Cut through the crap here! Structured settlement information and news, settlement planning issues/ ideas, alternative deferred payment solutions, muckraking commentary, exposes from The Structured Settlement Watchdog™ and expert opinion that may be helpful to attorneys, claimants, adjusters, judges, the news media and interested others, delivered with a dash of humor and occasional irreverence. Check back daily for something new, or simply ask structured settlement expert John Darer™ directly 888-325-8640
The post sale departments at structured annuity issuers need to pay more attention to settlement documentation before issuing policies.
I recently had a case that involved multiple annuity issuers and payments being made into a Settlement Preservation Trust. With all but one of the annuities the Settlement Preservation Trust was to be the secured payee pursuant to a Qualified Assignment Release and Pledge Agreement. With one of the annuities the payee was to be the Settlement Preservation Trust, but the annuity issuer did not offer a pledge agreement.
Four out of five companies issued annuities with the incorrect payees, despite it being listed in the Settlement Agreement and Release and the annuity, Qualified Assignment and annuity application.
Three out of five companies incorrectly listed the Trust beneficiary as the secured party as opposed to the party to whom payments are due to be made, despite language noting the correct secured party in the Settlement Agreement and Release and Qualified Assignment Release and Pledge that were executed by the annuity issuer's qualified assignment company!
There is an obvious need to review polices for errors prior to sending them to agents and there is an obvious need for agents to review the contracts before sending them out to their clients. The annuity contract must match up to the other documents.Here is a brief but not exhaustive list.
Check amount and terms of payments
Check that the Payee is correct
If there is a pledge agreement make sure that the secured party is the Payee.
If here is a guarantee agreement, make sure it runs to the Payee.
Errors such as those described are frustrating. The needless but easily avoidable delay is a waste of everyone's resources.
The time it takes to issue a structured settlement annuity contact has been in need for improvement for the entire time I have been in the structured settlement industry.
Inadequate "push" communication between the life insurance company and the structured settlement consultant. When I began my career with Northwestern Mutual in 1983 agents received daily and weekly status reports regarding pending cases. Despite the fact that technology is available, the best on offer ( if offered at all) is in 2012 is "pull" technology. This involves memorizing passwords and the need to sign into multiple places to obtain information. In the limited cases where there is "push" it is usually delivered infrequently and by fax.
A Texas appeals dissolved and reversed a temporary injunction against structured settlement purchasing company RSL Funding LLC that had prevented RSL from competing with Peachtree Settlement Funding over clients throughout the United States.
The injunction was originally issued in a dispute in which Peachtree Settlement Funding alleged that RSL gazumped it by offering Peachtree's customers more money than Peachtree was willing to offer for their structured settlement payments. RSL had allegedly obtained the client information via public records of court filings. RSL readily admitted to offering customers more money for their annuity payments than the now J.G. Wentworth affiliate Peachtree Settlement Funding was offering. “We plead guilty as charged!” commented RSL senior account executive Rudy Ramirez, in a February 7, 2012 press release.
Initially Peachtree convinced a Houston trial judge that RSL’s gazumping violated Texas law. At Peachtree’s request, the state court judge, granted a nationwide injunction against RSL, preventing it from offering a better deal to sellers of annuities. Texas legal commentators were not surprised when the Texas appellate court disagreed with the former trial judge and reversed the trial court in a recent opinion noting that Peachtree’s actions were “an unreasonable restraint on trade” (1) and anti-competitive. Peachtree and RSL are competitors in the secondary market for structured settlement payment rights. Each is in the business of buying future income streams from settlement recipients in exchange for a cash lump sum.
In what appears to be an important win for structured settlement annuitants who find themselves in need of liquidity down the road and cannot tap other sources, the Texas appellate court upheld the annuity recipient's right to shop around and continue seeking competitive offers, apparently allowing competitors figuratively, "to cut in during the middle of a dance" . And in the instant decision, the Texas appellate court upheld the right of RSL Funding (and other factoring companies for that matter) to make competitive offers to prospective sellers of structured settlements.
The structured settlement watchdog has written about opportunitistic low hanging fruit grabbing in the factoring industry when factoring companies come in with a high teens above market discount rates and serve to prey on sellers of structured settlement payment rights who do not shop around due to desperation or ignorance. That is fine under the lemonade stand metaphor for the free market system. Charge what they will the consumer buys the most expensive cup because it is the first, the most prominent, or he/she is too damn thirsty to walk any further to see if there is a better price. The other side of this story is that when it comes to the business of factoring in the State of Texas, "it really ain't over, until it's over"
Footnote: 1.The full text of the 14th Court of Appeals opinion can be found at www.leagle.com/xmlResult.aspx?page=11&xmldoc=In%20TXCO%20... . See also the full text of the opinion at Rapid Settlements, Ltd v. Settlement Funding, LLC, 2012 Tex. App. LEXIS 156 (Tex. App. Houston 14th Dist. Jan. 10, 2012).
I continue to be pleased to see more settlement purchasers cleaning up the industry image by educatiing the public instead of extolling the virtues of "cash now".One such example is Annuity Transfers Ltd's 4 part series educating the public on what is involved in Selling Structured Settlement Payments by its CEO, Robert Thompson.
Here is an excerpt from part 3 of the "selling structured settlement payments" education series.
"It is understood that a purchaser pays for something today, but must wait until some future date to receive payment. Unlike the purchase of a car or a house, this transaction is scrutinized by a third party, and is not approved in court unless it represents a real “win-win” situation. Purchasers cannot assume that courts will approve all structured settlement transactions, just as sellers should not assume that all offers to purchase payments are constrained by the legal process.
No one involved in the structured settlement transfer process should assume anything. Sellers use the requirement for court approval to their advantage, while accepting the reality that no sale is possible without a fair price. The market would not exist and will not exist in the future unless the purchaser is willing to take on some level of risk — but all risk comes at some cost.
One of our sources tells us that Annuity Transfers, Ltd tends to be one of the more competitive and ethical factoring companies out there. Nevertheless we caution sellers to not rely on the Court's approval as being the benchmark indication of the deal being a "win-win" for you and the buyer. The Court IS NOT duty bound to find you the best deal. The Court must only determine if the price is fair and that a proposed sale, or transfer, of structured settlement payment rights is in your best interest and the best interest of your dependents (f you have any)
Here's something for insurance regulators in Texas to chew on. The solicitation from Dallas based US Annuity Exchange ("usANNUITYex") states "As part of a well-balanced diversified portfolio, you need some safe fixed-income investment options. usANNUITYex can offer you annuities from highly rated life insurance companies, at a substantially higher yield then (sic) offered directly from those companies"
First let us consider the following facts:
Annuity insurance is only offered by life insurance companies Source: Wikpedia
One must possess an active insurance license in order to sell an insurance product.
A stream of payments that have been purchased via structured settlement transfer IS NOT an annuity. The purchaser of such rights does not own an annuity contract. Instead the individual or entity owns the rights to receive certain transferred payments from the annuity contract or contracts.
After conducting research into UsAnnuity Ex the structured settlement watchdog believes that usannuity ex deserves to be carved up further when he discovered this less than stellar copywriting in the usANNUITYex solicitation:
Get Safe Yiled (sic) for your clients' cash
Cash Now! (sic) for Structured Settelements (sic)
Financial Consulants (sic)
Finanacial (sic) Consultants
The adminstrative contact for this company is listed as Morti Tenenbaum accordng to Whois records for the domain usANNUITYex (dot)com. Way to make a sloppy first impression Mort!
The question was "I HAVE A STRUCTURED SETTLEMENT FROM AN ACCIDENT SETTLEMENT THAT SAYS "YEARS CERTAIN, AND LIFE". WHAT DOES THAT MEAN?"
Answer:
Years Certain means the number of years that the payments that are described as certain will be paid regardless of whether or not the payee survives the entire payment schedule.
In some cases the number of years certain is referred to as the number of years guaranteed although such usage may be misleading because when there is a years certain and life the payee is guaranteed to receive payments for the rest of his or her life.
Structured Annuities, Inc. apparently places greater importance on posting pictures of a 2007 event it organized to kill birds like these than keeping their website up to date. One can hardly contain oneself observing that. the company even claims a 2003 copyright on all its web pages, including the one about its 2007 Dove Hunt!
This is not a diatribe against the right to bear arms (and Lord knows these critters have roughed up my geraniums every Spring), but rather a valid question of the level of priority that Structured Annuties, Inc. places on attention to detail in an industry where attention to detail is essential.
EXHIBIT 1
Structured Annuities, Inc. still uses an outdated 11 year old comparison copied from a Hartford Life marketing piece comparing structured settlements to Certificates of Deposit (CDs) which now incorrectly states that the FDIC limit is $100,000. Hartford Life no longer writes structured settlements and the outdated comparison has not been authorized sales material for some time.. Be that as it may, as part of the solution to the financial crisis FDIC limits were temporarily increased to $250,000 in 2008. The increase was subsequently extended to December 31, 2013. It will revert to $100,000 on January 1, 2014 absent any changes in the interim. Click for FDIC fact sheet
Prospect for execution by Structured Annuities Inc."firing squad"? No blindfold?
EXHIBIT 2
With respect to the advantages of structured settlement to the claimant, Structured Annuities, Inc. simply demonstrates to the reader ignorance of the law by saying::
"Substantial tax savings. Annuity income payments from a
personal injury settlement are totally tax free. (H.R. 5470)"
Of course this is copyrighted to 2003!
Comments
1. The H.R. notation is simply a number assigned to a new piece of legislation when it is introduced. Being introduced does not mean it has become law. Click for details of how a bill becomes law and/or watch the video below "How a Bill Becomes Law"
2. Consider:
H.R. 5470 - To amend the Communications Act of 1934 to require the
carriage of all local television signals by satellite carriers in all local
markets.(introduced February 14, 2008)
H.R. 5740- To provide for the opposition of the United States to the provision of any resources or assistance by the International Monetary Fund to the Palestinian Authority until the Secretary of State certifies that Israel and the Palestinian Authority have signed an agreement on borders and security arrangements for Israel and a Palestinian state. (106th Congress, 2d Session)
H.R. 5470 Periodic Payment Settlement Taxes Act of 1982 "To amend the Internal Revenue Code of 1954 with respect to the tax treatment of periodic payments for damages received on account of personal injury of sickness" (97th Congress, 2d Session). Note that the Congressional record refers to a conference requested by the Senate. Eventually became Public Law 97-973 effective January 14, 1983.
3. Neither the 97th Congress version of H.R. 5470, nor IRC 104(a)(2) specify that "annuity income payments from a
personal injury settlement are totally tax free".The exclusion under the tax law refers to the tax treatment of the damages not the annuity payments. Structured settlements may be funded with structured annuities OR United States treasury obligations.
4. By 2003, the Internal Revenue Code of 1954 had been superseded by The Internal Revenue Code of 1986 for over 15 years!
How a Bill Becomes Law Video
EXHIBIT 3
Structured Annuities, Inc. states: "Under the current Internal Revenue Code Section 104(a)(2), it does not matter
for purposes of exclusion whether the payments compensate the person for past
and/or future lost income, medical needs, or pain and suffering. No payments
received for these elements of damages need be claimed as income. This is
currently true for personal injury tort cases involving personal physical
injury or physical sickness.
On the other hand the IRC 104(a) states explicitly:
"IRC104(a)In general
Except in the case of amounts attributable to (and not in
excess of) deductions allowed under section 213 (relating to
medical, etc., expenses)for any prior taxable year, gross income does not
include—
(1)amounts received under workmen’s compensation acts as compensation
for personal injuries or sickness";
EXHIBIT 4
SAI states that another advantage of structured settlements is "Protection from unscrupulous outsiders because annuities
cannot be pledged, assigned, encumbered or transferred to other parties".
The rights to structured settlements funded with annuities can in fact be transferred. To wit, what does Texas based Settlement Capital do? How about J.G. Wentworth? They've been doing that since before 2003, when Structured Annuities, Inc. dates its copyright and they're still doing it today.Of course the structured settlement protection acts in most states require Court approval prior to a transfer. See Texas Civil Practice and Remedies Code Chapter 141 a/k/a the Texas Structured Settlement Protection Act, effective September 1, 2001
EXHIBIT 5
One of the popcorn popping moments of apparent fantasy on the Structured Annuities, Inc. website is the web page where the link from its home pages is entitled "Representative Verdicts and Settlements". Is Structured Annuities, Inc. representing that THEY actually obtained these verdicts and settlements for plaintiffs, without assistance from their "Dove hunting companions" (e.g. attorneys)? Or, did they simply write a structured annuity as part of the settlement? If they actually wrote a $100MM annuity in an auto accident then take a bow! But if they're simply "doing a Johnny Bair", where the level of braggadocio means talking about "exposures" that have no relation to the size of annuity placed, I'm afraid it's rotten tomato time! One can only speculate because SAI offers no commentary, but one thing appears to be for sure is that nobody at SAI is a lawyer.
CONCLUSION: "Kill Zone" or "Calzone"?"
All is obviously not "lovey dovey" at Structured Annuities, Inc. Frankly it it were me I'd be seeking to update my website ASAP, and thereafter on a more regular basis.
The assumption from first impression is that some web surfers seeking "structured settlement" can draw is "if you want to kill cute little birds and drink beers with dudes from Fort Worth who don't care about attention to detail, call Structured Annuities, Inc. On the other hand if you want attention to detail and not into killing cute little birds then move on. It's simply Kill Zone vs Calzone!
On the one year anniversary of the 2008 "epicenter of bad news", positive news is coming from MetLife. William J. Wheeler CFO of MetLife, Inc. said that Met is gaining market share in every one of its lines of business, according to a Dow Jones report posted on the NASDAQ website. In the Barclay's Capital Investment conference Wheeler also said that there has been " a significant increase in structured settlement sales".
The primary underwriting company for MetLife structured settlements is Metropolitan Life Insurance Company, the country's largest life insurance company, which enjoys the following current financial ratings:
The 4structures.com listing includes current structured settlement annuity issuers as well asthose insurancecompanies no longer writingstructured settlement annuities. The list may be helpful to you if you already have a structured settlement, structured sale or structured attorney fee annuity and need some immediate help :
Change of Beneficiary for your structured settlement or structured sale annuity payments
Change of Address foryour structured settlement, structured sale or structured attorney fee payments
Change of Bank for the direct deposit or electronic funds transfer (EFT) of your structured settlement, structured sale or structured attorney fee payments.
Check the status on a payment that may have been lost in the mail.
Check to see when your next scheduled payment is due
The structured settlement broker or settlement planner who helped set up your structured settlement, or other qualified structured settlment brokers and settlement planners, may also be able to help with additional financial needs you wish to discuss.
Please note that if you have sold the rights to any of your structured settlement payments at anytime in the past and have entered into a "servicing agreement", or the payments are otherwise being "serviced" by the factoring company then you may need to contact that factoring company to get information. We have become aware of circumstances where the factoring company has only purchased a small portion of the structured settlement payment rights yet is found to be "servicing" all of the structured settlement payments. This may not be in the annuitant's best interest.
Think there is no Congressional support for annuities? Think again!
H.R. 2748 (The
Retirement Security Needs Lifetime Pay Act of 2009) was just introduced by
Congresspersons Earl Pomeroy (D-ND) and Ginny Brown-Waite (R-FL), both members
of the House Ways and Means Committee. The bill:
Encourages the use of annuities
in IRAs and qualified plans by excluding a portion of IRA and qualified plan
annuity proceeds from retirement income.
Contains an income
exclusion provisions to encourage retirees to receive some of their retirement
savings in the form of guaranteed lifetime annuity payments.
Incorporates a clarification of the
taxation of payments from partially annuitant deferred income annuity
contracts.
The question of how long does a structured settlement last is today's Structured Settlement FAQ. The answer is " a structured settlement lasts virtually as long as you want!" A structured settlement is fully customizable and there are many types of structured settlement payment streams available to match up to or suit an individual claimant's or family's financial needs. More than one type of payment stream can be combined in a single structured settlement. Different structured settlement plan designs can be set up for different family members in the same settlement. All payments under a structured settlement are income tax free. A non qualified assignment has similar properties to a structured settlement while taking advantage of tax deferral instead of the IRC 104(1) or IRC 104(a)(2) tax exemption.
Secure Structured Settlement Quote Form Click Here If You Are Currently a Party to a Personal Injury or Wrongful Death Law Suit or representing, or insuring one of the parties. This link is NOT intended for people who already have structured settlements.
About The Structured Settlement blog
STRUCTURED SETTLEMENTS 4REAL™ Blog IS A POPULAR SOURCE OF NEWS AND INFORMATION ABOUT STRUCTURED SETTLEMENTS, Settlement Planning, Deferred Income Planning Solutions and Litigation Recovery Management,
with a stable readership targeted to settlement professionals, financial professionals, lawyers, injured persons and their family members, guardians, survivors, judges, magistrates, special masters, mediators, administrators, trust companies, insurance companies, financial advisers, insurance regulators, government leaders, the media and other interested parties.
Established in 2005, currently ranked in the Avvo Top 30 (May 7, 2012) of legal subject matter blogs, with a Top 35 all time blawg ranking by Justia, this blog has been among the most prolific, providing fresh structured settlement, settlement planning and litigation recovery management content and commentary virtually every day! Structured Settlements 4Real™ is authored by an experienced structured settlement expert and Registered Settlement Planner, John Darer™, CLU ChFC CSSC RSP, President of Stamford, Connecticut based 4structures.com, LLC, (be aware that a lot of material found on the Internet purporting to be about structured settlements is written or "scraped" by those that aren't credentialed experts). WHAT YOU GET here is the straight stuff with a touch of irreverence and humor.
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Structured Settlements Guide
Structured Settlement Lock-Ins What Does a Structured Settlement Lock-In Mean? How do you benefit from a rate lock in? Where to be careful in using lock ins.
Structured Settlement Annuity Company Customer Service Phone Numbers HUGE time saver if you already have a structured settlement. Very useful list from 4structures.com, LLC, which includes both current AND former structured settlement annuity issuers. No need to be frustrated if you have simple bank or beneficiary changes
Structured Legal Fees for Tax Deferral A financial strategy that offers many benefits to lawyers and law firms. In 2011, there are now multiple product solutions. Plan NOW for year end 2012! Put structured attorney fee experts on your team.
Treasury Funded Structured Settlements A settlement option for the most conservative using the OTHER permissible qualified funding asset under IRC 130(d), United States Treasury Bonds in addition to, or instead of structured settlement annuities
Structured Settlement Annuity Companies List of Structured settlement annuity companies and financial ratings from AM Best, Moodys, Fitch, Standard & Poors and links
Rated Ages and Structured Settlements Impaired Risk Rated Ages for Structured Settlements and Annuities advantages all parties. Boost your structured settlement annuity benefit or your yield on lifetime payments.
How Do Structured Settlements Work? Structured Settlement Diagram The Structured Settlement Process explained in 3 bullet points. Includes a helpful structured settlement flow chart/diagram which shows how structured settlements fit in with other settlement planning solutions.
What is a Structured Settlement? A general explanation of structured settlements including the tax basis that give structured settlements their "juice".
Video Podcasts Featuring John Darer™ Click here to watch video from Legal Broadcast Network and Speaking of Settlements podcasts and other sources, featuring structured settlement expert John Darer™ .
New York Structured Settlements Over 50 pages of useful information and ideas about structured settlements, settlement planning and litigation recovery managements for New York residents, New York Lawyers and New York judges
New York General Obligations Law §5-1702 The New York Structured Settlement Protection Act imposes mandatory requirements on the defendant or the defendant's legal representative when a structured settlement is created (as part of the resolution of a case)
Structured Settlements v Structured Judgments Often confused by writers on the Internet, but there IS a difference between structured settlements and structured judgments under CPLR Articles 50A or 50B. Find out more...
"Amen - and continued thanks for your vigilance, John"- RL 8/18/2011
"Thanks for writing these great blogs on your site John! As an individual investor I have learned so much about the secondary market (for annuities, structured settlements, lottery payments, etc.) from your blogs and video series!!!" (6/5/2011)
I have found the intelligent and forthright information on your site a godsend. So much so I have tried in a small way to pass on my findings to others. Please keep up the good work and enhance your well deserved reputation as the authority on this subject- Mike 4/29/2011
John -
I can't thank you enough for bringing this to my attention. In my wildest dreams... PJ-May 12, 2011
John, I love reading your blog! Not only have I found very useful information there, but the comedy is much appreciated! Thanks for talking about "the big pink elephant in the living room" that everyone else ignores!
Thank you again for your help via phone and blog! I really needed to hear what you had to say today! BM 11/23/2010
John—this (video published 11/2010) is a well done piece. I like the way you always stick to the facts-AM
What a wonderful blog you have! I have completely enjoyed reading some of your posts (4/16/2010)
Thank you so very much for discussing my concerns about Symetra, my annuity company. I am amazed that PI attorneys as well as a settlement broker in San Diego, could not answer the simplest questions I had regarding the Safeco/Symetra issue. Your blog/web site is most interesting and informative, and I am grateful you have take on the "watchdog" role!
Thank you so much again (3/25/10)
"Awesome" 3/17/2010 Iowa reader
"Ever Feel Like You're Pissing Up A Rope?" 3/3/10
ThankYou for keeping integrity alive. CS 12/1/09
"Keep up the good work exposing abuses in our industry - our future depends on clients being properly advised."-CD
Just checked out your blog and loved it. Keep up the good and balanced work-DL
"...we have never met but I thoroughly enjoy your web site and blog - excellent material…-PB
"I enjoy your website and its content. Informative and well written"-JC
I heard a radio ad for the Peachtree Settlement Fund as I was driving into work this morning. (San Francisco Bay area.) I decided to check it out on the Internet and came upon your blog. Thank you very much. I do not have a “structured” settlement,
"All the others that I had emailed & have seen on the net were "cash now types" & have no concern of me & just are looking for my $$$. When I came across your site & blog I realized that u are an upstanding guy & are not like others. That's why I emailed"
This was Great. Right On Point-TS
"I love the chicken counter! So hilarious and makes a great point"-H
Always Thought Provoking John!-HS
"Other Than John Darer No One Seems To Be Doing Anything"-J
Thanks for your help and also for the good work you do on behalf of our industry-L
(Structured Settlement Transparency Initiative) A Worthy Fight! -BF
"Thanks for all that you do. This (Structured Settlement Transparency Initiative) is an extremely worthwhile project"-DS
"Thank you for being the inspiration that you are and for being a strong advocate for integrity in our business"-KL
"I Commend You On Your Effort To Make a Difference!" -R
"He is a fabulous writer who has a great passion for the structured settlement industry. I commend him on the passion he invokes when he writes on his blog listed above. That type of commitment and passion is hard to find and is rare in this world" -AC
"I love your weblog. Keep me on your e-mail list". JG
"Well done, John. That is an outstanding piece of work". (JL)
"Go get ‘em John! Good work". H
Structured Settlement Best Practices Corner
New York Insurance Advertising law requires the full name of the Insurer to be listed along with the city and state of the principal office. Stating that you represent these fine companies using Insurance company logos without the preceding information are also illegal
When it comes to settlement documents it is the ultimate responsibility of the lawyers or claims adjusters who receive input concerning the structured settlement aspects of the documents to actually read the entire document, exercise independent thought and advise their clients properly
Be aware that financial advisors use of testimonials is prohibited or restricted
Most states require that Testimonials represent the CURRENT opinion of the person who made the testimonial. Be prepared to back it up.
Number of States That Prohibit Payment of QSF expenses by licensed agents and brokers
Are Annuitants Getting Wasted on Cash Now "Financial Crack"? Is "cash now" the new crack? Sure seemed like it for a while with ubiquitous advertising that dangles "financial cat nip". Problem is they cannot DELIVER "cash now" for structured settlements arguably making it fraudulent advertising. Click here for a discussion and list of "cash now" pushers
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Comments and Trackback Policy
Structured Settlements 4Real filters comments and trackbacks to its posts BEFORE allowing them to be published
While spontaneous comments to this blog are welcome and add spice to the interactive nature of blogs, the unscrupulous practice by some to deliver comment spam, to connect all manner of unrelated products to structured settlements, is NOT tolerated by this author and thus necessitates this practice.
Jay J. Sangerman, PLLC A New York and Florida based AV rated estate planning law practice with an emphasis in Supplemental Needs Trusts, which assists attorneys in efficient case settlement though the use of Supplemental Needs Trusts and Special Needs Trusts; and Elder Law
Day Pitney LLP - People - Keith Bradoc Gallant Brad's practice includes traditional trust and estate planning and administration, special needs and disabilities planning, planning for same-sex couples and their families, planning for incapacity, and all types of probate litigation.
In or about February 29, 2012 a series of websites were registered anonymously off shore using the John Darer™ name for the purpose of defaming this blog's author John Darer™. The line between fair commentary and something that defies civility and dec
The Structured Settlement Transparency Initiative Responds to " Are There Any Questions I SHOULD be asking?". This information should be of interest to tort victims, plaintiff lawyers, judges who approve structured settlements
It Makes You Just Want To Hurl! If a person who calls himself a "settlement planner" is putting you into a structured settlement that you don't want or need while selling you on the ability to liquidate it through "cash now pushers" or "financial crack dealers", read this!
Halland Sickels Frei Mims Hall and Sickels is a full service personal injury attorneys and largest plaintiff's personal injury firms in Northern Virginia
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Why Take a Structured Settlement?
A structured settlement offers guaranteed financial security to accident victims and their families. A structured settlement involves a customized stream of payments, a structured settlement provides long-term stable tax-free income, for a period of years or a lifetime. Unlike other income annuities. a structured annuity can have multiple payment streams to address multiple needs in a single contract.
