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hi Brendan limpet inform Myers Evans Luton and unit 10 please check us out on the web at Myers med Malcolm so today I just want to talk about a really important tax advantage thats available to people that receive a personal injury settlement in medical malpractice or any other type of personal injury case and what Im talking about are called structured settlement annuities so what happened about 25 years ago the United States government changed the tax code and they change the tax code so that whenever somebody that was injured and filed a civil lawsuit and then got money from a personal injury lawsuit if that person chose to protect their money the right way by investing it in a structured settlement annuity then the government changed the tax code to make sure that the money was tax-free which is a huge advantage over a lot of them pretty much any other type of investment vehicle thats out there so I think the best way to think about this is to look at the two ways in which some