JCR Settlements
- Company typePrivate
- Founded2014
- HeadquartersScottsdale, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
JCR Settlements firmographics
Firmographics- Name
- JCR Settlements
- Legal name
- JCR Settlements, LLC
- Website
- https://jcrsettlements.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
JCR Settlements industry classification
Industry- Product category
- Structured Settlement Brokerage
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311)
- akta.pro primary industry
- Structured Settlement Annuities (FSAIACAJ)
Keywords
Where JCR Settlements is headquartered
LocationHeadquarters
- HQ city
- Scottsdale
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
JCR Settlements business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Annuity Commission Revenue: JCR Settlements acts as a structured settlement brokerage, earning commissions from life insurance companies (annuity carriers) that fund structured settlement annuities. Commissions are paid by the life markets when a structured settlement annuity is placed. The company states all life markets pay the same commission rate, eliminating any incentive to favor one carrier over another. No out-of-pocket expenses are charged to clients for structured settlement consulting or quoting services.
- MSA Allocation Report Fees: JCR Settlements charges fees for the preparation of Medicare Set-Aside (MSA) Allocation Reports. These reports are prepared by a team of nurses who review claimant medical history and assemble the allocation report with appropriate ICD-9 and ICD-10 codes. Fees for MSA Allocation reports range from $1,850 to $3,500.
- Attorney Fee Deferral Services: JCR provides unique tax-deferral options for contingency fee attorneys, enabling them to defer tax obligations on portions of their fees and earn interest on those deferred amounts. This creates an additional revenue stream through professional service fees associated with designing and administering attorney fee annuity solutions.
- Investment Management (Garrison Financial): Through the affiliated company Garrison Financial, LLC (led by Ryan J. Garrison, EVP of JCR), JCR provides securities and advisory services to injury victims and trial lawyers. Garrison Financial offers advisory services through United Planners Financial Services of America, Member FINRA/SIPC, generating advisory fees for investment management services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | One time | MSA Allocation Report — Base |
| Other | One time | MSA Allocation Report — Rush |
| One time/ perpetual license | Pay-as-you-go | Fixed Rate Structured Installment Sale — MetLife |
| One time/ perpetual license | Pay-as-you-go | Index-Linked Structured Installment Sale — Independent Life |
| Other | Multi-year contract | Structured Settlement — Commission-Based (Free to Client) |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels7 records
JCR Settlements product offering
Product offeringCore offering
JCR Settlements is a structured settlement brokerage that designs, quotes, and places structured settlement annuities with major life insurance carriers (AIG, MetLife, Prudential, Pacific Life, New York Life, USAA, Mutual of Omaha, Independent Life) for personal injury and wrongful death claims. The firm also prepares Medicare Set-Aside (MSA) Allocation Reports, provides attorney fee deferral solutions, structured installment sales for asset sellers, structured NIL agreements for student athletes, and complementary trust, lien resolution, and government benefit preservation services. Investment management is delivered through affiliated entity Garrison Financial, LLC.
Product overview
JCR Settlements, LLC is a settlement planning firm offering a comprehensive suite of financial products centered around structured settlements and tax-deferral solutions. The core offerings include Structured Settlements for personal injury claims, Structured NIL Agreements for student athletes, and Structured Installment Sales for business/property sellers. These are complemented by Medicare Set-Asides, Attorney Fee Deferrals, Qualified Settlement Funds, Trust Planning, Lien Resolution, Investment Management, Charitable Gift Annuities, and Government Benefit Preservation services. The company also offers specific annuity products including the iStructure Index Linked Annuity (via Independent Life) and Fixed Rate Structured Installment Sales (via MetLife). The firm operates nationwide with 12 office locations and serves defense clients, trial lawyers, and injured parties.
Differentiator
Problem solved
Functional benefit
Products and services
- Structured Settlements Financial planning tool for personal injury and wrongful death settlements that provides guaranteed, tax-free income streams through fixed annuity products, governed by IRS Code Section 104(a)(2). Designed for plaintiffs, defense counsel, and insurance carriers seeking cost-effective claim resolution.
- Structured NIL Agreements (SNILA) Annuity solutions for student athletes to defer tax obligations on Name, Image, and Likeness contract payments, following IRC Section 409(a) guidelines, providing long-term financial security. Targeted at university athletic departments, NIL collectives, and individual student athletes.
- Structured Installment Sales Tax-deferral strategy using IRC Section 453 for individuals selling businesses, real estate, or appreciated assets, allowing proceeds to grow on a tax-deferred basis through annuity products. Serves business owners, property sellers, and holders of appreciated assets such as art or vehicle collections.
- Medicare Set-Aside (MSA) Allocation Reports Allocation reports and annuity funding solutions to protect Medicare's future interests in settlement cases involving current or expected Medicare beneficiaries. Reports are prepared by a team of nurses using ICD-9 and ICD-10 coding, with rush delivery available within 5 days.
- Attorney Fee Deferrals Tax-deferral options for contingency fee attorneys to defer income and potentially increase returns by earning interest on the government's portion of their fees. Designed for plaintiff trial lawyers seeking tax planning on contingency fee awards.
- Qualified Settlement Funds (QSF/468B Trust) Settlement tool providing time to address litigation issues, allowing defense to fund and be released of claims while claimants receive thorough settlement consultation. Used in complex liability and mass tort matters.
- Investment Management Financial planning and trust creation services for injury victims, provided through Garrison Financial, LLC, focusing on long-term investment returns and investor behavior. Advisory services offered through United Planners Financial Services of America.
- Trust Planning Settlement planning trusts for personal injury victims providing liquidity, flexibility, and protection of proceeds, combinable with structured settlement annuities. Includes special needs trusts and irrevocable trust arrangements.
- Lien Resolution
- Government Benefit Preservation
- Charitable Gift Annuities
Quantifiable outcome
- Over 90% of injury victims spend their whole recovery within 5 years of settlement — JCR helps prevent this through structured settlement planning
- +1 more outcomes
Companies that use JCR Settlements
Customer profileNamed customers7 records
Segments7 records
Ideal customer profiles5 records
JCR Settlements technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
JCR Settlements partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- MetLifecoreMetLife is a key life insurance partner offering fixed-rate structured installment sale annuity products. JCR utilizes MetLife's A+ rated fixed annuity for clients seeking guaranteed annual rate of return with predictable payment amounts. MetLife is featured prominently on the JCR partner page.
- Independent Life Insurance CompanycoreIndependent Life Insurance Company is JCR's key partner for index-linked structured settlement products including the iStructure annuity. Independent Life, in partnership with Franklin Templeton Advisors and Bank of America, created the iStructure Index Linked Annuity used for Structured NIL Agreements and Structured Installment Sales. This is JCR's most prominently featured technology partnership for their innovative product offerings.
- Franklin Templeton AdvisorscoreFranklin Templeton Advisors partnered with Independent Life and Bank of America to create the iStructure Index Linked Annuity, the proprietary investment vehicle powering JCR's Structured NIL Agreements and Structured Installment Sales. Franklin Templeton's Franklin BofA Global Index backs the product.
- Bank of AmericacoreBank of America partnered with Independent Life and Franklin Templeton Advisors to create the iStructure Index Linked Annuity. The Franklin BofA Global Index powers this product, providing uncapped growth potential with a guaranteed payment floor for structured settlement clients.
- MedivestminorMedivest is the preeminent third-party administrator for Medicare Set-Asides referenced by JCR. JCR partners with Medivest to provide complete MSA solutions with the economic benefits of structured settlements and the security of professional administration for their clients.
- Garrison Financial, LLCcoreGarrison Financial, LLC is led by Ryan J. Garrison (EVP of JCR Settlements) and provides investment management and advisory services to JCR's clients. JCR and Garrison Financial work together to provide comprehensive financial solutions to injury victims and trial lawyers. JCR refers clients to Garrison Financial for investment management while Garrison Financial refers clients back to JCR for structured settlement services.
- Amicus Financial Advisors, LLCminorAmicus Financial Advisors, LLC was co-founded by Greg Maxwell (JCR Broker) in 2006. The firm specializes in special-needs planning, government benefit planning, and financial planning for settling plaintiffs. Joe Tombs (JCR Broker) is also a founding member. The firm works closely with JCR in providing comprehensive settlement planning services.
- Tombs Maxwell LLPminorTombs Maxwell LLP is a law firm in which both Greg Maxwell and Joe Tombs (JCR Brokers) are partners. The firm specializes in special-needs planning and provides legal services that complement JCR's structured settlement and financial planning offerings.
- Tory Owens Structures SettlementsminorTory Owens (JCR Broker) founded Tory Owens Structures Settlements and works with attorneys throughout California to create structured settlement annuities. He operates as an affiliated broker under JCR's brokerage.
- Majestic Settlement ConsultantsminorFernandez Anderson (JCR Broker) markets to plaintiff attorneys throughout the southeast as Majestic Settlement Consultants. He operates as an affiliated broker under JCR's network.
- Collaborative SettlementsminorMark Vroman, CFP (JCR Broker), founded Collaborative Settlements and provides settlement planning services to plaintiffs and attorneys, operating as an affiliated broker under JCR's brokerage from Orlando, FL.
- American Association of Settlement Consultants (AASC)minorJCR Settlements is a member of the American Association of Settlement Consultants (AASC), a professional industry association for settlement planners and structured settlement consultants.
- Society of Settlement Planners (SSP)minorJCR Settlements is a member of the Society of Settlement Planners (SSP), a professional industry association providing networking and professional development for settlement planning professionals.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
JCR Settlements competitors and assessment
Company assessmentDirect peers
- Sage Settlement Consulting: Sage Settlement Consulting is a national structured settlement brokerage firm serving plaintiff and defense attorneys across the country. Directly comparable to JCR as both broker structured settlement annuities for personal injury cases, with similar carrier-agnostic placement model and nationwide reach.
- Integrated Financial Group: Integrated Financial Group is a national structured settlement brokerage with a network of brokers placing annuities for plaintiff attorneys, defense counsel, and insurance carriers. Directly comparable to JCR in business model, target customer segments, and carrier-agnostic placement approach.
- Ringler Associates: Ringler Associates is the largest national structured settlement brokerage firm in the United States, placing structured settlement annuities with major life insurance carriers for personal injury, wrongful death, and workers' compensation cases. Directly comparable to JCR as both operate as independent brokerages placing structured settlement annuities nationwide, though Ringler has substantially greater scale, more broker locations, and longer operating history.
- Henry Freedman & Associates: Henry Freedman & Associates is an established structured settlement brokerage firm specializing in personal injury and workers' compensation settlements. Directly comparable to JCR as both broker structured settlement annuities and offer related settlement planning services for plaintiff attorneys and injury victims.
- Structured Financial Associates: Structured Financial Associates is a national structured settlement brokerage firm offering structured settlement, MSA, and settlement planning services. Directly comparable to JCR in product offerings, customer base, and brokerage distribution model with major life carriers.
- The Settlement Alliance: The Settlement Alliance (TSA) is a national structured settlement brokerage network placing annuities for plaintiff and defense clients nationwide. Directly comparable to JCR as both serve as independent structured settlement brokerages with affiliated broker networks covering multiple states.
- Millennium Brokerage Group: Millennium Brokerage Group is a structured settlement brokerage placing annuities for plaintiff and defense clients nationwide. Directly comparable to JCR in core product offering (structured settlement annuities), customer segments, and carrier relationships with major life insurance companies.
Broad incumbents
- MetLife Structured Settlements: MetLife is a major life insurance carrier whose structured settlement annuity products JCR distributes through its brokerage. Comparable as a broad incumbent in the structured settlement market, but operates as an insurance carrier rather than independent brokerage, and JCR specifically uses MetLife's A+ rated fixed annuity for clients seeking guaranteed annual returns.
- AIG Structured Settlements: AIG is one of the major life insurance carriers in JCR's network offering structured settlement annuity products. Comparable as a broad incumbent in the structured settlement industry, but operates as a global insurance conglomerate with structured settlements as a small part of its overall portfolio rather than as a focused brokerage specialist.
- Prudential Structured Settlements: Prudential Financial is one of the major life insurance carriers underwriting structured settlement annuities that JCR brokers, with its own structured settlements division. Comparable as a broad incumbent in the same industry, but operates as a carrier (underwriter) rather than an independent brokerage, and offers structured settlements as part of a much larger financial services portfolio.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
JCR Settlements social profiles
Digital presenceJCR Settlements financial estimates
Financial estimateRevenue estimate
Valuation estimate
JCR Settlements leadership team
Management profileNumber of profiles
Profiles8 records
JCR Settlements subsidiaries and ownership
Company hierarchySubsidiaries1 record
JCR Settlements funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
JCR Settlements 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 JCR Settlements
What does JCR Settlements do?
JCR Settlements is a structured settlement brokerage that designs, quotes, and places structured settlement annuities with major life insurance carriers (AIG, MetLife, Prudential, Pacific Life, New York Life, USAA, Mutual of Omaha, Independent Life) for personal injury and wrongful death claims. The firm also prepares Medicare Set-Aside (MSA) Allocation Reports, provides attorney fee deferral solutions, structured installment sales for asset sellers, structured NIL agreements for student athletes, and complementary trust, lien resolution, and government benefit preservation services. Investment management is delivered through affiliated entity Garrison Financial, LLC.
Is JCR Settlements a public or private company?
JCR Settlements is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was JCR Settlements founded?
JCR Settlements was founded in 2014. It employs 1 to 10 people.
Where is JCR Settlements based?
JCR Settlements is headquartered in Scottsdale, United States, in the North America region.
How does JCR Settlements make money?
Four revenue lines are on record. Annuity Commission Revenue is the primary driver. The others are MSA Allocation Report Fees, attorney Fee Deferral Services and investment Management (Garrison Financial).
Who are JCR Settlements's main competitors?
Direct peers on record are Sage Settlement Consulting, Integrated Financial Group, Ringler Associates, Henry Freedman & Associates, Structured Financial Associates, The Settlement Alliance and Millennium Brokerage Group. Broad incumbents are MetLife Structured Settlements, AIG Structured Settlements and Prudential Structured Settlements.
Does JCR Settlements have an API?
No public API is recorded for JCR Settlements.
What industry is JCR Settlements in?
JCR Settlements's product category is Structured Settlement Brokerage. Its primary akta.pro industry code is FSAIACAJ, Structured Settlement Annuities. Its SIC code is 6411.