Purchase a guaranteed structured settlement income stream Current rates are around 7
What is a structured settlement and why do I want one?
A structured settlement is a pre-existing monetary payment that's paid out for a defined period of time. They are generally lawsuit proceeds or lotteries. A sum of money is transferred to an insurance company that acts as a third party and is responsible for paying the proceeds back to the new owner. They can be paid out over both short and long periods. Only a few insurance companies handle structured settlements. Only the biggest and most secure, such as MetLife, John Hancock and Pacific Life are entrusted with structured settlements. MetLife has been handling structured settlement payouts for 40 years. Safety is the most important part of structured settlements. Some of the strongest guarantees on the planet.
We purchase high interest guaranteed income streams from current owners. The existing owner wants to sell the income stream for a discounted rate and single/immediate payment. They want instant cash and do not want a guaranteed income stream.
Our clients can purchase the guaranteed income streams at highly discounted rates! You are purchasing more money with less money! An instant win. Rates are currently around 7%. This is a fixed and guaranteed rate of return that does not change. A hypothetical example would be buying a $250,000 income stream for $100,000. Like buying an existing pension for a discounted price.
Income streams can be custom designed for your individual needs. Income streams can start immediately or can be deferred to a later date such as retirement in future.
Built-In Safety Features
1. Backed by Major Insurance Companies
- Payments are funded through top-rated life insurers
- These companies are heavily regulated at the state level
- Designed to provide guaranteed, fixed payments
2. Court-Approved & Regulated
- Every structured settlement originates from a legal settlement
- Transfers (pre-owned purchases) must be approved by a judge
- Courts ensure transactions are in the seller’s best interest
3. Longstanding Legal Framework (40+ Years)
- Formalized under the Periodic Payment Settlement Act of 1982
- Strengthened by decades of federal and state legislation
- Supported by bipartisan policy and tax law
4. State & Federal Consumer Protections
- All 50 states have Structured Settlement Protection Acts (SSPAs)
- Court oversight prevents unfair or predatory transactions
💰 Financial Strength & Predictability
- Guaranteed payment schedule (monthly, annual, lump sums)
- Not subject to stock market volatility
- Designed to provide long-term financial security
- Often described as “peace of mind income” by industry groups
📈 Why Investors Like Pre-Owned Structured Settlements
- Attractive yields compared to traditional fixed income
- Predictable cash flow for retirement planning
- Low correlation to market risk
- Backed by contractual, court-recognized obligations
🧠 What You’re Buying
When you purchase a pre-owned structured settlement, you are acquiring the rights to future payments that are:
- Contractually defined
- Court-approved
- Funded by insurance carriers
💵 Key Investor Benefits
- Fixed, predictable income streams
- Attractive yield potential vs bonds/CDs
- Defined payment schedules (contractual certainty)
- Low volatility / non-market dependent
- Ideal for:
- Retirement income
- IRA allocations
- Income diversification
- Retirement income
Safe. Predictable. Court-Approved Income.
Unlock a powerful, little-known income strategy used by institutions and backed by the legal system.
At Guardian Settlements & Financial, we help clients access pre-owned structured settlements—a unique asset class offering predictable income, strong legal protections.