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Take A Structured Settlement Or One-Time Lump Sum Payment? If you are involved with a legal decision, financial claim or insurance arrangement, the financing process to settle and resolve the claim can often take two forms Either a one-time lump sum payment, or a long-term periodic series of deferred structured settlement payments But which is best for your situation? A structured settlement involves a financial or insurance arrangement which includes a periodic stream of payments, that a claimant or plaintiff accepts ...