When we say "Wholesale Income™" we refer to period certain, fixed-term annuity payments that are purchased in a ‘secondary market’ transaction, at a discounted, "wholesale" price that is normally available only to industry insiders.

These discounted payment streams have also been called "‘Secondary Market Annuity Contracts", "Settlement Contracts", "SMA Contracts", and several other names. The bottom line? These are the best safe money assets available on the planet today.

These annuity payment streams belong to individuals who seek to sell their future payments in exchange for cash today in a ‘factoring’ transaction. Typically, the payments are guaranteed and period certain payments awarded to individuals in structured settlements. The right to receive these annuity backed future payments is transferred in a court-ordered and regulated process.

In addition to factored structured settlements, secondary annuity market or SMA secondary market annuities may also refer to in-force period certain annuities or a lottery prize payout. In any situation, these pre-defined, fixed term income streams offer a higher yield because the future payments are sold at a discount.

The vast majority of Secondary Market Annuities we sell, and which we focus on this website, come from structured settlements, whereby the original payee/ recipient decides to sell their future payments for cash today. Through a court-ordered assignment process, purchasers acquire the right to receive the existing payment stream from the current recipient of the income. This discounted sale transaction creates an opportunity for a profitable, safe investment in an in-force payment stream.

Secondary Market Annuities are guaranteed payment streams backed by annuities that individuals sell at a discount.  Purchasers acquire the right to receive payments from these existing and in force annuities, and the payments occur over a specific period of time and offer a fixed rate of return.

This investment in secondary market discount immediate annuities with wholesale pricing is considered to be one of the best vehicles for “safe money” portfolios.

Secondary Market Annuities originate as structured settlement claims.  The insurance companies that offer these fixed and period certain payments are highly rated by Standard & Poor’s and other agencies for claims paying ability.  This makes the Secondary Market Annuities we offer one of the highest yielding, and safest fixed income assets available today.

Yields on Secondary Market Annuities are higher simply because the seller of the payment stream is willing to sell at a discount for cash today.

Clients benefit from that discount and receive a higher yield on the cash flow compared to comparable annuity products available in the open markets.

If you have questions in buying secondary market annuities, please feel free to reach out to us.