This is a good article about Structured Settlements. The quote by Professor Christopher Coyne, a St. Joseph's University finance professor is very insightful. He said, "Conventional investing logic doesn't apply for plaintiffs in injury or wrongful death accidents. Guaranteed income is vital and few have experience creating plans to meet this need."
Since a structured settlement annuity is the only investment that can provide safe, secure, income-tax free, management-free, payments that cannot be outlived, it is an investment vehicle that should be carefully considered in personal physical injury and wrongful death actions.
This fixed-income allocation is especially critical for catastrophically injured plaintiffs, minors, those who are now disabled or unemployable, and those without the training, experience, education and track record of investing large amounts of money to last a lifetime.