Rumbin (plaintiff) signed a structured settlement agreement with Utica Mutual Insurance Co. (Utica) (defendant) to settle a claim for personal injury. The contract provided for a lump sum and additional payments over fifteen years. Safeco Life Insurance Company (Safeco) (defendant) funded the annuity, and the annuity contract included an antiassignment provision that stated “[n]o payment under this annuity contract may be…assigned…in any manner by the [plaintiff].” Later, Rumbin suffered financial difficulties. Rumbin sought a declaratory judgment from the trial court that would allow him to sell his rights under the settlement agreement to J.G. Wentworth. The trial court ruled in Rumbin’s favor. Safeco appealed to the Supreme Court of Connecticut.