Income by amount

What a $500,000 annuity pays — and what $500,000 buys here

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

Half a million dollars is portfolio territory. A single $500,000 annuity would concentrate the whole amount with one insurer at the insurer's quoted rate. Built from existing payment streams instead, the same capital becomes an income portfolio: multiple schedules, multiple highly rated carriers, staggered start dates, each position bought at a discount with its estimated yield stated before you commit.

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

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The honest frame

Two ways to turn $500,000 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

A $500,000 income portfolio, sketched (illustrative)

As an illustrative frame only: a portfolio at this size might hold four to six streams. A base of guaranteed schedules carries the dependable income, staggered so something is paying in every year that matters to your plan. Some investors add a life-contingent position for its somewhat higher estimated yield, understanding that its payments continue only while the original payee lives, hedged with a life-insurance policy that preserves the investor's estimated yield if the payee passes early.

Across recent inventory the estimated yields on such positions have run 4 to 7 percent. The live section below shows what is actually available near this size today; assembling the full portfolio is a matter of patience as fitting streams arrive.

Deploying $500,000

An income floor, and the paperwork done right

At this scale the portfolio can carry a real job: covering the gap between what a household spends and what Social Security and pensions deliver, with market risk removed from that slice of the plan. The income-gap arithmetic is worth doing first, and our income-gap calculator is built for exactly that.

Titling deserves the same care as selection. Streams can be held individually, jointly, in a trust or LLC, or across self-directed IRA accounts, and at $500,000 the estate-planning consequences of that choice are real. Which structure fits is a decision for your own attorney and tax advisor; our team coordinates the paperwork with the issuer once you have decided, and a specialist can walk through the whole portfolio with you before anything is reserved.

Live inventory

What $500,000 buys right now

View all inventory →

For example: $598,660.23 currently buys the right to collect $637,767.88 in scheduled payments from MetLife — an estimated yield of 5.50%. This section updates as inventory changes.

GuaranteedNo. BJ003406

MetLife

5.50%estimated yield

Purchase price: $598,660.23
Total scheduled: $637,767.88
Payment window: Jan 2027 – Dec 2028

AvailableTerms →

GuaranteedNo. SD006845

MetLife

5.50%estimated yield

Purchase price: $387,791.73
Total scheduled: $477,452.64
Payment window: May 2027 – Apr 2034

AvailableTerms →

Also see: $50,000$100,000$250,000

$500,000 annuity questions

How much monthly income does a $500,000 annuity pay?

An insurer would quote a monthly payout in the low-to-mid four figures depending on age and rates, part of it return of your own principal. A portfolio of secondary-market streams shows its income in advance: the sum of the listed schedules you assemble, at stated estimated yields that have recently run 4 to 7 percent. The difference is that you choose the calendar rather than accepting one quote.

Should $500,000 go into one annuity or several payment streams?

Concentrating half a million dollars behind a single insurer is a larger credit decision than most investors want to make. Several streams across different highly rated carriers spread that exposure and let you stagger start dates. The cost is assembly time, since each position must be a real listed stream, and a commitment to limited liquidity across the whole allocation.

How do investors title a $500,000 purchase?

Individually, jointly, through a trust or LLC, or inside self-directed IRAs, often in combination across positions. Carriers differ in what they accept, and the estate and tax consequences differ by structure, so this is a decision to make with your own attorney and tax advisor. We tell you what each carrier allows and coordinate the documents once you decide; PSA does not provide legal or tax advice.

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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