I really have no idea about structured settlements. Yet I know that it helps a person when he or she needs funding so he or she can get on with his or her life. When we purchase our annuity with them or do structured settlement payments, they will help us get the lump sum money we need. Anyway, I can't possibly do this right now because of my many commitments. Little Hobb do need a lot of things and Hobbit and I are trying to prepare his future as much as we can, now. I am so glad to have parents who thought about their children's future. They have taught me how to manage my son's future by having good financial plans now so that we do not have to worry so much in the future.