Structured Settlements Authority

Rethinking Structured Settlements

A Structured Settlement May Not Be the Right Answer

You Can Get Cash For A Structured Settlement

If you are receiving periodic payments from an insurance settlement or annuity, you should know that it is possible to get cash for a structured settlement or annuity and receive a lump sum of cash instead of small monthly payments. If you have been awarded an insurance settlement, you may be receiving small amounts of money each month when the fact is, you could use a lump sum to help you achieve your financial goals. You can get a free quote quickly and receive important information about selling your structured settlement, with absolutely no obligation.

Financial needs and requirements change over time. If you are seeking a lump sum of cash for all or part of your monthly annuity payments, it is most likely because you are experiencing a major change or financial emergency. It could be due to divorce, a child going to college, the loss of a job, or any other number of reasons. Millions of people have sold their remaining insurance payments and received cash for structured settlements or annuities. The cash you need could be yours now and the process involved in selling is fast and easy.
You will be required to provide information such as the state you live in, the name of your insurance company, and the amount of your payments. After your information has been reviewed, you will receive a free quote that will explain to you how much you can expect to receive for your insurance settlement or annuity.

After you receive your quote, if you wish to go forward with the transaction, you will be sent a disclosure that explains how much cash you will get for your payments. You can choose to sell all or part of your future payments and friendly professionals will guide you through the process. The exact amount of time required for you to get your money varies, but is normally between 45-90 days. Get a free, no obligation quote now and be on your way to solving your financial worries.

Tired Of Getting That Small Structured Settlement Payment?

If you currently receive a small monthly settlement payment, you may have wondered if you could sell part or all of your structured settlement payment and get cash now. The answer is yes. You can turn your structured settlement into a large lump sum. The first step is obtaining a free quote. Qualified experts will give you information about how much cash you can expect to receive from your settlement or annuity and the process is quick and easy. Plans can be customized to suit your special situation and the terms are flexible.

You have the right to sell your structured settlement. Upon receipt of your completed application, you will receive documents explaining how much money you will receive. The process takes up to 90 days or more, after which time you will get a lump sum of cash to do with as you please. You will be able to meet your financial needs and improve your quality of life. Structured settlement payments seem like a wonderful idea, but often times our lives change and your financial needs may be drastically different than when you began receiving payments. There has never been a better time to sell all or part of your remaining settlement of annuity payments.

Periodic payments are often not enough to meet the needs of a busy lifestyle and a growing family. If you have debts to pay, want to purchase a new home, or just want the freedom of having a large amount of cash at your disposal, now is the time to look into selling your future payments. The application process is quick and easy. Experienced professionals who can guide you through the entire process effortlessly will contact you immediately upon receipt of your application. Get a quote now and get your money sooner than you thought possible. You are under no obligation and the quote is free and easy.

Structured Settlement Factoring Requirements

Personal injury cases are often settled through the use of structured settlements. Prior to settling your claim, it is decided that you will receive periodic payments through a structured payout. The insurance company paying your claim funds the payment obligation to you by purchasing an annuity that makes payments directly to you according to the terms of your settlement agreement. In considering whether or not to sell your settlement or annuity payments, you may be concerned about the particular terms and structured settlement factoring that will be required.

If you are locked into structured settlement or annuity payments, and these payments are no longer serving your financial interests you now have a choice. Purchasers of annuity payments, also known as annuity factoring companies, are available to help you examine your individual situation and help you make an informed decision about your interests and your future. The particulars in determining the factoring of a structured settlement will depend on a number of things.

How much is your structured settlement worth? The variables involved in determining the cash value of your future annuities include the insurance company's financial rating and the length of time you are to receive the payments. You can choose to sell all of your remaining payments, half of your remaining payments, or a portion of some or all future payments. Sell your structured settlement in the way that will best achieve your financial goals.

Structured settlement buyers will provide you with an in-depth analysis with no upfront expense and no obligation to sell. Rates will vary depending on the structure and type of the transaction and all fees will be disclosed ahead of time. Financial experts will help you come up with a plan to suit your needs. You can receive a lump sum payout, choose a convenient series of payments, solve cash flow problems, and take control of your money. Selling your structured settlement payments is a viable option to put the cash you need in your hands now.

Beware of Structured Settlement Abuses

While normally a safe practice, there are several areas of potential exploitation and structured settlement abuse that an injury victim or plaintiff should be aware of when entering into a structured settlement payment agreement.

In establishing a structured settlement the plaintiff relies heavily on his or her attorney in establishing the agreement and negotiating on their behalf with the defendant and their attorney. It is important that you understand any financial relationship between your attorney and the financial services firm or proposal he is recommending. It is not appropriate for your lawyer to receive commissions, fees, or to purchase the settlement without full upfront disclosure to you in advance. You would not want the person whom you are relying on for advice to be influenced by commissions or financial incentives from outside parties.

It is important that the plaintiff understand be able to compare the actual value of a cash settlement to the discounted present value of a structured settlement. At first the structured settlement may seem significantly larger, but on a discounted present value basis the future payment annuity may actually be less than a cash lump sum settlement. Be sure you understand if the defendant will receive any rebates or commissions from the structured settlement insurance company. It is also wise to compare charges and fees for establishing the settlement by various companies.

Insurance companies are the ones who normally administer annuities such as structured settlement payments. These specialty financial products are highly profitable since they are very specialized in nature. The plaintiff must be aware and guard against excessive commissions, which would be taken out of their settlement. As a consumer it is always wise to shop around because you do not want excessive fees or commissions to diminish the value of your structured settlement agreements.

A final consideration that must be taken into account is the harsh reality that the life expectancy of a personal injury victim has often been diminished by their injuries. Structured settlement companies know this and factor this into their calculations but the plaintiff might now have thought about this. Since an annuity can be structured any way you choose, you may want to weigh the alternatives of having a payment that terminates upon the beneficiaries death vs. having a fixed number of payments that could be transferred to the plaintiffs estate in the event of a premature death. This is a decision for the plaintiff and their family to make.

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