A structured settlement annuity is a financial arrangement where an insurance company guarantees a series of periodic payments—typically following a legal settlement such as a personal injury claim.
The annuity is established through a court-approved process and is designed to provide a tax-advantaged, reliable income stream.
Leading Structured Settlement Annuity Companies
The best-structured settlement annuity companies are respected for their longevity, high credit ratings, and compliance with state and federal laws. Here are some of the top providers and relevant details for 2025:
| Company Name | AM Best Rating | S&P Rating | Key Strengths | Notes |
|---|---|---|---|---|
| American General (AIG) | A | A+ | Large, reliable, various assignment options | Minimum premium: $25,000 |
| American National (ANICO) | A | A | Competitive rates, lower minimums | Minimum premium: $5,000 |
| Berkshire Hathaway | A++ | AA+ | Financial strength, dual guarantor options | Minimum premium: $100,000 |
| MetLife | A+ | AA- | Large case expertise, flexible assignments | Minimum premium: $2,000,000 (MLIC), $50,000 (MTLIC) |
| New York Life | A++ | AA+ | Excellent stability, high financial ratings | Minimum premium: $50,000 |
| Pacific Life | A+ | AA- | Strong reputation, flexible programs | Minimum premium: $10,000 |
| Prudential | A+ | AA- | Solid payout record, responsive support | Minimum premium: $20,000 |
| United of Omaha | A+ | A+ | Consistent service | Minimum premium: $10,000 |
| USAA | A++ | AA | Hybrid financial services, military-friendly | Minimum premium: $10,000 |
| Independent Life | N/R (Egan Jones NAIC Tier 1) | N/R | Specialized focus, innovative approach | Lower Weiss rating |
These ratings assure strength and the companies’ ability to meet future obligations, a crucial consideration for those relying on such payments for years or decades.
Companies That Buy Structured Settlements
Those seeking to sell a structured settlement may turn to reputable purchasing companies. Notable, well-reviewed options in 2025 include:
- CBC Settlement Funding: Competitive quotes, personalized representatives, excellent service.
- DRB Capital: Flexible payout options, responsive process.
- Fairfield Funding: Focus on client service and transparent guidance.
- Novation Settlement Solutions: Fast decisions, flexible communication.
- Stone Street Capital: Fast funding after court approval.
- RSL Funding: Most Cash Guarantee, national operations.
What to Look For in a Structured Settlement Annuity Company
- Strong financial ratings from A.M. Best, S&P, Moody’s, and Fitch.
- Transparent fee structures and minimum premium requirements.
- Accessible and knowledgeable representatives.
- History of reliability in annuity payouts and claims service.
The best-structured settlement annuity companies for 2025 are large, well-recognized insurers committed to long-term stability. Verify the licensure of agents or brokers, prioritize financial ratings, and choose companies with transparent processes and strong reputations for keeping their promises.