May 6, 2010

structured settlement investment and money

Investments

What company do you currently trust to help you financially should something unexpected occur in your life?

What would happen if you had a house fire and lost everything? Or suffered a car wreck that led to extensive injuries which required costly medical treatment? You would turn to those insurance companies that you have selected, because you trust that they will be able to meet the promises that they make to you financially.

What if you could invest in those companies' products that provide the same level of trust for much higher that traditional market rates on investments that have comparably low risks?

Investing in Structured Settlement Annuities

Structured Settlement Annuities offer a simple and affordable way for buyers to meet financial goals, such as saving for retirement, a child's education, or simply improving overall returns on a balanced investment portfolio.

Structured Settlement Annuities are sold by structured settlement annuitants to Platinum Financial Strategies at a discount in exchange for a lump sum payment. Platinum Financial Strategies offers these annuities for resale.

Who makes the payments?
Structured Settlement Annuity payments are made directly to the buyer by a U.S. based Insurance Company with a credit rating that is generally AAA to A rated by Standard and Poor's.

How is the Interest Rate determined?
The interest rate for each Structured Settlement Annuity is determined by market conditions and is represented as an "effective rate" that is compounded annually based on a 365-day year.

Why are Structured Settlement Annuity rates of return higher than other fixed income products?
The rate of return on a Structured Settlement Annuity is higher than rates available for comparable fixed income products for several reasons:
  • A Structured Settlement Annuity has been "previously owned." The payment term and payment amounts are pre-determined.
  • There is no "over the counter" market for Structured Settlement Annuities. Structured Settlement Annuities must be transacted through a court process that takes time and expertise.
  • Structured Settlement Annuities tend to be purchased by sophisticated Buyers comfortable with a more complex transaction.
With Platinum Financial Strategies, Buyers benefit from a high rate of return with the confidence of knowing that the transaction is completed to exacting standards.

Why do you need Platinum Financial Strategies to facilitate the purchase of a Structured Settlement Annuity?
Payment rights to Structured Settlement Annuities are transferred from the original structured settlement annuitant to the Buyer pursuant to State law. The purchase and sale of each payment stream must be approved by a court which issues an order redirecting payments to the Buyer.

Platinum Financial Strategies has expertise in legally transferring payment rights. We obtain a court order in the Buyer's name at no additional cost to the Buyer. All of the court costs, transfer fees, lien search fees and legal costs are paid by Platinum Financial Strategies.

Platinum Financial Strategies has a number of channels, including an extensive broker network, through which structured settlement annuities are acquired. Platinum Financial Strategies ' experience and due diligence practices insure the investment quality of the annuities offered for sale.

Exclusivity
Structured Settlement Annuities are not widely known to the general public nor are they generally accessible. As such, they provide a limited opportunity to sophisticated investors to invest in safe, fixed return annuities at superior rates of interest.

What is the Term and Investment Amount of a typical Structured Settlement Annuity?
Structured Settlement Annuities can range from 1 to 35 year terms, but are typically 5 to 20 years. The investment amount (present value) of a Structured Settlement Annuity typically ranges between $50,000 and $150,000 but can be higher or lower.

Legal Structure of Structured Settlement Annuities
When a Structured Settlement Annuity is acquired from an existing annuitant, the payment rights are transferred to the Buyer by a court order stipulating the Buyer's name. The court order is obtained pursuant to a State sanctioned transfer statute available in 46 U.S. States. The court order will direct the insurance company that issued the Structured Settlement Annuity to pay the Buyer all of the annuity payments as and when they are due. Payment by check is then mailed to an address designated by the Buyer or by direct deposit into the Buyer's bank account.

Benefits of Investing in Structured Settlement Annuities
A Structured Settlement Annuity is a good vehicle for conservative investors. Platinum Financial Strategies only offers annuities paid by insurance companies with high Standard and Poor's credit ratings. These insurance companies invest the underlying funds used to pay the annuities primarily in government securities and high-grade corporate bonds. This makes Structured Settlement Annuities one of the safest forms of fixed term investments available today.

Structured Settlement Annuities can also provide above average returns for the fixed income portion of a balanced investment portfolio boosting overall portfolio performance. 
 
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