How to Sell Structured Settlement Payments for Cash

Selling your payments for structured settlements or annuities may be the solution you need to solve a financial problem. Whether you're thinking about buying a home, starting a small business, paying off debt, or a student loan, using a portion of your future payments could certainly help you get back in control of your finances. When you face a great need or emergency, accessing your annuity is much better than putting your entire life on hold. Getting money today from the sale of your future payments can help you improve your home or pay for your children's education - without waiting.

Selling options


If you sell a portion of your payments, you will continue to receive income periodically, without losing any tax or tax benefits. The structured settlement will continue to provide you with those tax advantages, and will extend them to your heirs or beneficiaries in the event that you die before receiving all scheduled payments.


Choosing to sell all future payments from your structured settlement for the remainder of the term of the settlement means that you will reduce to zero all your investment in this instrument, ending the possibility of receiving periodic payments in the future. But you will eventually have a single and final payment on your hands, with which you can make any investment.

Final and final payment or lump sum

Selling a final and final payment on time will also give you a significant amount of money at the time, but it guarantees you a steady stream of future income in accordance with the terms of the structured settlement contract, while maintaining the same tax benefits than before.

How to sell your annuity or structured settlement?

The process of selling your structured settlement payments is basically very straightforward, starting with your decision to proceed with the sale, getting an appointment in court, and finally receiving the money in your hands. Fundraising companies complete more than 1,000 such transactions per month. However, what we can offer that our competitors simply cannot: is a comprehensive, dedicated and prompt customer service team; Offer a free estimate in minutes and a cash advance when the transaction is approved.

Make the decision to sell

If you need cash for a valid reason, because it is your only alternative, and because selling the payments will not negatively impact your financial future, then make the decision and start the process.

Get a free estimate

We offer you a competitive estimate, free of charge and in a matter of minutes.

Cash advances

Once we reach an agreement, we can provide you with an immediate cash advance so that you can start using your money without waiting.

Get a court date

After all documents are entered, you will first have to present to a judge the reasons why you want to proceed with the sale. If approved, you can then receive your money.

Cash in your hands

Once the court accepts the transfer, you will have access to your money.

How much money will i receive

The amount of money you will receive from the sale of your structured settlement future payments depends on several factors. First, it is the company you choose to do business with. Many people interested in selling their payments do research and try to see who can offer you the best price. There's nothing wrong with that: Our customer service staff will offer you competitive prices that will exceed our competition's estimates.

The amount you receive will also depend on how many payments you are going to sell and when those payments should be distributed to the beneficiary. If there are more payments that you will sell, the payment you will receive will be higher. And we recommend that clients keep as much future payments as they can in their possession.

  • Factors that affect the future value of your annuity payments:
  • Amount of payments and how many would you like to sell
  • Extension and timing of your payments
  • If there is a lump sum that also wants to sell
  • Economic conditions of the moment
  • Commissions and extra charges

Final price

You will not get the final price

You need to understand, at the start of the process, that this is a business transaction. Companies that purchase structured payment settlements do so with the intention of making some kind of profit at the end of the day. For you, this means that if your annuity is valued at, say, $ 250,000, you will be offered an amount below that as a one-time, final payment.

How much less?

It could be as low as 50 percent. In many cases, the offer could be in an amount that is between 60 and 80 percent of the original value. The percentages are based on financial market conditions, particularly the institutional interest rates set by the United States Federal Reserve, and conditions are constantly changing. In fact, the discount amount is the price you are paying for the ability to receive the money immediately.

Structured loans and settlements

For banks, the income that any person can receive through structured settlements is seen in a different way than other assets. For starters, a bank is not going to accept future payments as collateral or collateral for a loan, so it cannot borrow from you and use your contract as collateral for payments.

However, you have the full right to transfer your payments to a third party, to a company that is dedicated to buying future structured settlement payments. This company can give you cash right away, which is basically a loan in exchange for accepting a portion of your future payments.

The company then takes the risk and provides you with the money you need to meet your current needs. In exchange for that money, the company will then own all or some of your future payments stipulated in the agreement.


Research and know the laws

Although the way your annuity contract is written may restrict your sale or transfer to another entity, the sale of your rights to future payments is completely legal. Annuity and settlement buyers must comply with the provisions of federal and state law. In total 43 states have passed laws known as Structured Settlement Protection Acts (SSPAs) that safeguard your rights, while establishing the legal framework for the transfer of future payments in structured settlements to third parties.

Congress promotes and regulates the use of these agreements. They passed the Federal Periodic Payment Settlement Act in 1982, ensuring that structured settlement income cannot be subject to local, state, or federal tax payments. They also require that a state court approve the transfer and determine if the reasons you have for the sale of your structured settlement are legitimate, and that what you do is in the best interest of any dependent you may have.

Get advice

Get advice from an attorney or financial planner

Although it may cost you some money, timely advice from your attorney or financial planner could save you thousands of dollars. Your advisors can warn you of a low or poor (estimated) valuation of your structured settlement, or save you money on taxes. As part of the sale process of a structured settlement, you will be represented by an attorney before a sale is approved by a judge or court.

Have your own attorney

Very often, the company that makes the estimate will provide you with an attorney as part of the whole process, but the company will not discourage you so that you do not have or have your own attorney. Or, at least, it shouldn't. Doing so is a clear sign that perhaps you should be looking for another buyer for your future payments.

How Long Will It Take To Receive My Global Sum Of Money?

This question was asked to Settlement Quotes by a person interested in selling the rights to their structured settlement payments. There are several factors that go into how long it takes to complete a structured settlement transfer, including the state where the beneficiary resides, the insurance company and the brokerage firm. In most cases the transaction should be completed in 6 - 8 weeks.

Status Structured settlement transfer operations require approval from the court where the beneficiary resides. Obtaining judicial authorization for the transfer operation requires the financing company to first acquire a court hearing. This process can be lengthy and usually makes delays longer.

The Insurance Company - The financing company that is completing the transaction must obtain a letter from the beneficiary's insurance company in order to ensure that the beneficiary still has the rights to the flow of payments. Depending on the insurance company, this step may also delay the underwriting process.

Brokerage Companies - There are companies that intentionally delay the completion of a transaction in order to make a profit in a competitive business. This unscrupulous process is called interest resistance and was discussed in this blog post by the Sovereign Funding Group.

How To Sell A Structured Settlement

If you have been injured by a third party, a product, or are the recipient of life insurance payments, you will most likely receive the money in the form of a structured settlement. In many ways, this is the ideal solution - it ensures that you have a reliable income for years to come, helps prevent you from spending your liquidation inadvertently and very quickly, and also helps keep the society you must pay solvent. However, it is not always ideal. Sometimes more money is needed. If this is your case, you need to know how to sell a structured settlement.

Find a company
The first step in selling a structured settlement is to find a company willing to buy it. You may be surprised, but there are plenty of different companies more than willing to pay a lump sum in exchange for their liquidation. However, things get difficult here. You have to do more than just choose the first company to make you an offer. A wise decision needs to be made.

Amount Of Money
It is important to realize that by selling a structured settlement, you will not receive the full amount. However, for most people, this loss is tolerable in exchange for the possibility of having a large sum of cash right away. The trick is to find a company that offers the highest percentage of the original sum, in a single payment.

You should never form an agreement with a company that has not been fully vetted. Not all companies that buy liquidations are the same, and there are harnessing companies out there (just like with any other industry). Therefore, it is necessary to ensure that you take the time to check the reputation of each company and determine if they are trustworthy, honest and direct.

Get All Quotes In One Place
Going alone when selling a structured settlement is not ideal. You should work with a broker capable of providing you with quotes from companies that buy closeouts. This ensures that you have several different offers very quickly, and that you can compare your options to make an informed and reasoned decision about your financial future.

What You Should Know When Choosing Between Companies That Buy Structured Settlements

The decision to accept a structured settlement may seem irreversible, but it is not. Many people find that while a structured settlement makes sense on paper, it doesn't work well for their personal situation. From overdue bills to pay, their children's education, money could be put to immediate use in their lives. There are companies that buy structured settlements. What should you know when choosing between companies that buy structured settlements?

Compare, Compare, Compare
The most important thing to remember when selling structured settlement is that not all buyers are created equal. As with any other industry, there are companies that are worthwhile and others that should be avoided. How do you know the difference? The best way to make a good choice is to compare your options. By comparing the offers of different companies, you can determine which offer the best benefits.

Key Factors In Your Comparison
When comparing different structured settlement buyer companies, it is vital that several key factors are compared. For example, you need to make sure that all offers you consider comply with state and federal law. You also need to make sure that you are working with a company that offers you as much money as possible for your structured settlement. No company will offer you 100% of the money that you will eventually receive during the term of your payment program, but you can choose the one that offers you the opportunity to receive most of that money.

Another factor that you will want to consider is the company that buys only a portion of your structured settlement. You may only need a specific amount of money immediately to pay bills or make ends meet and prefer to keep the rest of your money in structured payments. Not all companies will allow you to sell only part of the liquidation, so it is worth comparing your options.

What To Know About Intermediation
The key to making an informed decision is to make a reasonable comparison of the companies that buy structured settlements working in conjunction with a brokerage firm. Ideally, choose one that has been in business for several years. Expert brokers in this market can ensure that you receive offers very quickly, and then compare those offers to choose the one that best suits your situation and financial needs.

What You Need To Know Before Selling Your Annuity

Annuity payments certainly help offset your financial situation, but sometimes they might not be enough. If only there was a way you could get a one-time payment instead of small, ongoing payments. Actually, there is a way to do just that. You can sell your annuity. However, that is not necessarily the best option for you - there are things you need to know before selling your annuity to make sure you are making the right choice.

Check Local Laws
One thing you need to do before anything else is to review your state laws when it comes to annuity sales. Each state has its own requirements, in addition to federal laws governing the transfer of annuities, and you will have to make sure that you agree to all of them. If necessary, contact an attorney to help you understand the process, your obligations, and the laws that apply to you.

How Much Money?
Another consideration here will be the amount of money you can get for your annuity. Don't think that you are going to get 100% of the money you have to collect - This does not work that way. Most finance companies offer a percentage of what you earn, but there are other mitigating factors, including how payments are established, the total amount of the annuity, and much more. You will also find that lending companies vary just like banks in terms of the terms they offer, so taking time to review all options and companies and compare them to each other is very important.

Get Multiple Offers
Given the importance of comparing different offers, you will surely find several options when you decide to sell the annuity. This can be difficult to do on your own. However, there are securities brokers who can make the process simple and easy. These agents provide the means to start receiving offers from buyers within minutes, and you don't need to locate and contact financing companies on your own.

With the information above, you will find that making the decision about whether to sell your annuity is simple. Of course, there will be a lot of decisions to make, but working with a reputable broker and following the tips mentioned above will ensure that you make an informed decision about the sale.