Blog

Structured settlements have become a preferred way to manage large settlements received from lawsuits, insurance claims, or lottery winnings. Liberty Life Structured Settlements, now operating under Athene Annuity & Life Assurance Company, has been a key provider of these financial products. This article explores what Liberty Life structured settlements are, how they work, their benefits, and considerations for recipients.

What Are Structured Settlements?

A structured settlement is a financial arrangement in which a claimant receives periodic payments instead of a lump sum. These settlements are commonly used in personal injury lawsuits, wrongful death claims, and worker’s compensation cases. The periodic payments are designed to provide long-term financial security.

Liberty Life and Its Role in Structured Settlements

Liberty Life Assurance Company was a well-known provider of structured settlements before its transition to Athene Annuity & Life Assurance Company. The company specialized in offering annuities that ensured recipients received stable, tax-advantaged income over time. These annuities were funded by insurance companies and guaranteed by the financial strength of Liberty Life (now Athene).

How Liberty Life Structured Settlements Work

1. Settlement Agreement – After a legal claim is resolved, the plaintiff agrees to receive their compensation through structured payments rather than a lump sum.
2. Annuity Purchase – The defendant or their insurance provider purchases an annuity from Liberty Life (Athene) to fund the settlement.
3. Periodic Payments – The claimant receives regular, scheduled payments based on the agreed-upon terms.
4. Tax Advantages – Payments from structured settlements are typically tax-free under IRS rules.

Benefits of Liberty Life Structured Settlements

1. Financial Security – Ensures a steady income stream over a set period, preventing the risk of spending a lump sum too quickly.
2. Tax Benefits – Structured settlements are often tax-exempt, whereas lump sums may be subject to taxation.
3. Customizable Plans – Payment schedules can be tailored to fit future needs, including medical expenses, living costs, or education.
4. Protection from Market Fluctuations – Unlike other investments, structured settlements provide guaranteed payments regardless of economic conditions.
5. No Management Required – Unlike stocks or real estate, structured settlements do not require active management.

Considerations Before Choosing a Structured Settlement

1. Lack of Flexibility – Once set, the payment structure cannot be easily altered.
2. Inflation Concerns – Fixed payments may lose purchasing power over time unless inflation adjustments are included.
3. Emergency Cash Needs – Since payments are scheduled, access to large sums for emergencies can be challenging.

Selling Liberty Life Structured Settlements

In some cases, recipients may need immediate cash and opt to sell their structured settlement. This process involves:

1. Finding a Buyer – Companies specialize in purchasing structured settlements for a lump sum.
2. Court Approval – Legal approval is required to protect recipients from unfair deals.
3. Assessing Financial Impact – Selling usually results in receiving less than the total value of the settlement due to discounts applied by buyers.

Conclusion

Liberty Life Structured Settlements, now under Athene, offer financial stability and tax advantages to recipients of legal settlements. While they provide guaranteed income, individuals must consider the long-term implications, including lack of flexibility and inflation risks. Understanding these factors can help recipients make informed decisions about managing their settlement funds effectively.

Facebook advertising has become an essential tool for businesses aiming to reach a vast audience. One of the most important metrics used to measure the effectiveness of these ads is Estimated Ad Recall. This metric helps advertisers understand how well their ads resonate with users and predict the likelihood of people remembering their brand after seeing an ad. In this article, we will explore what Estimated Ad Recall is, how it is calculated, why it is important, and strategies to improve it.

What is Facebook Estimated Ad Recall?

Estimated Ad Recall is a predictive metric that estimates the number of people who would remember seeing an ad within two days of exposure. It helps advertisers gauge the potential impact of their campaigns beyond just clicks and impressions. Instead of simply measuring engagement, it focuses on how well an ad remains in a user’s memory, which is crucial for brand awareness and long-term customer retention.

How is Estimated Ad Recall Calculated?

Facebook uses machine learning models to estimate ad recall. The calculation is based on multiple factors, including:

• Survey Responses: Facebook periodically surveys users to determine whether they remember seeing an ad.
• Engagement Data: Actions such as likes, shares, comments, and time spent on the ad contribute to the estimate.
• Ad Placement & Format: The type of ad (video, carousel, static image) and where it appears (news feed, stories, reels) influence recall.
• Historical Performance Data: Facebook leverages past data from similar ads and industries to predict ad recall rates.

Importance of Estimated Ad Recall

Understanding and optimizing Estimated Ad Recall can significantly benefit businesses in various ways:

1. Brand Awareness: A higher recall rate means more people remember your brand, leading to long-term recognition.
2. Campaign Effectiveness: Helps advertisers measure if their ads are resonating with the target audience.
3. Better Budget Allocation: Knowing which ads perform best allows businesses to optimize their advertising spend.
4. Customer Retention: Memorable ads contribute to stronger customer relationships and increased conversions.

Factors Affecting Estimated Ad Recall

Several factors can impact how well an audience remembers an ad:

1. Ad Quality

• High-resolution images and videos capture attention better.
• Clear and compelling messaging makes the ad more memorable.

2. Audience Targeting

• Ads shown to a highly relevant audience have a better recall rate.
• Custom and lookalike audiences improve ad resonance.

3. Frequency & Reach

• Showing an ad too often can cause ad fatigue, reducing recall.
• A balanced approach between reach and frequency is essential.

4. Ad Format

• Video ads tend to have higher recall rates than static images.
• Interactive ads encourage engagement, increasing memorability.

5. Call to Action (CTA)

• A strong CTA can reinforce the message and improve recall.
• Ads with a clear purpose are more likely to be remembered.

Strategies to Improve Estimated Ad Recall

Improving Estimated Ad Recall requires a combination of creative and strategic approaches. Here are some actionable tips:

1. Use High-Quality Visuals

• Invest in professional designs to make ads visually appealing.
• Use contrasting colors and bold typography to enhance readability.

2. Leverage Video Content

• Short, engaging videos (under 15 seconds) are more likely to be remembered.
• Add captions to ensure the message is conveyed even with sound off.

3. Craft a Strong Storyline

• Storytelling helps create an emotional connection with the audience.
• Ads that evoke emotions are more likely to be remembered.

4. Optimize for Mobile Devices

• Most users access Facebook on mobile, so ensure ads are mobile-friendly.
• Use vertical videos and responsive designs for better engagement.

5. Target the Right Audience

• Utilize Facebook’s detailed targeting features to reach relevant users.
• Experiment with custom and lookalike audiences to improve relevance.

6. Test Different Ad Formats

• Experiment with carousel, slideshow, and interactive ads.
• A/B test different ad creatives to find what works best.

7. Maintain a Balanced Frequency

• Avoid showing the same ad too many times to prevent fatigue.
• Adjust ad delivery to ensure optimal exposure without overexposure.

8. Include a Clear Brand Message

• Place the brand logo prominently in the ad.
• Reinforce key messages with text overlays and voiceovers.

Measuring and Analyzing Estimated Ad Recall

To track Estimated Ad Recall, follow these steps:

1. Use Facebook Ads Manager: Navigate to the reporting section and add “Estimated Ad Recall Lift” as a metric.
2. Compare Across Campaigns: Analyze recall performance across different ads to identify trends.
3. Monitor Audience Engagement: Check comments, shares, and reactions for qualitative insights.
4. Adjust Based on Data: Optimize underperforming ads by tweaking creatives, targeting, or messaging.

Conclusion

Facebook’s Estimated Ad Recall is a valuable metric that goes beyond basic engagement and impressions, offering insights into brand awareness and ad effectiveness. By understanding how ad recall is measured and implementing strategies to improve it, businesses can create more impactful campaigns that leave a lasting impression on their audience. Whether through high-quality visuals, storytelling, or optimized targeting, improving ad recall can significantly enhance a brand’s presence in the competitive digital landscape.

Mesothelioma is a devastating cancer primarily caused by asbestos exposure. It not only affects individuals diagnosed with the disease but also impacts their families emotionally, physically, and financially. When a loved one succumbs to mesothelioma, family members may be eligible for compensation to cover medical bills, lost income, and emotional distress. This guide explores the different types of compensation available and how family members can pursue claims.

Types of Compensation Available

1. Wrongful Death Claims

If a loved one has passed away due to mesothelioma, surviving family members may file a wrongful death lawsuit. These claims are typically filed against asbestos manufacturers or employers who failed to protect workers from exposure. Compensation from wrongful death claims can cover:

• Funeral and burial expenses
• Loss of income and financial support
• Medical expenses related to mesothelioma treatment
• Emotional pain and suffering

2. Asbestos Trust Funds

Many asbestos manufacturers have established trust funds to compensate victims and their families. If the company responsible for the asbestos exposure has declared bankruptcy, family members can file claims through these funds. Compensation amounts depend on the severity of the case and the specific trust fund’s payout schedule.

3. Workers’ Compensation Benefits

In some cases, dependents of a deceased mesothelioma patient may qualify for workers’ compensation death benefits. These benefits are available when the exposure occurred in a workplace setting. However, they are typically limited and may not cover all expenses, making it necessary to explore additional compensation options.

4. VA Benefits for Veterans’ Families

Veterans who developed mesothelioma due to asbestos exposure during military service may be eligible for benefits from the U.S. Department of Veterans Affairs (VA). Surviving spouses and dependents can apply for Dependency and Indemnity Compensation (DIC), which provides monthly financial support.

5. Social Security Benefits

Families of mesothelioma victims may qualify for survivor benefits through the Social Security Administration (SSA). These benefits are particularly useful for spouses and dependent children who relied on the deceased’s income.

Who Can File for Compensation?

Family members who can pursue mesothelioma compensation typically include:

• Spouses: Most commonly eligible for compensation, as they often bear the financial burden after a loved one’s passing.
• Children: Minor children or financially dependent adult children may qualify for compensation.
• Other Dependents: In some cases, other financially dependent relatives, such as parents or siblings, may be eligible.

How to File a Claim

Filing for mesothelioma compensation involves several key steps:

1. Gather Evidence: Collect medical records, employment history, and proof of asbestos exposure.
2. Identify Liable Parties: Determine which companies or entities are responsible for the exposure.
3. Choose the Right Compensation Type: Depending on the situation, families can file lawsuits, claim trust fund payouts, or apply for VA benefits.
4. Work with an Attorney: Hiring a mesothelioma lawyer increases the chances of a successful claim.
5. File the Claim on Time: Each state has a statute of limitations, usually between 1 to 3 years from the date of death.

Factors Affecting Compensation Amounts

Several factors influence the compensation amount awarded to family members:

• Severity of the illness and treatment costs
• Lost income and financial support
• Pain and suffering endured by the deceased and their family
• The responsible party’s ability to pay
• State laws and legal precedents

Conclusion

Losing a loved one to mesothelioma is heartbreaking, and the financial burden can be overwhelming. Fortunately, various compensation options are available to help family members recover damages and secure their future. Seeking legal guidance and understanding the available claims can significantly improve the chances of receiving fair compensation. If your family has been affected by mesothelioma, consider consulting a specialized attorney to explore your legal rights and options.