Income by amount

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

Name: Pacific Structured Assets, Inc.
Address: 2626 Foothill Blvd, Ste 200, La Crescenta, CA, 91214, US
Telephone: (800) 928-7680

A $100,000 annuity is the quote most people price first, and the insurer's answer is a payout rate built from bond yields minus their spread. The secondary market answers differently: at this size you can usually choose between one substantial existing schedule or two smaller ones, each bought at a discount with the estimated yield stated on the listing.

Reviewed by Evan Chait, Esq., Senior Vice President, OperationsUpdated July 30, 2026

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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.

A worked example

What $100,000 can be shaped into (illustrative)

As an illustrative frame only: $100,000 might buy a single stream paying on the order of a thousand dollars a month for ten to twelve years, or it might split into two purchases, one paying income that starts soon and one deferred schedule bought at a deeper discount. At the estimated yields recent inventory has carried, roughly 4 to 7 percent, the total scheduled payments collected would land meaningfully above the purchase price, with the gap widest on the longest schedules.

Real numbers replace this frame in the live section below, where each listing shows its actual schedule, carrier, and estimated yield.

Deploying $100,000

The first size where splitting makes sense

Two streams instead of one buys two things: a second issuing carrier, which halves your exposure to any single insurer's claims-paying ability, and a second start date, so part of the money pays income now while part compounds behind a deeper discount.

Keep in mind what these holdings will not do: hand the principal back early. A common shape is to keep an emergency reserve in cash or short CDs and commit only the portion of the $100,000 that can stay committed for the life of the schedules.

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

AvailableTerms →

GuaranteedNo. WF001512

United of Omaha

5.25%estimated yield

Purchase price: $79,925.10
Total scheduled: $99,077.70
Payment window: Jan 2027 – Jun 2035

AvailableTerms →

GuaranteedNo. TR002562

John Hancock

6.25%estimated yield

Purchase price: $77,795.83
Total scheduled: $118,000.00
Payment window: Jun 2033 – Jun 2033

AvailableTerms →

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

$100,000 annuity questions

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

A newly issued immediate annuity quotes a payout for your age and current rates, typically in the several-hundred-dollars range and partly a return of your own principal. A secondary-market stream near $100,000 shows its exact monthly schedule on the listing, so the comparison is concrete: the same money, a stated estimated yield, and a fixed calendar of payments.

Can I split $100,000 across two payment streams?

Often yes, depending on current inventory. Splitting adds a second carrier and a second start date, which is genuine diversification for this asset. The trade-off is choice: two smaller purchases must both fit what is listed, so investors who split usually assemble the pair over weeks as fitting streams arrive.

What if I need the $100,000 back before the schedule ends?

Plan as if you will not have early access. These are long-term holdings with limited liquidity: there is no public market, and while resale or reassignment may be possible with our assistance, neither availability nor price is guaranteed, and the price moves inversely with interest rates. Money you may need on short notice belongs in CDs or Treasuries instead.

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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