Structured Settlement Usage Improves in 2015

Structured Settlement Usage Improves in 2015

September 3, 2015 – Of the nine categories of fixed annuities tracked by LIMRA Secure Retirement Institute, only one has shown a positive trend over 2014: Structured Settlements.


An estimated 46.2 billion dollars’ worth of fixed annuity contracts were issued through the half-way point of 2015 and the data reveal that structured settlements are up 8% adding $200,000,000 over the previous year’s activity.

LIMRA Secure Retirement Institute estimates place structured settlement activity at $2.8 billion through June of 2015.

While our firm can’t take full responsibility for this improvement (we’re up about 41% YTD over 2014), I’m proud to say the decisions our clients are making have contributed to this positive trend.

Tax-advantaged, guaranteed structured settlement payments exist to help those challenged by the aftereffects of a personal injury settlement.

Many of them can no longer return to their regular careers.

Often they’re dealing with the severe emotional and financial devastation that accompanies the death of a family member.

Others face the uncertainty of ongoing medical and support needs.

Some seek tax efficiency impossible to achieve elsewhere.

In our view, it only makes sense those who require stability choose safety and security over uncertainty and volatility.

While structured settlement annuity activity represents only about 6.1 percent of the total fixed annuity market, it’s perhaps the most essential percentage since these annuities are funded not with disposable income dollars but rather dollars intended restore individuals to their pre-accident condition.

Structured settlements have been helping people for going on half a century and we’re proud to provide such a valuable life stabilizing service to those who need it most.

Image courtesy of Stuart Miles at


Finn Financial Group