Purchase Structured Settlements

Sell Insurance Payments

2009-07-09T08:35:00.001-07:00

Sell Insurance Payments for Lump Sum of Cash: All Insurance Payment Buyers Are Not the Same

Changes in your life situation could make you want to sell the insurance payment you are now receiving in installments in exchange for a lump sum of cash. Your current circumstances might make a lump sum of cash a better alternative, compared to the stream of insurance payments spread over several years. In such instances, you are selling your right to receive insurance payments in the future. This right is your asset, and if you can show that a lump sum of cash serves your interests better, the court would allow you to sell the future payments. But beware: All insurance payment buyers are not the same.

Finding a Buyer for Your Insurance Payments

In the past, it was difficult to find a buyer of insurance payments who could guarantee a problem-free insurance settlement buyout. Insurance companies did not like their payment obligations changed in any way, including a change of payee. If the insurance company refused to pay your buyer, in the past, the company would come back to you, probably after you have spent the lump sum.

This is no longer a problem. The need of many to cash out insurance payments resulted in regularizing settlement transfers to third parties. Laws now provide for legally binding assignment of the right to receive insurance payments. Legal formalities have to be followed, such as giving due notice to the insurance company, and getting court approval for your insurance payment buyout.

Once you have complied with the formalities, you can sell insurance payments to your buyer and get a lump sum of cash. Many buyers of structured settlements (such as your insurance payment) have appeared in the market. Structured Settlement Investments is a leading buyer of insurance and other structured settlement payments. We can shepherd you through the process, and expedite the receipt of your lump sum payment.

Deal With an Experienced Buyer

Considering the legal complexities involved, you should deal only with experience buyers of insurance payments. In addition to experience, you should look at the integrity and funding sources of the buyer.

Contact Structured Settlement Investments

If you are seeking cash, you can sell your insurance payments to Structured Settlement Investments. Our firm will always provide you with thorough information, telling you exactly what to expect and helping you through the complex process. We offer flexible plans and will facilitate getting court approval, fast! If you would like to learn more about our services, contact Structured Settlement Investments .

Cash for Your Structured Settlement and Annuity Payments — Helping Address Current Financial Needs

2009-07-09T08:28:00.000-07:00

There are many situations in which receiving a lump sum of cash for your structured settlement annuity payments would be the right thing to do. If you are denied opportunities, or consistently find yourself in financial distress because of a lack of cash, you may find the sale of your structured settlement annuity payments to be an excellent option. Some people are happy with their settlements, but realize they could do better.

Education Costs

All parents want to provide their children with a high-quality education. Unfortunately, it is becoming more and more expensive to do so. The financial challenges of providing for children are compounded when a family provider is injured or killed on the job. Many families who have suffered tragic workplace accidents rely on structured settlements to make ends meet. This reliance on structured settlements can force them to make education less of a priority than they would like. For these families, a lump sum of cash instead of monthly or yearly structured settlement annuity payments enables children to receive the education they need.

Insufficient or Unfair Settlement

Part of an insurance company's business is to pay structured settlements. Because the insurance industry aims to cut costs as much as possible, settlements can be insufficient and/or unfair. During settlement negotiations, it is sometime difficult to know whether the proposed settlement will compensate you and your family appropriately. In these cases, you may find yourself in financial hardship despite the monthly or yearly payments you receive. Fortunately, in most states it is possible to turn things around and enjoy a fair, lump sum payment. If you find yourself in financial difficulty because of an insufficient or unfair settlement, receiving a lump sum of cash for your structured settlement annuity payments may be the best option. We can help you address immediate financial concerns, and get you the money you need, when you need it!

Duration of Payments Extends Too Long

Sadly, many people receiving structured settlement annuity payments have serious health complications. Those with reduced life expectancies may be unwilling to accept small payments that are scheduled over a period of time that is longer than they expect to live. For these individuals, a lump sum cash payment, instead of drawn-out structured settlement annuity payments, may be the best option.

Sell Annuity Payments

2009-07-09T08:27:00.000-07:00

We Give Cash for Structured Settlement Annuity Payments

Interested in getting cash for your structured settlement annuity payments? Structured Settlement Investments can help!

Perhaps you are wondering if getting cash for your structured settlement annuity payments is the right decision for you. The answer largely depends on your individual financial circumstances. Some people are content to receive income periodically and decide to continue receiving settlement payments. However, many people are learning that getting cash from structured settlement annuity payments is a fast, easy way to turn a little bit of money received every month (or every year) into a lump sum of cash up front.

If you would like to learn more about getting cash for your structured settlement annuity payments, we will thoroughly analyze your financial circumstances to help you determine if doing so is right for you, and how much you your payments are worth. For a consultation with a financial professional, contact Structured Settlement Investments today.

About Selling Structured Settlement, Annuity, Insurance, or Lottery Payments

2009-07-09T08:26:00.001-07:00

The right to receive a stream of settlement, annuity, insurance, lottery, or other future payments is an asset that belongs to you. This asset has some restrictions. Technically, you are not the owner of the settlement and the sale of this asset sometimes requires court approval. However, if you follow your state's laws regarding selling structure settlement annuity payments, you can sell your asset via third party transfer and receive a lump sum of cash now.

Nearly every state has legislation governing the sale of structured settlement payments. Other states allow payments to be sold, subject to a court review. In these cases, the court analyzes your plan for the use of the proceeds from the sale of your structured settlement. The court then determines if the sale is in your best interest.

At Structured Settlement Investments, we help those who are considering selling structured settlement payments, annuity payments, lottery payments, and other forms of future income. Based on the present value of these payments, our financial professionals will determine how much your future payments are worth and offer you a lump sum of cash. You can sell all or only a part of the future payments.

We Will Help You Make Your Case in Court

If you are considering selling structured settlement annuity payments from a personal injury lawsuit, annuity payments, lottery winnings, or any other form of future income, our firm will fully review your case and advise you about how to proceed. If we determine that courts are likely to approve the sale of your structured settlement annuity payments, we will help you make the case to sell our firm your payments in exchange for a lump sum of cash. If we believe it is not in your best interest to sell your future payments, we will tell you that too. In some situations, we might advise you to sell only a part of your future payments.

Sell Future Payments

2009-07-09T08:25:00.000-07:00

Selling Structured Settlement and Annuity Payments — Personal Injury and Other Settlement Agreements

Due to the prevalence of structured settlement agreements, many individuals who need to address immediate financial concerns must settle for monthly, or even yearly, payments, regardless of their financial circumstances or immediate needs. Structured settlements are used for personal injury and other kinds of settlements, as well as for lottery winnings and other lump sump payments. If you have been considering selling structured settlement annuity payments from a personal injury or other type of claim, it is important to remember that not all settlement recipients spend their awards quickly when provided a lump sum. Many of those who would benefit from a lump sum of cash are responsible stewards of their financial future, but have immediate financial needs that must be addressed.

If you would like to learn more about selling structured settlement annuity payments from a personal injury claim, annuity, lottery winnings, or other future income payments, contact Structured Settlement Investments today.

Have you asked,"can i get cash for my structure settlment payments"?

2009-07-09T08:23:00.000-07:00

Do you have structured settlement payments coming to you as a result of a personal injury settlement or other structured settlement? Have you purchased annuities for retirement, but now find that a lump sum of cash would better suit your needs? Are you tired of waiting for your check, when you could have your money now? Would a lump sum payment help you get your life back on track? If so, you can sell your structured settlement or annuity payments for cash. At Structured Settlement Investments, we provide cash for structured settlement payments, and other forms of future payments, to help our clients get the money they need to live. We can purchase your future payments to help you get the large cash payment you need now!

Structured Settlement Investments can help you achieve financial freedom. If selling your structured settlement, annuity, lottery, or other future payments could help, simply contact Structured Settlement Investments today!

Selling your structured selltlement payments

2009-07-09T08:22:00.000-07:00

Many people with structured settlements don’t know that federal and state statutes govern the transfer of structured settlement payments. Despite language in some settlement agreements prohibiting selling structured settlement payments, these statutes permit the sale of most structured settlement payments.

Many settlement agreements provide for payments for life, after a specified period expires. These “non-guaranteed” or “life-contingent” settlement payments can often be sold, providing cash now in exchange for uncertain structured settlement payments in the future. We at Structured Settlement Investments would be happy to explain how you can turn your dreams into reality.

Interested in selling structured settlement,insurance or lattary payments for cash

2009-07-09T08:20:00.000-07:00

If you are considering selling your structured settlement, annuity payments, insurance payments, lottery payments, or other future payments and are seeking advice from industry-leading professionals, you've come to the right place. At Structured Settlement Investments, we can help you get cash for future payments now!

Are creditors hounding you? Has your car been repossessed? Having trouble paying bills on time? If so, you may want to sell your structured settlement, annuity, or other future payments. Receiving cash for structured settlement payments can mean having the money you need now... when you need it!

Settlement To Cash

2009-07-09T08:17:00.000-07:00

Cash Purchase Options for Structured Annuity and Settlement Payments

Turn Your Structured Settlement Installments Into Cash

Why wait for your annuity settlement money? Why settle for the restrictions imposed by your deferred payment schedule?

We’re SettlementToCash.com and we specialize in the purchase of annuities and future installment payments from structured settlements. Request a Free Quote to have us purchase your settlement payments today.

We can individually tailor your deal and purchase your future annuity or settlement payments with:

One lump sum, cash payout
Or a comfortable series of cash payments

If you prefer an alternative to the purchase of your structured annuity, we also offer a more flexible deferred payment plan for your settlement payments.

Structured Settlement Buy Out

2009-07-09T08:15:00.000-07:00

Structured settlement buy out can turn a future asset into cash. Advanced funding will provide the individual in a current financial tight spot with the capability of acquiring the funds to help eliminate financial problems. Being the recipient of a structured agreement doesn't mean one has to wait for periodic payments since many financial institutions provide a tangible way to receive those future payments now. A buyer of structured settlement annuity will look at the annuity contract and evaluate the potential to purchase. Reasons to sell a contract between an individual and an insurance company include better rates of return through other various investments, or better tax-efficient estate planning.

Current tax laws require that selling an annuity means being subject to paying income tax. Selling to a buyer of structured settlement annuity before the age of 59 & 1/2 may mean paying a 10% federal tax penalty. Get some legal advice and tax advice before making a final decision on a structured settlement buy out. Consider options carefully especially when the situation may call for freeing up assets to use for other needs. Some financial institutions online, offer a free, no obligation assessment from a specialist on staff. Compare several sources before signing a final contract.

Ask about tax-deferred accumulation of interest and capital gains when considering a structured settlement buy out. Compare the impact of paying income tax on withdrawals to taxes on dividends or capital gains from reinvesting dollars in stocks and bonds. Consulting a tax advisor on these types of issues would be a wise decision. Tax evaluation can be rather confusing so it is best to get some advice from someone who understands tax issues before finding a buyer of structured settlement annuity or selling a structured agreement. Realize that there may be tax consequences associated with receiving a lump sum amount.

Unexpected expenses can plague anyone at anytime and usually there is no warning before it happens. Being a recipient of a structured agreement will give some leverage during this time of decision. There are various reasons that people seek for a structured settlement buy out. Sometimes obtaining additional cash is the best option to find the light at the end of the tunnel. Pray about worries and trust God for the answers. Do some research online and consider all the options available before making a decision. "Be careful for nothing; but in every thing by prayer and supplication with thanksgiving let your requests be made known unto God. And the peace of God, which passeth all understanding, shall keep your hearts and minds through Christ Jesus" (Philippians 4:6-7).

It is true that a structured settlement buy out will provide a lump sum of cash now, however, it is also true that there is security in knowing that those settlement payments will come on time every month. When opting for a lump sum amount consider the possibility of being tempted to spend the money and not have any left for the future. When an injured person has long-term special needs those periodic payments provide some security for those needs to be met. Get some financial advice before finding a buyer of structured settlement annuity and weigh all the costs before cashing in.

Do some research and find a reputable company before signing a contract to sell an annuity. Obtain quotes from various companies and do business with the company offering the highest payoff. Companies that purchase structured settlements or annuities do so to make a profit off their purchase. Insurance companies may refuse to cooperate with the sale of a settlement and it may be necessary to obtain court approval. When a sale has to go through the process of approval through the court it can take up to 90 days to get the payoff. Consult an attorney before signing a contract; have the attorney look over the contract and see if the amount to be paid is adequate for the settlement.

When facing debt problems there may a solution by seeking a buyer of structured settlement annuity. The ability to receive a lump sum amount on an annuity instead of monthly payments may be the answer to paying off high interest credit card debt. The savings in interest alone could make it worth selling not to mention the savings in other fees credit card companies charge. Other reasons to consider cashing in might include paying for a divorce, starting a business, purchasing a home, paying medical expenses, tuition for college, among other things. With the ability to pay off outstanding debts or finance other endeavors, consumers find satisfaction by cashing in structured settlements or annuities. Some companies online offer buy outs on lottery winnings and advertise no costs or processing fees for services. Free quotes are available through most financial sources on the Internet.

How to Purchase Structured Settlements

2009-07-09T08:13:00.000-07:00

State and federal law may restrict the sale of structured settlements, and there are many legal complications that can arise. Since you'll be exchanging cash for the right to receive future payments, you'll want to make sure that you are protected.

Work with an established broker.
Look for a structured settlement financing company who is a member of the National Structured Settlements Trade Association who also places settlements with private investors.
Get multiple quotes to ensure you get the best deal.
Retain an attorney to review the agreement to ensure your interests are protected

Special Considerations

2009-07-09T08:11:00.001-07:00

Any person entering into a structured settlement should be on guard for potential exploitation in relation to the settlement:

Excessive Commissions - Annuities can be highly profitable for insurance companies, and they often carry very large commissions. It is important to ensure that the commissions charged in setting up a structured settlement don't consume an inappropriate percentage of its principal.

Overstated Value - Sometimes, after negotiating a particular settlement figure, the defense will overstate the value of a structured settlement. As a result the plaintiff, in accepting the settlement, in fact obtains a significantly lower dollar value than was agreed upon. Some defendants have nominally paid the full amount of the settlement, knowing that they would later obtain significant rebates from the annuity companies they used. Plaintiffs should consider compariing the fees and commissions charged for similar settlement packages by a variety of insurance companies, to make sure that they are in fact getting full value. A plaintiff may wish to make it a condition of the settlement that the defendant will actually pay the full value of the settlement in setting up the structured settlement, and that any rebates received by the defendant for annuities included in the settlement be payable to the plaintiff.

Self-Dealing - There have been cases where the plaintiff's lawyer is also in the insurance business, and sets up a structured settlement on behalf of a client without disclosing that the attorney is purchasing the annuities from his own business, or is pocketing a large commission on the annuities. Similarly, there have been situations where the plaintiff's attorney has referred the client to a particular financial planner to set up a structured settlement, without disclosing that the financial planner will be paying the attorney a referral fee in relation to the client's account. Make sure that you know what financial interest, if any, your lawyer has in relation to any financial services sold or recommended by the lawyer.

Life Expectancy - It is unfortunate, but many people who receive large personal injury or workers' compensation settlements will have a shortened life expectancy as a result of their injuries. It is important to consider life expectancy in association with any structured settlement, and to consider whether it is appropriate to enter into an annuity where payments will cease upon death. Sometimes it will make sense to insist upon an annuity that pays a minimum number of payments, or one that will pay a balance into the plaintiff's estate, such that the value of the settlement is not lost to an insurance company upon the plaintiff's untimely death.

Using Multiple Insurance Companies - For larger settlements, it often makes sense to purchase annuities for a structured settlement from several different companies, dividing the settlement between those companies. This can provide you with protection in the event that a company that issued annuities for your settlement package goes into bankruptcy - even in the event that one of the companies defaults in part or in full on your settlement payments, you would still receive full payment from the other companies.

Selling a Structured Settlement

2009-07-09T08:08:00.003-07:00

If you have a structured settlement, you may have been approached by a company interested in purchasing your settlement, or may be curious about in return for a lump sum buyout. About two thirds of states have enacted laws which restict the sale of structured settlements, and tax-free structured settlements are also subject to federal restrictions on their sale to a third party. Also, some insurance companies will not assign or transfer annuities to third parties, to discourage the sale of structured settlements. As a consequence, depending upon where you live and the terms of your annuities, it may not be possible for you to sell your settlement.

Keep in mind that companies which buy structured settlements intend to profit from their purchase, and sometimes their offers may seem quite low. You may benefit from approaching more than one company in relation to the sale of your settlement, to make sure that you obtain the highest payoff. You also want to be sure that the company which wants to buy your settlement is established, well-funded, and reputable - you don't want a fly-by-night outfit to obtain the rights to your annuities but to disappear or go bankrupt before paying you the buyout money. You may have to go to court to get a judge to approve the buyout. It is usually a good idea to consult with a lawyer before entering into an agreement to sell your settlement.

Potential Disadvantages of Structured Settlements

2009-07-09T08:08:00.001-07:00

Potential Disadvantages of Structured Settlements

Some people who enter into structured settlements feel trapped by the periodic payments. They may wish to purchase a new home, or other expensive item, yet be unable to muster the resources because they can't borrow against future payments under their settlement.

Some people will do better by accepting a lump sum settlement, and investing it themselves. Many standard investments will give a greater long-term return than the annuities used in structured settlements.

Benefits of a Structured Settlemen

2009-07-09T08:07:00.001-07:00

Benefits of a Structured Settlement

One significant advantage of a structured settlement is tax avoidance. With appropriate set-up, a structured settlement may significantly reduce the plaintiff's tax obligations as a result of the settlement, and may in some cases be tax-free.

A structured settlement can protect a plaintiff from having settlement funds dissipated, when they are necessary to pay for future care or needs. Sometimes a structured settlement can help protect a plaintiff from himself - some people simply aren't good with money, or can't say no to relatives who want to "share the wealth", and even a large settlement can be rapidly exhausted. Minors may benefit from a structured settlement as well, such as a settlement which provides for certain costs during their youth, an additional disbursement to pay for college or other educational expenses, and then one or more disbursements in adulthood. An injured person who has long-term special needs may benefit from having periodic lump sums with which to purchase medical equipment or modified vehicles.

In some situations, it will be better for a severely disabled plaintiff to set up a special needs trust, rather than entering into a lump sum or structured settlement. Any plaintiff who is receiving, or expects to receive, Medicaid or other public assistance, or the guardian or conservator entering into a settlement on behalf of a disabled ward, should consult with a disabilities financial planner about their situation before choosing any particular settlement option or structure.

What Is a Structured Settlement?

2009-07-09T08:05:00.001-07:00

Sometimes when a plaintiff settles a case for a large sum of money, the defendant, the plaintiff's attorney, or a financial planner consulted in association with the settlement, will propose paying the settlement in installments over time rather than in a single lump sum. When a settlement is paid in this manner it is called a "structured settlement". Often the structured settlement will be created through the purchase of one or more annuities, which guarantee the future payments.

A structured settlement can provide for payment in pretty much any schedule the parties choose. For example, the settlement may be paid in annual installments over a number of years, or it may be paid in periodic lump sums every few years.