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A structured settlement is a financial or insurance arrangement whereby a claimant agrees to resolve a personal injury tort claim by receiving periodic payments on an agreed schedule rather than as a lump sum. purchaser of a structured settlement is an individual or company who buys a pre-existing structured settlement. Such settlements might include payouts for lottery winnings or annuities. For example, a court ordered structured settlement pays $5,000 a year for twenty years.
Retirement income generator (RIG) #3: Immediate annuities. With an immediate annuity, you give your retirement savings to an insurance company, and it promises to pay you a monthly retirement income for the rest of your life (no matter how long you live). You can continue the income flow for your spouse or partner after you die by using a joint and survivor annuity.