Solutions
Non-Qualified Assignment Flex Agreement
The newly released NQA Flex Agreement (NQA-FA) gives attorneys, claimants and defendants in non-physical injury cases far more control over the timing and design of settlement payments.
The basics
What is the NQA-FA?
The NQA-FA is a settlement solution, based on a funding agreement, designed for non-physical injury cases. Unlike a traditional structured settlement annuity, it allows deferred start dates, lump sums, annual increases and fully custom payment schedules.
It is issued by a highly reputable U.S. life insurance company rated A+ by A.M. Best.
Eligible cases
Who it's designed for
- Employment litigation
- Wrongful termination
- Discrimination claims
- Contract disputes
- Construction defects
- Property and environmental claims
- Liability policy buy-outs
- Punitive damages
- Attorney fees
With approval, both individuals and businesses can be named as payees.
What's different
Payments can start after the first year
Traditional non-qualified assignments generally fall under Internal Revenue Code Section 72(u), which requires payments to begin within one year of settlement.
The NQA-FA is not subject to that requirement, so payments can be deferred past one year and timed around future events or long-term needs.
Key features
Why attorneys use it
Payment flexibility
Deferred starts, lump sums, annual increases and custom schedules.
Broad eligibility
Built for non-physical injury claims, the majority of employment and civil cases.
Tax management
Spreading payments over time avoids one large tax bill in a single year.
Guaranteed payments
The obligation moves to an assignment company, freeing the defendant and backing the payments with a leading financial institution.
Getting started
Set it up before the settlement closes
Timing matters: the structure must be in place before the settlement closes. Contact us as early as you can and we'll walk you through every step.
Talk with our brokers about your case
No pressure and no jargon. A short conversation is often the clearest way to see your options.