MassMutual Structured Settlements Feed

December 25, 2010

MassMutual Structured Settlement Annuities: Yahoo Finance, Hoovers, Aomid All Get It Wrong

by Structured Settlement Watchdog

If only it were true that MassMutual issued structured settlement annuities today. The industry would have another solid A.M. Best rated A+ rated company. Unfortunately the would be Christmas Eve present is a lump of coal delivered by Aomid News' Pam Erickson.

Aomid says it "endeavors to bring you the best news as it develops. The staff consists of able writers who are all experts in their fields....Aomid started as a quest to inform our readers of developing news".  (all underlines added by us for emphasis)

An article posted December 24, 2010 includes the following:

Massachusetts Mutual Life Insurance, sometimes known as MassMutual Financial Group, but usually called by its nickname, MassMutual, provides financial services including life insurance, annuities, money management, and retirement planning. Founded in 1851, MassMutual’s US and global clients include individuals and businesses. The company also offers disability income insurance, long-term care insurance, structured settlement annuities, and trust services.
The same misinformation is published on the website of indiacatalog.com, Yahoo Finance, Hoovers

As this official MassMutual website shows MassMutual has not offered structured settlements for almost 4 years (since January 2007). The company only services structured settlements that it write prior to January 2007.

A similar statement to the Aomid statement about Mass Mutual appears in all current releases on the MassMutual website states and does NOT mention structured settlement annuities:

About MassMutual
Founded in 1851, MassMutual is a leading mutual life insurance company that is run for the benefit of its members and participating policyholders. The company has a long history of financial strength and strong performance, and although dividends are not guaranteed, MassMutual has paid dividends to eligible participating policyholders every year since the 1860s. With whole life insurance as its foundation, MassMutual provides products to help meet the financial needs of clients, such as life insurance, disability insurance, long term acre insurance, retirement/401(k) plan services and annuities. In addition, the company’s strong and growing network of financial professionals helps clients make good financial decisions for the long-term.

Aomid News also freely uses the MassMutual trademarked logo though the cynic in me believes that it has neither sought nor received permission to use it.

It is not a coincidence that the AOMID News misinformation is accompanied by no fewer than 10 Google adsense placements.

Structured Settlement Watch Dog Pet Project is Financial Literacy
The structured settlement watchdog's ah... "pet cause" (bad-ump-bum) is increasing the level of financial literacy on the subject of structured settlements and financial literacy generally.

 

 

 

 

 

Posted at 05:39 PM in MassMutual Structured Settlements, Misinformation About Structured Settlements | | Comments (0)

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July 13, 2010

AM Best Report Shows Structured Annuities Issued By Largest Insurers With Long Track Record of Financial Stability

by John Darer® CLU ChFC MSSC RSP CLTC

How stable are the life insurance companies that write structured settlement annuities? 

Top 100 US Life/Health Underwriters (currently or formerly writing structured settlements, ranked by admitted assets

Source: Best's Review July 2009, from insurer annual statements)

1. Metropolitan Life and affiliated companies  $436, 091,585

2. Prudential of America Group  $367,245,599

3. AIG Life Group  $312,735,278

4. Hartford Life Insurance Group $219,495,475

5. Manulife Financial (includes John Hancock) $217,242,055

7. New York Life Group $201,809,229

8  AEGON USA Group  $179,836,971

9. ING USA Life Group $178,478,036

13.MassMutual Finl Group $132,968,358

15. Pacific Life Group  $97,906,637

21. Allstate Financial $74,067,855

22. Genworth Finl Group $63,152,639

27. Aviva USA Group $43,367,009

36. AETNA Inc. $24,263,282

40. Symetra Life Group  $21,281,572

50.  USAA Life Group 15,174,746

59. Liberty Life Assurance Comapny of Boston $12,983,175

86. Presidential Life 3,613,990

91. Continental Assurance Company $3,208,225

Life/Health Insurers Rated A.M. Best  "A" or Better for 50 Years, or better** ( and current rating, number of years A or better)

Source: Best's Review July 2009

Aviva Life and Annuity Company, A,  81 years

Canada Life Assurance Company A+, 61 years

Hartford Life Insuarnce Company A, 60 years

Massachusetts Mutual Life Insurance Company  A++ 61 years

Metropolitan Life Insurance Company  A+ 82 years

New York Life Insurance Company, A++, 82 years

United of Omaha Life Insurance Company A+  54 years

Best's includes a disclaimer with its ratings which states that its Financial Strength Rating is an independent opinion of an insurer's financial strength and ongoing insurance policy based on a comprehensive quantitative and qualitative evaluation of a company's balance sheet strength, operating performance and business profile.

**While not noted by A.M. Best in the July 2009 report,  Symetra Life Insurance Company came about when SAFECO spun off Safeco Life Insurance Company and the company was renamed Symetra Life Insurance Company.  It should be noted by readers that during both the time period that the company was called SAFECO Life Insurance Company and the time after the spin off (when it was renamed Symetra Life Insurance Company),  the company has enjoyed at least an "A" rating from AM Best. The time periods span over 50 years.

Posted at 12:32 PM in AEGON Structured Settlements, Allstate Life Insurance Company, Allstate Structured Settlements and Structured Payment Solutions, American General Structured Settlements, Hartford CT Structured Settlements, Hartford Life Insurance Company, Insurance Company News, Insurance Company Ratings Structured Settlements, John Hancock Life Insurance/ John Hancock Life Insurance Co of NY, John Hancock Structured Settlements, Massachusetts Mutual Life, MassMutual Structured Settlements, MetLife Structured Settlements, Metropolitan Life Insurance Company, Metropolitan Life Structured Settlements, New Haven CT Structured Settlements, New York City Structured Settlements, New York Life Insurance Co. Structured Settlements, New York Structured Settlements, Newark NJ Structured Settlements, Pacific Life and Annuity Company, Pacific Life Structured Settlements, Prudential Insurance Company of America, Prudential Structured Settlements, Structured Settlement Annuity, Structured Settlement History, Structured Settlement Industry News, Structured Settlements | | Comments (0)

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June 15, 2010

Weiss Ratings: Strongest Structured Settlement Annuity Issuers

by John Darer CLU ChFC CSSC RSP

On June 10, 2010 Weiss Ratings updated its list of the strongest and weakest life insurance companies and annuity issuers. The following current and former structured annuity issuers made the list of the strongest annuity issuers. The Weiss rating for each company is shown.

  • Allstate Life Insurance Company B+
  • Amica Life Insurance Company A-
  • John Hancock Life Insurance Company of New York A-
  • Massachusetts Mutual Life Insurance Company A  (former structured annuity issuer)
  • Pacific Life and Annuity Company A-
  • New York Life Insurance Company A-
  • New York Life Insurance and Annuity Corporation A-
  • USAA Life Insurance Company A
    In case you are not familiar with Weiss Ratings,  please note that "A+" is its highest rating

Also worth noting, there are no structured settlement annuity issuers on the Weiss weakest insurer list.

Weiss Ratings is the only one of the major rating agencies that is not paid by the company it rates to give a rating. Some say this removes a conflict of interest.

Posted at 11:10 AM in Allstate Life Insurance Company, Financial Ratings Agencies, John Hancock Life Insurance Company of New York, John Hancock Structured Settlements, Massachusetts Mutual Life, MassMutual Structured Settlements, New York City Structured Settlements, New York Life Insurance Co. Structured Settlements, News About Structured Settlements, Pacific Life and Annuity Company, Pacific Life Structured Settlements, Structured Annuity Company Ratings, Structured Annuity Issuer, Structured Settlement Industry News, Structured Settlements New York, USAA Life Insurance Company, USAA Structured Settlements, Virginia Structured Settlements, Weiss Ratings | | Comments (2)

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April 06, 2010

Mass Mutual Fitch Ratings Action

by John Darer CLU ChFC CSSC RSP

Fitch Ratings service has assigned an AA+ (Very Strong) financial strength rating to Massachusetts Mutual Life Insurance Company from AAA (Exceptionally Strong) in its most recent review. MassMutual formerly issued structured settlement annuities.

"MassMutual" is still one of the highest rated life insurance companies

Current ratings for Massachusetts Mutual Life Insurance Company

  • A.M. Best Company:     A++ (Superior) - top category of 15
  • Fitch Ratings:  AA+ (Very Strong) - 2nd category of 21
  • Moody's Investors Service:  Aa2 (Excellent) - 3rd category of 21
  • Standard & Poor's:  AA+ (Very Strong) - 2nd category of 21

For 2009, the company reported a significant increase in operating earnings ($1.8 billion, up 37 percent), total adjusted capital ($11 billion, up 15 percent) and surplus ($9.3 billion, up 9 percent).  We also reported record weighted sales* of our core product, whole life insurance ($203 million, up 8 percent) as well as record sales in our retirement services business ($4.8 billion, up 24 percent).   

List of current structured settlement annuity companies and their ratings.

If you need service on your existing structured settlement, here is  list of customer service phone numbers.

Please note if you have previously sold a portion of your structured settlement payment rights that your payments may be serviced by a factoring company NOT the annuity issuer. In such case you may have to contact the servicing company.

 

Posted at 12:28 PM in CT Structured Settlements, Dallas Fort Worth TX Structured Settlements, Detroit Michigan Structured Settlements, Financial Ratings Agencies, Hartford CT Structured Settlements, Los Angeles CA Structured Settlements, Massachusetts Mutual Life, MassMutual Structured Settlements, New Haven CT Structured Settlements, New Jersey Structured Settlements, New York Personal Injury, Structured Annuity Company Ratings, Structured Annuity Issuer | | Comments (0)

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November 13, 2008

MassMutual "No Need For TARP" Program

by John Darer CLU ChFC CSSC RSP

Massachusetts Mutual Life Insurance Company ("MassMutual"), a former structured settlement annuity issuer, headquartered in Springfield, Massachusetts, announced November 7, 2008 it has no intention of participating in the US Treasury's TARP program.

"MassMutual is well positioned, and has the financial strength and capital necessary to meet the needs of our policyholders and customers despite the current economic environment. For more than 155 years, MassMutual has maintained long-term focus, providing the strength and stability our policyholders expect. Our company is built on a reputation of financial strength, diversification and quality. Moreover, our mutual company structure enables us to manage with the long-term interests of our policyholders and customers in mind. Thus, we have not participated in any discussions directly with the Treasury, and we have no intention of participating in the Troubled Asset Relief Proposal (TARP) Capital Purchase Program".

What was TARP?

U.S. to Offer Aid to Life Insurers - WSJ

About TARP | U.S. Department of the Treasury

 

Posted at 02:36 PM in Albany New York Structured Settlements, Bronx New York Structured Settlements, Brooklyn New York Structured Settlements, Broward County Structured Settlements, Buffalo New York Structured Settlements, Chevy Chase Structured Settlements, Chicago Illinois Structured Settlements, Conshohocken Structured Settlements, CT Structured Settlements, Dallas Fort Worth TX Structured Settlements, Danbury Structured Settlements, Denver Structured Settlements, Detroit Michigan Structured Settlements, Florida Structured Settlements, Hartford CT Structured Settlements, MassMutual Structured Settlements, New London Structured Settlements, New Orleans Louisiana Structured Settlements, New York Structured Settlements, Newark NJ Structured Settlements, Newburgh Structured Settlements, News About Structured Settlements, NH structured settlements, NJ Structured Settlements, North Carolina Structured Settlements, Norwalk Structured Settlements, NYC Structured Settlements, Structured Settlement History, Structured Settlement History | TARP, Virginia Structured Settlements, Washington Structured Settlements, West Virginia Structured Settlements, White Plains Structured Settlements, Wisconsin Structured Settlements, WV Structured Settlements | | Comments (0)

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Guide to Structured Settlements 2024

  • What is a Structured Settlement? What You Need to Know
    Structured settlements and what you need to know about them including a helpful introductory video featuring A.M. Best Client Recommended Structured Settlement Expert and Registered Settlement Planner John Darer of 4structures.com LLC
  • How Do Structured Settlements Work? How Structured Settlements Work
    How structured settlements work, including 4structures.com LLC's super helpful structured settlement flow chart/diagram showing how structured settlements fit in on the spectrum of settlement planning solutions.
  • Rated Ages and Structured Settlement Cost
    Rated Ages for Structured Settlement Annuities present advantages to all parties. Shift the mortality risk to a life insurance company whose business it it is to assess mortality risk to price its life insurance and annuities. Rated ages boost your structured settlement annuity benefit per premium dollar, or your yield on lifetime payments. Rated ages help to reduce the cost of funding a Medicare Set Aside arrangement where a Structured MSA, is being used { WCMSA LMSA or NFMSA].
  • Top Structured Settlement Annuity Companies 2024
    Which life insurance companies issue structured settlement annuities in 2024? A list of current structured annuity issuers, the location of their home offices and their financial ratings from A.M. Best, Moodys, Fitch, Standard & Poors and/or other Tier1 NAIC ratings, with links to their websites and other useful information. Last updated June 14, 2024
  • Treasury Funded Structured Settlements
    Treasury Funded Structured Settlements are 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. Treasury Funded Structured Settlements can also be used to fund installment sales, also known as structured sales and other non qualified structured settlements.
  • Compare Structured Settlement IRR to Other Settlement Alternatives
    Use the Taxable Equivalent Yield chart to help compare the Internal Rate of Return (IRR) of a structured settlement to other alternative or complementary investments. Need help with the chart? Call 4structures.com® LLC at 888-325-8640
  • Structured Settlement Payments | Types of Structured Settlements 2024
    Ways You Can Structure Your Settlement Payments in 2024. With a structured settlement you can have more than one type of payment in a single contract. Different types of structured settlement payments can be customized and combined to meet your needs on a stand-alone basis, or in conjunction with other financial products. Diversify your structured settlement, if you wish, by funding with more than one annuity issuer, with treasury funded structured settlements, index linked structured settlement payments and market based structured .
  • Structured Attorney Fees for Tax Deferral for Attorney Contingency Fees
    Structured attorney fees is a financial strategy that offers a unique way to defer taxes for lawyers and law firms. Lawyers CAN structure their legal fees even if the plaintiff doesn't structure their settlement. There are multiple ways to structure your attorney fees, such as capped or uncapped index linked structured settlement annuities where payments are adjusted based on upside changes in the S&P 500 or another index, Trial Lawyers may also use a special deferred pay/deferred compensation arrangement, if market based returns returns are desired with no cap. Plan NOW for year end! Put structured attorney fee expert John Darer® on your settlement planning team in 2024.
  • Structured Settlement Annuity Company Customer Service Phone Numbers
    Receiving structured settlement payments from your own structured settlement or inherited structured settlement? You'll like this huge time saver. Click the title for a link to a comprehensive list of customer service telephone numbers that includes both current AND former structured settlement annuity issuers and reinsurers. If you have simple bank or beneficiary changes, or if the insurance company that issued the structured annuity has merged, sold or spun off its block of structured annuity business (e.g. Aviva, Allstate, Transamerica, AEGON, GE Capital, Liberty, CNA, Confederation Life), oran annuity issuer has changed its name and you're trying to track them down. Here you go! The list is regularly updated. Last updated May 20, 2024.
  • Structured Settlement Quote Lock-Ins | What You Need To Know
    What does a Structured Settlement Lock-In Mean? How do plaintiffs, defendants and insurers benefit from a structured settlement quote lock in when finalizing a settlement? How does the defendant/insurer/court benefit from using a structured settlement lock-in? Where to be careful when using structured settlement lock ins.
  • What Are Structured Settlement Annuities?
    Structured settlement annuities are annuities that can provide one or more customized annuity payment streams in a single contract. Read about structured settlement annuities here.
  • History of Structured Settlements
    Tracing the roots of structured settlements history from 1918, when Congress exempted damages for personal injury or sickness from income tax, to the establishment of structured settlements as a core personal injury settlement planning tool to the present day.
  • What Are Market Based Structured Settlements?
    Market based structured settlements are an alternative or supplementary structured settlement solution for the plaintiff, attorney or law firm that: 1. Can afford to take some market risk 2. Have discretionary settlement dollars. Claimants and attorneys alike may find that market-based structured settlements provide the opportunity to receive tax-free income, or tax-deferred income, while enjoying growth potential.
  • iStructure |Uncapped Fixed Index Structured Settlement Annuity
    iStructure is an innovative game changing fixed index structured settlement annuity for plaintiffs or attorneys. with an intermediate to long term horizon
  • Structured Settlements and Longevity Risk| What Are the Odds?
    Do your financial resources give you enough road, or will the road run out before you do? A structured settlement annuity helps mitigate the risk of outliving your savings, no matter how long you live. A structured settlement can include one or more customized payment streams and types.

Qualified Settlement Funds

  • What is a Qualified Settlement Fund?
    Qualified Settlement Funds | What You Need to Know
  • Firmwide Qualified Settlement Funds Debunked
    Firmwide qualified settlement funds have been heavily promoted to trial lawyers, but have been debunked in a detailed analysis in a July 2022 legal opinion a tax partner at the law firm of Faegre Drinker Biddle & Reath, LLP. Trial lawyers and firms who have established Firmwide QSFs or coinsidering establishing a Firmwide QSF should read the analysis as part of their evaluation.

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  • STRUCTURED SETTLEMENTS 4REAL® Blog Is a Popular Source of Structured Settlement News, Information and Commentary, John Darer Reviews, Settlement Planning News and Financial Solutions for over 18 years,
    with a stable readership that seeks credible structured settlement information, John Darer Reviews, commentary and/or opinion about topical issues related to settlement planning, targeted to lawyers, injured persons and their family members, guardians, survivors, judges, magistrates, special masters, mediators, administrators, trust companies, insurance company executives and adjusters, financial advisers, settlement professionals, financial professionals, insurance regulators, government leaders, federal and state law enforcement, buyers and sellers of structured settlement payment rights, the news media and other interested parties. 4structures.com LLC established this structured settlement blog in 2005. John Darer ®, CLU ChFC MSSC CeFT® RSP CLTC, President of 4structures.com, located in Stamford, CT 06902. John Darer is an experienced New York City area structured settlement expert, structured settlement broker, Certified Financial Transitionist, and Registered Settlement Planner. He holds insurance licenses in 45 states, has 41 years financial services experience and 31 years in the structured settlements and settlement planning space. In his capacity as a investigative journalist and commentator, and professionally, John Darer passionately believes that shining the light on a business practice is both healthy and newsworthy. It is in the best interest of injury victims, their families and their legal advisers, that the settlement planning discussion involve those that are properly trained in the topic, properly informed on the topic and, with respect to structured settlements, properly licensed and/or appointed. It has significant instructional and deterrent value to other practitioners and firms as well as those who may be caught in the cross hairs. WHAT YOU GET here is the straight stuff with a touch of irreverence and humor. We hope you enjoy and find the content to be helpful. Subscribe to the structured settlement blog feed, or a specific category feed through your blog reader, or through the Subscribe button at the top left of this page. Followers of JDDarer™ on Twitter may also receive select content. If you would like to speak with John he can be reached at (888)325-8640 Thank you for reading! Last updated July 10, 2024

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  • "...Thanks to Mr. Darer's blog and personal pointers I was able to obtain a fair price for the sale of client structured settlement. Therefore, if one has no choice, but to sell their settlement educate yourself first before selling start by reading John's blog" Mr P. 11/17/2012
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  • "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)
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  • John—this (video published 11/2010) is a well done piece. I like the way you always stick to the facts-AM
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  • 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)
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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
    5 Survey not yet complete.

Comments and Trackback Policy

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Why Take a Structured Settlement?

  • A structured settlement offers guaranteed financial security to personal injury victims, wrongful death survivors and their families. A structured settlement involves a customized stream of payments, provides long-term stable tax-free income, for a period of years or a lifetime. Unlike other income annuities. a structured settlement annuity can have multiple payment streams to address multiple needs in a single contract.

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