1. Structured Settlements – Security for healing Brain Injury Association of Oregon Conference October 6, 2007 Presented by: Selective Settlements of Oregon, LLC

2. A powerful tool supporting recovery  Structured settlements provide risk free payments to claimants  Payments are tailored to meet future needs  Financially secure  Payments are fixed at time structure is put into place

3. The HOW of structured settlements  Structured settlements agreed to at time claim is settled with insurer or defendant  Structured settlement broker works with attorneys, claimants and life care planners to develop flexible payments  Tax Free payments established with highly rated life insurance companies  Payments cannot be changed

4. Flexibility is key  Payments can include monthly income  Cost of living increases can be included  Periodic lump sum payments to cover future expenses such as: College Purchasing a home Future medical needs Retirement Replace lost wages

5. Life Insurance companies that offer structured settlements  Allstate  American General  AVIVA Life  Hartford  John Hancock  Liberty  Metropolitan Life  New York Life  Pacific Life  Prudential  Symetra

6. Structured settlement quote – Utilizing age rating

7. Structured Settlement quote- without using age rating

8. Protection  90% of claimants lump sum settlement is gone within 5 years*  Protect financially unsophisticated people and vulnerable claimants  Competitive rate of return without taxes * “California Practice Guide: Personal Injury”, The Rutter Group Ltd, 1992

9. Obtaining quotes  If you have a case and want to see what a structured settlement can do - what do you do?  E-mail – kayla.aalberg@selectivesettlements.com or lmrask@aol.com kayla.aalberg@selectivesettlements.comlmrask@aol.com  Or give us a call, Kayla at 503-869-6518 or Linda at 503-819-8911