Deal Terms
Everything You Need to Review
Issuing Carrier
MetLife Insurance Company
Carrier Rating
A+ (AM Best)
Payment Structure
2 lump-sum payments
Cash Flow Detail
$35,000.00 on Nov 17, 2034 and $43,931.65 on Nov 17, 2037
First Payment
November 17, 2034
Last Payment
November 17, 2037
Investment Amount
$42,663
Effective Yield
6.30%
Total Guaranteed Return
$78,932
Status
Ready to Fund
Payment Schedule Preview
How the Cash Flow Plays Out
NOV 2034
$35,000
NOV 2037
$43,932
Why This Investment Works
Fixed rate locked for life of the deal
Backed by a highly-rated carrier
Court-approved, irrevocable assignment
Fully customizable in partial increments
No 1099 issued — investor self-reports income
Tax-deferred payment stream
Frequently Asked
Common Questions Before Reserving
What exactly am I buying?
You are acquiring the right to receive a specific stream of future structured settlement payments — payments originally awarded as part of a legal settlement, now being reassigned to you under a court-ordered transfer. You are not buying an annuity contract. The underlying obligation remains with the issuing carrier (MetLife Insurance Company), who has been making these payments under their existing annuity for years.
How is the rate guaranteed?
Once funded, the payment schedule and amount are fixed and irrevocable. The court order assigns the payment rights to you, and the carrier sends payments directly to you (or your designated account) on the dates listed above. There is no reinvestment risk — your effective yield of 6.30% is locked for the entire term.
What is the court approval process?
Every transfer must be approved by a state court under the applicable Structured Settlement Protection Act. A judge reviews the transaction to confirm it serves the best interests of the original payee. Once approved, the order assigns the future payments to you. MJ Settlements handles the legal mechanics — by the time you see a deal listed as "Ready to Fund," the court approval is in place or imminent.
How are taxes handled?
No 1099 is issued. The investor self-reports income as appropriate for their tax situation. Because these are reassigned structured settlement payments (not annuity income to you), tax treatment can differ from a traditional annuity. We strongly recommend you review the deal with your CPA or tax advisor before funding.
Can I buy a portion of this deal?
Yes. This deal can be customized in partial increments — you can take a percentage of the total cash flow rather than the whole stream. Call Todd directly at (888) 363-5252 to discuss a custom partial that fits your investment amount.
What happens after I reserve?
Once you reserve, Todd will send you the full deal documentation package — court order, benefits letter, payment schedule, and funding instructions. You'll review with your attorney or CPA if you choose, sign the assignment documents, and wire funds to the escrow account. Payments then flow directly to you on the scheduled dates.