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What are Secondary Market Annuities or SMA’s?

SMA’s are created when the right to receive specific future payments, that originate from an existing annuity contract, become available for purchase.

Secondary Market Annuities

Secondary market annuities offer fixed term payment streams from top quality insurance carriers. The high quality creditworthiness of the insurance carriers usually translates to lower returns to the investor, however secondary market annuities provide yields one to four percent higher than comparable assets.

The term secondary market annuity has become an industry standard referring to the rights to receive specific future payments that originate from an existing annuity and become available for purchase. These cash flows originate from factored structured settlement or an existing primary annuity contract that allows for it to be sold or assigned to someone else.

Secondary market annuities offer many of the primary market benefits, period certain, guaranteed yield, without all the restrictions associated with insurance contracts. Simply put, secondary market annuities offer higher returns and fewer restrictions, with relatively little additional risk.

Origin of the Secondary Market Annuity

The term secondary market annuity refers to structured settlement payments, period certain immediate annuities, and lottery payments. The payment stream is an existing, fixed receivable or derivative.

The majority of secondary market annuity transactions are from structured settlement payments for damages or personal injury. These payments are funded by annuities issued by top rated insurance carriers, like MetLife, New York Life, Prudential and others.

When the original owners of payment streams sell their future payments for cash today, a secondary market annuity derivative is created. Furthermore, it is simply an existing payment stream, transacting in the secondary market.

Who is SMA Hub?

SMA Hub is the leading wholesale distributor for Secondary Market Annuities servicing advisors and agents.

Why are the yields higher?

The high yields available from SMAs are simply derived from the original owner’s desire to sell their payments at a discount.

Why is our platform superior?

SMA Hub’s attention to detail protects your client to the highest possible degree. Our unique streamlined purchase process provides meticulously vetted payment streams.

What do we do?

SMA Hub is the premier advisor’s resource for exclusive secondary market annuities that offer certainty, quick closing, high returns and come with an unbeatable guarantee.

A True Wholesaler 

Be cautious, several Secondary Annuity companies in this industry claim to be a true “wholesale” distribution provider of SMAs when in reality, the majority of these companies sell direct to retail clients.  We believe a true “wholesale” distributor should never be in a position to compete directly against its distribution channels.  Because SMA Hub is a true wholesaler of Secondary Market Annuities we provide a tried and proven business model where agents no longer have to worry about their clients circumventing them or being directly marketed to by their “wholesale” provider of SMAs.

Origination of Deals

SMA Hub does not originate Secondary Market Annuities and or compete with its suppliers of factored structured settlements. SMA Hub works with some of the top originators in the market and as a result provide files that meet each states structured settlement statute requirements.

Carrier Ratings

When purchasing Secondary Market Annuities we do not just focus on the types of income streams but in a addition we focus on carrier strength. Furthermore, SMA Hub purchases only from only highly rated carriers.

Go here to see the latest Secondary Market Annuity Inventory

About the unique SMA Hub Secondary Market Annuity purchase process


With each secondary market annuity payment stream, Hub Business Trust is the principal buyer and puts its own capital on the line.


We have exclusive, quick-close, IN STOCK Secondary Market Annuity inventory available for immediate transfer.


Our proprietary purchasing model allows purchasers to customize our in-stock Secondary Market Annuity income streams by apportioning the cash flow to their needs.


With each secondary market annuity, we utilize a professional payment servicing provider.


We thoroughly review all case documentation with our in-house Counsel making sure our interest are inline with your clients.


Before requesting purchaser funds, we provide a closing book documenting the unbroken and irrevocable chain of title to the cash flow.


SMA Hub offers its advisors unprecedented support, inventory distribution, and execution to enter the secondary market annuity marketplace.


SMA Hub’s principals have funded over 1,500 SMA contracts and over 100 million in investor “premium”.

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