A structured settlement is a legal arrangement in which an injury or lawsuit settlement is paid out in regular installments over time rather than in a single lump sum. These payment schedules are set up at the time of your case and are often difficult to change.

When you sell your structured settlement, you are transferring the rights to some or all of those future payments to JG Wentworth in exchange for a lump sum today. The sale must be approved by a court, which protects both parties.

The result: your money, now — instead of waiting years to receive it in small amounts.

JG Wentworth purchases structured settlement payments from the following types of cases:

• Personal injury settlements
• Car accident settlements
• Wrongful death settlements
• Medical malpractice settlements
• Lottery and casino installment winnings
• Certain retirement annuities
• Fixed, deferred, and immediate annuities

We do not purchase the following:

• Workers’ compensation payments
• Pensions
• Government payments
• Class action settlements
• Mass tort settlements
• Active or pending lawsuits

Not sure if your payments qualify? Get a free quote — there’s no obligation and no commitment required.

The process typically takes 60–90 days from the time you accept your quote to receiving your lump sum. Here’s what that looks like:

1. You get a free quote, review your offer, and sign the paperwork.
2. JG Wentworth files the paperwork and schedules a court hearing — this is required by law to protect you.
3. A judge approves the transfer and your lump sum is funded.

Need cash sooner? We offer a cash advance of up to $10,000 while your transaction is being processed, so you don’t have to wait for the full timeline to access funds.

No — you do not need to sell all of your structured settlement payments. Many JG Wentworth clients sell just one, two, or a few years’ worth of payments to cover a specific expense, then keep the rest.

You stay in control. You decide how much to sell based on how much you need now. If your situation changes down the road, many of our clients return to sell additional payments when they need more cash.

Sell some. Keep the rest. It’s your money.

Yes. JG Wentworth is the largest purchaser of life-contingent payments in the United States. We have a dedicated team that specializes in evaluating and processing this type of structured settlement — including payments that other buyers won’t purchase.

If you’re unsure whether your payments are life-contingent or have questions about how the sale process works for your specific payment stream, contact us for a free consultation.

Best Price Guarantee: If another buyer offers you a higher price, we’ll beat it — or cut you a check for $1,000. No other buyer makes this guarantee.

Largest buyer of structured settlement payments in the US: We have more experience with complex settlement types than any other company — including payments other buyers won’t touch.

30+ years in business: We’ve helped hundreds of thousands of customers since 1991. We have an A+ rating from the Better Business Bureau and an Excellent rating on TrustPilot.

Court-approved process: Every transaction is reviewed and approved by a judge, which legally protects you throughout the sale.