The Structured Installment Sale (SIS) has emerged as an innovative and practical solution for tax deferral and income security in the sale of appreciated assets—particularly in the business and real estate sectors. For sellers seeking to manage the tax impact of capital gains and create predictable future income, SIS transactions offer a unique blend of...
Introduction Structured settlements were created to protect vulnerable personal injury claimants by ensuring long-term, tax-free financial stability. Yet today, those same settlements are increasingly targeted by an aggressive and evolving secondary market. In 2024 alone, the structured settlement industry sold a record $9.5 billion in annuities, underscoring the growing size and significance of this market—and...
Introduction In today’s climate of economic turbulence—characterized by inflation, geopolitical uncertainty, and volatility in both fixed income and equity markets —injured plaintiffs and their attorneys face immense pressure when deciding between cash only settlements and structured settlements. Recent headlines have amplified these anxieties: abrupt trade policies, inflation risks facing the Fed, and global instability have...
Introduction Historically rare, punitive damages are intended to punish egregious misconduct and deter future wrongdoing. Recently, however, jury verdicts—including both compensatory and punitive damages—have garnered significant public attention, indicating a possible shift in jury attitudes and expectations. Although punitive damages traditionally appear in only 2–5% of civil jury trials, recent verdicts suggest juries increasingly seek...
We’re thrilled to announce the well-deserved promotions of Mikel Taft to Chief Business Development Officer and Courtney Barber to Chief Sales & Marketing Officer. Since the inception of Independent Group, Courtney and Mikel have been the driving force behind sales and business development, shaping our collective growth, and strengthening our commitment to serving injury victims and their...
In the structured settlement annuity (SSA) industry, dominated by many of America’s largest life insurers, Independent Life Insurance Company (ILIC) achieved significant milestones in 2024. Not only did the company surpass $1 billion dollars in funded premium, but it also made national headlines in the insurance press as one of the Fastest-Growing Small to Medium Annuity Issuers,...
At Independent Life we pride ourselves on delivering excellence, and today, we’re celebrating an exceptional effort by Laurel Rochwarger. Recently, Laurel went above and beyond to ensure that a crucial document was turned around to a structured settlement consultant in record time ⏱ This is a perfect example of our commitment to service and the...
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Any discussion of taxes herein is for general informational purposes only and does not purport to be complete or cover every situation. Independent Life, its affiliates, its distributors, and its and their respective representatives do not provide tax, accounting, or legal advice. You should confer with your qualified legal, tax and accounting advisors based on your particular circumstances. All guarantees are obligations of Independent Life Insurance Company.
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