{"id":188585,"date":"2025-05-11T01:16:07","date_gmt":"2025-05-11T01:16:07","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/"},"modified":"2025-05-11T01:16:07","modified_gmt":"2025-05-11T01:16:07","slug":"what-is-a-structured-annuity","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/","title":{"rendered":"What is a structured annuity?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#What_is_a_Structured_Annuity\" title=\"What is a Structured Annuity?\">What is a Structured Annuity?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#What_is_the_Definition_of_a_Structured_Annuity\" title=\"What is the Definition of a Structured Annuity?\">What is the Definition of a Structured Annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#How_Does_a_Structured_Annuity_Work\" title=\"How Does a Structured Annuity Work?\">How Does a Structured Annuity Work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#Who_Benefits_from_a_Structured_Annuity\" title=\"Who Benefits from a Structured Annuity?\">Who Benefits from a Structured Annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#What_Are_the_Advantages_of_a_Structured_Annuity\" title=\"What Are the Advantages of a Structured Annuity?\">What Are the Advantages of a Structured Annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#Are_There_Any_Disadvantages_to_Consider\" title=\"Are There Any Disadvantages to Consider?\">Are There Any Disadvantages to Consider?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#Can_I_Sell_My_Structured_Annuity\" title=\"Can I Sell My Structured Annuity?\">Can I Sell My Structured Annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#What_Fees_Can_I_Expect_with_a_Structured_Annuity\" title=\"What Fees Can I Expect with a Structured Annuity?\">What Fees Can I Expect with a Structured Annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#Can_I_Include_a_Death_Benefit_in_My_Structured_Annuity\" title=\"Can I Include a Death Benefit in My Structured Annuity?\">Can I Include a Death Benefit in My Structured Annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#Can_I_Change_the_Payment_Schedule_of_My_Structured_Annuity\" title=\"Can I Change the Payment Schedule of My Structured Annuity?\">Can I Change the Payment Schedule of My Structured Annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#What_Happens_if_the_Insurance_Company_Goes_Bankrupt\" title=\"What Happens if the Insurance Company Goes Bankrupt?\">What Happens if the Insurance Company Goes Bankrupt?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#What_Is_the_Difference_Between_a_Structured_Settlement_and_a_Structured_Annuity\" title=\"What Is the Difference Between a Structured Settlement and a Structured Annuity?\">What Is the Difference Between a Structured Settlement and a Structured Annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#What_Are_Alternative_Options_to_Structured_Annuities\" title=\"What Are Alternative Options to Structured Annuities?\">What Are Alternative Options to Structured Annuities?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Structured_Annuity\"><\/span>What is a Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Annuities are financial products designed to provide a steady stream of income during retirement. They are typically offered by insurance companies and are popular among those seeking a reliable source of income in their later years. One type of annuity is a structured annuity, which offers individuals a way to receive payments over a predetermined period of time. Let&#8217;s delve into what a structured annuity is and how it works.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_Definition_of_a_Structured_Annuity\"><\/span>What is the Definition of a Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A structured annuity is a financial product that provides periodic payments for a fixed duration. It is often used to manage personal injury settlements, lottery winnings, or other substantial sums of money. Unlike traditional annuities, where payments are distributed monthly or annually, structured annuities provide a more tailored approach, allowing individuals to receive funds according to their specific needs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Does_a_Structured_Annuity_Work\"><\/span>How Does a Structured Annuity Work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When an individual purchases a structured annuity, they enter into an agreement with an insurance company. The agreement outlines the payment schedule, including the frequency and duration of payments. The insurer invests the lump sum received from the individual, usually in low-risk assets like government bonds or corporate debt. The return on these investments funds the payments that are made to the annuitant over the agreed-upon schedule.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Who_Benefits_from_a_Structured_Annuity\"><\/span>Who Benefits from a Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Structured annuities can benefit various individuals in different circumstances. Those who receive substantial sums of money, such as recipients of personal injury settlements, lottery winners, or individuals who sell a valuable asset, can benefit from a structured annuity. It offers them a way to receive regular income over a predetermined period, preventing them from quickly exhausting the funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Are_the_Advantages_of_a_Structured_Annuity\"><\/span>What Are the Advantages of a Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Structured annuities come with several advantages. They provide a steady and predictable stream of income, ensuring financial stability over an extended period. The payments can be easily tailored to match an individual&#8217;s needs, whether it is supplementing retirement income, settling medical bills, or covering daily living expenses. Additionally, structured annuities offer tax advantages, as the growth on the invested principal is typically tax-deferred.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_There_Any_Disadvantages_to_Consider\"><\/span>Are There Any Disadvantages to Consider?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While structured annuities offer stability and flexibility, there are potential downsides to consider. One major drawback is the lack of liquidity. Once an individual enters into a structured annuity agreement, they are committed to receiving payments over the agreed-upon term. It might limit their ability to access funds for unexpected expenses or investment opportunities. Furthermore, the returns on structured annuities are often lower compared to riskier investments, such as stocks, which could potentially limit the growth of the invested principal.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_Sell_My_Structured_Annuity\"><\/span>Can I Sell My Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, selling a structured annuity is possible. Individuals who find themselves in need of a lump sum of money can choose to sell their future payments to a third-party buyer. This can be done through a process called annuity selling or a structured settlement sale. It&#8217;s essential to carefully consider the decision to sell, as it may involve sacrificing some of the future payments for immediate cash.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Fees_Can_I_Expect_with_a_Structured_Annuity\"><\/span>What Fees Can I Expect with a Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fees associated with structured annuities vary depending on the insurance company and the specific terms of the agreement. Common fees include contract fees, administrative fees, and underlying investment fees. It is crucial to carefully review the contract and consult with a financial advisor to fully understand the fees you may be charged.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_Include_a_Death_Benefit_in_My_Structured_Annuity\"><\/span>Can I Include a Death Benefit in My Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, many structured annuities offer death benefits. A death benefit will ensure that if the annuitant passes away before the completion of the payment schedule, the remaining payments will be made to a designated beneficiary or estate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_Change_the_Payment_Schedule_of_My_Structured_Annuity\"><\/span>Can I Change the Payment Schedule of My Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In most cases, the payment schedule for a structured annuity cannot be changed once the agreement is established. However, it is essential to review the specific terms and conditions of the annuity contract, as some may allow for limited flexibility or modification under certain circumstances.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Happens_if_the_Insurance_Company_Goes_Bankrupt\"><\/span>What Happens if the Insurance Company Goes Bankrupt?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In the event that the insurance company responsible for your structured annuity faces bankruptcy, your payments may be at risk. However, most jurisdictions have measures in place to protect annuity holders, such as guaranty associations or schemes, which provide coverage for certain amounts of the annuity payments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Is_the_Difference_Between_a_Structured_Settlement_and_a_Structured_Annuity\"><\/span>What Is the Difference Between a Structured Settlement and a Structured Annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While both structured settlements and structured annuities involve receiving payments over time, they differ in their origins. A structured settlement is typically the result of a legal claim or lawsuit, where a party agrees to settle by receiving periodic payments. On the other hand, a structured annuity is a financial product that individuals can purchase using their own funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_Are_Alternative_Options_to_Structured_Annuities\"><\/span>What Are Alternative Options to Structured Annuities?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If a structured annuity doesn&#8217;t align with your financial goals or circumstances, there are alternative options worth considering. These may include traditional fixed or variable annuities, which offer more flexibility in terms of payment schedules and investment options. Other alternatives include investing in stocks, bonds, or real estate, depending on your risk tolerance and long-term financial plans.<\/p>\n<p>In conclusion, a structured annuity provides individuals with a personalized and predictable stream of income over a fixed period. While it offers stability, flexibility, and tax advantages, it also comes with limitations on liquidity and potential lower returns. Understanding the features, benefits, and considerations associated with structured annuities is key to making informed financial decisions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a Structured Annuity? Annuities are financial products designed to provide a steady stream of income during retirement. They are typically offered by insurance companies and are popular among those seeking a reliable source of income in their later years. One type of annuity is a structured annuity, which offers individuals a way to &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is a structured annuity?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-structured-annuity\/#more-188585\">Read more<span class=\"screen-reader-text\">What is a structured annuity?<\/span><\/a><\/p>\n","protected":false},"author":48,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-188585","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a structured annuity?<\/title>\n<meta name=\"description\" content=\"What is a Structured Annuity? 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Annuities are financial products designed to provide a steady stream of income during retirement. 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