Since 2008, MJ Settlements, Inc. has been the leader in secondary-market reassignment — among the pioneers who opened this once institution-only asset class to individual investors. Court-approved, high-yield income streams, backed by the nation’s top-rated insurance carriers.
Each offering is an existing, court-approved income stream from a top-rated carrier. They’re offered first-come, first-served — open deals close fast.
* Yields are approximate and depend on purchase price, payment schedule, and estimated closing date. Not a solicitation or offer to sell securities. Contact us for full deal documentation.
It’s the simplest, most powerful idea in this asset class — and the reason these income streams consistently outperform comparable products from the very same insurance carriers.
When the original owner of a structured settlement needs cash today, they sell their future payments at a discount. That discount doesn’t disappear — it becomes your advantage.
You acquire the exact same guaranteed payments, from the exact same top-rated insurance carrier — but you pay less for them. A lower purchase price mathematically produces a higher yield, typically 1% to 4% more than a newly issued annuity paying the identical stream.
“Think of it as buying the same guaranteed income on sale. Same carrier. Same payment. Lower price. Higher return.”
Most investors have never heard of this asset class — yet it’s one of the most reliable fixed-income instruments available. Here’s the straightforward version.
A secondary-market structured settlement income stream is an existing, in-force series of payments — already created, already funded by an insurance company, and now legally transferred to you through a judge-approved court order.
Unlike stocks, real estate, or market-linked products, these payments are fixed and predictable. You know exactly how much arrives, and exactly when — whether monthly, quarterly, annually, or as a future lump sum.
Since 2008, MJ Settlements has been a leader in this market — among the pioneers who brought this once institution-only asset class to individual investors. With 20+ years of experience, we guide everyday investors and institutions through the entire process. Every transaction is supported by rigorous third-party legal due diligence, a court-ordered transfer, and bank-administered escrow and payment servicing.
“Every client has a name and a story that matters to us. We put relationships ahead of transactions — always.”
Every investment meets a need — ours can meet them all. Choose income that starts now, income that starts later, or a single future lump sum. Combine several to build your own personal pension.
Payments that begin within a few months — ideal for replacing a salary, covering essential living costs, or supplementing Social Security in retirement.
Payments that begin years in the future and defer, accrue, and compound until they start — perfect for a bucket plan or a known target retirement date.
A one-time future payout — a powerful alternative to CDs for safe accumulation toward college, an inheritance, a home purchase, or other planned capital needs.
Everything you want from a fixed-income investment — and everything your CD doesn’t deliver.
Every income stream is reviewed and approved by a court of law. You’re not buying a product — you’re stepping into a legally binding, in-force obligation backed by the U.S. judicial system.
These income streams consistently outperform CDs, money markets, and Treasuries — often by 100 to 300 basis points — for a comparable, and in many ways superior, level of safety.
Payments are backed by household names — New York Life, MetLife, Berkshire Hathaway, John Hancock, Pacific Life, and more — among the strongest insurers in the world.
Income is generally recognized only as it’s received, leaving unrealized gains to defer, accrue, and compound — a meaningful edge over CDs taxed every year.
No asset-management fees, no annual charges. Your only cost is a nominal payment-servicing fee when payments arrive. What you see is what you get.
From court filing to final payment, MJ Settlements manages every legal and administrative detail. Our veteran team has led this market since 2008 and handles it all — so you don’t have to.
Income streams aren’t just for retirees. They work for anyone who values certainty — from a young saver to a family office.
When your CD matures, don’t settle for today’s low renewal rate. Roll those funds into a guaranteed income stream and earn meaningfully more, with the same peace of mind.
Cover your essential monthly expenses with guaranteed income so the rest of your portfolio has room to grow — protecting you from sequence-of-returns risk.
Schedule deferred payments or a future lump sum to land exactly when tuition is due — fully funded, with zero market dependency.
Even sophisticated investors benefit from a guaranteed, uncorrelated anchor. These streams provide stability no stock or rental property can match.
Family offices, endowments, and pension portfolios use these streams to lock in a stable yield against otherwise volatile holdings.
Period-certain payments continue to your heirs. Structure income for an inheritance, charitable gift, or planned giving with complete certainty.
Relying on the markets for stable long-term growth makes for a bumpy ride. Higher-yield fixed income smooths out the road — consistent, compounding, and never subject to principal losses.
* For educational purposes only and not a guarantee of future results. Illustrative comparison of a fixed compounding rate versus a volatile market path.
A guaranteed income stream delivers a higher yield and more total income than a CD — with no annual tax drag and no early-withdrawal penalty. See how the alternatives stack up.
| Investment Type | Typical Yield | Principal Guarantee | Market Exposure | Tax Treatment |
|---|---|---|---|---|
| ✦ Structured Settlement Income Stream | Up to 7.50% | ✅ Court Order + A-Rated Carrier | None | Tax-Deferred |
| Bank CD (1–5 Year) | ~4.5–5.0% | FDIC (up to $250K) | None | Taxable Annually |
| U.S. Treasury Bond (10-Year) | ~4.2–4.5% | U.S. Government | Interest Rate Risk | Federal Taxable |
| Money Market Fund | ~4.5–5.0% | No guarantee | Low | Taxable Annually |
| Newly Issued Fixed Annuity | ~3.5–5.5% | Carrier Only | None | Tax-Deferred |
| Dividend Stocks | 2–4% (variable) | No guarantee | High | Taxable Annually |
* Rates approximate and subject to change. This is not financial advice. Consult your qualified advisor.
Because income is generally recognized only as payments are received, your unrealized gains keep deferring, accruing, and compounding — a meaningful edge over CDs and savings accounts taxed every single year.
A portion of every payment is the return of your original purchase price — not taxable. Only the income above what you paid is subject to tax.
Income is typically treated as ordinary income and recognized only when each payment arrives — not accrued and taxed annually like a CD.
Held in a self-directed IRA, payments flow back into your retirement account — building a guaranteed, tax-advantaged income floor.
Your tax advisor may apply one of several recognized methodologies (such as a payment-by-payment schedule or an exclusion ratio) to determine the income portion of each payment. The total income recognized is the same under each — they differ only in timing. This is general information, not tax advice. Please consult your own qualified tax professional.
Already own an income stream you bought from us or elsewhere? Holding a traditional fixed annuity you no longer need? When life changes and you want liquidity, MJ Settlements makes fair, competitive offers — and we’re known for it.
Whatever guaranteed payment stream you’re holding, we’ll evaluate it and make you a competitive cash offer.
Not every financial plan stays the same forever — and it shouldn’t have to. If you’re holding a structured settlement, lottery payment, or annuity that no longer fits your needs, we want to hear from you.
Whether your circumstances have changed, you need a larger sum now, or the payments simply no longer serve their original purpose, you may have more options than you think. MJ Settlements purchases existing payment streams and evaluates your situation with complete confidentiality and zero pressure.
We’ll give you a fair, transparent assessment of what your future payments may be worth today as a lump sum — a straightforward conversation between people who understand this business.
Court-ordered payments from personal injury, wrongful death, or workers’ comp cases.
Annual prize payments from state or multi-state lottery winnings received over time.
Insurance-company annuity contracts with scheduled payment streams you no longer need.
Defined-benefit or structured pension streams eligible for early cash-out consideration.
“We treat every person who reaches out with the same respect and honesty we give to investors. If it makes sense for you, we’ll make it work. If it doesn’t, we’ll tell you that too.”
— MJ Settlements, Inc.Fill out the form below and we’ll reach out within one business day. Completely confidential.
The period-certain income streams we offer pay exactly as scheduled — to you, or to your heirs. Here’s how your payments are handled no matter what life brings.
Period-certain payments continue on schedule to your named beneficiaries. The payment servicer updates ownership with a copy of the will and death certificate — no payments are lost.
Prefer cash instead of future payments? Heirs may sell the remaining stream back for a lump-sum payout. We’ll provide a valuation and repurchase offer at any time.
Streams owned inside an IRA continue paying into the account per your beneficiary designation; those held in a trust continue paying the trust. Both transfer cleanly to successors.
Every client has a name, a goal, and a story. Here are a few of the people we’ve been honored to help. (Profiles are illustrative.)
Tired of tenants, repairs, and midnight calls, Debbie wanted to simplify and diversify out of active real estate — without giving up reliable income or peace of mind.
A busy doctor with a young family, Barry is a “set-and-forget” saver. He wanted the highest safe yield possible without managing a portfolio every day.
Daniel sold his business on an owner-carried note set to be paid off soon. Wary of Wall Street, he did his homework — and his CPA and attorney gave the green light.
Trust is everything in this business. Here’s what the people we’ve worked with have to say.
Todd and his team are second to none when it comes to customer service, reliability, and explaining the process clearly. I felt very comfortable with Todd and the value he provided, never treating me like a number, and knowing that Todd was always looking out for my family’s best interests. He is responsive, thoughtful, and a true professional.
My very first transaction with Todd was in 2012. Before I ever moved forward, Todd graciously spent hours educating me, answering my questions, and reassuring me throughout the process.
Over the years, the certainty of those payments has been incredibly reassuring. Having been retired since 2013, that dependable income gave me peace of mind and helped support my family’s financial future.
As that first strategy now comes to a close, I wanted to express how much Todd has influenced and impacted my life for the better. He has been a true blessing to me and my family, and I am sincerely grateful for his guidance, patience, and friendship. Thank you, Todd, for everything.
Thanks to Todd and the strategy options he put together, I now have peace of mind about my retirement goals and my family’s future. Working with Todd was a pleasure. His knowledge, patience, and ability to explain everything clearly were unmatched.
A few words from clients we’ve had the privilege to serve. Testimonials reflect individual experiences and are not a guarantee of future results.
Payment Obligations Backed By Top-Rated Carriers
Whether you’re new to structured settlements or ready to place capital today, the team at MJ Settlements is here to answer every question clearly and honestly. No jargon, no sales pressure — just real guidance from a team that has led this market since 2008.
Whether you’re buying guaranteed income or looking to sell payments you no longer need — we’re the team to call.