New Choice for Non-Physical Injury Claims:
MetLife Adds Non-Qualified Assignment
Option for Taxable Damage Settlements  
January 10, 2018 - For plaintiffs, their attorneys, employers and the casualty companies representing them who negotiate, litigate and resolve non-physical injury claims, life just got a whole lot better.

Earlier this week, one of the most well-established life insurers in America announced it is upping its structured settlement game.

MetLife will now accept structured settlements via the Non-Qualified Assignment process through its Delaware domiciled MetLife Assignment Company, Inc.

This excellent news couldn't be timelier given Liberty Life Assurance Company of Boston's recent decision to cease its non-qualified assignment operations. Our firm expects MetLife to dominate this under-served marketplace for the foreseeable future.

With over 95 billion dollars in Direct Written Premium (2016 results), MetLife, Inc. is the number one ranked writer of life insurance/annuities in the United States boasting a 15.2% market share according to the Insurance Information Institute.

Non-Physical Injury Structured Settlements

Non-physical injury structured settlements using non-qualified assignments have been in use since the mid-1990s and are popular because they help solve the fairness imbalance created when large taxable awards and settlements resolve for cash while enhancing negotiation flexibility during the evaluation and negotiation phase of taxable damage claims handling.

Structured settlements for physical injury claims remain popular and broadly implemented but as we have argued for years, structured settlements for non-physical injury claims hold infinitely more potential to produce a more equitable case resolution by better managing an aggrieved party's tax liability while simultaneously allowing the defendant to terminate its obligation and extinguish any contingent liability.

Among the types of lawsuits ideally suited for this option:

Wrongful termination,
sexual and non-sexual harassment,
emotional distress not stemming from a physical injury,
construction defect,
contract disputes,
punitive damages,
environmental claims,
D&O and E&O claims,
attorney fees associated with these types of cases

Damages attributable to wages and certain other types of damages are ineligible but a nearly infinite possibility exists to help resolves these types of claims more effectively.
At Tax Time, Time Your Taxes

Anyone settling a non-physical injury claim without first considering the tax ramifications could end up costing themselves a significant amount of money unnecessarily.

Timing the settlement to pay over several years when one's anticipated tax bracket may be lower can lead to a better all-around outcome.

Be sure to ask about our proprietary analytical tools designed to help our clients quantify the value of structuring taxable damages. For more information about this dynamic settlement alternative, please visit our companion Website:

Finally, employment attorney groups, bar associations, law firms, claims organizations and other interested parties are encouraged to inquire about our popular MCLE sessions which can be brought to your annual convention or monthly meeting. These highly professional sessions are offered with our compliments as a service to our friends in the legal and claims communities.

Thank you for the opportunity to be of service and best wishes for continued success in your personal and professional lives. Here's hoping 2018 is your best year yet!

Dan Finn, CPCU, MSSC™, RICP®
Master's Certified Structured Settlement Consultant™
Retirement Income Certified Professional®
NOTE: This newsletter is presented for educational purposes only
using material freely available in the public domain  and should 
not be construed as take or legal advice. All rights reserved.

Tax image courtesy of anoopkrishnan at

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The Finn Financial Group provides customized, guaranteed future income options and ancillary services to a variety of clients throughout the United States. We pride ourselves on our commitment to the overall financial well-being of the individual. For a greater understanding of the services we provide, click on your area of interest.

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About Finn Financial Group 

The Finn Financial Group is a full-service, specialty planning firm with a commitment to ensuring the long-term financial stability of its clients. We believe this can best be achieved through a stream of guaranteed, tax-advantaged payments carefully tailored to each individual's specific needs. Our diligent work has resulted in a long list of satisfied clients across all lines of advocacy and a high degree of trust. 


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Dan Finn, CPCU, MSSC™, RICP® | Finn Financial Group, LLC | 949.999.3322 | CA Insurance License: 0A96173

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