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

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Qualified Assignments

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Non-Qualified Assignments

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Periodic Payment Agreements

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Structured Installment Sale

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Buy & Hold

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Mass Torts

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Funding Agreements

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Turn a claimant’s settlement into a stream of guaranteed periodic payments for personal, physical injury, physical illness, or workers' compensation claims and disputes.

Benefits include:

  • Tax-free income
  • Customized payment streams
  • Guaranteed payments for life1
  • Payments to the beneficiary 

A tax-advantaged solution providing guaranteed periodic payments for cases that fall outside of personal physical injury claims and litigation.

Benefits include:

  • Guaranteed payments for life1
  • Manage taxable income with periodic payments2
  • Leverage lower tax brackets by spreading tax liability2
  • A financial planning opportunity as a source of reliable income

Intended for claims that are not eligible for a qualified assignment, pursuant to IRC Section 130 which include: 

  • Pre-1997 workers' compensation 
  • Workers' compensation cases where the carrier must remain contingently liable
  • Individual disability 
  • Wrongful incarceration claims that do not involve physical injury


The Structured Installment Sale is an annuity that allows you to defer potentially large capital gains tax and receive guaranteed installment payments over time.

Advantages include:

  • Deferral of capital gain taxation
  • Conversion of asset into a guaranteed income stream, immune to market volatility and performance
  • Payments guaranteed by a financially sound and trusted company1

For use with personal physical injury, physical illness or workers' compensation claims where the defendant, insurer, or employer purchases and owns the annuity.

MetLife can work with you to develop innovative solutions for the most complex litigation settlements.

Our experience in mass torts includes:

  • Major industrial accidents
  • Product liability
  • Wrongful death actions

A funding vehicle for business to business transactions that provides predictable fixed future payments:

  • Simplicity
  • Attractive returns
  • Preservation of principal
  • Customized distributions

Why Choose MetLife?

About Structured Settlements

Learn how to put them to work for you.

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

2 Any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation. MetLife, its agents and representatives may not give legal, tax or accounting advice and this document should not be construed as such. You should confer with your qualified legal, tax and accounting advisors as appropriate.

3  For current ratings information and a more complete analysis of the financial strength of MetLife, please go to and click on “About Us” and then click on “Company Ratings”.