Purchasing a share of a structured settlement investment can be a quite lucrative investment deal for the right individual. In a settlement annuity arrangement, the annuitant can either sell all or a portion of their settlement annuity in exchange for a lump sum of cash. The benefit for the structured settlement investor is the ability to receive high earnings and yields on the investment. The primary difficulty that most investors will face is coming up with the necessary cash to purchase the share upfront.
Purchasing a structured settlement has the advantage of buying an annuity without the additional costs of commissions, fees, and other standard annuity costs. The settlement annuity is offered by the same companies that offer traditional fixed annuity contracts, so their backing is reputable and quite indistinguishable from other annuities. The insurance companies are state regulated and monitored by different credit rating agencies. If you ever wonder about the financial viability of the coverage company, you need only look up their rating scores.
The structured settlement annuity can be purchased by individuals, retirement plans, trusts, foundations, corporations, and a number of other entities, allowing you to maintain the planning efforts you currently have in place.
Payments from the annuity are reassigned from the previous beneficiary to the new investor in the account. This must happen via court order, and be approved by a judge. Because most structured settlements are the result of a litigation lawsuit involving wrongful death or injury, the annuity seller must show that they have justification for selling the annuity. The judge must accept that the seller has an immediate financial cash need that the sale of all or a portion of the annuity would be advantageous to their circumstances. Once the exchange is accepted, the judge orders the annuity contract reassigned to the annuity buyer.
There is no secondary market for the resale of structured settlements. The annuity purchase should be prepared to hold the annuity for the duration of the applicable term. Many of these contracts are designed as a lifetime annuity, providing payments for the duration of the annuity owner's life. Be aware of the type of settlement that you are purchasing before committing to this structure long term.
It may not be the worst idea to consider the help of a structured settlement consultant if you are intending to purchase this types of investment. While this shouldn't be used as a measure of trust, if you can find a consultant carrying the Certified Structured Settlement Consultant (CSSC) designation, they may be better able to assist you in your transaction.
Contrary to the original structured settlement arrangement, the tax advantages of structured settlement investments are virtually non-existent. Where a typical settlement annuity provides the beneficiary tax-free income disbursements, the secondary market purchases of annuities are fully taxable under most circumstances.
The purchase of structured settlement investments is not much different from a typical annuity. The annuity seller has no control over the annuity, must require court approval, and should already be receiving payments from the annuity. As such, the risk from the seller's perspective is relatively low. Having annuities explained should cover most of the other risks associated with this type of investment.
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