1. Prudential Financial
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AM Best Rating: A+ (Superior)
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Why It Stands Out: One of the largest and most reputable insurance companies. Offers flexible structured settlement annuities with long-term financial security.
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Great For: Plaintiffs seeking long-term, stable income.
2. MetLife (Metropolitan Tower Life Insurance Company)
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AM Best Rating: A+ (Superior)
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Why It Stands Out: Trusted name with strong financial ratings. Offers creative annuity solutions tailored to personal injury or wrongful death settlements.
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Great For: Medical malpractice and accident cases.
3. New York Life
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AM Best Rating: A++ (Superior)
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Why It Stands Out: Known for top-tier financial stability and conservative investment strategies. One of the oldest life insurance providers.
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Great For: Long-term financial security and dependability.
4. Pacific Life
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AM Best Rating: A+ (Superior)
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Why It Stands Out: Highly rated insurer with flexible structured settlement and periodic payment options.
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Great For: Custom payment schedules and tax-advantaged growth.
5. American General Life (a part of Corebridge Financial, formerly AIG Life)
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AM Best Rating: A (Excellent)
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Why It Stands Out: Offers a wide variety of annuity solutions, backed by global insurance giant AIG.
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Great For: Diverse settlement scenarios and larger cases.
6. Berkshire Hathaway Life Insurance Company of Nebraska
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AM Best Rating: A++ (Superior)
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Why It Stands Out: Backed by Warren Buffett’s Berkshire Hathaway, offering one of the strongest financial guarantees in the industry.
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Great For: High-value settlements and maximum peace of mind.
Bonus Mentions:
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Symetra Life Insurance Company
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A (Excellent) rating; well-known in the structured settlement space.
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Mutual of Omaha
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Solid choice for annuities with a strong history of customer service.
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What to Look for in a Structured Settlement Company:
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AM Best Rating: Indicates financial strength and stability.
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Custom Payment Options: Ability to schedule future payments for specific life milestones.
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Tax-Free Payments: Structured settlements are typically income tax-free.
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Customer Support: Look for companies with responsive service for changes or questions.