Ringler Associates
Ringler Associates is the largest U.S. structured settlement planning company, designing tax-free annuity-based payment plans for injury victims across 70 offices nationwide since 1975.
- Company typePrivate
- Founded1975
- HeadquartersAliso Viejo, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Ringler Associates does
Ringler Associates, Inc. is the largest U.S. structured settlement planning company, founded in 1975 and headquartered in Newport Beach, California. The firm designs customized settlement plans that convert injury-related legal awards into tax-free periodic payment streams funded by annuities issued by top-rated life insurance carriers (American General, MetLife, Prudential, New York Life, Pacific Life, USAA, Mutual of Omaha, and Berkshire Hathaway). Its service stack includes life care planning, sophisticated damage analysis, Medicare Set-Aside allocation, and special needs trust structuring — capabilities the firm says it pioneered within the structured settlement industry. Since inception, Ringler consultants have reportedly placed more than $33 billion in annuity premiums across 228,000+ settlement plans and participate in roughly one-third of all U.S. structured settlements annually.
Ringler distributes its services through a network of 170+ independent consultant-owners operating across 70 offices in 70 cities nationwide, supported by a corporate team of approximately 100 additional professionals covering finance, marketing, IT, HR, and operations. Revenue is generated via commissions paid by insurance carriers on annuity sales; in most cases, claimants pay no fee for consulting services. The go-to-market motion is consultative and relationship-driven, with consultants embedded in local attorney and insurance adjuster networks and supported by the Ringler Radio podcast, Ringler Insights publication, and a state-by-state consultant directory. The customer base spans injured individuals and their families, plaintiff and defense attorneys, insurance carriers, and Medicare/Medicaid recipients requiring benefits-protective structuring.
The firm is privately held with no public revenue disclosure and no parent company. Leadership transitioned in 2023 with Gerardo Monroy appointed President and CEO (succeeding interim CEO Peter Jachym) and Brian M. Farrell, Jr. named Chairman succeeding Ross Duncan. Ringler is an active member of the National Structured Settlement Trade Association (NSSTA) and supporter of the American Association of People with Disabilities, anchoring its advocacy and industry positioning.
Ringler Associates firmographics
Firmographics- Name
- Ringler Associates
- Legal name
- Ringler Associates, Inc.
- Website
- https://ringlerassociates.com
- Company type
- Private
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Ringler Associates is the largest U.S. structured settlement planning company, designing tax-free annuity-based payment plans for injury victims across 70 offices nationwide since 1975.
- Ownership category
- akta.pro rank
Ringler Associates industry classification
Industry- Product category
- Structured Settlement Planning Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282), Life Insurance (6311)
- akta.pro primary industry
- Structured Settlement Annuities (FSAIACAJ)
Keywords
Where Ringler Associates is headquartered
LocationHeadquarters
- HQ city
- Aliso Viejo
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Ringler Associates business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Annuity Commission Revenue: Ringler consultants are compensated via commissions from the sale of structured settlement annuities and other investment products. The annuity providers (insurance companies) pay the consultant fees as part of the settlement transaction. This is a commission-based model where client services are free to the injured party.
- Consultant Services: In most cases, if a lawsuit is resolved with a structured settlement, the consultant's services are paid by the financial institution that guarantees the future payments. No fees are charged directly to the client.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Free consultant services for structured settlement clients |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Ringler Associates product offering
Product offeringCore offering
Ringler Associates is a professional settlement planning company that helps injury victims, plaintiff attorneys, and insurance professionals structure legal settlements through tax-free structured settlement annuities issued by top-rated life insurance companies. Its independent consultants provide objective, customized settlement plans, life care planning analysis, and Medicare/Medicaid compliance (including Medicare Set-Asides and special needs trusts), coordinating with all parties at the settlement table to deliver long-term, guaranteed payment streams instead of lump-sum payouts.
Product overview
Ringler Associates offers a unified settlement planning platform built around structured settlement annuities—the core financial product. The company's main offering is structured settlement planning services for injured people, with specialized modules for Medicare and Medicaid planning, attorney settlement services, and insurance professional services. Supporting offerings include the Ringler Radio podcast series, and various tools and resources including illustrations and calculators. The platform is fundamentally a service-based model, not a software product, and does not operate on a modular software architecture.
Differentiator
Problem solved
Functional benefit
Brands
- Ringler Radio™: Award-winning podcast series from Ringler covering settlement industry news, nationwide litigation, trends in legal and insurance industries. Producing the podcast since 2005 with over 2.5 million listeners.
- Ringler Insights
Quantifiable outcome
- 57% of lump-sum recipients had nothing left after just a few years, compared to guaranteed structured settlement payments
- +2 more outcomes
Companies that use Ringler Associates
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles3 records
Ringler Associates technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Ringler Associates partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- American General Life CompaniescoreAmerican General Life Companies provides structured settlement annuity products that fund Ringler settlement plans. Ringler works with American General and other major life insurance companies to provide guaranteed, tax-free payment streams for injured parties.
- MetLifecoreMetLife issues structured settlement annuities that back Ringler settlement plans. Ringler recommends annuities backed by top-rated life insurance companies including MetLife.
- Prudential FinancialcorePrudential provides structured settlement annuity products as part of Ringler's network of top-rated life insurance company partners.
- New York LifecoreNew York Life Insurance Company is one of the major life insurance companies providing annuity contracts that fund Ringler structured settlement plans.
- Pacific LifecorePacific Life provides structured settlement annuity products through Ringler's national network of settlement planning consultants.
- USAAcoreUSAA provides structured settlement annuity products that complement Ringler's settlement planning services for military-affiliated and other clients.
- Mutual of OmahacoreMutual of Omaha is among the top-rated insurance companies whose annuity products fund Ringler structured settlement plans.
- Berkshire HathawaycoreBerkshire Hathaway insurance subsidiaries provide structured settlement annuity products as part of Ringler's network of highly-rated insurance company partners.
- National Structured Settlement Trade Association (NSSTA)minorRingler supports and participates in NSSTA as part of its advocacy priorities, connecting with industry peers and advancing the structured settlement profession.
- American Association of People with Disabilities (AAPD)minorRingler supports the AAPD as part of its advocacy priorities, demonstrating commitment to disability rights and ensuring injured people have access to fair settlement solutions.
Scale indicators10 records
Recent moves6 records
Expansion highlights4 records
Ringler Associates competitors and assessment
Company assessmentDirect peers
- Structured Financial Associates: One of the largest independent structured settlement broker firms in the US, directly competing with Ringler for plaintiff attorney, defendant carrier, and claimant relationships. Former employer of Ringler's current National Director of Marketing Andrea Haupert, indicating direct talent and market overlap.
- Alliant Structured Settlements: National independent structured settlement consulting firm placing annuities from major life carriers for personal injury and workers' comp claimants. Competes head-to-head with Ringler in the same consultant-driven, commission-based distribution model.
- Independent Life Settlements / Sage Settlements: Independent structured settlement and life insurance consulting firm serving plaintiff attorneys and injured claimants. Operates in the same annuity-brokerage category with comparable carrier relationships and consultant-driven GTM.
- BidRx Settlements / The Settlement Alliance: Multi-firm alliance of independent structured settlement consultants providing services comparable to Ringler's network model. Competes for the same plaintiff and defense bar relationships with a collective national footprint.
- OMS National Structured Settlements: Independent structured settlement broker with national reach placing annuities for injured claimants. Competes directly with Ringler for plaintiff attorney relationships and workers' compensation settlement planning mandates.
Broad incumbents
- MetLife Structured Settlements: One of Ringler's largest carrier partners, MetLife also issues structured settlement annuities directly and competes with Ringler for placement influence. Represents both a partnership and competitive overlap as a major insurance carrier with in-house settlement capabilities.
- Prudential Financial Structured Settlements: Major annuity issuer and Ringler partner, Prudential operates structured settlement business lines that both supply Ringler and compete for direct carrier placement. Represents the broad incumbent insurance carrier model overlapping with Ringler's broker function.
- Liberty Mutual Structured Settlements: Large national carrier with its own structured settlement desk (formerly Liberty Life), employing former Ringler executives. Operates both as carrier partner and direct competitor in carrier-side structured settlement placements.
Others
- National Structured Settlement Trade Association (NSSTA): Industry trade association of which Ringler is an active member and in which multiple competing structured settlement brokers participate. Represents the broader competitive ecosystem and regulatory advocacy environment for the category.
Emerging players
- Medicare Set-Aside Allocator / Ametros: Specialized MSA administration and settlement planning company focused on Medicare Set-Aside arrangements — directly adjacent to Ringler's Medicare/Medicaid planning services. Represents an emerging technology-enabled specialist in a Ringler service line.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks4 records
Customer concentration
Ringler Associates social profiles
Digital presenceRingler Associates financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ringler Associates leadership team
Management profileNumber of profiles
Profiles12 records
Ringler Associates funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ringler Associates M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ringler Associates
What does Ringler Associates do?
Ringler Associates is a professional settlement planning company that helps injury victims, plaintiff attorneys, and insurance professionals structure legal settlements through tax-free structured settlement annuities issued by top-rated life insurance companies. Its independent consultants provide objective, customized settlement plans, life care planning analysis, and Medicare/Medicaid compliance (including Medicare Set-Asides and special needs trusts), coordinating with all parties at the settlement table to deliver long-term, guaranteed payment streams instead of lump-sum payouts.
Is Ringler Associates a public or private company?
Ringler Associates is a private company. It is classified as unknown and is currently operating.
When was Ringler Associates founded?
Ringler Associates was founded in 1975. It employs 251 to 500 people.
Where is Ringler Associates based?
Ringler Associates is headquartered in Aliso Viejo, United States, in the North America region.
How does Ringler Associates make money?
Two revenue lines are on record. Annuity Commission Revenue is the primary driver. The others are consultant Services.
Who are Ringler Associates's main competitors?
Direct peers on record are Structured Financial Associates, Alliant Structured Settlements, Independent Life Settlements / Sage Settlements, BidRx Settlements / The Settlement Alliance and OMS National Structured Settlements. Broad incumbents are MetLife Structured Settlements, Prudential Financial Structured Settlements and Liberty Mutual Structured Settlements. National Structured Settlement Trade Association (NSSTA) is listed as an others. Medicare Set-Aside Allocator / Ametros is listed as an emerging player.
Does Ringler Associates have an API?
No public API is recorded for Ringler Associates.
What industry is Ringler Associates in?
Ringler Associates's product category is Structured Settlement Planning Services. Its primary akta.pro industry code is FSAIACAJ, Structured Settlement Annuities. Its NAICS code is 5242 and its SIC code is 6282.