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Answer a few questions for our specialists
We'll call you and provide a free quote based on your situation
If qualified, we'll give you cash for your future payments
1
Best Price Guarantee
If we can’t beat a competitor price, we’ll cut you a check for $1,000.3
2
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We’ve helped hundreds of thousands of customers.
3
Legacy of Expertise
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Many types of annuity payment streams can be sold. We will need to review your paperwork to determine if we can purchase your payments.
The process varies, but typically takes around 2-3 months from starting to receiving your lump sum. This accounts for the purchaser valuing your payments, getting insurer approval, finalizing paperwork, and funding your lump sum. More complex arrangements may take longer.
Yes, the lump sum you receive from selling is considered taxable income. However, you were also going to pay taxes gradually on the original annuity payments. That said we are not tax professionals and so you should speak with your tax or financial advisor to better understand the implications of selling your annuity.
Companies estimate the present value of all your future annuity payments using market discount rates. This calculated value is then reduced by a percentage to account for built-in profit margins and transaction fees.
Yes, most companies allow you to sell just a set number of your future periodic payments instead of the entire remaining stream. This provides you with some lump sum cash while still retaining periodic income from the unsold portion.
People sell their annuity payments for many reasons, but the most common ones include covering unexpected medical bills, paying off debt, buying a home, investing in a business, or simply gaining more control over their finances. A lump sum today can be more useful than smaller payments spread over years.
When you sell your annuity, the buyer applies a discount rate to determine how much your future payments are worth today. This rate accounts for inflation, risk, and the buyer’s expected profit. The higher the discount rate, the lower your lump sum offer will be.
Pros:
Cons:
Selling your annuity can have tax consequences. While some structured settlements are tax-free, others—especially non-qualified annuities—may result in capital gains or income tax. It’s smart to consult with a tax advisor before proceeding.
You can typically get a free, no-obligation quote within 24 to 48 hours after providing your annuity details.
Once your sale is approved by the court (required in most cases), you can usually receive your lump sum within 30 to 60 days from the time of agreement. Some cases may move faster depending on the state.
Most reputable annuity buyers don’t charge upfront fees. Instead, their profit is built into the discount rate. Always read the fine print and ask for a breakdown of any costs.
You generally can’t sell:
Additionally, court approval is required to sell structured settlements and certain annuities, especially those involving minors.
The amount depends on:
On average, sellers receive 50% to 70% of the annuity’s total value. You’ll get an exact number after a personalized quote.
Yes—selling annuity payments is legal in all 50 states. However, structured settlements require court approval to ensure the transaction is in your best interest.
Yes. Consider:
You don’t have to sell your entire annuity. You can sell a portion of the payments or just specific years. This flexibility allows you to meet your immediate cash needs without giving up the entire future income.
It depends on your financial situation. Ask yourself:
Speak with a financial professional before making a decision.
Courts are very cautious when minors are involved. You’ll need court approval, and the judge must be convinced it’s in the child’s best interest.
You’ll typically need:
Once the sale is complete:
You can cancel at any time before the sale is finalized. After court approval and payment, the sale is typically permanent. Be sure you’re confident before moving forward.
In most cases, no. Annuities are usually paid upfront and don’t require ongoing premiums. However, if you’re still in a contribution phase, it depends on your contract.
Generally, no. Most government-issued annuities—like military pensions or federal retirement plans—cannot be sold or transferred.
Yes, if it’s a non-qualified annuity and not restricted by contract. If you’re the rightful owner and the contract allows for assignment or sale, you can pursue a lump sum.
We’re here to help. Reach out to us for a free consultation tailored to your unique situation.
All transactions are at JG Wentworth’s sole discretion. Sales of Structured Settlement and Lottery Payments are subject to Court Approval and other conditions which can take 60-90 days to complete. Annuity payment sales are also subject to certain conditions.
JG Wentworth is a purchaser of assets and does not provide legal, tax, or financial advice. Please consult with independent professionals for such advice.
1 Amounts and timeframes for cash advances vary based upon individual circumstances. Cash advances are made at our sole discretion and are subject to meeting our underwriting requirements, which include: (1) you executing and returning to us an annuity payment purchase contract and all ancillary documents required for us to start the annuity payment purchase process; (2) our confirmation that you are receiving periodic annuity payments; (3) our determination that you can enter into an agreement to sell all or a portion of those periodic payments to us pursuant to us; (4) our determination that the purchase transaction is likely to be approved by the applicable insurance company.; and (5) your satisfaction of our underwriting guidelines. This offer is open only to U.S. citizens or permanent legal residents (green card) who have reached the age of majority in their respective domiciliary state as of the date they call for this offer. Call the toll-free number provided for more details.
2 $100 gift card offer is subject to you receiving a quote for the sale of qualifying payments, our verification that you are currently receiving those payments and that they are available for purchase. This offer is not for a loan or advance. The $100 for a quote will be fulfilled in the form of an Amazon.com e-gift card that will be emailed to the email address you provide.
3 We will provide you with a check for $1,000 if we cannot beat an offer from another payment purchasing company. In order to receive the $1,000, the following conditions must be met: 1. you must provide us with a quote in writing from another payment purchasing company, signed by an authorized representative, and dated within three business days of the date submitted to us “Qualifying Quote”; 2. if we are unable to beat the competitor’s quoted purchase price, we will provide you with written notice within three business days of our receipt of their Qualifying Quote; and 3. the $1,000 check shall be due and payable to you upon our receipt of written confirmation, satisfactory to us, of the funding of the transaction at the quoted purchase price, and that funding must occur within ninety days after you receive written notification from us that we cannot beat their Qualifying Quote. Limit one Best Price Guarantee offer per customer.
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