Robert P. Caples, Ringler Advisor

𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴 𝗣𝗲𝗮𝗰𝗲 𝗼𝗳 𝗠𝗶𝗻𝗱
When it comes to personal injury settlements, certainty simplifies life. A recent MetLife study of 503 adults receiving personal-injury settlements found that 96% of those who chose a structured settlement over a lump-sum payment reported that their recurring payments make day-to-day budgeting easier. That's budget peace of mind! Check out all the findings of the study here: https://bit.ly/3KzimYP

After Raj was killed in a bizarre car crash, the accident was wrongly ruled a su***de. The insurance company cut off benefits for Riya and the couple's three children. Refusing to accept that conclusion, Riya and her attorney proved that the crash was caused by mechanical failure.

The case led to a structured settlement for Riya, providing long-term stability and tax-free monthly income for her and her children. https://bit.ly/46f8xa9

𝔸𝕣𝕖 𝕀𝕟𝕥𝕖𝕣𝕖𝕤𝕥 ℝ𝕒𝕥𝕖𝕤 𝕊𝕥𝕚𝕝𝕝 𝔾𝕠𝕠𝕕? 𝕐𝕖𝕤! 𝔸𝕟𝕕 ℍ𝕖𝕣𝕖'𝕤 𝕎𝕙𝕪:

Short-term rates may fluctuate, but mid- and long-term yields remain strong by historical standards. Add tax-free payments and zero ongoing management costs, and structured settlement rates are still delivering real value for injured people. https://bit.ly/3LMxW4f

Lifetime structures don't have a fixed end date. Expected benefits simply reflect payments through life expectancy. If you live longer, the payments continue. With guarantee periods in place, payouts are never less than the guaranteed amount—only potentially much more. https://bit.ly/3LMxV0b

𝗜𝗺𝗽𝗿𝗼𝘃𝗲𝗱 𝗦𝘁𝗮𝗻𝗱𝗮𝗿𝗱 𝗼𝗳 𝗟𝗶𝘃𝗶𝗻𝗴

Structured settlements aren't just about security—they can actively improve quality of life. Nearly 8 in 10 of those accepting a structured settlement (79%) said in a recent MetLife survey that their standard of living is better since the payments began, with 30% saying it is much better. Slow and steady truly delivers. https://bit.ly/3KzimYP

𝚆𝚑𝚘 𝙰𝚌𝚝𝚞𝚊𝚕𝚕𝚢 𝚆𝚛𝚒𝚝𝚎𝚜 𝚂𝚝𝚛𝚞𝚌𝚝𝚞𝚛𝚎𝚍 𝙰𝚗𝚗𝚞𝚒𝚝𝚒𝚎𝚜?

Structured settlement annuities aren’t retail products. They’re issued by highly rated life insurance companies with long-term obligations in mind. Financial strength and credit ratings are what matter most. https://bit.ly/49JVr76

Many people assume lifetime payments from a structured settlement end at death. Not necessarily! Period-certain guarantees are commonly added, ensuring payments continue to heirs even if the recipient passes away earlier than expected. Structured settlements can protect both the injured party and their family. https://bit.ly/4rebfoq

𝗟𝘂𝗺𝗽-𝗦𝘂𝗺 𝗥𝗲𝗴𝗿𝗲𝘁

Settlement recipients who took their payouts entirely in cash often experience spending regret, according to a recent MetLife study of 503 adults who received personal-injury settlements. Nearly half of all cash-only claimants (49%) later regretted at least one major purchase made during the first year. In other words, "fast and fragile" spending often leads to emotional baggage. https://bit.ly/3KzimYP

One of the most common questions we hear: How are structured settlement consultants compensated? The answer: the injured party pays nothing. The annuity issuer pays a one-time commission built into the pricing, which doesn’t reduce the client’s recovery. Professional guidance at no out-of-pocket cost. https://bit.ly/4sZxGzl

We asked Ringler consultants nationwide one simple question: What do people REALLY want to know about structured settlements? Here are six of the most common questions – and answers – from lawyers, claims professionals, and injured people. https://bit.ly/4pW7xPj

A structured settlement is intended to bring clarity and stability during one of life’s most challenging moments. It’s natural for families to ask what happens to the ongoing payments if the claimant passes away. The answer depends entirely on how the settlement was designed at the time of resolution. https://bit.ly/48GTerk