Quite simply, there is no other investment vehicle that can guarantee a higher yield than a structure.

As we post this (February 11, 2015), the yield from long-term, 30-year Government of Canada Bonds is 2.04%.  That is almost one full percentage point lower than the return from an equivalent 30 year structured settlement.  In other words, the structure generates almost 40% more yield!

This is without even considering that the structure yield is tax free, and carries absolutely no fees.

Often, plaintiffs considering alternatives to a structure receive proposals from financial advisors suggesting investments that, in their proposals, appear to provide better returns than those from a structured settlement.  These proposals rarely outline in a clear, concise way, that the returns shown are not guaranteed, not tax free, and not without fees.

While yield is an important consideration, it has always been our view that the more compelling reason to structure is the safety and security of payment that the structure provides.  For most of our clients, whose injuries prevent them from returning to work, the structured settlement becomes a guaranteed, tax-free paycheque to replace the one they have lost.

Wouldn’t you rather have a guaranteed pay cheque, than wait each week to see how much (or little) you have to live on this week?