Structured Settlements

Five Questions to Ask About an Insurance Company

5 Minutes
Dec 06, 2023

About to structure your settlement? Here are five questions to ask about the insurance company that will guarantee your settlement.

A structured settlement annuity provides you with guaranteed payments over a designated period—for several years and even through your lifetime.1
That’s why it’s important to carefully evaluate the insurance company guaranteeing your structured settlement and find the best option for you.1 Use the questions below to help guide you during the decision-making process.

1. How long has the insurance company been active in the structured
settlement market?

Long-term financial products like a structured settlement annuity should come from long-term providers that have a diverse mix of business. Look for insurance companies who have been consistently offering structured settlements for many years and have industry expertise.

2. What are the insurance company’s credit ratings?

Ask for the insurance company’s credit ratings or look for them on the company website. Credit ratings are strong indicators of an insurance company’s financial stability and their ability to provide you with guaranteed future payments.1

Credit ratings are shown as a letter or series of letters, such as Aa3 or B. There are four major insurance company rating agencies: A.M. Best, Moody’s, Standard & Poor’s, and Fitch. Because each agency has its own rating scale, the same insurance company could receive different ratings from the various agencies. Please visit the rating companies’ websites for definitions of their rating scales.

3. What is the size and strength of the insurance company?

Ask for the insurance company’s Financial Quality statement or look it up on their website. You can assess the insurance company’s total assets versus their total liabilities. Total capital, often defined as capital plus surplus, is another key metric. Both assets vs. liabilities and total capital are important indicators of an insurance company’s financial strength.

4. What is the insurance company’s general account investment portfolio composed of?

The insurance company’s guarantee is only as good as their financial quality and strength.Ask for information about how the company is investing their assets to ensure that they can meet the long-term guarantees that structured settlements provide.1 Find out how much of their general account portfolio is invested in bonds and the respective bond quality.

5. What kind of support will you receive from the insurance company after
the structured settlement has been issued?

Be sure to ask about the insurance company’s digital tools to see if you can access your account online. Also, ask about their customer support after the structured settlement has been issued so that you know who to contact in case you have questions. Structuring your settlement is an important decision that can affect your financial future. Ask the questions above and evaluate the information that you receive to determine the best option for you. Your attorney might be able to help you find a structured settlements specialist or you can find more information from the National Structured Settlements Trade Association at

Our Advantage

MetLife’s Retirement Income Solutions division, the company’s institutionalretirement business, issues products through Metropolitan Life Insurance Company(MLIC) and Metropolitan Tower Life Insurance Company (MTL), two wholly ownedsubsidiaries of MetLife, Inc. Retirement & Income Solutions issues products for transferred pension liabilities, stable value, institutional income annuities, benefits funding and structured settlements.

Evaluating and choosing a structured settlement provider is not an easy choice. You want to choose an experienced company who you can count on to make your payments. As a structured settlements provider, we are a financially strong company with diverse lines of business and we provide best-in-class service to our customers before and after the annuity purchase. Here’s why we are a top choice:

1. How long has our company been active in the structured settlement market?

The structured settlements team has over 40 consistent years of experience in the structured settlement industry. While other life companies have entered and exited the market, we have remained committed to the success of our industry. Through our industry relationships, $27 billion in structured settlements have been placed with us and we make guaranteed periodic payments to over 107,000 claimants.2

2. What are our company’s credit ratings?
Metropolitan Tower Life Insurance Company’s financial strength and claims-paying ability is currently rated “Superior,” “High Quality” or “Very Strong” by the major rating agencies.3

MetLife Credit Rating Chart

3. What is the size and strength of our company?

On a statutory accounting basis, Met Tower Life has approximately $54.1 billion in total admitted assets (including separate accounts and approximately $6.2 billion pledged as collateral for any loan or guaranty or which are otherwise not readily available to pay losses and claims or are not held to protect its policyholders or creditors) and approximately $52.1 billion in liabilities (as of June 30, 2023).4

Met Tower Life’s size (as of June 30, 2023) 

Met Tower Size Chart
*Total capital is comprised of “capital & surplus” and “asset valuation reserve (AVR).”

4. What is our general account investment portfolio composed of?

General Account Investment Portfolio

General Account Investment Portfolio Chart
*Includes derivatives, receivables for securities, aggregate write-ins for invested assets and other invested assets. Note: Categories may not total 100% due to rounding.

Bond Quality

Bond Quality Chart
Note: Categories may not total 100% due to rounding.

5. What kind of support will you receive from us after the structured settlement has been issued?

We provide superior service before and after the structured settlement is issued. You can
access your account online through MyBenefits, our annuitant portal which allows you to check payment status and benefits amounts, update your address and more. If you have questions about your annuity, you can contact our award-winning Customer Solutions Center, which has been recognized by J.D. Power for “An Outstanding Customer Service Experience.”6

With a team of knowledgeable experts, we have been a long-standing provider of structured settlement solutions for many years. Not only can you be confident in our expertise and support, but you can also rest assured that we will continue to make your payments for years to come.1

Download This Slipsheet

Structured Settlements

Our experts will work with you to build innovative, tax-advantaged solutions that meet you or your client’s unique needs.

1. All guarantees are subject to the financial strength and claims-paying ability of Metropolitan Tower Life Insurance Company.

2. As of January 24, 2024.

3. Metropolitan Tower Life Insurance Company has obtained financial strength ratings from various rating agencies. Insurer financial strength ratings represent the opinions of rating agencies regarding the ability of an insurance company to pay obligations under insurance policies and contracts inaccordance with their terms, and are not evaluations directed toward the protection of investors in MetLife, Inc.’s securities. Each rating should be evaluated independently of any other rating. For current ratings information and a more complete analysis of the financial strength of Metropolitan Tower Life Insurance Company, please go to and click on “About Us,” “Corporate Profile,” “Ratings.” Ratings are as of February 8,2024. Outlook is stable unless otherwise indicated.

4. As of June 30, 2023. Source: Met Tower Life Financial Quality

5. Includes exempt obligations.

6. J.D. Power 2023 Certified Customer Service ProgramSM recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit