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Introducing iStructure Annuity™
An enhanced structured settlement solution engineered to create the opportunity for higher guaranteed payouts.
When To Use iStructure
Personal Physical Injury
Personal Physical Injury
Personal Physical Injury
Injury claims resulting from incidents such as medical malpractice, auto negligence, and wrongful death that qualify for Internal Revenue Code Section 104(a)(2).
Workers' Compensation
Personal Physical Injury
Personal Physical Injury
Litigation involving claims for physical injuries directly related to employment that qualify for Internal Revenue Code Section 104(a)(1).
Attorney Fees
Personal Physical Injury
Employment Litigation
Attorney fees that are contingent upon the resolution of the claim can be deferred and are only taxed in the year payments are received from annuity.
Employment Litigation
Structured Installment Sales
Employment Litigation
Examples include wrongful termination, harassment, defamation, and whistleblower claims.
Structured Installment Sales
Structured Installment Sales
Structured Installment Sales
A structured installment sale provides guaranteed income for qualifying property or business sales that are eligible for the installment method under Internal Revenue Code Section 453.
Name, Image, Likeness (NIL)
Structured Installment Sales
Structured Installment Sales
Tax-advantaged strategy to help student athletes create customized periodic payment plans through their NIL agreements.
How Does iStructure Work?
Select A Payment Schedule
Decide how you want your future payments:
- Start Date and End Date
- Lifetime payments?
- Lump sums?
- Monthly, Quarterly, Etc.?
Select Your Floor Strategy
For durations 15 years or less, we recommend "High Growth", which will create equal starting amounts for each payment in your schedule. With this approach, you will never receive less in one year than you did a previous year.
For durations over 15 years, we recommend "Balanced Growth", which will create decreasing starting amounts for each year of payments in your schedule. This effect helps to spread out the index gains over time vs. being built up too heavily in the later years of the annuity contract. With this approach, you will experience downward fluctuations at times, but these are not losses to you.
Annual Index Review
When there is an index gain for the policy year, that gain is multiplied times the participation rate to determine the index credit rate. Any index loss is zeroed out and treated as no gain.
All current and future payments are increased by any index credit rate at the end of a policy year. Once index credits are applied, they are locked-in and guaranteed not to decrease.