Claimant & Annuitant Center
Turn your settlement into a guaranteed stream of income with a structured settlement annuity that protects you from market volatility and economic uncertainty.
For Claimants
Are you a claimant in a lawsuit where you are negotiating a settlement? If so, learn more about the benefits of MetLife’s Structured Settlement Annuities.
Is a Structured Settlement For You?
For Annuitants
Are you already a recipient of a MetLife Structured Settlement Annuity? If so, log into MyBenefits to manage your account.
MetLife Structured Settlement Annuitants
What Is a Structured Settlement?
A structured settlement is an agreement between a claimant and a defendant where the claimant can receive a settlement in the form of a stream of periodic payments.
A Qualified Assignment (QA) settlement is designated for personal physical injury, physical illness or workers’ compensation claims and disputes. A Non-Qualified Assignment (NQA) is designated for cases that fall outside of personal physical injury claims like employment litigation and contract disputes.
Is A Structured Settlement For You?
If you are looking to keep more of your settlement and are seeking a solution that turns your settlement into a guaranteed stream of income, protected from market volatility – then a structured settlement may be for you.
Benefits of a Structured Settlement
Tax- Advantaged Income
For a physical injury or wrongful death case, the settlements paid are tax-free; whereas, for non-physical injury cases, the settlement proceeds are not tax-free. A structured settlement allows claimants of taxable settlement cases (non-physical injuries) to receive periodic payments, thereby spreading or deferring their income tax obligations over time. A structured settlement offers tax advantages for both physical and non-physical injury cases.
Predictable Income Stream
Structured settlements provide a steady stream of income over a specified period, offering financial security while protecting a settlement from being depleted too quickly. The payment schedule can be customized to meet the individual's needs, allowing for future expenses and cost-of-living adjustments.
Flexible Payment Options
When setting up a structured settlement, claimants have a one-time opportunity to choose their payment options. They can opt to receive some of the settlement up front and put the rest of the settlement into a structured settlement annuity for a stream of payments.
Payments to the Beneficiary
If an annuitant passes, certain annuity contracts will allow for beneficiaries to receive any remaining guaranteed payments, using the same tax treatment. If a claimant accepts their settlement in a lump sum, however, there is no guarantee that there will be money available for their loved ones if they predecease their family members.
Case Examples:
Comparing Insurance Companies
It is important to carefully evaluate the insurance company that would be guaranteeing your structured settlement and find the one that best meets your needs. You want to make sure the insurance company is financially stable and has a long history in managing structured settlement payments.
Why MetLife
Deciding on your structured settlement provider can be a complex process. You want an experienced company that 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.
Over 40 Consecutive Years of Experience
Through our industry relationships, $29 billion in structured settlements have been placed with us and we make guaranteed periodic payments to over 107,000 annuitants.3
Highly-Rated
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.2
Customer Service
We provide exceptional service before and after the annuity contract is issued. MetLife’s Retirement and Income Solutions has been recognized by J.D. Power by providing "An Outstanding Customer Service Experience" for phone support.1
Find a Broker
This is an informational website. We encourage you to contact one of our experienced, licensed and appointed Structured Settlements Specialty brokers to learn more about your options.
For Claimants:
Structured Settlements Brokers
Visit National Structured Settlements Trade Association (NSSTA) to connect with a broker in your area.
MetLife Structured Settlement Annuitants
If you are already a recipient of a MetLife Structured Settlement annuity, make sure you register online today to access and manage your annuity.
