With the wild fluctuations in the economy we have recently been receiving an above average number of phone calls from former clients whose settlements have been structured through A.I.G. Insurance. Many of the structures provide for pay-outs of significant sums over a number of years. The clients have been justifiably concerned about the stability of A.I.G. and the protection of their annuity policy.

Let me start by stating that I am not a financial planner nor an economist. In these uncertain times, however, even those folks need a crystal ball to predict the future. It appears to me that the structured settlements are viable and protected. They should not be affected by the recent instability of the parent company A.I.G. and the intervention of the Federal Government.

It appears reasonably certain that none of the A.I.G companies dealing with structured settlements were involved in the sub-prime mortgage and credit default swap type investments that are at the root cause of the current financial crisis.

The assets of the A.I.G. companies [ 4 out of 130 separate corporations under the umbrella of A.I.G.] involved in the structure settlement annuity business are separate , apart and distinct from the assets of A.I.G. For a more detailed analysis from an expert in the filed see the attached AIG-Analysis in the Context of Structured Settlements monograph.