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How it worksGetting a Lump Sum for your Structured Settlement

You received your structured settlement because of the settlement of a lawsuit. The most common types of lawsuits that result in a structured settlement are: personal injury, wrongful death, and medical malpractice.

Because these are all life-altering events, the settlements are often large enough that it makes sense to make periodic payments over time. While this type of structure can be beneficial for many people sometimes circumstances change and you need a lump sum of cash. Rather than wait for these payments, you can sell some or all future payments in exchange for a lump sum of cash. Keep in mind that these transactions are subject to state and federal laws which require that, if you decide to sell some or all of those payments, the sale be approved in a court of law. J.G. Wentworth can help you with each step of the structured settlement payment sale process.


Step by StepThe J.G. Wentworth Structured Settlement Payment Sale Process

Every structured settlement is unique, which means every sale will be a little different. However, we’ve applied our more than 25 years of experience to streamline the process into six easy-to-understand steps.

Whether you’ve already contacted one of our account executives, or you’re still deciding what to do, the following information can help you consider or take the next step forward.


Step 1 of 6

Speak with Your Account Executive

When you call us or fill out a contact form on our website, an experienced representative will be assigned to your account. They’ll call you and ask about your structured settlement and how you’re hoping to use your lump sum.

Begin step 1

Step 2 of 6

Receive A Quote

Your account executive will use the information you shared to create a quote. The quote will explain how much of your payments you would need to sell to get the lump sum you want, as well as other options to consider.

Begin step 2

Step 3 of 6

Review Your Contract

If you decide that one of our offers works well for you, your account executive will send a contract for you to look over.

Begin step 3

Step 4 of 6

Schedule A Day in Court

After you sign and return the completed contract, your account executive will go over the paperwork to make sure we have everything we need to schedule a court date.

Begin step 4

Step 5 of 6

Appear Before a Judge

To complete the transaction, we’ll need approval from the court. In most states, this means that you’ll have to appear before a judge.

Begin step 5

Step 6 of 6

Get Your Lump Sum

Once the judge approves the transaction and we complete our underwriting process, the only thing left is for you to do is get your money.

Begin step 6
Sell Additional Payments

If you didn’t sell all of your structured settlement payments to J.G. Wentworth, or another company, you can sell additional payments for a lump sum at another time.

Learn more

MythsSetting the Record Straight about J.G. Wentworth

Selling your structured settlement payments is an important financial decision. We understand that you might want to know more about J.G. Wentworth before choosing to work with us.

Since we purchased our first payment stream in 1991, J.G. Wentworth has helped thousands of people sell their future structured settlement payments for a lump sum of cash. We are the nation’s largest purchaser of structured settlement and annuity payments, but we’re not the only company in the industry. Our experience in the marketplace means that we’re able to offer you some of the best prices for your future settlement payments, prices most of our competitors can’t match.

Instead of finding ways to offer you more money, some of our competitors spend a lot of time spreading misinformation about our company in order to make their deal appear better. We want to set the record straight, which is why we’ll give you the truth behind some of their most popular myths.

Get myths

Read our FAQ sectionCommon Questions

J.G. Wentworth works to make the process of selling structured settlements as simple as possible. If you still have questions, please look at this list. You’ll find answers to some of the most common questions our customers have asked about how to sell future payments.

Get answers 

Contact usLearn More

Still have questions? Our account executives are here for you. Get in touch, even if you just want to learn more. There’s no cost or obligation to speak with a member of our team. We’re here to help offer options so you can use your money when you want.

Contact us * J.G. Wentworth does not provide legal, tax, or financial advice, please consult with independent professionals for such advice.