7 Best Structured Settlement Annuity Companies in 2025
Structured settlement annuities provide guaranteed long-term payments after personal injury lawsuits, worker’s compensation claims, or wrongful death cases. Choosing the right insurance company is extremely important because your future income depends on the financial strength and credibility of the provider.
Below is a detailed review of the best structured settlement annuity companies in 2025 — based on ratings, experience, customer support, payment stability, and market reputation.
1️⃣ New York Life Insurance Company
Financial Ratings: A++ (AM Best)
Founded: 1845
New York Life is one of the most trusted companies for structured settlement annuities. They offer highly reliable guaranteed payment plans for individuals who need a stable income for years or even decades.
✅ Strongest financial guarantees
✅ Top choice for lifetime structured income
⚠ Limited customization options for some plans
2️⃣ Pacific Life
Financial Ratings: A+
Founded: 1868
Pacific Life specializes in settlement protection and has strong experience with personal injury and wrongful death annuities.
✅ Competitive long-term payment rates
✅ Great for medical-cost coverage
⚠ Availability varies by U.S. state
3️⃣ Prudential Insurance Company of America
Financial Ratings: A+
Founded: 1875
Prudential offers flexible structured settlement options with both fixed and growth-based payment plans.
✅ Payments can include cost-of-living increases
✅ Ideal for long medical recovery periods
⚠ Approval process can be slower
4️⃣ MetLife (Metropolitan Life Insurance)
Financial Ratings: A+
Founded: 1868
MetLife is known for transparent and predictable structured settlement payments.
✅ Great reputation for customer service
✅ Strong policy protection
⚠ Limited digital self-service tools
5️⃣ Berkshire Hathaway (Guard Insurance Group)
Financial Ratings: A++
Owned by: Warren Buffett
This company has excellent credit strength and is trusted for high-value settlements.
✅ Best for large personal-injury settlements
✅ Highly stable long-term reliability
⚠ Not as widely accessible as other providers
6️⃣ American General Life (AIG)
Financial Ratings: A
Founded: 1919
AIG has well-known financial products and structured settlement flexibility.
✅ Good for staggered or deferred payments
✅ Multiple plan design options
⚠ Customer service varies by state
7️⃣ Mutual of Omaha
Financial Ratings: A+
Founded: 1909
A reliable settlement annuity provider especially for worker’s compensation cases.
✅ Fast claim processing
✅ Strong support for injury victims
⚠ Plans may lack advanced growth features
✅ How to Choose the Right Structured Settlement Company
Before selecting a provider, check:
✔ Financial Stability — high AM Best ratings (A–A++)
✔ Customization — COLA increases, lifetime vs term payments
✔ Case Experience — personal injury, medical malpractice, etc.
✔ Tax-Free Status — ensure compliance with U.S. laws
✔ State Laws — different rules apply per jurisdiction
A structured settlement annuity should protect your long-term financial future — so choose wisely.
✅ Benefits of Structured Settlement Annuities
| Benefit | Why It Matters |
|---|---|
| Guaranteed Income | Monthly stability & lifetime protection |
| Tax Advantages | Most payments are tax-free |
| Zero Market Risk | Not affected by stock losses |
| Custom Payment Plans | Medical care & living expense coverage |
Structured settlements = financial peace of mind ✅
✅ Final Thoughts
The best structured settlement annuity companies combine strong financial ratings, proven track records, and flexible payment options. New York Life, Pacific Life, and Prudential remain leaders in 2025 — but the right choice depends on your settlement amount, age, payment schedule, and long-term needs.
Always work with a licensed structured settlement consultant or attorney before finalizing your decision.
✅ FAQs About Structured Settlement Annuities
Q1: Are structured settlement annuities safe?
Yes — they are backed by top-rated insurance companies with guaranteed payments.
Q2: Are payments tax-free?
In most personal injury cases yes, under U.S. tax law (IRC §104).
Q3: Can I sell my settlement later?
Yes, but a court must approve the sale — and you may get less money.
Q4: How long do payments last?
You can choose lifetime or fixed-term payment structures.