Learn The Basics

How Are Annuities & Structured Settlements Different?


Annuities are insurance products that generate income for a specified period of time.

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Structured Settlements

Structured settlements are financial arrangements for resolving personal injury claims.

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Buying Annuities

Guaranteed Income for as Long as You Need It

Annuities address a common need for Americans — income for life. People nearing retirement reap substantial benefits from including annuities in their retirement plans. But annuities can offer financial security to people of all ages.

Should I Buy An Annuity?
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Selling Structured Settlements and Annuity Payments

Turn Periodic Payments into Instant Cash

Financial priorities constantly change. Cars break down, houses need repair, your health can decline and student loans come due. Often these events happen when money is tight. Selling a portion of your future annuity or structured settlement payments can provide you with cash today to take care of urgent financial needs.

Should I Sell My Structured Settlements?
About Us

What Is Annuity.org?

Annuity.org is a trusted resource for understanding annuities and structured settlements. Our mission is to educate people about these specialized financial products and empower them to make informed financial decisions based on their unique needs.

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What Makes Us Different

Reliable Information, Happy Customers

We offer reliable, balanced information to help you improve your financial literacy, plan for your financial future and gain an awareness of the hidden costs of retirement.

Our Financial Experts

Annuity.org has teamed up with financial experts to review our content to ensure the highest quality. We are fortunate to have trained, accredited, experienced professionals to help us provide valuable, reliable information.

Marguerita M. Cheng, Certified Financial Planner
Marguerita M. Cheng
Certified Financial Planner
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Juliette Fairley, Business and Financial Reporter
Juliette Fairley
Business & Finance Reporter
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Customer Spotlight

Making decisions about your finances can be paralyzing. There are so many factors to consider, and the right answer is not always obvious. The first step is taking a good, hard look at yourself — your lifestyle, your current needs and your goals for the future. But you can also learn from others who have been there.

Video: Why We Share Customer Stories
David Gaynes
David Gaynes
Selling Annuity Payments Holds Off IRS, Foreclosure
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Lisa Faulkner
Lisa Faulkner
Unlocking Annuity was Her Ticket Home
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Annuities Explained

Free Yourself from the Financial Stresses of Retirement

Annuities don't have to be complicated. Let our experts show you how to put yourself on the road to guaranteed income with our free downloadable guide to annuities.

Get Your Free Guide
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Financial Literacy

What is Financial Literacy?

The President's Advisory Council on Financial Capability defines financial literacy as: "The ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being." Whether saving for college or planning your retirement, financial literacy is key your future.

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The annuity puzzle
Featured Article

The Annuity Puzzle

Economists say that income annuities could provide retirees with financial security that frees them to live more comfortably than people who try to manage their own finances. But relatively few people buy them, and economists have been trying for years to figure out why. The question is known as the "Annuity Puzzle," and answering it could help address what many see as a looming retirement crisis.

Learn About the Annuity Puzzle