A Structured Settlement Calculator is now available on the Structured Settlement cash site. The free online structured settlement calculator gives an accurate estimate of exactly how much the annuitant’s structured settlement is valued at. Roger Byrne, director of SSC, is delighted to introduce this intuitive online calculator into the internet marketing world. “Offshore companies looking for annuity leads in the UK must look to the internet for fast and easy access to these life annuities,” says Mr. Byrne. “By accessing a calculator online you can calculate how much your structured settlement would be immediately, easily and affordably.” The calculator determines the life expectancy of the annuitant and the lump sum payment amount in UK.

The structured settlement calculator determines the annuitant’s taxable income versus the initial premiums paid, the effective discount rate and lifetime payments. It is assumed that all future annuities will be funded on a tax-deferred basis. The life expectancy table also indicates how much the annuitant will receive upon retirement and at what age he/she will attain the full benefit. The lump sum payment amount in the UK is determined by the UK annuitant’s age and current annual salary. These figures are entered into the structured settlement calculator to obtain the anticipated lump sum payment amount. When the information required is entered, the expected structured settlement purchase price is displayed.

Life annuities are a product of the financial crisis today. Annuitants, who invest in them, can reap high rates of return while paying low or no taxes in the future. To make the most of them, investors need to know their likely returns. The structured settlement calculator enables the annuitant to choose the type of payments he/she wishes to have and the rate of return he/she expects. The lump sum payment amounts to be made at the time of settlement are also determined by this feature.

This tool is used by financial institutions and insurance companies to assess the value of a potential annuity so that they can buy them for a lower cost. The main reason to use this is that they may offer structured settlement payments in combination with some other products that are readily available in the market. For example, they may offer annuity payments alongside an annuity rate of interest or in combination with universal life or other life policies. The lump sum payment amount and other terms may differ from company to company. To make best use of these tools, it is necessary for the investor to select a reliable online financial firm.

In case of universal life policies, the expected cash flow over the period of time to finish the whole plan remains unchanged regardless of the changes in stock market prices, for example. Therefore, one should not consider the lump sum amount in this context. The lump sum amount represents the initial investment that an investor has made in the policy, not the future payments. It is important to understand that annuities and annuity rates play a vital role in determining the amount of money to be paid as lump sum payments. A reliable financial company will be able to calculate the lump sum amount using reliable data and inputs like average cost of capital, expected returns, mortality effect etc.

Annuity rates are useful for calculating the present value of future payments of structured settlements. However, they do not provide information on the taxes which would have to be paid over the lifetime of the settlement payments. Using reliable financial resources for settlement investments is a key to securing the future of the settlements. To get best results, one should consult with a trained financial expert.