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CDs: The Secondary Market

Attention CD Investors:

If you have become increasingly frustrated by the low yields on CDs, maybe it’s time to look at other safe money investment strategies for the guaranteed portions of your portfolio nest egg?

View Today’s Inventory

At Somerset Wealth Strategies, we have a three pronged approach:

  • First: Identify Safe Money Strategies in the marketplace that aren’t too good to be true, just too good to last
  • Second: Once we have identified what we believe to be a possible safe money strategy with above average returns, we perform significant due diligence to make sure it’s as good as we think and safe for the general investment public
  • Third: If an investment passes phases one and two, we introduce it to our existing clients and other qualified investors

That said, if you are looking for what is arguably the highest quality, highest yielding, safe money strategy in the United States today, read on…

About Secondary Market Annuities

Secondary market fixed annuities “SMAs” are the result of an individual selling their future income and or lump sum immediate annuity or structured settlement payments in exchange for cash today. Therefore, they must be sold at a discount, creating a yield enhancement for the investor and making them very attractive in today’s rate environment. On average SMAs, return 50% to 400% above what other comparably high rated fixed income investments are paying.

What are the advantages of a Secondary Market CD?

Investors are using these plans to combat the low rate environment and earn a higher yield than they could with traditional CDs or fixed annuities or other fixed investments. Depending on your unique goals, you can combine one or more of these cases together to mimic other fixed investments. For example, if you want to protect your principle and receive income you can pair a lump sum annuity with an income stream annuity thus mimicking a CD in which you sweep the interest.

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Available SMAs as of Thursday Apr 24th 2014
Market Benchmark Rates**
10yr Fix-An: 3.60%  10yr Treas: 2.86%  10yr SPIA: 1.73%
5yr Fix-An: 3.00%  5yr Treas: 1.51%  5yr SPIA: 0.59%  5yr CD: 2.00%
Immediate Income - PERIOD CERTAIN PAYMENTS
reserve CDs: The Secondary Market
  • $72,118.78
  • Allstate
  • 4.0%
  • 36.49%
  • $98,432.10
  • 14 years
  • 01893
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $607.61
  • 08/12/2016
  • 01/12/2028
  • 138/mo
  • 3.0%/ $841.07
  • 07/01/2014
  • 10.11%
reserve CDs: The Secondary Market
  • $39,169.65
  • State Farm
  • 4.25%
  • 38.63%
  • $54,300.00
  • 16 years
  • 00750
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $300.00
  • 04/28/2015
  • 04/28/2030
  • 181/mo
  • 08/01/2014
  • 9.19%
reserve CDs: The Secondary Market
  • $25,212.02
  • Metlife
  • 4.25%
  • 47.13%
  • $37,094.00
  • 17 years
  • 00705
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $550.00
  • 01/27/2015
  • 01/27/2022
  • 08 annual
  • 07/01/2014
  • 2.18%
  • $550.00
  • 02/27/2015
  • 02/27/2022
  • 08 annual
  • 07/01/2014
  • 2.18%
  • $550.00
  • 09/27/2015
  • 09/27/2021
  • 07 annual
  • 07/01/2014
  • 2.18%
  • $873.00
  • 01/27/2023
  • 01/27/2031
  • 09 annual
  • 07/01/2014
  • 3.46%
  • $873.00
  • 02/27/2023
  • 02/27/2031
  • 09 annual
  • 07/01/2014
  • 3.46%
  • $873.00
  • 09/27/2022
  • 09/27/2031
  • 10 annual
  • 07/01/2014
  • 3.46%
reserve CDs: The Secondary Market
  • $59,467.20
  • American General
  • 4.75%
  • 93.27%
  • $114,933.96
  • 22 years
  • 01698
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $200.00
  • 07/01/2016
  • 06/01/2026
  • 120/mo
  • 2.0%/ $239.02
  • 07/01/2014
  • 4.04%
  • $674.71
  • 07/01/2026
  • 06/01/2036
  • 120/mo
  • 2.0%/ $806.34
  • 07/01/2014
  • 13.62%
reserve CDs: The Secondary Market
  • $81,471.43
  • Prudential
  • 4.75%
  • 142.09%
  • $197,232.80
  • 28 years
  • 03567
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $98.96
  • 01/15/2016
  • 07/15/2020
  • 55/mo
  • 07/01/2014
  • 1.46%
  • $200.00
  • 08/15/2020
  • 07/15/2029
  • 108/mo
  • 07/01/2014
  • 2.95%
  • $1,098.00
  • 08/15/2029
  • 06/15/2042
  • 155/mo
  • 07/01/2014
  • 16.17%
reserve CDs: The Secondary Market
  • $77,643.97
  • Genworth
  • 5.0%
  • 141.1%
  • $187,200.00
  • 32 years
  • 03533
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $400.00
  • 12/05/2016
  • 11/05/2040
  • 288/mo
  • 07/01/2014
  • 6.18%
  • $1,000.00
  • 12/05/2040
  • 11/05/2046
  • 72/mo
  • 07/01/2014
  • 15.46%
Immediate Income with Lump Sum - PERIOD CERTAIN PAYMENTS
reserve CDs: The Secondary Market
  • $118,231.95
  • Allstate
  • 4.25%
  • 49.7%
  • $176,990.96
  • 13 years
  • 02715
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $450.00
  • 07/01/2014
  • 02/01/2027
  • 152/mo
  • 2.0%/ $570.71
  • 07/01/2014
  • 4.57%
  • $100,000.00
  • 03/13/2027
  • 01 lump sum
  • 07/01/2014
  • 84.58%
reserve CDs: The Secondary Market
  • $57,779.64
  • NY Life
  • 4.75%
  • 57.69%
  • $91,111.77
  • 15 years
  • 00481
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $140.00
  • 10/27/2015
  • 01/27/2029
  • 160/mo
  • 07/01/2014
  • 2.91%
  • $30,000.00
  • 10/27/2020
  • 01 lump sum
  • 07/01/2014
  • 51.92%
  • $38,711.77
  • 01/27/2029
  • 01 lump sum
  • 07/01/2014
  • 67%
reserve CDs: The Secondary Market
  • $77,008.87
  • American General
  • 5.0%
  • 65.83%
  • $127,700.00
  • 15 years
  • 02978
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $4,900.00
  • 09/20/2014
  • 09/20/2015
  • 03 semi-annual
  • 07/01/2014
  • 12.73%
  • $16,500.00
  • 03/20/2019
  • 01 lump sum
  • 07/01/2014
  • 21.43%
  • $30,500.00
  • 03/20/2024
  • 01 lump sum
  • 07/01/2014
  • 39.61%
  • $63,000.00
  • 03/20/2029
  • 01 lump sum
  • 07/01/2014
  • 81.81%
reserve CDs: The Secondary Market
  • $105,710.14
  • John Hancock
  • 4.75%
  • 69.75%
  • $179,441.93
  • 21 years
  • 02383
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $418.99
  • 07/17/204
  • 11/17/2014
  • 05/mo
  • 07/01/2014
  • 1.98%
  • $10,500.00
  • 08/01/2014
  • 01 lump sum
  • 07/01/2014
  • 9.93%
  • $293.00
  • 12/17/2014
  • 01/17/2015
  • 02/mo
  • 07/01/2014
  • 0.55%
  • $330.75
  • 02/17/2015
  • 01/01/2016
  • 12/mo
  • 07/01/2014
  • 3.75%
  • $10,500.00
  • 08/01/2015
  • 01 lump sum
  • 07/01/2014
  • 9.93%
  • $368.98
  • 02/17/2016
  • 01/17/2017
  • 12/mo
  • 07/01/2014
  • 4.19%
  • $408.74
  • 02/17/2017
  • 01/17/2018
  • 12/mo
  • 07/01/2014
  • 4.64%
  • $450.09
  • 02/17/2018
  • 01/17/2019
  • 12/mo
  • 07/01/2014
  • 5.11%
  • $493.10
  • 02/17/2019
  • 01/17/2020
  • 12/mo
  • 07/01/2014
  • 5.6%
  • $125.00
  • 02/17/2020
  • 01/17/2021
  • 12/mo
  • 07/01/2014
  • 1.42%
  • $155.00
  • 02/17/2021
  • 01/17/2022
  • 12/mo
  • 07/01/2014
  • 1.76%
  • $186.20
  • 02/17/2022
  • 01/17/2023
  • 12/mo
  • 07/01/2014
  • 2.11%
  • $218.64
  • 02/17/2023
  • 01/17/2024
  • 12/mo
  • 07/01/2014
  • 2.48%
  • $252.39
  • 02/17/2024
  • 01/17/2025
  • 12/mo
  • 07/01/2014
  • 2.87%
  • $287.48
  • 02/17/2025
  • 01/17/2026
  • 12/mo
  • 07/01/2014
  • 3.26%
  • $323.99
  • 02/17/2026
  • 01/17/2027
  • 12/mo
  • 07/01/2014
  • 3.68%
  • $125.00
  • 02/17/2027
  • 01/17/2028
  • 12/mo
  • 07/01/2014
  • 1.42%
  • $155.00
  • 02/17/2028
  • 03/17/2028
  • 02/mo
  • 07/01/2014
  • 0.29%
  • $580.00
  • 04/17/2028
  • 01/17/2029
  • 10/mo
  • 07/01/2014
  • 5.49%
  • $1,068.26
  • 02/17/2029
  • 07/17/2030
  • 12/mo
  • 07/01/2014
  • 12.13%
  • $1,150.99
  • 02/17/2030
  • 01/17/2031
  • 12/mo
  • 07/01/2014
  • 13.07%
  • $1,237.03
  • 02/17/2031
  • 01/17/2032
  • 12/mo
  • 07/01/2014
  • 14.04%
  • $1,326.51
  • 02/17/2032
  • 01/17/2033
  • 12/mo
  • 07/01/2014
  • 15.06%
  • $1,419.57
  • 02/17/2033
  • 01/17/2034
  • 12/mo
  • 07/01/2014
  • 16.11%
  • $2,543.03
  • 02/17/2034
  • 01/17/2035
  • 12/mo
  • 07/01/2014
  • 28.87%
Deferred Income - PERIOD CERTAIN PAYMENTS
reserve CDs: The Secondary Market
  • $41,137.17
  • Transamerica
  • 4.25%
  • 33.7%
  • $55,000.00
  • 9 years
  • 00766
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $25,000.00
  • 11/18/2018
  • 01 lump sum
  • 07/01/2014
  • 60.77%
  • $30,000.00
  • 11/18/2023
  • 01 lump sum
  • 07/01/2014
  • 72.93%
reserve CDs: The Secondary Market
  • $247,996.95
  • American General
  • 4.5%
  • 57.05%
  • $389,470.00
  • 12 years
  • 07541
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $8,079.70
  • 11/15/2022
  • 08/15/2023
  • 10/mo
  • 07/01/2014
  • 32.58%
  • $8,322.09
  • 09/15/2023
  • 08/15/2026
  • 36/mo
  • 3.0%/ $8,828.91
  • 07/01/2014
  • 40.27%
reserve CDs: The Secondary Market
  • $144,644.63
  • Symetra
  • 4.5%
  • 52.64%
  • $220,791.60
  • 15 years
  • 04355
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $1,839.93
  • 06/01/2019
  • 05/01/2029
  • 120/mo
  • 08/01/2014
  • 15.26%
reserve CDs: The Secondary Market
  • $56,323.67
  • Metlife
  • 5.25%
  • 143.06%
  • $136,900.00
  • 24 years
  • 01659
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $5,476.00
  • 03/09/2026
  • 03/09/2038
  • 55 semi-annual
  • 07/01/2014
  • 19.44%
reserve CDs: The Secondary Market
  • $68,397.60
  • Aviva
  • 5.0%
  • 113.43%
  • $145,980.00
  • 24 years
  • 02793
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $811.00
  • 02/14/2023
  • 01/14/2038
  • 180/mo
  • 08/01/2014
  • 14.23%
reserve CDs: The Secondary Market
  • $41,642.22
  • Liberty Life
  • 5.375%
  • 194.32%
  • $122,560.38
  • 28 years
  • 00817
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $770.82
  • 12/01/2028
  • 02/01/2042
  • 159/mo
  • 07/01/2014
  • 22.21%
Deferred Income with Lump Sum - PERIOD CERTAIN PAYMENTS
reserve CDs: The Secondary Market
  • $108,161.84
  • Metlife
  • 4.75%
  • 157.09%
  • $278,071.00
  • 29 years
  • 04760
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $500.00
  • 03/01/2029
  • 05/01/2043
  • 171/mo
  • 08/01/2014
  • 5.55%
  • $30,000.00
  • 05/21/2030
  • 01 lump sum
  • 08/01/2014
  • 27.74%
  • $162,571.00
  • 05/21/2035
  • 01 lump sum
  • 08/01/2014
  • 150.3%
Short-term Lump Sum - PERIOD CERTAIN PAYMENTS
reserve CDs: The Secondary Market
  • $61,160.67
  • Monumental
  • 4.5%
  • 30.8%
  • $80,000.00
  • 10 years
  • 00896
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $15,000.00
  • 10/01/2014
  • 01 lump sum
  • 08/01/2014
  • 24.53%
  • $30,000.00
  • 10/01/2019
  • 01 lump sum
  • 08/01/2014
  • 49.05%
  • $35,000.00
  • 10/01/2024
  • 01 lump sum
  • 08/01/2014
  • 57.23%
reserve CDs: The Secondary Market
  • $26,946.93
  • Genworth
  • 4.5%
  • 57.72%
  • $42,500.00
  • 11 years
  • 00597
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $5,000.00
  • 07/01/2020
  • 01 lump sum
  • 07/01/2014
  • 18.55%
  • $37,500.00
  • 07/01/2025
  • 01 lump sum
  • 07/01/2014
  • 139.16%
reserve CDs: The Secondary Market
  • $83,548.24
  • Sentry Insurance
  • 4.5%
  • 43.63%
  • $120,000.00
  • 11 years
  • 01951
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $70,000.00
  • 02/23/2021
  • 01 lump sum
  • 07/01/2014
  • 83.78%
  • $50,000.00
  • 02/23/2025
  • 01 lump sum
  • 07/01/2014
  • 59.85%
reserve CDs: The Secondary Market
  • $45,272.20
  • John Hancock
  • 4.75%
  • 58.11%
  • $71,582.00
  • 12 years
  • 00869
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $30,000.00
  • 08/11/2021
  • 01 lump sum
  • 07/01/2014
  • 66.27%
  • $41,582.00
  • 08/11/2026
  • 01 lump sum
  • 07/01/2014
  • 91.85%
Long-term Lump Sum - PERIOD CERTAIN PAYMENTS
reserve CDs: The Secondary Market
  • $54,657.86
  • Ohio Life
  • 5.25%
  • 128.7%
  • $125,000.00
  • 16 years
  • 01966
  • note CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $125,000.00
  • 09/01/2030
  • 01 lump sum
  • 07/01/2014
  • 228.7%
reserve CDs: The Secondary Market
  • $77,788.84
  • Aviva
  • 5.0%
  • 67.12%
  • $130,000.00
  • 16 years
  • 01487
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $15,000.00
  • 06/15/2015
  • 01 lump sum
  • 07/01/2014
  • 19.28%
  • $15,000.00
  • 06/15/2020
  • 01 lump sum
  • 07/01/2014
  • 19.28%
  • $50,000.00
  • 06/15/2025
  • 01 lump sum
  • 07/01/2014
  • 64.28%
  • $50,000.00
  • 06/15/2030
  • 01 lump sum
  • 07/01/2014
  • 64.28%
LIFE-CONTINGENT PAYMENTS
reserve CDs: The Secondary Market
  • $49,724.93
  • Allstate
  • 6.375%
  • 501.27%
  • $298,980.00
  • 39 years
  • 01800
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Priced as of
  • Annual payout rate
  • $1,359.00
  • 05/04/2035
  • 08/04/2053
  • 220/mo
  • 08/01/2014
  • 32.8%
Recently Sold Offers
noreserve CDs: The Secondary Market
  • Price
  • Provider
  • Rate
  • Payout
  • Maturity
  • Case ID
  • nonote CDs: The Secondary Market
  • $123,362.35
  • Transamerica
  • 5.875%
  • $447,957.64
  • 23 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $447,957.64
  • 02/03/2037
  • 01 lump sum
  • 07/01/2014
  • $49,947.57
  • Pacific Life
  • 3.75%
  • $53,542.96
  • 02 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $53,542.96
  • 06/21/2016
  • 01 lump sum
  • 08/01/2014
  • $129,329.79
  • Hartford
  • 4.75%
  • $208,384.80
  • 21 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $868.27
  • 09/03/2015
  • 08/03/2035
  • 240/mo
  • 08/01/2014
  • $35,882.82
  • Genworth
  • 3.75%
  • $40,486.00
  • 10 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $618.00
  • 07/01/2014
  • 02/01/2017
  • 32/mo
  • 07/01/2014
  • $368.00
  • 03/01/2017
  • 02/01/2020
  • 36/mo
  • 07/01/2014
  • $118.00
  • 03/01/2020
  • 03/01/2020
  • 01/mo
  • 07/01/2014
  • $153.00
  • 04/01/2020
  • 03/01/2024
  • 48/mo
  • 07/01/2014
  • $38,645.74
  • Allstate
  • 4.75%
  • $65,000.00
  • 15 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $50,000.00
  • 08/25/2024
  • 01 lump sum
  • 07/01/2014
  • $15,000.00
  • 08/25/2029
  • 01 lump sum
  • 07/01/2014
  • $194,647.25
  • Hartford
  • 4.75%
  • $337,500.00
  • 24 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,250.00
  • 03/15/2016
  • 08/15/2038
  • 270/mo
  • 08/01/0214
  • $89,343.43
  • Hartford
  • 4.75%
  • $140,250.00
  • 21 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $550.00
  • 07/01/2014
  • 09/01/2035
  • 255/mo
  • 07/01/2014
  • $52,526.64
  • Metlife
  • 5.5%
  • $106,414.47
  • 29 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $318.27
  • 06/14/2015
  • 02/14/2016
  • 09/mo
  • 06/01/2014
  • $327.82
  • 03/14/2016
  • 02/14/2018
  • 24/mo
  • 3.0%/ $337.65
  • 06/01/2014
  • $300.00
  • 03/14/2018
  • 02/14/2023
  • 60/mo
  • 3.0%/ $337.65
  • 06/01/2014
  • $300.00
  • 03/14/2023
  • 02/14/2028
  • 60/mo
  • 3.0%/ $337.65
  • 06/01/2014
  • $300.00
  • 03/14/2028
  • 02/14/2033
  • 60/mo
  • 3.0%/ $337.65
  • 06/01/2014
  • $300.00
  • 03/14/2033
  • 02/14/2038
  • 60/mo
  • 3.0%/ $337.65
  • 06/01/2014
  • $300.00
  • 03/14/2038
  • 02/14/2043
  • 60/mo
  • 3.0%/ $337.65
  • 06/01/2014
  • $121,669.09
  • Metlife
  • 4.0%
  • $154,720.00
  • 07 years
  • SWAQ-100066
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $760.00
  • 01/15/2019
  • 12/15/2024
  • 72/mo
  • 08/01/2014
  • $25,000.00
  • 08/01/2018
  • 08/01/2021
  • 04 annual
  • 08/01/2014
  • $113,916.81
  • John Hancock
  • 6.5%
  • $750,000.00
  • 32 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $500,000.00
  • 06/27/2043
  • 01 lump sum
  • 07/01/2014
  • $250,000.00
  • 06/27/2046
  • 01 lump sum
  • 07/01/2014
  • $154,792.87
  • Transamerica
  • 5.0%
  • $251,246.43
  • 22 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $962.63
  • 07/18/2014
  • 03/18/2036
  • 261/mo
  • 07/01/2014
  • $157,464.21
  • Prudential
  • 4.5%
  • $225,000.00
  • 12 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $25,000.00
  • 02/22/2017
  • 01 lump sum
  • 07/01/2014
  • $50,000.00
  • 02/22/2020
  • 01 lump sum
  • 07/01/2014
  • $75,000.00
  • 02/22/2023
  • 01 lump sum
  • 07/01/2014
  • $75,000.00
  • 02/22/2026
  • 01 lump sum
  • 07/01/2014
  • $296,702.29
  • Metlife
  • 4.5%
  • $400,000.00
  • 11 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $100,000.00
  • 06/04/2015
  • 01 lump sum
  • 07/01/2014
  • $100,000.00
  • 06/04/2020
  • 01 lump sum
  • 07/01/2014
  • $200,000.00
  • 06/04/2025
  • 01 lump sum
  • 07/01/2014
  • $59,713.12
  • Pacific Life
  • 5.0%
  • $132,085.98
  • 23 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $850.71
  • 06/06/2022
  • 04/06/2023
  • 11/mo
  • 06/01/2014
  • $438.21
  • 05/06/2023
  • 05/06/2023
  • 01/mo
  • 06/01/2014
  • $472.24
  • 06/06/2023
  • 05/06/2037
  • 156/mo
  • 4.0%/ $756.07
  • 06/01/2014
  • $2,338.99
  • 06/06/2036
  • 05/06/2037
  • 12/mo
  • 06/01/2014
  • $55,530.45
  • MetLife
  • 4.0%
  • $74,926.80
  • 15 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $416.26
  • 01/18/2015
  • 12/18/2029
  • 180/mo
  • 07/01/2014
  • $193,008.41
  • Metlife
  • 5.0%
  • $321,975.18
  • 14 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $9,734.52
  • 10/01/2020
  • 08/01/2022
  • every other month for 12/mo
  • 07/01/2014
  • $11,284.98
  • 10/01/2025
  • 08/01/2028
  • every other month for 18/mo
  • 3.0%/ $11,623.53
  • 07/01/2014
  • $172,824.73
  • American General
  • 5.25%
  • $409,700.00
  • 23 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $164,850.00
  • 10/01/2027
  • 01 lump sum
  • 07/01/2014
  • $164,850.00
  • 10/01/2032
  • 01 lump sum
  • 07/01/2014
  • $80,000.00
  • 10/01/2037
  • 01 lump sum
  • 07/01/2014
  • $56,068.56
  • Metlife
  • 4.25%
  • $71,336.00
  • 09 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $964.00
  • 04/23/2017
  • 05/23/2023
  • 74/mo
  • 07/01/2014
  • $109,085.83
  • Metlife
  • 4.25%
  • $130,000.00
  • 09 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $20,000.00
  • 08/01/2014
  • 001 lump sum
  • 07/01/2014
  • $20,000.00
  • 08/01/2015
  • 001 lump sum
  • 07/01/2014
  • $20,000.00
  • 08/01/2016
  • 001 lump sum
  • 07/01/2014
  • $30,000.00
  • 02/12/2020
  • 001 lump sum
  • 07/01/2014
  • $40,000.00
  • 02/12/2023
  • 001 lump sum
  • 07/01/2014
  • $84,781.48
  • Metlife
  • 3.75%
  • $97,728.00
  • 08 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,018.00
  • 06/01/2014
  • 05/01/2022
  • 96/mo
  • 06/01/2014
  • $41,137.17
  • Transamerica
  • 4.25%
  • $55,000.00
  • 09 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $25,000.00
  • 11/18/2018
  • 01 lump sum
  • 07/01/2014
  • $30,000.00
  • 11/18/2023
  • 01 lump sum
  • 07/01/2014
  • $52,456.38
  • Metlife
  • 3.75%
  • $59,031.64
  • 03 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $59,031.64
  • 09/16/2017
  • 01 lump sum
  • 07/01/2014
  • $24,286.57
  • Metlife
  • 3.75%
  • $26,703.19
  • 03 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $26,703.19
  • 01/29/2017
  • 01 lump sum
  • 07/01/2014
  • $67,658.50
  • Allstate
  • 6.125%
  • $303,496.45
  • 29 Years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $3,257.12
  • 03/01/2036
  • 03/01/2043
  • 85/mo
  • 3.0%/ $4,005.85
  • 06/01/2014
  • $204,462.03
  • Aviva
  • 4.0%
  • $265,668.00
  • 14 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,572.00
  • 06/01/2014
  • 06/01/2028
  • 169/mo
  • 06/01/2014
  • $67,211.02
  • Berkshire Hathaway
  • 5.0%
  • $146,160.00
  • 32 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $290.00
  • 01/01/2015
  • 12/01/2026
  • 144/mo
  • 07/01/2014
  • $435.00
  • 01/01/2027
  • 12/01/2046
  • 240/mo
  • 07/01/2014
  • $197,066.81
  • Monumental
  • 5.75%
  • $690,000.00
  • 31 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $150,000.00
  • 04/11/2030
  • 01 lump sum
  • 07/01/2014
  • $200,000.00
  • 04/11/2035
  • 01 lump sum
  • 07/01/2014
  • $200,000.00
  • 04/11/2040
  • 01 lump sum
  • 07/01/2014
  • $140,000.00
  • 04/11/2045
  • 01 lump sum
  • 07/01/2014
  • $134,502.43
  • Metlife
  • 4.25%
  • $177,643.20
  • 14 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $777.60
  • 10/27/2017
  • 09/27/2028
  • 132/mo
  • 07/01/2014
  • $75,000.00
  • 10/27/2018
  • 01 lump sum
  • 07/01/2014
  • $77,280.88
  • John Hancock
  • 3.75%
  • $92,229.98
  • 10 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $781.61
  • 07/29/2014
  • 04/29/2024
  • 118/mo
  • 07/01/2014
  • $306,655.30
  • NY Life
  • 6.25%
  • $1,651,688.61
  • 30 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $5,958.92
  • 07/21/2038
  • 12/21/2038
  • 06/mo
  • 07/01/2014
  • $6,256.87
  • 01/21/2039
  • 12/21/2043
  • 60/mo
  • 5.0%/ $7,243.11
  • 07/01/2014
  • $82,078.71
  • 01/21/2039
  • 01/21/2044
  • 06 annual
  • 4.0%/ $99,861.30
  • 07/01/2014
  • $46,569.59
  • 01/21/2043
  • 12/21/2043
  • 12/mo
  • 07/01/2014
  • $48,898.07
  • 01/21/2044
  • 02/21/2044
  • 02/mo
  • 07/01/2014
  • $32,924.47
  • Metlife
  • 4.25%
  • $40,000.00
  • 07 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $17,500.00
  • 06/29/2016
  • 01 lump sum
  • 07/01/2014
  • $22,500.00
  • 06/29/2021
  • 01 lump sum
  • 07/01/2014
  • $39,242.59
  • Hartford
  • 4.25%
  • $52,399.32
  • 10 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $569.87
  • 12/15/2017
  • 11/15/2024
  • 84/mo
  • 3.0%/ $680.45
  • 07/01/2014
  • $390,788.66
  • Monumental
  • 4.25%
  • $591,334.44
  • 19 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,509.84
  • 06/26/2014
  • 01/26/2015
  • 08/mo
  • 06/26/2014
  • $1,555.13
  • 02/26/2015
  • 01/26/2018
  • 36/mo
  • 3.0%/ $1,649.84
  • 06/26/2014
  • $2,336.94
  • 02/26/2018
  • 01/26/2033
  • 180/mo
  • 3.0%/ $3,534.83
  • 06/26/2014
  • $129,747.49
  • Metlife
  • 3.5%
  • $150,000.00
  • 04 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $150,000.00
  • 09/15/2018
  • 01 lump sum
  • 07/01/2014
  • $25,908.46
  • Genworth
  • 3.75%
  • $31,560.00
  • 10 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $263.00
  • 01/21/2015
  • 12/21/2024
  • 120/mo
  • 07/01/2014
  • $37,727.38
  • MetLife
  • 4.25%
  • $51,942.80
  • 16 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $285.40
  • 01/15/2015
  • 02/15/2030
  • 182/mo
  • 07/01/2014
  • $119,419.67
  • American General
  • 5.25%
  • $264,000.00
  • 21 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $2,200.00
  • 04/04/2025
  • 03/04/2035
  • 120/mo
  • 07/01/2014
  • $111,528.50
  • Presidential
  • 5.75%
  • $308,808.00
  • 29 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,286.70
  • 09/06/2023
  • 08/06/2043
  • 240/mo
  • 07/01/2014
  • $211,821.54
  • Symetra
  • 4.75%
  • $390,740.00
  • 26 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,215.00
  • 05/15/2016
  • 09/15/2025
  • 113/mo
  • 07/01/2014
  • $1,465.00
  • 10/15/2025
  • 02/15/2040
  • 173/mo
  • 07/01/2014
  • $27,284.86
  • Statefarm
  • 4.0%
  • $30,000.00
  • 05 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $15,000.00
  • 07/16/2014
  • 01 lump sum
  • 07/01/2014
  • $15,000.00
  • 07/16/2019
  • 01 lump sum
  • 07/01/2014
  • $208,835.45
  • Monumental
  • 5.25%
  • $476,800.00
  • 30 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $600.00
  • 06/28/2019
  • 12/28/2042
  • 283/mo
  • 07/01/2014
  • $1,000.00
  • 06/28/2019
  • 12/28/2044
  • 307/mo
  • 07/01/2014
  • $80,398.37
  • Symetra
  • 4.25%
  • $100,000.00
  • 08 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $50,000.00
  • 04/15/2017
  • 01 lump sum
  • 06/01/2014
  • $50,000.00
  • 04/15/2022
  • 01 lump sum
  • 06/01/2014
  • $110,090.56
  • US Life NY
  • 3.75%
  • $124,685.92
  • 07 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,502.24
  • 07/15/2014
  • 05/15/2021
  • 83/mo
  • 07/01/2014
  • $19,573.10
  • Riversource Life
  • 3.75%
  • $21,811.68
  • 06 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $302.94
  • 05/15/2014
  • 04/15/2020
  • 72/mo
  • 05/01/2014
  • $118,410.65
  • John Hancock
  • 5.0%
  • $328,000.00
  • 27 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,000.00
  • 01/29/2026
  • 04/29/2035
  • 112/mo
  • 06/01/2014
  • $3,000.00
  • 05/29/2035
  • 04/29/2041
  • 72/mo
  • 06/01/2014
  • $126,223.81
  • Mass Mutual
  • 4.25%
  • $215,575.00
  • 22 Years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $580.00
  • 06/18/2014
  • 12/18/2033
  • 235/mo
  • 06/01/2014
  • $2,265.00
  • 01/18/2034
  • 11/18/2036
  • 35/mo
  • 06/01/2014
  • $76,670.74
  • Genworth
  • 4.0%
  • $101,278.80
  • 15 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $562.66
  • 06/03/2014
  • 05/03/2029
  • 180/mo
  • 06/01/2014
  • $166,742.59
  • Monumental
  • 4.0%
  • $220,957.20
  • 15 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,227.54
  • 07/02/2014
  • 06/02/2029
  • 180/mo
  • 06/01/2014
  • $42,018.37
  • Allstate
  • 4.25%
  • $61,620.00
  • 20 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $260.00
  • 06/15/2014
  • 02/15/2034
  • 237/mo
  • 06/01/2014
  • $154,560.74
  • AIG
  • 4.25%
  • $233,008.00
  • 19 years
  • nonote CDs: The Secondary Market
  • Payout
  • Start Date
  • End Date
  • Payment/Period
  • COLA/Amount
  • Date
  • $1,100.00
  • 05/01/2014
  • 12/01/2015
  • 20/mo
  • 03/01/2014
  • $726.00
  • 01/01/2016
  • 04/01/2023
  • 88/mo
  • 03/01/2014
  • $1,226.00
  • 05/01/2023
  • 04/01/2033
  • 120/mo
  • 03/01/2014
DISCLOSURES

Secondary Market Income Annuities (SMIA): Factored Structured Settlements (FSS) & Lottery Winnings (LW)

SMIA, FSS & LW are not deposits and are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other government agency.

SMIA, FSS & LW are subject to interest rate risk. Market interest rates may rise while the rate of return on the SMIA, FSS or LW is locked in and fixed. Conversely the opposite is true if rates fall, e.g. a 6% SMIA yield is more valuable in a 4% rate environment than it is in an 8% one.

SMIA, FSS & LW reflect monetized U.S. Dollars. Foreign Buyers may be subject to currency exchange risk, e.g. if their home country currency strengthens against the U.S. Dollar then it will negatively impact this investment when exchanged back into the foreign currency. If the foreign currency weakens against the U.S. Dollar then it will enhance the overall yield when exchanged back into the country of orgin's currency.

SMIA, FSS & LW The purchaser understands they are buying an income stream and or lump sum payments. Therefore the liquidity is limited to the payment(s) being purchased. There is not a cash value nor a liquidation value nor the option to commute the value for this investment. The purchaser understands these structured assets should never be purchased with emergency funds and or money the purchaser will need before the stated cash flows.

SMIA, FSS & LW Factored Structured Settlement payment rights are transferred by the Payee, funded by an annuity and issued by a life insurance company. The transaction is reviewed and approved by a court, under court order, in accordance with an applicable state transfer statute and IRC-5891. State Lottery Payments are transferred to the Purchaser via court order by the winner pursuant to State Lottery Transfer Laws. The tax a Purchaser pays on a SMIA, FSS or LW depends on the Purchaser's jurisdiction of citizenship and jurisdiction of residency, as well as U.S. tax laws. Somerset Wealth Strategies expresses no opinion on Purchaser's tax obligations and recommends that Purchaser consult his tax advisor accordingly.

* Interest, payment, and price figures utilized in court documents and closing documents are calculated using Tvalue TM Amortization Software, the industry standard, using an Effective Interest Rate with a Monthly Compounding formula as term and condition. Where there is any variation from the listing sheet, the contract entered into by Purchaser will prevail, information is subject to the final documents, is subject to change, and is not guaranteed.

** BENCHMARKS - Certificate of Deposit (CD) rates are obtained through Bank Rate.com; Treasury Rates are obtained from U.S. Treasury.gov; Fixed Annuity Rates are obtained through Annuity FYI and Annuity Rate Watch.

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