Sell Your Structured Settlement Payments to JG Wentworth


There’s a reason we're the first name you think of when you hear the words “structured settlement.” With over 30 years of experience helping customers sell their structured settlement payments, we’ve become the leader in the industry for giving our customers the best price on their payments, guaranteed.*

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What is a structured settlement?


Structured settlements are a type of annuity that allows a claimant in a lawsuit to receive their settlement in a series of payments over time, instead of as a lump sum payment made up front. Structured settlement annuities are usually the result of a personal injury or wrongful death. These annuity payments are not subject to income taxes, and the claimant decides the payment schedule when the settlement is drafted.


One benefit of having a structured settlement is that you get long-term financial security in the form of a reliable stream of income. Even better, as the recipient of a structured settlement, you have the right to sell part or all of your overall payment stream in exchange for a lump sum—and that’s where JG Wentworth can help.


If you have a structured settlement annuity and need cash now, not later, then give us a call. We can help you get the money you need at the best price, guaranteed.*



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How does selling my structured settlement work?


When you sell part or all of your structured settlement payment stream, you effectively transfer your payment rights to the purchasing entity in exchange for a lump sum payment. The process is straightforward for JG Wentworth customers, who receive assistance from our dedicated team of representatives. Here are the steps you’ll take:


    Call JG Wentworth for a free evaluation and quote

    When you call us with an idea of how much cash you need, our representative determines your eligibility to sell and provides you with a quote.


    Accept your quote and return your contract

    Once you accept a quote, you’ll be asked to sign and return a contract to us confirming the terms of your agreement. From there, your JG Wentworth team will handle any paperwork necessary to complete the transaction, including scheduling a court date for you to obtain approval from a judge.


    Attend your court date

    Court approval is required to transfer your payment rights. This process can take approximately six to ten weeks. Although going before a judge might seem intimidating, this step is designed to protect you, making sure that the transaction is in your best interest and that you understand the terms. And don’t worry—we’ll walk you through the whole process before your court date so you know what to expect.


    Receive your lump sum!

    We can pay you via wire transfer, direct deposit, or check—whatever you prefer. Yep, it’s that easy.

Confused customer speaking with experienced salesperson

Why should I choose to sell my structured settlement payments to JG Wentworth?


JG Wentworth is the industry leader in purchasing structured settlements, and with good reason! Reputation is everything to us, so it’s our goal to give customers the best experience possible. Our company is responsible for 80% of all structured settlement sales in the U.S. In other words, we help a lot of people—and our customers love us.


Here are some of the credentials and perks we love to brag about:


    Over 30 years of experience

    A+ rating from the Better Business Bureau

    Rated “Excellent” on Trustpilot, with over 2,000 5-star reviews

    Long-standing relationships with top insurance companies

    Best price guarantee*

When you work with us, we guarantee we'll put all our effort into giving you an excellent customer experience. Plus, as a JG Wentworth customer, you could be eligible for a significant cash advance before court approval—just ask your representative for details when you call.**


What is JG Wentworth’s best price guarantee, and how does it work?


At JG Wentworth, we guarantee that we will offer you a better price than any of our competitors, or we’ll give you $1000.* Yes, really! Here’s how it works:


    You’ll need to provide us with a written quote from another payment purchasing company, signed by an authorized representative and dated within three business days of the date you submit it to us.


    If we can’t beat their quoted purchase price, then we’ll give you a $1000 check, payable upon receipt of the court order confirming the completion of the transaction, verifying the price.

Want to hear a quote today?


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Selling 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.

      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.

      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.

      How much is my structured settlement worth if I sell now?


      When you sell your structured settlement payments, the purchasing company will offer you a price based on the future value of your payments, factoring in the cost of inflation over time. The company will calculate an amount called the discount rate, based on a variety of factors, including the difference in value between current and future payments, and factor in that amount when determining the sale price.


      In other words, a structured settlement payment of $1,000 today will be worth less in a year due to inflation. So if you sell a payment that you’re supposed to receive next year, the purchasing company will buy that payment based on what it expects it to be worth in a year—not what it is worth today.

      Sources Cited

      1. Benefits of the secondary market. National Association of Settlement Purchasers. (2022). Retrieved from
      2. Structured settlements: Structured settlement annuities. Sage Settlement Consulting. (n.d.). Retrieved from
      3. JG Wentworth is rated "excellent" with 4.8/5 on Trustpilot. Trustpilot. (2022). Retrieved from
      4. Bennett, K. (2022, January 19). Survey: Less than half of Americans have savings to cover a $1,000 surprise expense. Bankrate. Retrieved from
      5. Plummer, S. (2020, July 24). What are the different type of annuities? The Annuity Expert. Retrieved from


      Sales of Structured Settlement Payments are subject to Court Approval and other conditions which can take 60-90 days to complete. All transactions are at our sole discretion

      *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. Call for further terms and conditions. This offer is not available in Maryland. This offer is not available to residents of Louisiana that have a transaction pending with JG Wentworth or any related or unrelated structured settlement purchase company.


      ** Cash advances are not available in Maryland, Rhode Island, Vermont and West Virginia. Cash advances are not available to residents of Georgia, Louisiana or Nevada that have a transaction pending with JG Wentworth or any related or unrelated structured settlement payment purchasing company.