N O N - Q U A L I F I E D S E T T L E M E N T S

A Powerful Financial Tool that Provides Freedom from Worry...

Imagine a financial solution created specifically for injured parties...

A solution that can insure all future needs and financial goals are met while avoiding the risks of the unknown that life so brings.

Not every settlement fits neatly into the qualified structured settlement category for physical injuries or workers’ compensation claims. Millennium Settlement Consulting® offers a resolution for these disputes and claims with the Non-Qualified Annuity. Since 1982, Congress has encouraged the use of structured settlements to resolve physical injury and workers’ compensation claim cases due to their advantageous tax benefits and reliable payments. Cases not meeting the requirements for a qualified structured settlement could be exposed to certain adverse tax or accounting consequences if either the annuitant (the person receiving the payments) or the annuity purchaser owned the annuity contract. Today, the non-qualified annuity applies many of the same features of a qualified structured settlement annuity to a wide range of cases providing guaranteed and reliable payments with a competitive rate of return. In a non-qualified structure, an assignment company receives financial consideration from the original responsible party and subsequently purchases a non-qualified annuity to fund the future payment obligations. This process was developed to eliminate the adverse financial consequences these cases previously encountered. The assignment company owns the annuity in a manner similar to the assignment process used in qualified physical injury and workers’ compensation cases. The use of the non-qualified annuity can be considered in any transaction wherein the parties would benefit by receiving an annuity stream of payments rather than up-front cash.

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Benefits of Setting Up Periodic Payments Through a

Non-Qualified Annuity Include:

• Defer tax liability* Tax issues can be very important in designing a financial resolution that satisfies all parties involved. Non-qualified annuities can defer the receipt of income into future years, thus avoiding paying potentially higher taxes in the current tax year. The Alternative Minimum Tax can potentially be reduced or avoided as well.

• Receive competitive rates of returns

Millennium represents highly rated life insurance companies to provide competitive rates of return. Returns are fully guaranteed, and the future periodic payments are not subject to either interest rate risks or market fluctuations.

• Customize timing of payments

Payments from a non-qualified annuity can be customized to match the specific requirements of the parties involved in the transaction. This flexibility provides assurances necessary to conclude the transaction. Periodic payments can be guaranteed for a specified period of years or can be made throughout the lifetime of the recipient. Under some circumstances, the annuitants can be medically underwritten which can potentially increase payment amounts for the same cost.

• Save time and reduce costs

The benefits provided through a non-qualified annuity can facilitate a more efficient negotiation process therefore minimizing overall costs.

NON-QUALIFIED ANNUITIES CAN BE USED IN CASES

INVOLVING: ATTORNEY FEES

DISCRIMINATION

BREACH OF CONTRACT

INTELLECTUAL PROPERTY

STRUCTURED INSTALLMENT SALES

EMPLOYMENT ISSUES

DIVORCE SETTLEMENT

CONSTRUCTION DEFECTS

ENVIRONMENTAL LITIGATION

PUNITIVE DAMAGE AWARDS

SEXUAL HARASSMENT

LEGAL MALPRACTICE

PROPERTY DISPUTES

FALSE ARREST/IMPRISONMENT

WORKERS’ COMPENSATION CLAIMS

DISABILITY POLICY BUYOUTS

LOTTERY/CONTEST WINNERS

FRAUD CLAIMS

PSYCHOLOGICAL DAMAGE CLAIMS

*This information is provided for general educational purposes and is not to be relied upon as legal, tax or investment advice. For individual advice, please consult with your legal or tax advisors.