Selling Your Payments

Selling your structured settlement or annuity payments can be the solution to a range of financial troubles. Whether you're thinking of buying a house, starting a small business, paying off debt or student loans, using a portion of your future payments can help you get back in control. When you face a serious need, accessing your annuity can be better than putting your life on hold. Get money today by selling your payments, so you can improve your home or get the kids through college — without waiting.

Reasons for Selling Payments

  • Buying or repairing a home
  • Starting or investing in a business
  • Funding a college education
  • Paying off debt (credit card, student loans, medical, etc.)
  • Divorce
  • Investing (property, stocks, retirement fund)
  • Liquidate a long-term investment, such as a seller-financed private mortgage note
Reasons for Selling Annuity or Structured Settlement Payments

Selling Options


If you sell a portion of your payments, you’ll continue receiving periodic income without losing the tax benefits. The structured settlement will continue to carry those tax benefits, and extend them to your heirs in case you die before collecting all your payments.


Choosing to sell the entirety of your structured settlement for the full term of the contract means you’ll empty out your investment at once, ending any chance of periodic income payments in the future, but you’ll have a lump-sum payment in your hands to invest.

Lump Sum

Selling lump sums over time also gives you money now in large increments, but it still guarantees you’ll have a steady flow of income from your structured settlement for the term of the contract, while carrying the same tax benefits as before.

How Do I Sell My Structured Payments?

The process of selling your structured settlement payments is fairly straightforward, starting with your decision to sell, setting up a court date, and ending with money in your hands. Structured settlement companies complete a total of more than 1,000 transactions per month. However, what we can offer that our competitors can’t is fast, speedy and dedicated customer service; a free quote in minutes and cash advances when approved.

  • 1

    Make the Decision to Sell

    If you need the cash for a valid reason, it’s your only alternative, and selling payments won’t hurt your financial future, then go ahead and start the process.

  • 2

    Contact Us

    Get in touch with one of our representatives who will guide you through all the steps of selling your structured settlement payments.

  • 3

    Get a Free Quote From Us

    We offer competitive pricing, and will guarantee you a free quote in minutes.

  • 4

    We Provide a Cash Advance

    Once you sign up, we can provide you with a cash advance now so you can start using some of your own money immediately.

  • 5

    Setting a Court Date

    After all the paperwork is submitted, you’ll first need to present the reasons for selling your payments before a judge prior to getting your money.

  • 6

    Cash in Your Hand

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

How Much Will I Receive

The amount of money you get from selling your future structured settlement payments depends on a few things. The first thing is the company with whom you choose to do business. Many potential sellers shop their future payments in search of the best up-front price. Nothing wrong with that: Our personal representatives offer competitive pricing against all other companies. Your cash-out total also depends on how many payments you sell – and when those payments are scheduled to pay out. The more payments you sell, the more you will cash out. And we advise people to hold on to as many future payments as they can.

Selling Payments Graph

Factors Affecting the Future Value of Your Annuity

  • Amount of payments and how much you wish to sell
  • Length and timing of your payments
  • Any lump sums you may want to sell
  • Current economic conditions
  • Fees and extra charges

Final Price

You will not get full price

You need to go into this process with a clear understanding that this is a business deal. Companies that buy structured settlements intend to profit from their purchases. For you, this means if your annuity is worth $250,000, you’ll be offered less than that in a cash payout.

How much less?

It could be as low as 50 percent. In many cases, the offer will come in at 60 percent to 80 percent of the original value. Percentages are based on market conditions, particularly institutional interest rates set by the Federal Reserve, and conditions constantly change. In effect, the discounted purchase amount is the price you are paying for the ability to tap into immediate money.

Structured Settlement Loans

Banks view payment streams that come from structured settlements differently than they do other assets. To begin with, banks don’t accept future payments as collateral, so you will not be able to borrow directly against them. However, the rights to your payments can be transferred to a third-party, settlement-buying company. This third party advances you immediate cash – which essentially functions as a loan — in exchange for accepting a portion of your future payments. The company takes on the risk and provides you money to handle your current needs and expenses. In exchange for up front funds, the company then will own all or part of you your future settlement payments.

Transferring Payment Rights to a Third Party for Cash Up Front


Research the Laws

Although language in your annuity contract may try to restrict its sale or redirection to any other entity, selling the rights to future payments is legal. Annuity and structured settlement buyers must comply with state and Federal laws. Forty-three states passed laws known as Structured Settlement Protection Acts (SSPAs) that safeguard your rights, while providing rules covering the transfer of structured settlement payment rights to a third party. Congress promotes and regulates settlement use. They passed the Federal Periodic Payment Settlement Act in 1982, ensuring that settlement revenue is not accompanied by local, state or federal taxes. They also require a state court judge to approve transfers and determine whether your reason for wanting to sell your structured settlement is legitimate and in the best interest for you and any dependents.

Financial Planning and Legal Advice on Selling Structured Settlement Payments

Get Advice

Get advice from an attorney or financial planner

Although it may cost you a little bit of money, sound advice from your lawyer or financial analyst may save you thousands of dollars. Your advisors can warn you about a poor valuation of your structured settlement or save you money in taxes. As part of the structured settlement selling process, you will have to be represented by an attorney before a judge or court approves the sale.

Having Your Own Lawyer

Often, your factoring company will provide you an attorney as part of process, but the company won’t discourage you from having your own lawyer. Or, at least, it shouldn’t. If it does, that’s a warning sign that maybe you should look elsewhere for a buyer.

Get a Free Quote