What are the benefits to getting a structured settlememt annuity? Many people today elect to get a structured settlement annuity when they need or would like help managing their finances. with a structured annuity payment plan you would receive regular payments of a smaller sum of money that would all add up to a larger total sum, as opposed to getting a large lump sum payment that one might find easier to spend. Structured settlement annuities are an excellent choice for anyone with a history of poor spending decisions or finds it difficult to budget money and they are a terrific way to manage your money.