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All You Need to Know
All in One Place

Get answers to frequently asked questions on annuities.

Get answers to frequently asked questions on annuities.

Annuities can seem complicated, especially if you’re new to them. So we’ve provided the information below to give you straightforward, fast answers anytime. Take a look. And if you need additional information, contact us. We’re happy to help.

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By submitting this form, I am providing J.G. Wentworth with express written consent to contact me regarding product offerings by SMS/text messages or by using an auto dialer (or automated means) at the phone number(s) provided and such consent is not a condition of a purchase. I also consent and agree to J.G. Wentworth’s Privacy Policy and Terms of Use.

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Can I sell my annuity?

Most annuity owners can sell their annuity, and J.G. Wentworth has been purchasing annuities from people for almost a decade. Annuity contracts can be complex. So although we can purchase many types of annuity payment streams, we feel that each situation needs to be reviewed individually. Please contact our annuity specialists if you want an evaluation of your annuity contract.

Do I have to sell my entire annuity?

No, often partial payment sales are the best option for J.G. Wentworth customers. We help you carefully evaluate your needs to determine how much of your annuity you should sell to build a transaction that provides the most flexibility possible.

Should I sell my annuity?

While there are benefits to holding an annuity, there are also many reasons people choose to sell their annuities. Some people: • Inherit policies and find they would rather have a lump sum than monthly payments • Experience life changes requiring a different type of life insurance product • Choose to change their investment or estate planning strategy • Find that their original decision to buy the annuity no longer applies With the money, customers start new businesses, pay off debt, pay for school or buy homes.

How long does it take to get a quote?

With the proper paperwork, we can provide you a quote in just a few minutes. Please call us at (855) 732-9488 to receive a free, no-obligation assessment from one of our representatives. Or fill out the Request a Quote form on the left to have one of our representatives contact you.

How long will it take to convert my annuity into a lump sum?

Transactions are typically funded within two to three weeks from the time we receive a completed contract from a customer. Each customer’s circumstances are unique, so completion times may vary. We understand the importance of your money, and we work very hard to expedite every transaction.

Is J.G. Wentworth selling me another annuity?

No. We aren’t selling you an annuity or exchanging your annuity for a new one. Instead, we are offering to purchase your annuity by providing you with a lump-sum payment of cash for your annuity or a portion of your future annuity payments. This gives you the flexibility to leverage your full financial resources to meet your personal financial needs.

What if I received an annuity as a gift or through an inheritance?

While regular annuity payments may have been right for the original owner, they may not suit your situation. Selling some or all of your annuity payments gives you the flexibility to immediately leverage the gift or inheritance to its fullest potential in the form of a lump sum of cash.

Is it a problem if my annuity contract has a “No Surrender” clause or a “Surrender Fee”?

Generally, “No Surrender” clauses and “Surrender Fees” refer to your ability to surrender your annuity back to the issuing insurance company. In most cases, J.G. Wentworth will be able to purchase your annuity, avoiding the “Surrender Fee” and “No Surrender” situations with the insurance company.

Can you email me a quote?

Every transaction J.G. Wentworth completes is unique because each customer has a different set of circumstances. Our representatives customize each transaction to suit the customer’s specific needs. We can certainly email any of our documents, including a quote, after receiving proper paperwork and speaking with the customer on the telephone. Once this is complete we are able to offer a quote in just a few minutes.
Have Other Questions About Annuities?

Find fast facts on annuities in general, specific types of annuities as well as how they work and more.

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