How a Structured Settlement Broker Gets Paid and by Whom
Structured settlement brokers earn 3%–5% on every annuity — and the insurer pays all of it. Here’s who the broker actually works for.

Structured settlement brokers earn 3%–5% on every annuity — and the insurer pays all of it. Here’s who the broker actually works for.

Structured settlement annuity payments are funded by a life insurer under IRC 130 — but selling without court approval triggers a 40% federal tax.

A wrongful death structured settlement guarantees family income for decades — but punitive damages and COLA terms determine the real payout value.

Workers comp structured settlement annuity rates shifted $13,400 in value in 2026 — and most injured workers never check the pricing date before signing.

Structured settlement court approval: a 40% federal penalty hangs over every transfer. Here’s what the SSPA and judges actually require.

Structured settlement discount rates above 11% are negotiable in 2026. Most recipients don’t know where their offer stands — you should before responding.

Best structured settlement companies in 2026 span 9%–18% discount rates. That gap costs $13,500 on a $150,000 stream — know the benchmark before signing.

Structured settlement discount rates run 9%–18% in 2026. Court approval is required in 49 states — see the process and your net proceeds before signing.

Selling a structured settlement means accepting 50–80 cents per dollar — and the buyer keeps the rest permanently. A CFA explains the math and when the trade is worth it.

Structured settlement factoring companies charge effective annual rates
between 9% and 29% — a gap that costs recipients $314,000 or more on a $500,000
payment stream.