Secondary Market Structured Settlements Buyer’s Guide

 What is a Secondary Market Structured Settlement?
A Secondary Market Structured Settlement is a transferred structured settlement in which
you, the buyer, receive the rights to a fixed annuity payment in exchange for a lump sum
payment to an individual who is the original existing annuitant. By purchasing an
individual’s right to receive payments, you receive high yield returns while the existing
annuitant enjoys the benefits of having cash now.
 What are the benefits of purchasing a Secondary Market Structured
Settlement?
A Secondary Market Structured Settlement can provide above average returns for the
fixed income portion of a balanced portfolio. Since they guarantee you a payment stream
over a fixed period of time and at a fixed rate of return, this investment is generally
considered to be a good vehicle for “safe money” savings. The majority of Secondary
Market Structured Settlements are issued by insurance companies with among the
highest Standard & Poor’s credit ratings, making them one of the safest forms of fixed
term purchases available today.
 Where do these Secondary Market Structured Settlements originate?
Individuals involved in legal claims for personal injury often accept a  Structured
Settlement in which they receive regular, fixed payments over a set period of years
and/or lump sums at stipulated times from an annuity. As circumstances change, these
individuals, called existing annuitants, sometimes need to convert a portion of their
guaranteed income into cash now to meet personal needs or to settle an estate. They
decide to assign their rights to their future annuity payments at a discount to a factoring
company.
MJ Financial Partners, in turn, offers the payment rights to these annuities, called
Secondary Market Structured Settlements, to buyers like you. Typically, the Secondary
Market Structured Settlement payments are made regardless of whether or not the
existing annuitant or the buyer is alive, meaning these payments are not contingent on
any individual’s life.
 Who makes the payments to me?
Secondary Market Structured Settlement payments are paid directly to you by a U.S.
based insurance company with a credit rating that is generally AAA to A rated by
Standard & Poor’s.
 What is the typical Secondary Market Structured Settlement term and
purchase amount?
The purchase price of a Secondary Market Structured Settlement can range from as low
as $15,000 to as high as the millions. Terms can range from 1 to 35 years but typically
are 5 to 20 years.