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hi this is greg maxwell with amicus settlement planners and i know we talk a lot on these videos about structured settlement annuities but i also want to talk about a type of annuity that we use often in settlement plans that is not a structured settlement annuity a fixed income annuity and the differences between the two so in a structured settlement annuity you have to set it up at the time of settlement and you have to determine what those future payments are going to be at the time of settlement and those payments are then fixed and determinable and really you cant change them you cant access cash from that annuity if you need to its fixed and its set and so sometimes thats fine but sometimes it makes more sense to have a little bit more flexibility and so a fixed income annuity is essentially an annuity that generally has some kind of guarantee against loss but it also allows for some market rates of return inside the annuity thats usually capped at some amount but it does
