
We do not rely solely on industry tables or historical data to determine an injured person’s life expectancy. Instead, when appropriate, we assess and use rated ages specific to injury claimants for better estimates. For larger, more complex cases, our Tier 2 underwriting process may include additional review and outside expertise to help settlement professionals evaluate appropriate payment options.
Independent Life’s focused business model and structured settlement expertise support pricing informed by current market conditions. Our team works with settlement professionals to develop payment designs intended to address each recipient’s documented long-term needs.

It all starts with our hands-on executive leadership team, who collaborate on cases, adding deep experience and innovative perspectives. Our team combines hands-on case collaboration with technology that supports the process from quoting through policy administration.
We prioritize clear communication, timely case support, and coordination among attorneys, settlement professionals, claimants, and other parties throughout the structured settlement process.