You just won a huge injury settlement, right? The insurance company or the defendant immediately pushes a structured settlement. This means you get your money over many years instead of one big check right now. They love this because it saves them cash up front. We use structured settlements to protect our clients from blowing that huge payout and to guarantee long-term security. It’s a great tool, but only when we control who holds the money.

Here’s the hidden trap: the annuitant, the corporation that holds your money and sends your checks. If that company is financially weak or goes broke, your future payments stop. Your money is instantly gone. You fought hard for that lifetime of payments. We don’t let some cheap insurance company pick a cheap, risky annuitant. We force them to pick the very best, strongest company in the entire business.

Are you looking for the best injury lawyer? Please call us NOW at (314) 481-63338 to learn more about your legal options for justice and compensation. The experienced, countrywide personal injury attorneys at McCready Law have combined experience spanning over 90 years where we’ve helped tens of thousands of injured Americans from all corners of the country as well as from various socioeconomic backgrounds, helping them recover money damages after getting injured on account of the negligent actions of other individuals or large corporations.

To date, we have recovered over $260 million and counting for our clients, and our success is due to a number of factors such as personally handling all claims that come into the firm and not letting paralegals or inexperienced legal assistants work on them as seen in most law firms, our commitment in making sure that we put a capable and aggressive team for each claim made of physicians, investigators as well as industry-respected experts, as well as not being afraid to litigate claims in a court of law if we believe the client deserves maximum compensation based on their injuries or the actions of the defendant.

We also work with a team of well-renowned experts in the medical, investigative, forensic, and accounting fields in order to come up with a case replete with objective evidence, medical rationale for your injuries tying them to the accident and the defendant’s negligence as well as quantifying your injuries by way of compensable damages to ensure you get the compensation you truly deserve. We run a bilingual firm (hablamos Español), and we have nationwide reach thanks to our vast and trusted network of referral attorneys.

Last but not least is the fact that we take on all cases on contingency fee basis, which simply means that there are ZERO UPFRONT FEES for the duration of the processing of your claim, as we only levy our fees at the end of the suit, and only if we’ve recovered compensation on your behalf. If you got injured and are looking for personal injury lawyers with trial experience, you’ve come to the right place – give us a call NOW at (314) 481-63338 to learn more about your legal options for justice and compensation: our intake team is standing by.

The Real Danger of the Annuitant

When a settlement is structured, the defense buys a payment plan—called an annuity—from a third-party company, the annuitant. That annuitant promises to pay you, and it’s supposed to be safe. But the corporation plays dirty, and this is where the risk starts: they hunt for the cheapest annuitant they can find. Cheaper means that company has a much higher chance of failing or going broke later on. If that annuitant fails, your monthly payments are over and your financial future is ruined. We don’t put up with that risk. We demand the settlement uses an annuitant with the highest possible financial ratings, only from the most trusted agencies. We don’t settle for “okay.” We demand absolute “safety.”

Our Battle Plan: Forcing the Highest Rating

The defense and their insurance adjuster only care about saving a dime on the total cost. They want the cheapest annuitant. Our job is to use our legal power to force them to protect your money correctly, and we take control right away. When the defense sends us the settlement paperwork, the first thing we do is check the financial rating of their company. If that rating isn’t top-tier, we reject the entire deal immediately. We make it absolutely clear: we won’t risk our client’s future on a company that might fail, so they have to find a safer one.

We also always make sure the structure includes a Qualified Assignment. This is a specific legal step that locks the annuitant into being financially responsible for every single payment, and it’s a layer of protection we always put in place. For the biggest settlements, we don’t trust just one company, period. We look at using multiple annuitants, splitting the payments across two or three different, top-rated companies. If one company hits trouble decades down the road, the others are still paying you. This is the ultimate security plan for a severely injured client.

Don’t Let Them Gamble with Your Future

A structured settlement has to be safe. If your checks stop, you can’t pay your doctor, your bills, or your rent. You can’t trust the insurance company to make the honest choice. They will always pick the cheapest one unless we use our power to force them to pick the safest one. We make sure the annuitant is secure. We lock down every detail of the payout schedule. We guarantee your money is there for you for life. That’s the difference between a law firm that just settles and an aggressive firm that protects every penny for your future.

Best Nationwide Injury Attorneys – Call Us Today!

If you’ve been offered a settlement and the insurance company is talking about a structured payout, stop right there. Don’t sign a thing until you call us. You need an aggressive legal team to vet the fine print and vet the company holding your money. Call us NOW at (314) 481-63338 to find out how we protect the compensation you won. We serve injured clients nationwide, and there is no legal obligation, plus your first consultation is 100% FREE. Thanks for choosing McCready Law, and we look forward to helping you.