“It is impossible for a person to begin to learn what he thinks he already knows.” – Epictetus Introduction That observation is particularly relevant to the modern use of the term “structured settlement.” The term is widely used in personal injury practice. Attorneys encounter it in mediation discussions, settlement agreements, tax analyses, Medicare Set-Aside planning,...
I. Introduction What happens when a six-figure lump sum disappears within months, and a client returns, destitute, asking for help? Structured settlements were developed in part to prevent precisely these outcomes, but only if they are meaningfully considered at the time of resolution. For plaintiff attorneys, structured settlements are not a niche financial product or...
“Every system is perfectly designed to get the results it gets.” – W. Edwards Deming From Evidence to Imperatives, and What Comes Next In Part One of this Survey Series, we examined fifty years of structured settlement research, from the 1977 Lilly Report through the 2025 MetLife Claimant Poll, and identified a consistent finding across...
From Evidence to Imperatives: What Fifty Years of Surveys Require Next Part One of this series traced fifty years of structured settlement research, from the 1977 Lilly Report through the 2025 MetLife Survey, and showed how claimant outcomes depend on when, how, and by whom structured settlements are introduced. Across decades of survey research, one...
FORT WORTH, Texas, Nov. 19, 2025 — Independent Life Insurance Company, the only insurer dedicated primarily to structured settlements, today announced the launch of new-business capability for its traditional fixed-rate annuity product on its Mosaic system. Originally created to support the development and rollout of Independent Life’s innovative index-linked iStructure® annuities, Mosaic is a digital, end-to-end system...
Introduction Nearly fifty years have passed since the first structured settlement studies sought to measure how periodic payments could reshape personal injury compensation. In that half-century, the industry has evolved from a defense-side experiment in claims management into a broader settlement planning profession, one that integrates claimant financial security with tax efficiency, government benefits protection,...
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...
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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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