Get Cash for your Structured Settlement Payments

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How does selling
my structured settlement work?

1

Call JG Wentworth for a free evaluation and quote

2

Accept your quote and return your contract

3

Attend your court date and receive your
lump sum!

FAQs

Let’s take a look at the main types of homeowner insurance you can choose from:

Should I sell my structured settlement?

Life always finds a way to surprise us—and sometimes, surprises can put an unexpected strain on our finances.

If you’re struggling to pay for an emergency expense, you’re not alone. According to a 2022 Bankrate survey, only 44% of Americans can afford to pay for a $1,000 emergency with just their savings. For most Americans, the best option in an emergency is to take on debt to cover the expense. Even if you don’t have an emergency—maybe you want to go back to school or put down a payment on a house—it can be difficult to come up with the funds for an immediate need without incurring debt.

But if you have a structured settlement, you have another option available!

Selling part or all of your structured settlement payment stream is a great way to keep your head above water while avoiding taking on extra debt. If you need cash in a pinch to take care of a major expense, this could be the best solution.

Do I need to sell my entire structured settlement payment stream?

No, you do not need to sell your full structured settlement. You can sell just one or several future payments—it all depends on how much money you think you need. Many JG Wentworth clients are return customers, selling part of their settlement whenever they need cash.

Do I pay taxes when selling my structured settlement?

No, you don’t have to pay taxes when selling your structured settlement. Because the transfer of the rights to your untaxed settlement payments goes through a court, your lump sum payment will retain tax-free status.*

Can I sell my life-contingent payments?

Yes, JG Wentworth purchases life-contingent payments—in fact, we’re the largest purchaser of this type of structured settlement in the U.S.! We have an entire team that specializes in evaluating the sales eligibility of life-contingent payments. They can answer any questions you might have about what your options are and how this type of sale works.

Do you purchase other types of annuities?

Yes, we purchase several types of annuities, including annuities intended for retirement, lottery winning payments, and structured attorney fees. If you’re unsure whether your annuity payment stream qualifies for sale, give us a call—we’re here to help.

Can I sell a minor's structured settlement payments?

A legal guardian can sell part or all of a structured settlement payment stream belonging to a minor under their care if they are able to demonstrate to a judge that the lump sum will be used to benefit the child and that the transaction is in the minor’s best interest.

How do I avoid being scammed or ripped off when I sell my structured settlement payments?
It’s important for sellers to do their research on any company that they’re considering selling their structured settlement payments to, including checking their credentials and reading customer reviews. If you’re considering selling your settlement payments to any business, make sure to ask their representative the following questions:
  • How many transfers have you done before?
  • How many transfers has your company funded in my state and county?
  • How quickly can I expect to receive my funds after court approval?

In general, you’ll want to find a company with plenty of experience, because they’ve encountered every issue under the sun. Instead of selling to someone who has ten transactions a month in a small handful of places, look for a company responsible for hundreds of transactions in many different states and counties.
Why are other companies reaching out to me about my structured settlement?

Many litigation filings are a matter of public record, dependent on the rules of specific courts and jurisdictions. That means that any company or individual can access information about who has structured settlements in order to make an offer to purchase their payment stream. If you are approached by a company that you have never reached out to about selling your payments, exercise caution and do your research before making a move.

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