Live inventory

Secondary market annuity rates, updated as inventory posts

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

Court-approved, factored structured settlement payment streams from top-rated carriers, with estimated yields of roughly 4–7%. New to these? See how to read a listing below the inventory.

31 live listingsEst. yield up to 9.00%A-rated carriersCourt-approved transfersFirst-come, first-served

Showing 31 listings

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Lottery Life-ContingentNo. GK005440

WA Lottery

9.00%estimated yield

Purchase price: $229,035.53
Total scheduled: $359,000.00
Payment window: Feb 2029 – Feb 2035

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GuaranteedNo. CJ048843

Genworth

6.60%estimated yield

Purchase price: $1,118,773.57
Total scheduled: $2,086,386.14
Payment window: Apr 2034 – Apr 2039

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GuaranteedNo. BI021881

Prudential

6.50%estimated yield

Purchase price: $302,744.72
Total scheduled: $884,476.80
Payment window: Dec 2027 – Nov 2058

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GuaranteedNo. NB004984

Genworth

6.30%estimated yield

Purchase price: $86,506.77
Total scheduled: $188,920.00
Payment window: Mar 2037 – Mar 2043

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GuaranteedNo. SE001430

MetLife

6.25%estimated yield

Purchase price: $82,024.31
Total scheduled: $103,500.00
Payment window: Jan 2028 – Sep 2033

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GuaranteedNo. MS001397

Prudential

6.25%estimated yield

Purchase price: $78,319.62
Total scheduled: $100,100.26
Payment window: Nov 2028 – Nov 2035

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GuaranteedNo. GF002506

John Hancock

6.25%estimated yield

Purchase price: $39,861.91
Total scheduled: $94,114.32
Payment window: Jul 2035 – Aug 2046

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GuaranteedNo. QJ006536

Everlake

6.25%estimated yield

Purchase price: $251,210.93
Total scheduled: $350,000.00
Payment window: Jul 2028 – Jul 2035

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GuaranteedNo. HD000837

Berkshire Hathaway

6.00%estimated yield

Purchase price: $19,201.23
Total scheduled: $30,150.00
Payment window: Jan 2027 – Sep 2043

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GuaranteedNo. NP001509

USAA

6.00%estimated yield

Purchase price: $30,414.44
Total scheduled: $62,500.00
Payment window: Nov 2028 – Nov 2052

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GuaranteedNo. BR002753

United of Omaha

6.00%estimated yield

Purchase price: $54,358.32
Total scheduled: $112,000.00
Payment window: Jan 2029 – Apr 2052

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GuaranteedNo. VA007006

MetLife

6.00%estimated yield

Purchase price: $104,564.99
Total scheduled: $275,331.81
Payment window: Mar 2031 – Jan 2051

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GuaranteedNo. DD002723

Genworth

6.00%estimated yield

Purchase price: $94,548.15
Total scheduled: $137,500.00
Payment window: May 2028 – May 2038

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GuaranteedNo. KZ002172

John Hancock

5.75%estimated yield

Purchase price: $109,824.33
Total scheduled: $140,000.00
Payment window: Feb 2029 – Feb 2033

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GuaranteedNo. OG004167

Aurora National

5.75%estimated yield

Purchase price: $140,574.60
Total scheduled: $200,823.53
Payment window: Apr 2033 – Apr 2033

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GuaranteedNo. GC002011

American General

5.50%estimated yield

Purchase price: $82,337.75
Total scheduled: $110,000.00
Payment window: Feb 2030 – Feb 2035

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GuaranteedNo. AT001715

Berkshire Hathaway

5.50%estimated yield

Purchase price: $49,961.57
Total scheduled: $76,000.00
Payment window: Oct 2027 – Oct 2036

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GuaranteedNo. SK001058

Independant Life

5.50%estimated yield

Purchase price: $53,886.53
Total scheduled: $68,000.00
Payment window: Dec 2027 – Dec 2034

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GuaranteedNo. BE001235

American General

5.50%estimated yield

Purchase price: $61,373.95
Total scheduled: $77,620.92
Payment window: Jun 2028 – May 2034

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GuaranteedNo. LE001669

American General

5.50%estimated yield

Purchase price: $32,968.17
Total scheduled: $59,659.56
Payment window: Jan 2035 – Dec 2040

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GuaranteedNo. SS001476

American General

5.50%estimated yield

Purchase price: $36,858.78
Total scheduled: $58,550.00
Payment window: Jul 2035 – Jul 2035

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GuaranteedNo. CJ054997

Genworth

5.50%estimated yield

Purchase price: $1,232,030.15
Total scheduled: $2,086,386.14
Payment window: Apr 2034 – Apr 2039

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GuaranteedNo. MJ001543

Prudential

5.50%estimated yield

Purchase price: $31,528.39
Total scheduled: $56,373.36
Payment window: Aug 2032 – Jul 2042

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GuaranteedNo. DT000577

Brighthouse Life

5.25%estimated yield

Purchase price: $44,632.11
Total scheduled: $51,423.48
Payment window: Apr 2028 – Mar 2031

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GuaranteedNo. BD001114

MetLife

5.25%estimated yield

Purchase price: $35,409.32
Total scheduled: $50,000.00
Payment window: Sep 2033 – Sep 2033

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GuaranteedNo. DN000945

MetLife

5.00%estimated yield

Purchase price: $117,560.76
Total scheduled: $127,724.84
Payment window: Sep 2028 – Sep 2028

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GuaranteedNo. LB000823

United of Omaha

5.00%estimated yield

Purchase price: $84,905.50
Total scheduled: $93,834.00
Payment window: Jan 2029 – Jan 2029

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GuaranteedNo. EB000635

American General

5.00%estimated yield

Purchase price: $53,017.89
Total scheduled: $60,000.00
Payment window: Jul 2029 – Jul 2029

AvailableTerms →

GuaranteedNo. RH000329

Prudential

5.00%estimated yield

Purchase price: $31,409.00
Total scheduled: $35,000.00
Payment window: Feb 2029 – Feb 2029

AvailableTerms →

GuaranteedNo. JS002188

USAA

5.00%estimated yield

Purchase price: $194,184.98
Total scheduled: $218,739.60
Payment window: Oct 2026 – Sep 2031

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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 →

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Every listing shows the issuing insurance company, the payment schedule, funding date, and reservation option. Join our email list to get new inventory the moment it posts.

What you can buy

Guaranteed: The right to receive structured settlement payments paid by a large insurance company such as MetLife or Prudential. Payments are made on a fixed schedule regardless of whether the original payee is living.
Life-Contingent: The right to receive structured settlement payments that continue only while the original payee is living, hedged with a life insurance policy. If the payee passes before the schedule completes, the policy pays a lump sum structured to preserve the investor's estimated yield for the time held.
Lottery Guaranteed: The right to receive scheduled state-lottery prize payments that we originate and assign. Payments are made on a fixed schedule regardless of whether the original payee is living.
Lottery Life-Contingent: The right to receive scheduled state-lottery prize payments that continue only while the original payee is living, hedged with a life insurance policy so the investor's estimated yield is preserved if the payee passes early.
Annuity: Insurance annuities, such as single premium immediate annuities, reassigned to a new owner through a change of ownership or an irrevocable change of payee.

How to read a listing

Here is what each number means

New to these? Here is a plain-English guide to the figures on every available income option, so you can compare them with confidence.

Estimated yield: The effective annual return if you hold the stream through its final scheduled payment, calculated at the listed purchase price. It is an estimate, not a guarantee, and it is not a bank interest rate.
Purchase price: What you pay today to buy the stream. You buy the whole stream, not a share of it, so this is the amount required to reserve it.
Total scheduled payments: The sum of every payment you are scheduled to receive over the life of the stream. The gap between this and the purchase price is your estimated yield. Our rate report sets those estimated yields against current Treasury, CD and corporate bond rates, updated daily.
Payment dates: When each payment is scheduled to arrive. Amounts and dates were fixed in the original settlement, so the schedule is known before you buy.

Guaranteed vs. life-contingent — the label to check first

Guaranteed Payments

Pays its fixed amounts on fixed dates regardless of anyone’s life. The schedule and total are set the day you buy.

Life-Contingent

Pays only while the original annuitant lives. It offers a higher estimated yield to reflect real mortality risk: payments can stop early if the annuitant passes away. Review these carefully before you decide.

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Before you invest

Secondary market annuities are long-term holdings with limited liquidity, intended as long-term holdings. There is no daily or public market, though resale or reassignment may be possible with our assistance at a price that is not guaranteed. They are not bank deposits and are not FDIC-insured, and they are not securities registered with the Securities and Exchange Commission. Payment obligations depend on the financial strength of the issuing insurance carrier. Life-contingent listings depend on the continued life of the original annuitant and carry mortality risk in exchange for their higher yield. Yields shown reflect the effective annual return of the contractual payment stream at the listed purchase price and are not a guarantee of future performance.

Pacific Structured Assets, Inc. does not provide tax, legal, financial or accounting advice. The material on this website has been prepared for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal, financial or accounting advice. You should consult your own tax, legal, financial or accounting advisors before engaging in any transaction, including the acquisition of factored structured settlement payments. Pacific Structured Assets is not registered with the Securities and Exchange Commission and is not licensed to sell insurance in any state.

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.

Important things to understand before buying

Secondary market annuities can be a strong fit for long-term income, but they are not right for everyone. Please read these points before you decide, and ask our team anything that is unclear.

Not a bank deposit, not FDIC-insured, and not bank-guaranteed
Not a new annuity contract and not an insurance policy
Not a registered security, and not publicly traded
Not covered by state guaranty associations, unless separately confirmed by applicable law
Limited liquidity: no public market and no daily price
Payments depend on the issuing insurance company's claims-paying ability
Subject to transaction, document, and court-order risk
Life-contingent payments may stop if the measuring life passes away

PSA does not provide tax, legal, investment, accounting, or financial advice, and these payment rights may not be suitable for every investor. Please review any option with your own advisors before deciding.

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Pacific Structured Assets

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(800) 928-7680