Planning for individuals who have received damages in a personal injury case is more than pushing a product. Settlement Professionals Inc.’s holistic approach is to help you identify and then provide for your needs, goals and concerns.
Our process considers income replacement, debt reduction, casualty protection, asset placement and management, home purchase or adaptation, education funding, wills and estate planning and coordination with Social Security and other benefit programs.
Personalized exclusively for you and your circumstances, our plans consider multiple funding options in concert with, or in lieu of, a traditional structured settlement annuity contract. These include secondary market annuity payment streams, fixed index annuities,investment management and long-term care coverage.
STRUCTURED SETTLEMENT ANNUITY ADVICE
Ensuring that the implementation of a structured settlement annuity serves your best interests requires a deep understanding of the best uses and the pros and cons of periodic payment annuities.
Even before negotiations between you and the defendant begin, SPI analyzes annuity products and providers in order to prepare you and your attorney with all the information that you need to evaluate this important option.
When structured settlements are embedded into settlement offers, we provide assistance to evaluate defendants’ plans and offers and, when applicable, negotiate, design and implement a stream of payments to better meet your needs.
To get the best result for your annuity, contact us at email@example.com.
SECONDARY MARKET ANNUITY PAYMENT STREAMS
Secondary Market Annuity (SMA) Payment Streams offer above-average returns, generating more income than structured settlement annuities or other fixed income investments. That’s really important these days, with interest rates lingering near record lows.
Victims involved in legal claims for personal injury often receive a structured settlement, generating regular, fixed payments over several years and/or lump sums at predetermined times from an annuity.
These “existing annuitants” sometimes choose to convert some or all of their guaranteed future income into cash now. To do so, they assign their rights to future annuity payments at a discount to a purchaser in what is known as the “secondary market”.
That’s where SPI comes in. We work with you and your attorney to search for the SMA that fits your needs, then we handle all the details.
Interested? Contact us at 800-666-5584.
FIXED INDEX ANNUITIES
Want to avoid stock market downturns, yet have an opportunity to make better than just a guaranteed three or four percent return? The Balanced Choice Annuity from Athene, with its patented Balanced Allocation Strategy, provides you with the opportunity for long-term accumulation without the downside risks associated with investing directly in the stock market.
This can be a great retirement savings vehicle, because it guarantees that your premium and the interest credited to your contract can never be lost in market downturns. The Balanced Choice Annuity can also be used to create an almost immediate, lifetime income.
Contact us at firstname.lastname@example.org to get started.
SPI offers investment management services with a difference through a separate division known as Settlement Capital Advisors (SCA), a registered investment advisor. SCA approaches investing with a long-term, conservative perspective designed to help you keep, and grow, your money.
SCA understands the unique challenges trial attorneys face, so its services are offered at affordable prices that are straightforward. For more information about pricing, contact SCA at 503-699-8929 or 800-666-5584.
Managed Accounts: SPI manages an investment portfolio comprised exclusively of blue chip, dividend-paying stocks. These are equity investments in some of the largest, most successful companies in the world. Supported by insights from SPI’s investment analysts, the portfolio is managed for conservative long-term growth until you need to begin using your money.
SPI insurance specialists and partners provide instantaneous online life insurance quotes, with phone support when needed. We carry the TOP 60 highest-rated, most cost-competitive life insurance companies in the nation.
In addition, and this is something you just won’t find anywhere else, we specialize in placing cases that have medical issues or are considered high risk.
LONG-TERM CARE COVERAGE
If quality of life is important to you and your family, you owe it to yourself to look into Long-Term Care Coverage. Here’s why:
- The average cost of a nursing home care facility is about $200 per day —that’s over $70,000 per year.
- 50% of all couples are impoverished within one year of entering a nursing home facility.
- Medicare and health insurance do not pay the cost of a nursing home facility.
- Adult children may be called upon to assist aged parents with care needs to avoid Medicaid.
For most Americans, the probability of needing extended care is real. Medicare and health insurance do not cover the cost of the housing and food at a facility. If an individual can’t pay for extended care, Medicaid (a state and federal funded program) may step in.
Before you decide to depend on Medicaid, let us help you explore the possible benefits of Long Term Care Coverage. Contact us email@example.com.
UMBRELLA LIABILITY POLICIES
Protect your settlement assets from claims over and above your existing homeowner, renter and/or automobile coverage. When appropriate, we may recommend an umbrella policy to help make sure you get the coverage you need at a competitive price.