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I. Introduction – Completing the Series “The Social Security Act is among the most intricate ever drafted by Congress; its Byzantine construction … makes the Act ‘almost unintelligible to the uninitiated.’” — Judge Henry Friendly, Schweiker v. Gray Panthers That observation captures the challenge still facing policymakers and structured settlement professionals. For decades, structured settlements...

The faces of innovation – From finance to sales, actuarial, strategy and operations, Independent Life stands strong. Together, we’re exploring new frontiers in the structured settlement industry, with the launch of iStructure Select™, and the inclusion of the Nasdaq-100 Volatility Control 12%™ Index. (From left to right) CEO Donald J. Herrema, Senior Actuarial Analyst Joey...

FORT WORTH, Texas, Sept. 16, 2025 — Independent Life, the only plaintiff-focused structured settlement annuity carrier, was recently hosted by Nasdaq at its New York City headquarters, highlighting the inclusion of the Nasdaq-100 Volatility Control 12%™ Index into its latest innovative product, iStructure Select™. “Our collaboration with Nasdaq is a powerful validation of the work we...