Structured Settlements 4Real® Blog: Structured Settlements | Settlement Planning News and John Darer Reviews

USAA Celebrates 100 Years in Business

by John Darer CLU ChFC MSSC CeFT RSP CLTC

We're pleased to have a business relationship with USAA Life Insurance Company . The San Antonio based USAA was founded June
20,1922 by a group of soldiers to take care of their own. Over the years the USAA customer base has explanded.

USAA Structured Settlement Annuity Issuer

Today the A++(Superior) A.M. Best rated insurer has become a highly respected issuer of structured settlement annuities for a wide spectrum of claimants, particularly competitive for use as a qualified funding asset to fund long duration cash flows as payment of damages in on personal physical injury, physical sickness and wrongful death in medical malpractice, aviation, trucking, maritime and other types of legal settlements.

USAA ranks 25th on Fortune’s 2022 list of the world’s most admired companies. The ranking is based on the magazine’s poll of about 3,700 corporate executives, corporate directors, and business analysts. 

USAA ranks 96th in the 2022 US Fortune 500 and 330th in the Global Fortune 500.

USAA is one of the Wards 50 Life & Health Insurers for 2021 (29 years).

Watch a short video about the history of USAA, immediately below

Read more about

What is a Structured Settlement?

What is Settlement Planning?

Structured Settlements for Minors

Structured Settlements for Seniors

USAA Life Insurance Company does not write structured settlement annuities in taxable damage cases or where litigation is in the State of New York.

Last updated May 19, 2023

 

 

 

What Factors Affect Structured Settlement Annuity Rates? Structured Settlement Users Guide

by John Darer ® CLU ChFC MSSC CeFT RSP CLTC

What affects structured settlement annuity rates?  

Putting together the structured settlement jigsaw puzzle for you

1. DATE OF BIRTH (If Lifetime Benefits are being considered)

The cost per $1,000 of payments for life is less expensive at the older ages

2. RATED AGE  (if Lifetime Benefits are being considered)

A review of medical records by a medical underwriter for a life insurance company that (1)  issues structured settlement annuities and (2)  issues rated ages assigns an older age to you for pricing purposes and this lowers the cost per $1,000 or boosts the yield per $1,000 cost on lifetime benefits for that annuity issuer.  The rated age assigned may vary from company to company. A higher rated age does not automatically translate into higher benefits. A rated age does not affect the cost of benefits that are paid for a fixed period certain.

3. LENGTH OF CERTAIN PERIOD

Life contingent payments are only paid if you are living. Certain payments will be paid whether or not you are living when a payment is due. So if you choose a 30 year certain and life, payments will be made for the rest of your life or 30 years, whichever is longer. You can choose how long or short you want. A longer certain period means you receive fewer payments while you are alive, but means you may leave more to your beneficiary if you die before the certain term is over.  If you are young the adjustment is fairly modest. At older ages the spread can be more significant. In some cases a multiple product arbitrage can make a difference  (contact me for details).

4. THE USE OF ANNUAL INCREASES

Increases have a meaningful effect on the amount of payments you initially receive but if you are willing to wait, it can pay out more over time.  That is balanced against your needs and wishes now since you must be willing to accept a lower starting amount when compared to level payments.. It's important to do a cross over comparison so that you can see how long it will take for payments on the increasing option to (1) exceed the level payments and (2) how long it will take for the aggregate payments from the increasing plan to exceed the aggregate payments on the level plan.

5. DAILY RATES

Many companies offer daily rate pricing which may or may not be better than their general pricing.  The threshold for offering daily rates varies by company.  One company only offers daily rates.  Note that daily rates are typically good until the end of the business day quoted however, some carriers will give a nominal additional amount more time, for example to the next day or in one case 2 days.

6. INSURANCE COMPANY PREMIUM LIMITATIONS

Some companies have low premium limitations before they require daily rate pricing which for them may be worse. 

7. DIVERSIFICATION

Diversification is a good idea, but it may impact the price/yield due to variations in price between insurance companies.   We have longstanding relationships with the leading insurance companies that underwrite structured settlements.

     8. PUTTING TOGETHER “THE JIGSAW PUZZLE”

Sometimes we can get a better price by combining two or more companies by their strengths. One  life insurance company issuing structured settlement annuities may be better for earlier payments and another for later payments. One may handily beat the competition for premium up to $1,000,000.

Sometimes there are unique considerations  (1) some companies will not participate unless you have a US tax ID number (2) some companies will not mail payments to another country (will require US bank deposit account) (3) taxable damages case have options in a more limited universe.

A SIMPLE WAY TO DEAL WITH THE STRUCTURED SETTLEMENT PRICING VARIABLES

1. Consider if stable income important to you?   If yes...
   
2. Consult a structured settlement expert. 
   
3. Review current sources and uses of funds, determine where the gaps are.
4. How much stable income do you need each month?  Or quarter or year?
   
5. Do you want to provide for beneficiaries?
6. Review and select a plan design
7. Explore diversification options with structured settlement expert.
   
8. Your structured settlement expert will daily rate shop.

Note that a structured settlement is a core settlement planning tool or option. There may be other important considerations. Always work with someone with proper credentials and experience.

 Other related information that may be helpful

Types of Structured Settlement Payments

 

Last Updated August 25, 2023

How to Use Structured Settlements in a Divorce Settlement

by John Darer® CLU ChFC MSSC RSP CLTC

What is a Divorce Structured Settlement?

Having the stable income stream that a structured settlement provides, as a foundation, can be helpful in a financial transition to the new normal

The parties negotiate the terms of settlement of marital property.

The Paying Spouse agrees to settle the marital property interest in the form of  periodic payments to the Payee Spouse. The Divorce Settlement Agreement creates an obligation for the Paying Spouse to make the negotiated periodic payments for a stated number of months or years.

Following the execution of the Marital Settlement Agreement, the Payor Spouse assigns his/her periodic payment 0bligation to an assignment company. 

In this case we are speaking of a non qualified assignment. The Payor Spouse transfers a lump sum, representing the discounted value of the payment stream due under the Marital Settlement Agreement. In return, the assignment company agrees to assume the Payor Spouse’s payment obligations. The assignment company is a subsidiary or an affiliated company of a highly rated life insurer which issues the annuity contract to the assignment company, which makes all periodic payments required by the Marital Settlement Agreement. In this way, the Recipient Spouse will not be financially dependent on the Payor Spouse, but rather, on a highly rated, well-capitalized life insurer.

When Does a Divorce Structured Settlement Work Best?

• A divorce structured settlement works best if there is enough liquidity in divisible assets and/or the Paying Spouse has sufficient resources  to fund a future payment stream for some element of the divorce today. This is critical to get off squere one; 
• Where the amount of  future payments can be quantified at the time of settlement.  One cannot for example quote a divorce structured settlement for  a payment that may vary from one payment to the next, or may otherwise vary over time;  AND
• Where the Recipient Spouse would like the security of core income stability that is unaffected by the Paying Spouse's employment status, solvency or income reporting integrity.
• Where the Recipient Spouse would like the security of core income stability that is  unaffected by the death of the Paying Spouse.
• Where the Paying Spouse and the Recipient Spouse want to keep things simple.  

Read more about Divorce Structured Settlements

Divorce Structured Settlements 888-325-8640 | 4structures.com

 

Last updated May 18, 2024

 

 

Why Name a Beneficiary on a Large Structured Settlement For a Minor?

by John Darer® CLU ChFC MSSC CeFT RSP CLTC

The Estate of the Minor is the default beneficiary designation for structured settlements payable to minors.  Generally minors cannot make a change of beneficiary until they reach the age of majority.

This could be a major estate planning dilemma where the child's parent already has (or parents  have) sizable assets, is (are) already a beneficiary of their own parent's sizable estate  and/or is/ are high income earners (or potential earners) in their own right. 

If an annuitant dies while receiving a structured settlement,  the present value of any remaining future payments due to be paid after the death of the primary annuitant is included in the annuitant's estate. 

[ See generally 26 U.S. Code § 2039]

If under the laws of intestate succession, the beneficiary of a large minor's structured settlement is the Estate of the Minor,  the resulting inheritance might not only be subject to Estate Tax , but the net inheritance would first amplify the parent's estate, with the resulting growth in present value on that inheritance as payments get closer to their due date creating a potentially major tax issue for THEIR beneficiaries.

Consider the following:

The Federal Estate Tax exemption is $5,430,000 for 2015. The Federal Estate Tax is a tax on your right to transfer property at your death. It consists of an accounting of everything you own or have certain interests in at the date of death (Refer to Form 706 (PDF)).

States also have Estate Tax exemptions

For example:

A. New York Basic Exclusion Amount

Dates of Death

April 1, 2015-March 31, 2016       $3,125,000

April 1, 2016-March 31, 2017        $4,187,500

April 1, 2017-March 31, 2018       $5,250,000

B. Connecticut Applies Estate Taxes at a Lower Amount of Taxable Estate

Over $2,000,000 but not over $3,600,000                 7.2% of the excess over $2,000,000

Over $3,600,000 but not over $4,100,000                 $115,200 plus 7.8% of the excess over
$3,600,000

Over $4,100,000 but not over $5,100,000                 $154,200 plus 8.4% of the excess over
$4,100,000

Over $5,100,000 but not over $6,100,000                 $238,200 plus 9.0% of the excess over
$5,100,000

Over $6,100,000 but not over $7,100,000                 $328,200 plus 9.6% of the excess over
$6,100,000

Over $7,100,000 but not over $8,100,000                 $424,200 plus 10.2% of the excess over
$7,100,000

Over $8,100,000 but not over $9,100,000                 $526,200 plus 10.8% of the excess over
$8,100,000

Over $9,100,000 but not over $10,100,000               $634,200 plus 11.4% of the excess over
$9,100,000

Over $10,100,000                                                      $748,200 plus 12% of the  excess over $10,100,000

How big is this potential  problem?

There are two major generational wealth transfers in play right now. 

An estimated $12 Trillion will pass from those born in the 1920s and 1930s  to Baby Boomers and their children. A larger wealth transfer will flow from Baby Boomers to their children over the next 40 years.  One cannot just ignore the issue.  Their children and family members suffer personal physical injuries in accidents,  are victims of malpractice,  or product defects, just like everyone else.

Can't you just gift it away?

Depends on the size of your case and the estate.  You would need a lot of donees!  There is an “annual gift exclusion” of $14,000 per recipient in 2015  ($28,000 per couple). The provision sets the amount that an individual can give, tax-free, to another person who isn’t a spouse. (Transfers between spouses are often tax-free.)  There is no limit on the number of such gifts a taxpayer can make, as long as each is to a different person.   One could give money to charity if so inclined.

Won't a Commutation Rider Solve the Problem?

Commutation Riders have been around for about 20 years and were originally designed to provide liquidity to pay estate taxes upon the death of the structured settlement annuitant.   In 1995 we were looking at much lower exemptions. In the last 22 years, in New York for example, it has been also used to provide liquidity to pay of liens when a special needs/supplemental needs trust is used.  Liquidity in a large settlement however,  still places a large net amount that amplifies what may already be sizable assets which will then be compounded by future growth. Sounds like a nice problem to have except when you consider the pain the family or individual went through to get such a sizable recovery.

Petitioning the Court to Approve an Infant Compromise Order With Sibling Beneficiary

Some opine that a possible solution is to name a sibling, contemporary in age to the minor annuitant in lieu of the Estate, where a sizable chunk would default to the parents. There is still a potential estate tax due if the present value of the injured minor's remaining annuity at death exceeds the exemptions, but it may be an effective way to deal with the amplification and growth issue discussed above.  Under the natural order of things the sibling will outlive the parents.

Assuming the court approves, the strategy could be implemented using two or more structured settlement annuities, the first with a commutation rider to provide liquidity help pay the estate taxes if the injured minor dies and the second to continue to help provide the asset growth and/or a guaranteed income stream.

This is not meant to be an exhaustive discussion on the subject. It is meant to stimulate thoughtful discussion on the topic. There may be other solutions. Always seek advice from qualified professionals

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Last updated October 1, 2024

What's the Difference between Plaintiff or Claimant, Defendant or Respondent?

by John Darer® CLU ChFC MSSC CeFT® RSP CLTC

What's the difference between a Plaintiff and a Claimant? 

Plaintiff and Claimant are legal and settlement terms that are often used interchangeably.  But we could be talking apples and oranges!

Structured settlement documents and releases require proper terminology

What is a Plaintiff?

A plaintiff is the person or entity initiating a lawsuit by filing a complaint in a court of law.

What is a Claimant?

A claimant is someone either bringing a case to court or more commonly, bringing a claim to his, her, their,  or the other side's insurance company.

What's the difference between Defendant and Respondent?

 

 

 

 

 

 

 

 

What is a Defendant?

A defendant is a person or entity against whom an action or claim is brought in a court of law

What is a Respondent?

A respondent is the individual or entity that responds to a claim. Often refers to a pre-suit claim.

What is an Applicant?

An Applicant is the party that opens a case at the local Workers’ Compensation Appeals Board (WCAB) office by filing an application for adjudication of a Workers' Compensation claim

There are some important differences in structured settlement documents between cases in claim or suit.  Proper structured settlement documentation in settlement documents is crucial in order to achieve the goals of the settling parties. Don't talk apples and oranges! Check out my video below for more information about structured settlement documentation.

What You Need to Know About Structured Settlements

Feel free to contact me at 888-325-8640 if you have any questions about these structured settlement terms(or others) and terms related to legal settlements.

Structured Settlement Glossary, Terms, Definitions for Structured Settlement Planning (4structures.com)

Last updated July 9, 2024

 

Inherited A Structured Settlement | Guide For Structured Settlement Beneficiary | 4structures.com® LLC

by John Darer® CLU ChFC MSSC CeFT® RSP CLTC

Inherited a structured settlement? It means that someone who you loved (and loved you), who has recently passed, was receiving structured settlement

Inherited A Structured Settlement

payments that were part of the settlement of a legal case. Your loved one agreed to the payment schedule when the settlement was negotiated. If they were a minor at the time of the settlement, the settlement would have to have to have been agreed to by the minor's parents, or a court appointed guardian, Furthermore, the Court would have had to approve the overall settlement, including the structured settlement payments.

Whether the payments come from a structured settlement annuity or Treasury Funded Structured Settlement there are benefits to structured settlement beneficiaries:

1. If the structured settlement was created as payment for damages in a wrongful death, physical injury or physical sickness case, or the settlement was in resolution of a workers compensation claim the payments are going to pass to the beneficiaries income tax-free.
2. A structured settlement offers a stable source of income that is unaffected by the ups and downs of the stock market, real estate market, or the recent municipality pension bubble where a number of cities have filed for Chapter 9 bankruptcy.
3. If you are used to an income stream, the continuation of that stable income stream may be a source of comfort.
   

No Rush to Make Decisions for Structured Settlement Beneficiaries

If you have inherited a structured settlement, as a beneficiary should know that there is absolutely no rush to make any decisions about the structured settlement. If you are the named beneficiary, a claim will have to be submitted to the annuity issuer or assignee, which among other things will include a copy of the death certificate.  You may need to prove you are the beneficiary. There may be other routine administrative forms if you want to have payments deposited directly into your bank account. You may also wish to name your own beneficiaries. Should you wish to do so, beneficiary changes must be in writing. Some insurance companies also require signatures to be notarized.

Some structured settlements have commutation riders which convert the future payments, in whole or in part, to a lump sum as of the date of death, if such commutation rider was part of the original settlement. A commutation rider on a personal injury structured settlement began to be seen on certain cases in or after 1995, when the IRS issued a Private Letter Ruling, blessing the income tax-free status of such commutations for the first time (subject to the conditions stated in the ruling). Commutation riders are commonplace on (1) large settlements where estate liquidity needs have been anticipated and (2) where structured settlement payments are made to a Supplemental Needs Trust and the deceased plaintiff was a New York resident at the time the legal case settled.

There are also companies that will buy the rights to future structured settlement payments. You've seen some of them on TV,  or seen them advertised on the Internet. Perhaps you've received a mailer, or been badgered by phone calls.  It may make sense to consider transferring some of your structured settlement payment rights, but only after thorough consideration of your needs, whether those needs can be satisfied from other sources,  and the impact of a potential sale or transfer on your future benefits.

One situation where you may need to explore this option is if a structured settlement annuitant dies and the present value of the "certain" and/or  "guaranteed" but  not yet received structured settlement payments at date of the decedent's death exceeds the estate tax exemption amount. Hard to do in 2021 with today's thresholds  (updated). If there is no liquidity in the estate to pay the estate or inheritance taxes then a sale of a portion of structured settlement payment rights may be necessary.

An important caveat is that there is no regulation of the sales practices of these secondary market companies at this time. The state in which you reside likely has a Structured Settlement Protection Act  (SSPA) which requires a court approval process to determine whether any attempt to sell payments is in your best interest  (updated). Of such companies, there are some ethical practitioners, but many vultures who exhibit (or have exhibited) questionable business methods and scam people out of their money with aggressive sales tactics.

All in all a structured settlement beneficiary should take their time. Consult with the structured settlement consultant who created the structured settlement, if you know who that is, your lawyer, or an independent financial professional who is a structured settlement expert.  Only deal with licensed and credentialed experts.

 

An Annuitant, A Measuring Life, A Payee and a Beneficiary Walked Into A Bar And...

 

by John Darer® CLU ChFC CeFT MSSC RSP CLTC

An Annuitant, a Measuring Life, a Payee and a Beneficiary Walked Into A Bar and they Each Ordered a Beer. The question is how many beers does the bartender pour?

The solution to this structured settlement definition quandry is no different than that for someone seeking a solution to incontinence. Depends

What is an Annuitant?

The individual named under an annuity contact who will serve as the measuring life for the purposes of determining the benefits to be paid under a structured settlement annuity contract

What is a Measuring Life?

The human being or natural person whose life expectancy is the basis for the cost of a structured settlement annuity that is payable for life.

What is a Payee?

The individual or entity to which payments are due to be made under the structured settlement annuity contract

What is a Beneficiary?

The individual(s) or entity that is (are) due to receive a death benefit when the Measuring Life for a structured settlement annuity dies.

It's critical to note that in differing circumstances two or more of these could be the same individual or entity. The Bartender must pour a minimum of 2 beers because the annuitant, measuring life and payee could be one and the same. If that were the case they could not be the beneficiary.

Structured settlement brokers, settlement planners and their staffs, post-sale handlers at life insurers and lawyers,  have a responsibility to see that these are reflected accurately in structured settlement documents such as the Settlement Agreement and Release, Qualified Assignment, Annuity Contract, Pledge Agreement) if Applicable and Guarantee.

For more structured settlement keywords, terms and definitions please see the structured settlement glossary at 4structures.com

An Annuitant, a Measuring Life, a Payee and a Beneficiary Walk into a Bar...How many of me did the bartender pour?

 

 

 

 

 

 

 

 

 

Last updated April 2, 2024

Qualified Assignments and Assignment Fees With Structured Settlements

by John Darer® CLU ChFC MSSC RSP CLTC

A qualified assignment is a regular part of a structured settlement in the resolution of a personal injury, medical malpractice, or wrongful death claim or lawsuit (or non-qualified assignment where the structure is of taxable damages)

Since January 1983, when the Periodic Payment Settlement Act of 1982 became effective in the United States, most structured settlements follow the steps displayed in the structured settlement flow chart below. Step 1 is the "promise to pay" where part of the consideration for the settlement is an obligation to make future periodic payments which is then assigned/transferred to a third party, typically a subsidiary of the structured annuity issuing life insurance company.  Step 2 in the flow chart shows how an assignment fits into the typical structured settlement transaction.

The transfer of obligation benefits both parties

A. For the party or parties being released, or the insurer, assuming the requirements of IRC 130 have been satisfied, the novation of the periodic payment obligation enables them to take a tax deduction instead of simply a write off as the payments as payments are made. If the released party were to pay cash in exchange for a general release, they have the opportunity to take a tax deduction for the consideration paid for the release.

B. For the releasing party, the assignment means that the structured settlement recipient has the opportunity to obtain secured creditor status with most assignees*. This differs from a buy and hold where the recipient is a general creditor of the Defendant or its insurer. 

Annuity Issuer Guaranteee of Assignee

• Allstate Life Insurance Company/ Allstate Life Insurance Company of New York (Allstate Life Insurance Company guarantees the assignment company)
  
• Hartford Life Insurance Company
  
• John Hancock Life Insurance Company/ John Hancock Life Insurance Company of New York
  
• Liberty Life Assurance Company of Boston*
• Metropolitan Life Insurance Company
• New York Life Insurance Company*
• Symetra Life Insurance Company
• The Prudential Insurance Company of America
  
• United of Omaha Life Insurance Company     
• Note: * Secured Creditor not offered with New York Life and Liberty Life programs

Up Stream Holding Company Guarantee

• American General Life Insurance Company
• Pacific Life Insurance Company 
  
• Pacific Life and Annuity Company
• Hartford Life Insurance Company (Hartford Life Inc. provides additional guarantee of assignee)

Other Insurers in Family of companies guarantee the Assignee

• Berkshire Hathaway Life Insurance Company of Nebraska
• First Berkshire Hathaway Life (Berkshire Hathaway Life Insurance Company of Nebraska provides an additional guarantee on FIrst Berkshire cases that are assigned to BHG Structured Settlements, Inc.

Top Structured settlement annuity companies, qualified assignment companies and fees charged

What are Assignment Fees and Why Are They Charged?

A nominal assignment fee is charged by the assignment company as consideration for taking on the periodic payment obligation.

• Assignment fees for U.S. qualified assignments run from $0 to $750.
• Assignment fees for non-qualified assignments typically run between $500 and $1,000.
• If you are a Canadian reader the assignment fees for structured settlements placed with Canadian structured annuity issuers can run as high as CDN$2,000.

As your lawyer can explain to you, a qualified assignment is a contract and consideration is one of the elements of a valid contract, along with offer and acceptance.

In the United States assignment fees are typically included in the quote.  In Canada they aren't and we understand that it's even customary for brokers to pay such fees. Such practice is not possible in the United States where most state insurance anti-rebating laws prohibit such consideration to be paid by licensed insurance agents or brokers.

Executive Life of New York (ELNY) Proposed Liquidation Leads to Questions

From 1983 to the end of that decade, a number of ELNY funded structures were subject to qualified assignments to First Executive Corporation, an entity which in its pomp was reported to have 40% of its assets in junk bonds. It later went bankrupt. New York state regulators seized ELNY in April 1991. While ELNY structured settlement annuitants have been receiving 100% of their obligations since then, the ELNY liquidation proceeding (scheduled to be heard March 15, 2012 may affect the status quo.

This may lead some to question whether or not a qualified assignment makes sense.

• Some blame the ELNY scenario on the defense-oriented industry environment in the 1980s and say that the involvement of structured settlement experts by plaintiffs and plaintiff attorneys and the ability to have greater authorship on their futures has been a major development over the last 20 years.  I agree, but with the caveat that some veterans that I have spoken with placed ELNY structured annuities due to the great prices then on offer and some, despite posturing otherwise, may even place business today with annuity issuers (even lower rated annuity issuers solely based on price).
  
• Today most qualified assignment companies are special purpose entities that exist for the purpose of owning and/or administering structured settlement annuities issued by the parent annuity issuer. In the case of New York Life Insurance and Annuity Corporation it is also an insurance company, which essentially cannot file for bankruptcy.
• Few defendants or insurers are willing to do a structured settlement for plaintiff unless there is an assignment. If you, or your client will benefit from and wants a structured settlement, then a qualified assignment (or non-qualified assignment where applicable) will need to be in the settlement mix.
  
• A buy and hold out of a qualified settlement fund is impractical since a qualified settlement fund is unlikely to remain in existence for the duration of a structured settlement contract with obligations that extend decades into the future. Furthermore,with competing interests to a qualified settlement fund how wise would that be for a structured settlement recipient?
  

It may be advisable to diversify the structure between several annuity issuers and concomitant assignees                                                                

While ELNY is one story, here's another scenario involving financial impairment from the same time period

In re Monarch Capital structured settlement liquidation (see In re MONARCH CAPITAL CORPORATION Debtor No. 91-41379-JFQ (D. Massachusetts August 12, 1991), 175 structured settlement annuitants were protected despite the bankruptcy filing of the assignee, Monarch Capital, a non-insurance entity like First Executive. Monarch Life Insurance Company, domiciled in Massachusetts, was owned by Monarch Capital Corporation. Their main concentrations were in the variable life and disability income fields. Monarch Life has been in rehabilitation since June 1994. The company ceased writing new life and annuity business in 1992 and disability income business in 1993. At this time, they are still in receivership, under supervision by the Massachusetts Division of Insurance (Source: www.nolhga.org).

 

 

 

4structures.com®, LLC Named To CT Law Tribune Best of Connecticut

by John Darer® CLU ChFC MSSC RSP CLTC

Connecticut Law Tribune's readers have named 4structures.com®, LLC to its "Best of Connecticut" list for 2011. Each year the Connecticut Law Tribune surveys Connecticut's lawyers and law firms for their opinions about vendors who provide products and support services to the Connecticut legal community,

This is the fifth time that 4structures.com®, LLC has achieved this status. 4structures thanks the readers of the Connecticut Law Tribune. It is extremely gratifying to receive the longstanding recognition for the efforts we put in for our structured settlement and settlement planning clients who are domiciled or have legal cases in Connecticut.

 

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