Quick Answer: Can You Sell Your Structured Settlement?
Yes. You can sell some or all of your future structured settlement, annuity, or lottery payments for a lump sum of cash. Every sale is reviewed and approved by a judge under your state's Structured Settlement Protection Act, most transfers complete in about 45 to 90 days, and getting a quote is free with no obligation. You choose whether to sell everything or only the payments you need to.
Simple, Transparent Process
Your written quote spells out exactly which payments you are selling, the purchase price, and the discount rate. No surprises at any step, and you owe nothing if the court does not approve.
Tell Us About Your Settlement
Share the type, amount, and remaining payments of your structured settlement, annuity, or lottery winnings.
Get Your Offer
You receive a written quote stating the payments, price, and discount rate, backed by a price match guaranty.
Get Paid
Accept your offer and receive your lump sum after court approval. Funds wired directly to your account.
Why Choose Sell My Structured Settlement for Cash
Court-Approved Process
Every transfer is reviewed by a judge for your protection, and the filing work is handled for you.
No-Surprise Net Price
The quote you accept is the amount you receive. Transfer legal costs are covered, not deducted later.
Competitive Offers
Strong pricing on your payments, and a legitimate higher written offer will be matched before closing.
No Pressure, Ever
Straight answers and patient support. Take the time you need - the decision is always yours.
Learn Before You Sell
Selling future payments is a big decision. Our guides, reviewed by Kevin Lowe, COO of Genex Capital, explain the process with no sales pitch - including when keeping your payments is the better call.
The Court Approval Process
What the judge reviews, how long it takes, and why the hearing protects you.
Read the Guide →Discount Rates Explained
The one number that decides what you get - and the range to expect in writing.
Read the Guide →When NOT to Sell
The honest checklist. If your payments cover living costs, keeping them usually wins.
Read the Guide →How to Vet Any Buyer
The questions to ask and the red flags to walk away from before you sign.
Read the Guide →The "Settlement Loan" Myth
There is no such thing as a structured settlement loan. Here is what is really being offered.
Read the Guide →Protecting SSI and Medicaid
How a lump sum can affect needs-based benefits, and what to settle before you sell.
Read the Guide →Real Results for Payment Sellers
Hear from real customers who sold their payments to buy homes, start businesses, pay for education, and meet medical costs.
Structured Settlement
I was skeptical about selling my settlement, but the quote showed the exact discount rate in writing before I committed to anything. What they quoted is exactly what arrived.
Michael R.
Structured Settlement
The court approval process seemed overwhelming until they walked me through every step. No surprises, no hidden fees. I'd recommend them to anyone.
Jennifer L.
Annuity Payments
After my accident settlement, I needed cash for medical bills. I had a written offer within a day. The whole process was transparent and professional.
David W.
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Frequently Asked Questions About Selling a Structured Settlement
What is a structured settlement?
A structured settlement is a series of periodic payments awarded as part of a personal injury lawsuit, workers' compensation claim, or other legal settlement. Instead of a single lump sum, payments are made over time through an annuity purchased by the defendant's insurance company.
How do I sell my structured settlement?
Contact Sell My Structured Settlement for Cash for a free written quote with the discount rate disclosed. If you accept, the transfer goes through your state's court approval process and is funded by our partner Genex Capital after approval.
Do I need court approval to sell my structured settlement?
Yes. Under federal and state Structured Settlement Protection Acts (SSPAs), most structured settlement transfers require court approval. The court ensures the transfer is in your best interest. This process protects you as the seller.
How much will I get for my structured settlement?
The amount depends on the discount rate, remaining payments, and timing. Your written quote states the exact rate and price, backed by a price match guaranty. Our service is free - we never charge you fees.
Can I sell only part of my structured settlement?
Yes. You can sell some payments and keep others. This is called a partial transfer. The court will review the partial transfer under your state's SSPA to ensure it's in your best interest.
How long does it take to sell a structured settlement?
Most transfers complete within 45-90 days, depending on your state's court schedule. The timeline includes the required waiting period, court hearing, and fund transfer.
Are there any fees to get a quote?
No. Our service is completely free for settlement holders. Sell My Structured Settlement for Cash earns its fee from the factoring companies - you never pay us anything.
Nationwide Coverage
Structured settlement transfers are court-approved in every state. Find the rules, timelines, and process for yours, or jump straight to the payment type you want to sell.
Common Reasons to Sell Your Structured Settlement
Pay Off Debt
Eliminate credit card debt, medical bills, or loans
Buy a Home
Use your lump sum as a down payment on a house
Medical Expenses
Cover unexpected medical costs not covered by insurance
Education
Fund your degree or your child's college education
Start a Business
Invest in yourself with startup capital
Buy a Car
Purchase a reliable vehicle without monthly payments
Completely Free • No Obligation