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Prospera Market Strategies Celebrates Milestone in Structured Settlement Innovation

Prospera Market Strategies, LLC, more commonly known as Prospera, recently announced a significant achievement as its Growth Structured Settlement (GSS) solution celebrates five successful years in the market. This innovative approach to settlement planning has garnered impressive traction, having surpassed $250 million in assets under administration.

Since its inception, the GSS has provided settlement consultants, attorneys, and claimants with a modern, market-based solution aimed at preserving long-term purchasing power. This strategy comes at a crucial time, as financial markets and healthcare costs continue to evolve, impacting individuals' financial stability following injuries. Unlike traditional structured settlements that often rely heavily on fixed-rate annuities, the GSS combines guaranteed income with growth potential from diversified investment strategies. This fusion broadens the toolkit available for settlement planning, allowing claimants to better prepare for future financial responsibilities.

Over five years, GSS has shown remarkable adaptability and acceptance within the industry, being successfully employed in over 35 states across various court-approved settlements, including those for minors. With an average case size of around $587,000, the solution has been funded by more than 120 assigning entities, over 70 of which are property and casualty insurance carriers. Such broad acceptance illustrates the growing recognition among settlement professionals and the courts of the advantages this innovative approach offers.

Investment performance further highlights the success of the GSS. As of June 30, 2026, investments using Vanguard's LifeStrategy® 80/20 Fund have produced trailing returns of 16.67% over three years and 8.78% over five years. While past performance is not a guarantee of future returns, these results indicate the potential benefits of incorporating diverse investment strategies into long-term settlement planning.

The Tax Advantages of GSS

An essential feature of the GSS is its ability to facilitate tax-free growth under the structured settlement framework for qualifying personal injury cases, as outlined under IRC Section 104(a)(2). This allows claimants to preserve more of their settlement proceeds, ensuring they can meet long-term financial goals despite rising costs associated with healthcare, living expenses, and other financial obligations.

Assura Trust Company, a service office of Midwest Trust Company, manages the GSS program. Its approach to combining structured settlements with professionally managed investment strategies sets it apart from traditional methods. The GSS addresses essential needs, including rising medical expenses, long-term care, education costs, housing, and other future financial responsibilities while maintaining the oversight and security expected within the structured settlement process.

Chris Shumate, Executive Director of Centurion Investment Holdings, explains, “Five years ago, we recognized that protecting a claimant’s future required more than certainty alone. It necessitated a solution capable of meeting inflationary pressures, escalating healthcare costs, and varied long-term financial needs.” Shumate emphasizes that the continued growth of the GSS reflects the changing landscape of settlement planning, showing that professionals are increasingly opting for more diversified and modern strategies.

In conclusion, Prospera Market Strategies continues to lead the way in innovative settlement planning solutions. With a commitment to providing cutting-edge financial strategies, they enable settlement professionals to support injured parties in achieving better outcomes for their long-term financial stability. For those interested in the benefits of a modern approach to structured settlements, the GSS represents a transformative option in a challenging financial landscape.

To learn more about Prospera and their range of innovative financial solutions, visit Prospera Market Strategies.