Discover what your structured settlement could be worth
Talk to a JG Wentworth specialist to learn about your options for selling all, or a portion, of your structured settlement payments.
4.8 from 27,500+ reviews on4.8 | 27,500+ reviews on
Rebecca got $30,000 for her structured settlement and used it to attend graduate school1
BEST PRICE GUARANTEE
The highest offer for your payments — guaranteed. Or we pay you $1,000.
Show us a written offer from a competing buyer within 3 days of our quote. If theirs is higher, we’ll match it or send you $1,000.
Best Price Guarantee
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.
HOW IT WORKS
How selling your payments works.
01
Share settlement details
Tell us about the details of your settlement and the payments you are interested in selling.
02
Talk to a specialist
Talk with a JG Wentworth specialist to learn about options for selling all or a portion of your future payments.
03
Complete the process
Provide us with your settlement documents, sign a contract, and wait for court approval².
04
Receive your funds
Lump sum delivered after the court approves and our final underwriting is complete.
"Couldn't ask for a better experience. I started the call almost in tears because of my situation and by the end of the call I was smiling. So excited about my financial future now and it's all thanks to JGW.“
— Cheryl; verified client
375k+
30+
4.8
A+
IS THIS RIGHT FOR ME?
Should I sell my structured settlement?
Selling future payments makes sense in some situations and not others. Here's how to think about it.
Often makes sense when
When you need a lump sum instead of waiting for monthly payments
Major unexpected medical or family expense
Home repairs
Education expenses
Often doesn’t when
Future payments are essential to covering living expenses
Other financing or liquidity options are available and less costly
The lump sum will primarily be spent on non-essential purchases
Structured Settlement FAQs
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.
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.
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.*
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.
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.
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.
Footnotes & Legal Disclosures
- Example provided for illustrative purposes only. Individual results and funding amounts will vary.
- Required by law. Typically 45–90 days, but timing varies by state and court.
- Statistics relating to years in business, customers served, reviews, and BBB accreditation reflect J.G. Wentworth and affiliated companies. Debt relief services have been offered since 2019.
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. All transactions are at our sole discretion and are subject to federal, state and local laws. We do not provide legal, tax or investment advice. Contact an independent legal, tax or investment advisor for such advice.
