Income by amount

What a $100,000 annuity pays — and what $100,000 buys here

A newly issued annuity turns $100,000 into income at a rate set by the insurer. The secondary market answers the same question with specifics: real payment streams near $100,000, each with a fixed schedule, a named carrier, and an estimated yield you can see before you decide.

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The honest frame

Two ways to turn $100,000 into income

With a newly issued immediate annuity, an insurer quotes a monthly payout for your age and rates at the time you buy — part interest, part return of your own principal. Illustrative only: payout quotes move with rates and your profile, which is why no honest page can print one number for everyone.

A secondary market annuity inverts the exercise. The schedule already exists — fixed dates, fixed amounts, an insurance carrier already obligated to pay — and you buy the right to receive it at a discount. The estimated yield is stated up front, and on current inventory runs roughly 4–7 percent. The trade-off is limited liquidity: these are long-term holdings.

Live inventory

What $100,000 buys right now

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For example: $106,984.36 currently buys the right to collect $503,475.80 in scheduled payments from NY Life — an estimated yield of 4.50%. This section updates as inventory changes.

GuaranteedNo. FJ011628

NY Life

4.50%estimated yield

Purchase price: $106,984.36
Total scheduled: $503,475.80
Payment window: Mar 2043 – Feb 2063

Account pricingTerms →

GuaranteedNo. RL016074

American General

5.75%estimated yield

Purchase price: $85,687.52
Total scheduled: $104,715.79
Payment window: Sep 2026 – Sep 2033

Account pricingTerms →

GuaranteedNo. TR002562

John Hancock

5.70%estimated yield

Purchase price: $80,821.83
Total scheduled: $118,000.00
Payment window: Jun 2033 – Jun 2033

Account pricingTerms →

Also see: $50,000 · $250,000 · $500,000

$100,000 annuity questions

How much does a $100,000 annuity pay per month?

For a newly issued immediate annuity, the payout depends on your age, the insurer, and rates at purchase — as a rough, illustrative frame, insurers quote payout rates in the mid single digits for typical retirement ages, and an exact figure requires a quote for your profile. On the secondary market, the answer is concrete: each listed payment stream shows the exact schedule $100,000-range money buys, with the estimated yield stated on the listing.

What does $100,000 buy on the secondary market?

It buys the right to receive a specific schedule of future payments, transferred through a court-approved process, at a discount — at estimated yields of roughly 4 to 7 percent on current inventory. The live listings on this page show real examples near $100,000; each one names the issuing insurance carrier, the full schedule, and the estimated yield.

Is there a minimum investment?

There is no fixed account minimum — each payment stream is priced as a whole, so the practical minimum is the purchase price of the smallest current listing. Inventory changes as deals are placed; join the email list to see new streams as they arrive.

What these assets are, and what they are not

Guaranteed and life-contingent structured settlement payment rights, and lottery payment rights, represent the right to receive factored payments that Pacific Structured Assets purchases and assigns to investors through a court-approved process. They are purchased at a discount to their total scheduled payments.

These payment rights are NOT annuities, NOT insurance products, and NOT securities registered with the U.S. Securities and Exchange Commission. They are not bank deposits, are not FDIC-insured, and are not protected by any state insurance guaranty association. The industry term “secondary market annuity” refers to these payment rights and does not mean you are purchasing an insurance annuity contract.

You acquire the right to receive the payments, not the underlying annuity. The annuity itself does not change hands. Unlike the original structured settlement annuity, which may be shielded from creditors under applicable law, the assigned payment rights you purchase generally do not carry that creditor or bankruptcy protection.

Assigned annuities, offered as a separate product line, are existing insurance annuity contracts reassigned to a new owner through a change of ownership or an irrevocable change of payee.

These are long-term holdings with limited liquidity, and may not be suitable for every investor. There is no public trading market and no daily price. Resale or reassignment of a payment stream to another buyer may be possible, and Pacific Structured Assets can assist, but a resale is not guaranteed and the price it would bring is not guaranteed. Because the payments are fixed, that resale value moves with prevailing interest rates: an investor could realize a gain if rates have fallen since purchase, or a loss if rates have risen. These holdings are best suited to capital an investor can commit for the long term. Nothing on this website is tax, legal, financial, or investment advice. Consult your own advisors before investing.

Pacific Structured Assets

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What a $100,000 annuity pays — and what $100,000 buys here

Two ways to turn $100,000 into income

What $100,000 buys right now

NY Life

American General

John Hancock

$100,000 annuity questions

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