Selling Structured Settlement Payments
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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.