I suggest you contact a certified financial planner. This person can look at your financial situation and your needs and determine what financial structure is best for your own goals and objectives.
I haven't done any research on structured settlements, and am not a financial planner, but it seems to me that you can set up your own annuity plan or something where you earn the interest on your money, not someone else.
Good Luck & be careful--unfortunately there are a lot of scam artists out there. Do your research and check references, google, Better Business Bureau and so on before you sign over your money to anyone. Here are some good articles and tips from the CFP site:
http://www.cfp.net/learn/library.asp