If you receive structured settlement or annuity payments but face a large expense now — a parent's assisted living, medical bills, a family emergency — some or all of those future payments can be exchanged for a lump sum. Done right, buyers compete and you keep more.
The difference between the best and worst offer on the same payments can be tens of thousands of dollars. Never take the first one.
Get an honest read first →You can sell a portion of your payments — a few years, or part of each check — and keep the rest. Sell only what the actual expense requires.
Court approval is required by law for structured settlement transfers, in every state. It protects you: a judge confirms the sale is in your best interest. Plan on 45–90 days.
Buyers pay less than the payments' face value — that gap is the discount rate, typically 9–15%. Competing offers is how you keep it near 9 instead of 15.
If your annuity has surrender-free withdrawals, a living-benefit rider, or you're near the end of the surrender period, cashing in directly may beat any buyer's offer. We'll tell you.
Free and confidential. An honest read first — offers only if you want them.