Your privacy is important to us, and this policy will inform you of the information that SMA Hub may collect from you, how it is used, and/or disclosed. By using our Website, www.smahub.com, you are acknowledging and accepting the practices and information described in this policy and on our Website.
We may use the information we have collected primarily for our own internal purposes, including improving our products, services, Website, advertising, remarketing efforts, etc. However, we may also use your collected information to contact you to respond to inquiries or provide information about our services.
SMA Hub generally follows accepted industry standards when it comes to protecting the information you submit to us and that we gather, both during transmission and once we receive it. We use appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our site.
We do not sell, trade, or rent your personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates, and advertisers. We may also disclose your customer information with third parties in order to perform services on our behalf, and we will obtain consent for such sharing where it is legally required.
We will disclose personal information and/or an IP Address when required by law or in good-faith belief that such an action is necessary to: cooperate with an investigation of purported unlawful activity, protect the rights or property of our Website and related properties, or identify persons who may be violating the law, the rights of third parties, or otherwise misusing our Website or its related properties.
Please keep in mind that if you voluntarily submit your information in a public forum on our related to our Website—such as a comment section, discussion board, etc.—it may be collected and used by others, and we have no control of how third parties may use your publicly accessible information.
SMA Hub’s Website may contain links to third-party websites, including links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.
By using this site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
If you would like to opt out of our tracking, you may do so here:
Last updated: 7/23/2019
Annuities are financial products that pay out a fixed stream of income to individuals, usually retirees. The money comes from a substantial lump sum or monthly payments put into the annuity during the accumulation phase. Once payments commence at a specified date, the contract enters the annuitization phase.
Secondary market annuities originate from existing annuities that become available for purchase. They offer fixed-term payment streams, up to several decades long, from top-quality insurance carriers.
SMAs could be the right fit for your client’s profile if he or she is looking for above-average returns with relatively low risk. Investors must also have enough resources to tie up funds in this illiquid investment.
SMAs offer many of the same benefits as primary market annuities—including payment certainty and a guaranteed yield—without all the restrictions associated with insurance contracts. While insurance products often translate to low returns for the investor, SMAs routinely provide yields 1-4% higher than comparable original issue annuities at a lower cost and without introducing a high level of risk.
SMA Hub is far from merely a “middleman” in the process of transferring structured settlement cash flows. We acquire original issue annuities in their entirety using an independent business trust. Then, our experienced, on-staff attorney navigates the complexities of transitioning the financial product into a secondary market annuity.
Only once the review process is complete and the sale of the payment stream has been court-approved do we list SMAs in our inventory. This adds additional layers of protection to your practice and ultimately your clients. By the time you see SMAs for sale on our website, all due diligence has been performed. Therefore, you can expect to close your client’s case within 24 to 48 hours, pending liquidity of funds.