Selling Payments When you decide to sell your structured settlement or annuity payments, we will make it as easy a process to deal with as possible. We have representatives that have a lot of experience and expertise so that they can help you make a plan tailored to your desires and needs.

Should I Sell My Payments?

Regardless of the reason that you may need cash right now, selling your payments might be the perfect solution. It can give you the money that you need to buy a house, start a business or pay down your debt. You might be able to trade your periodic payments that aren’t covering your current needs for a lump sum that can get the job done.

  • Buying a house
  • Making repairs on a house
  • Starting a business
  • Dealing with financial hardships in a business
  • Paying for a college education
  • Paying down debt on credit cards, student loans or medical expenses
  • Dealing with a divorce
  • Investing in a new opportunity

Choices When Selling

Partial You can sell part of your annuity and hold on to some periodic payments, while keeping the tax benefits on those remaining payments. The settlement itself continues to function with the benefits, so you can enjoy the best of both worlds.

Entirety If you sell everything remaining in your structured settlement for the rest of the length of the contract, you will clean it out and get a lump sum of money on hand right now. This can give you what is needed to deal with a major life event or invest in a better money-earning opportunity.

Lump Sum If you sell a lump sum over time it will give you a lot of money now while still guaranteeing you a steady flow of income in the future from your structured settlement. You’ll still retain some tax benefits.
Sell Structured Settlement Payments
If you have never sold an annuity or structured settlement before, you might be a little bit uneasy. Rest assured, it is an easy process.
You start by deciding to sell, then continue through a simple court date and then you receive the money. We have exceptional assistance
from our customer service department to guide you through the process. You’ll be looking at a free quote in minutes. Below are the steps.


  • Decide to Go Ahead with a Sale – If you know you want to start the process, whether it is because you definitely need the cash or you have a great investment opportunity, then you should go ahead and start the process.

  • Get In Touch – Talk to one of our representatives and they will take you through the step-by-step process of selling your payments.

  • Receive a Free Quote – Find out how good our competitive pricing is, as we’ll provide you with a free quote in minutes.
  • Get a Cash Advance – If you need money immediately, we will provide you with a cash advance as soon as you sign up so that you can have access to some money right away.

  • Set Up a Court Date – Once you have filled out the paperwork, you’ll have to explain to a judge why you are selling your annuity. Then you’ll receive your money.

  • Get Your Cash - Once the court approves the process, you will receive your money very quickly.

How Much Should You Expect?

There are a lot of factors that go into determining how much money you should expect to receive for selling your structured settlement. The health of
the economy, current interest rates, investment opportunities, how much of your annuity you are selling and how high demand is will all factor in.

Selling Structured Settlement Payments

Reliable Factors

  • Quantity and value of remaining payments that you will sell

  • Timing of the payments you will sell

  • Whether or not you are selling any lump sums

  • Current health of the economy

  • Fees and expenses

Need Cash Immediately?

We can help you out with a cash advance of up to $1,000 right now.


Tips When Selling Annuities or Structured Settlements



  • Current Value of Your Payments

    Companies that purchase structured settlements have to stay in business, so they do turn a reasonable profit. This is why the offers for your annuity will be less than its total value in a cash payout. The amount less depends upon the factors outlined above.

  • State Law

    While your annuity may have language in it to limit the ability to sell it, your rights are protected by law in most states. There is also a federal regulatory model in place that addresses the tax implications of selling a structured settlement, which basically requires you to get court approval. This will confirm that the sale is in your own best interest.

  • Talk to an Expert

    It makes sense to get advice from a lawyer or financial planner who can inform you as to what your best course of action is. They can let you know what they think your annuity or structured settlement is worth, and advise you on strategies that you may wish to use in order to avoid taxes.