is one of America's foremost structured settlement and annuity buyers / certified structured settlement consultants. We can buy all, a portion, or practically any combination of your annuity settlement payments and get you the cash you need as quickly as possible.
We work hard to offer every client the most money when they sell structured settlement payments and we'll do our best to beat every other offer you get. If we can’t, we’ll send you a check for $200 when you close with the other company. It's our way of making sure you get the highest possible price in cash for structured settlement payments.
Structured settlement annuities are used when an individual is awarded a large sum of money from a personal injury or wrongful death lawsuit. Most often the plaintiff is expected to suffer or endure some level of permanent disability or permanent loss and possibly on-going medical treatments and/or therapy. The structured settlement payment is usually considered a "maintenance" payment.
Instead of paying one huge lump sum payment, the defendant can make a much smaller single payment into an investment annuity which will accrue compound interest over time and, in turn, distribute a predetermined series of payments to the annuitant over an extended period of time - usually 20 to 30 years or sometimes for the life of the annuitant. Because of the lower initial payment required, this arrangement is more affordable and much more attractive for defendants.
At the same time, and much more importantly, structured settlement annuities tend to eliminate the "lottery windfall" aspect of a large settlement payment suddenly being dropped into the lap of the plaintiff and ensures a reliable, guaranteed source of income for the annuitant who, in many cases, is unable to return to work.
These payments may be distributed monthly, quarterly, semi-annually or annually, or they can be comprised of a combination of different types of payments.
Flexibility is key when you're trying to get money for structured settlement payments. You will need to have at least an approximate idea of the amount of money you need - this will give us a target to work towards.
- Sell a set number of full monthly payments only, starting immediately
- Continue receiving monthly payments for a while but sell a block of monthly payments beginning in a year or so
- Sell a set number of full monthly payments and a set number of full annual or lump sum payments, starting immediately
- Keep receiving full monthly payments and sell only the full annual or lump sum payments
- Sell only a portion of several annual or lump sum payments
- Sell a portion of a set number of monthly payments and a portion of a set number of annual or lump sum payments starting immediately or in the future
These are just a couple of examples, but as you can see, we can be extremely flexible and structure our purchase to suit your exact needs. The most common structured settlement questions we get are generally "Can you do this ... ?". The answer is usually "yes" but it just depends on your financial goals, what exactly you are trying to achieve and whether or not you need to maintain some level of monthly income or if you can be without monthly payments for a time.
If you need a large lump sum now and currently have income, such as a job, it might be in your best interest to sell your closest full monthly and lump sum payments. On the other hand, if you are not receiving any monthly job income it may be better for you to sell only a portion of your monthly and lump sum payments - this way you can maintain some cash flow while getting the lump sum money from structured settlement or annuity settlement payments that you need.
