Are Secondary Market Annuities Risky?
Unlike other investment strategies, structured settlement payments are secure & backed by highly-rated life insurance companies or state lottery commissions, offering you greatly reduced risk without sacrificing yield.
Best of all, structured settlement annuities are contractually promised, not projections, so the rate you lock in is the rate you keep, even through stormy economic seas.
Of course, diversification is the best strategy, and though uncertainty can create opportunity, purchasing structured settlement investments offer balance and will help your portfolio mitigate risk.
Weve built a level of trust and confidence among our clients that we believe is unrivaled by our competitors. Over 90% of our client base still consists from repeat business and existing client referrals.
Our secondary market annuities are handled by specially-licensed brokers who perform careful inspection of assets to ensure theyve been taken great care of.
Our investment philosophy is reduced risk. As founder Thomas Hamlin says, I only work with relative plans, meaning plans that most representatives would only sell to their relatives (and maybe not even then).
Our secondary market offerings are no different: Well-respected outside counsel reviews the factoring process independently of us, to assure all your investments are protected.
That said, secondary market annuities are not risk-free and investors should heavily research to ensure the health and viability of their investments.
What are the Risks?
- SMAs must be backed by a financially stable insurance company that issued the annuity. Its important the group is able to pay claims.
- The terms of the court that accompanies each transaction must be legal and viable.
- SMAs are not deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other federal government agency.
- SMAs are subject to interest rate risk. Market interest rates may rise while the rate of return on the secondary market annuity is locked in. One method of hedging interest rate risk is to build an annuity ladder by buying a series of secondary market annuities over an extended period of time.
- SMAs typically must be held to term and are not liquid purchases.
- SEC, FINRA Issue Investor Alert On Pension or Settlement Income Streams: Click Here To Read More
- Investor Bulletin: Pension or settlement Income streams: Click Here To Read More
Our Unrivaled Due Diligence Process
Safe as any other annuity, risk comes from transfer process, and we take great pride in our due diligence process to ensure your investments are protected and handled with great care.
Our brokers are specially licensed to handle this asset class. We do a physical inspection of the asset to ensure youll receive what you sign up for, and a title inspection to ensure your investments are pristine from day one.
To help perform these inspections fairly and thoroughly, we enlist the help of independent legal counsel, unaffiliated with either the seller or the insurer.
If youre familiar with the risks and are ready to invest, click here.
structured settlement annuities are One method of hedging interest rate risk is to build an annuity ladder by buying a series of secondary market
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