Price settlement or annuity payments, judge a buyout offer, look up any US state's transfer rules.
Scored across 4 tools
Each tool targets a distinct need: market benchmark rates, state comparison, detailed state rules, and payment stream valuation. The list_states tool is explicitly positioned as a discovery aid for state_transfer_rules, avoiding confusion between them.
Mixed conventions: discount_rate_index and state_transfer_rules are noun phrases, while list_states and value_payment_stream are verb-noun. All use snake_case and are readable, but no consistent pattern is maintained.
4 tools is well-scoped for this narrow domain; each covers a separate facet (rates, state list, state rules, valuation) without redundancy. No tool feels extraneous or missing from the core set.
The core workflow of checking rates, state rules, and valuing payments is covered, with no obvious dead ends. Minor gaps exist, such as no tool for fee/tax estimation or aggregated multi-state rule details beyond summary fields.
The public benchmark rates that govern structured settlement and annuity sales this month: the IRS applicable federal rates every disclosure must use, the prime rate, the statutory rate caps (North Carolina, Michigan, Nebraska) and the typical range of buyer discount rates, each with its primary source and date.
Inputs: no named parameters.
All 50 states plus DC with each one's disclosure waiting period, whether independent advice is required, and the statute citation. Use to compare states or to find the right slug for state_transfer_rules.
Inputs: no named parameters.
A US state's Structured Settlement Protection Act rules for selling settlement payments: disclosure waiting period, independent professional advice rule, cancellation right, which court approves, statute citation, notable quirks and primary sources. Verified against the statute text.
Inputs: state (required).
Present value of a structured settlement, annuity or lottery payment stream at typical buyer discount rates (8% to 18%), and, if a lump-sum offer is given, the effective discount rate that offer implies, the cents on the dollar, and whether it sits in the typical range. With targetAmount, also prices a partial sale (sell only enough payments to raise that amount and keep the rest). Use when someone asks what their payments are worth, whether an offer is fair, or what selling part of their payments would cost.
Inputs: payment (required), frequency (required), count, offer, +6 more.
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