fees, thereby deferring income tax obligations.

To request a structured settlement proposal or quote without any obligation, please contact us.

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Structured Settlements at a Glance

Life Insurance Companies:

Life Company AM Best S&P Moody’s Fitch
Berkshire Hathaway Life Insurance Company of Nebraska A++ XV AA+ N/R N/R
Assignee: BHG Structured Settlements, Inc. N/R N/R N/R N/R
Guarantor: Columbia Insurance Company A++ XV AA+ N/R N/R
Liberty Life Assurance Company of Boston A XII A N/R N/R
Assignee: Liberty Assignment Corporation N/R N/R N/R N/R
Assignee: BARCO Assignments, Ltd. N/R N/R N/R N/R
Guarantor: Liberty Life Assurance Company of Boston A X A N/R N/R
Metropolitan Tower Life Insurance Company A+ XV N/R Aa3 N/R
Assignee: MetLife Assignment Company, Inc. N/R N/R N/R N/R
Guarantor: Metropolitan Tower Life Insurance Company A+ XV N/R Aa3 N/R
New York Life Insurance Company A++ XV AA+ Aaa AAA
Assignee: New York Life Insurance and Annuity Corporation A++ XIII AA+ Aaa AAA
Guarantor: New York Life Insurance Company A++ XV AA+ Aaa AAA
Pacific Life Insurance Company A+ XV AA- A1 A+
Assignee: Pacific Life & Annuity Services, Inc. N/R N/R N/R N/R
Guarantor: Pacific LifeCorp N/R N/R N/R N/R
The Prudential Insurance Company of America A+ XV AA- A1 A+
Assignee: Prudential Assigned Settlement Services Corporation N/R N/R N/R N/R
Guarantor: The Prudential Insurance Company of America A+ XV AA- A1 A+
United of Omaha Life Insurance Company A+ XV AA- A1 N/R
Assignee: Mutual of Omaha Structured Settlement Company N/R N/R N/R N/R
Guarantor: United of Omaha Life Insurance Company A+ XV AA- A1 N/R