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Sell your annuity settlement

Selling My Annuity

In the face of an investment opportunity, large amounts of debt or unexpected medical expenses, selling part or all of your annuity may give you the financial freedom you need.

Annuity owners invest in an annuity agreement for financial stability after retirement or as a trust to secure their families’ futures. But when life throws a curve ball, annuity payments could be the short-term solution for long-term debt and unplanned expenses. If that’s the case, annuity owners have the option to sell some or all of their annuity payments for an immediate lump sum.

Selling annuity payments could be the solution for an array of financial woes. Whether that includes buying a new house, paying for a new car, paying for college tuition or even balancing medical expenses, cashing out a portion of your annuity could be the solution to avoiding unnecessary debt.

However, it is important to understand the risks when deciding to sell a portion or all of an annuity. Selling an annuity comes with a slew of transnational fees, interest fees, and other costs depending on how early annuitants withdraw funds. It can also reduce the number of future payments an owner or his beneficiaries receive.

Reasons to Sell Annuity Payments

There are plenty of reasons for selling annuity payments, but some of the most common include:

  • Losing a job
  • Investing in a business
  • Paying medical bills
  • Paying off debt (student loans, credit card bills, etc.)
  • Paying for school tuition
  • Buying a new home
  • Buyer’s remorse

Whatever the reason, it’s important annuity owners know the best selling options to cash out on their investment.

Selling Options

Annuity owners have several options when selling their payments, including selling the entire annuity, part of it, or a lump sum amount.

Prior to selling your annuity, it’s important to seek counsel. During your consultation with CBC Settlement Finding, our customer representatives will be able to answer any questions you may have regarding the selling process and offer suggestions. It is also important to consult your attorney or accountant before deciding to sell your annuity. In many states this is legally required.

Entirety Purchase

The entirety — or straight — purchase is the most common option in selling an annuity. This strategy includes selling the annuity for the full term of the contract. This means the entire investment is emptied, providing the owner with a lump sum of cash in hand. The entirety purchase eliminates any chance to receive future income payments from the annuity contract, but in turn provides the opportunity to invest or pay off debt using a lump sum.

Partial Purchase

A partial purchase involves selling a portion of an annuity for a temporary period of time in exchange for a lump sum. If an annuity owner has a 10-year contract but needs money for a new car now, he can sell his annuity from years one to three in exchange for a lump sum. However, for three years, the annuity payments will stop. Once those years pass, he will begin to receive the steady stream of annuity payments for the remainder of his contract.

Lump Sum Purchase

Similar to a partial purchase, an annuity owner can opt to sell a portion of their investments in exchange for a lump sum. The difference is that the amounts are more specific. If an annuitant needs a set amount of money to repair a house, the amount will be taken from the future annuity income stream.

Ways to Spend Your Money

Most people begin the selling process with a specific need in mind. With money in your bank account, you finally have the resources to address a variety of financial dilemmas. When a pressing debt or emergency cost demands attention, people discover that funds locked in their structured settlement or annuity offer a solution, allowing them to move forward.The majority of sellers use their cash to:

  • Make a major life purchase (house, car or business)
  • Fund a divorce
  • Pay off credit-card debt and improve their credit score
  • Pay off medical bills
  • Finance a college education or pay student loans
  • Pay for a funeral

Know that how you spend this money now has repercussions for your future financial well-being. The best decisions are ones that ensure that the sacrifice you decided to make – giving up long-term income for money now – pays off.

Making a Major Life Purchase

At several points during our lives we have to make a significant purchase, like purchasing a car, home or business. The emotional part of the decision is one thing. Making sure the purchase is a wise one is another. Some fast facts: Buying a House – The average first time home buyer is 31 years old, according to the California Association of Realtors. The average price of an existing home is $188,000, according to the National Association of Realtors. Buying a Car – The average number of cars bought in a lifetime is 9.4. The average transaction price for new, light vehicles in 2014 was $32,495, according to Kelley Blue Book. Starting a Business – The average cost of starting a business from scratch is $30,00, according to the Kauffman Foundation. The average startup raises $78,406 to get off the ground, according to Forbes.

Buying a House

Whether you’re single, married or starting a family, going from a rental apartment, condo or house to a home that you own is a big step. Culturally, it symbolizes a move to adulthood. Realistically, it means you’re putting down roots and making the call to build equity. After years of paying rent with no slice of ownership, home ownership means having something tangible to sell when your next move comes.

The greatest obstacle to buying a house is the down payment. The amount is a percentage of the price of the house, and the exact percent depends on the type of loan you secure. The lowest down payment is usually 5 percent, and most loans ask for 10 percent down. Pro Tip – The good news is you can use the money from the sale of your annuity or structured settlement for the down payment or perhaps to even pay for the home in full.

Others use their lump sum to pay down a significant portion of their mortgage. This might be especially useful, for example, if you received a structured settlement following an accident you were in as a child. The annuity was set up to pay you a small amount each month for living expenses, but didn’t take into account the large amount of money required for modern down payments on a home.

Buying a Car

Whether you’re buying your first car or your fifth, there are bound to be up-front costs. And as with home buying, the more expensive the car, the higher the initial costs. Cars deteriorate much faster than homes, though, meaning they will need to be replaced at some point. Pro Tip – Even if you’re buying an inexpensive new car, you can benefit from putting down more money up front because you’ll have lower payments or less payments later.

Settling for a used car can sometimes also be a wise choice, but resist the urge to buy the cheapest vehicle out there — you could end up paying in repairs and consistent maintenance down the road. Leasing a car may also be a viable option. It’s similar to renting an apartment, during which period of time you pay a monthly fee for using the car. That fee can skyrocket, though, if you drive an excess of miles.

If your car suddenly breaks down and you have no funds to replace it, the best solution may be to use some of your annuity funds. Selling your payments to receive this money up front can solve your car financing dilemmas and alleviate long-term debt.

Starting a Business

Gathering capital to get a business off the ground is difficult. The amount of money you need to buy or rent a commercial property could be substantially higher than what it could cost you to buy a house. Plus, purchasing or leasing property isn’t the only startup expense you’ll face. You’ll also need capital to purchase equipment, start marketing campaigns, hire accountants or lawyers, recruit staff and pay overhead expenses.

It can be difficult to attract investors at this time, especially if you’ve never run a business before. Using some money from your structured settlement or annuity may be a way to finance your entrepreneurial goals.

Paying Bills

No one enjoys living with debt hanging over them. Regardless of where your debt comes from, owing hundreds or thousands of dollars brings stress and impedes the pursuit of happiness. In some of these situations, a lump sum of cash can knock out a large portion of your debt and allow you to better handle the crisis you are facing.

Paying Off Medical Bills

Medical bills are one of the most unpredictable and unavoidable expenses a person may face. In fact, medical debt is the single biggest cause of personal bankruptcies in America. This kind of debt can come following dental work, minor surgery, car accidents and major emergencies.

According to the Centers for Disease Control and Nerdwallet, one in five American adults struggles to pay medical bills, and 10 million adult Americans face medical bills they can’t pay each year despite having health insurance.

Paying Off Credit Card Debt

Credit-card debt is about as commonplace as owning a smartphone. Across the country, people struggle to pay monthly bills and juggle one to three credit balances while trying (often unsuccessfully) to pay off even one of the cards. Missed payments charges and late fees pile up. Credit card issuers increase interest rates and make the debt hole even bigger. Pro Tip –According to a Bankrate survey, one in three adults ages 30 – 49 have more credit card debt than emergency savings.

Shedding credit-card balances is one of the biggest reasons why people sell their structured settlement payments. It’s difficult to get out of a cycle of credit-card debt without some form of instant money, be it from winning the lottery or from inheriting from a deceased loved one or cashing an annuity in.

Paying Off Student Loans

The price of higher education increases every year, forcing thousands of Americans to rely on student loans to some degree to afford school. Current estimates are that 40 million Americans carry some amount of student loan debt, which adds up to about $1.2 trillion.

Some children who receive structured settlements may have funds allocated toward college expenses, but if tuition prices rise dramatically from the time of the court case to the time of attendance, the student may need to sell part of their settlement to avoid debt. You may also choose to sell part of your structured settlement to finance a college education if you were in a workplace accident and need to learn a new trade after your injury prohibits you from working in your old one.

Affording Your Divorce

Divorce hurts; not only does it drain you emotionally, but it also deals both sides a financial blow. It’s common for both parties to feel like they got the short end of the financial stick. And then there are the added costs: legal fees, therapy and child counseling costs.

The reality is that annuity holders sometimes have to sell all or part of their future payments because they’re a shared asset. Other times, one side has to sell just to avoid going broke during or after a divorce. In most cases, it beats bankruptcy.

The Annuity Selling Process

Although the annuity selling process is easy, it can be a lengthy one.

  • Step 1: Ask For Guidance – If you’re thinking of selling your annuity, it’s important to first seek guidance from a trusted financial advisor or attorney. Both can help to determine whether this decision could hurt your financial future, in addition to presenting helpful alternatives.
  • Step 2: Get a Quote – Once you’ve determined selling the rights to your future payments is the best decision for you, contact us at CBC Settlement Funding. Our skilled customer representatives are ready to offer you a quote for no cost and with no obligations. Have additional questions? Our team can help answer those, too. Our customer representatives will also explain all of your options for receiving lump sum cash in hand from selling a portion or all of your annuity payments.
  • Step 3: Schedule a Court Date – After you complete the paperwork our attorneys need to get started, they will schedule a court date for a judge to hear your request. Annuitants must have a judge’s approval in selling annuity assets before receiving any immediate payment. Once approved, CBC Settlement Funding and your lawyer will arrange your payment.

Annuity Sale Factors

When considering whether to sell your annuity, it’s also important to consider all the factors involved with the sale, including the value of your annuity, discount rates and tax implications.

  • Discount Rates – When you sell your annuity, you will not be paid the full amount the annuity is worth. In exchange for receiving a lump sum up front, you will agree to sell your annuity at a discounted amount based on predicted future interest rates. This percentage is called a discount rate. When researching annuity buyers, make sure to ask what discount rate the company prefers to use. The lower the discount rate, the more money the seller will receive in their lump sum payout.
  • Annuity Value – Besides the discount rate, other factors that will impact the value of your annuity, or how much a buyer will agree to purchase it for, are how much you wish to sell, the current economic conditions, predicted future economic conditions, fees or charges your annuity carries and frequency of your payments.

How Much is My Annuity Worth?

The value of an annuity greatly depends on the company the annuity owners have invested with and the number of payments or amount they plan to sell. Before investing in an annuity, take some time to shop around to discover which company will present you with the most competitive pricing and the least amount of withdrawal fees.  Withdrawing annuity savings early can increase the amount of interest needed to pay for a lump sum of your earnings.

In addition, the amount of annuity payments owners wish to sell will determine the amount of cash they get up front. The larger the portion of annuity they sell, the larger the lump sum they receive. However, it is imperative to understand annuity owners will never receive the full amount of their investments. In order to get money up front, annuitants will have to pay interest on their annuity portions.

Pros and Cons of Selling

Cashing out on annuity payments can help to alleviate debt and other financial strains. On the other hand, selling your annuity can impact your financial future. Before making such a significant financial decision, the annuity owner must weigh the pros and cons. Sometimes short-term pleasures can affect a long-term financial cushion.

Pros to selling your annuity include:

  • Instant Cash – If you need quick cash for an emergency payment, investing in a new home or any other incidental, annuity owners have more efficient access to funds versus waiting years for the first payment.
  • Less Debt – Selling annuity payments can help to pay off debt once they’re cashed out. If you have college loans that need to be paid off or if you are still in debt from a home repair, sold annuity payments can help.
  • More Options – Annuity owners do not have to sell all of their payments for cash. There are a multitude of options to receive quick cash while still being able to invest in a future financial cushion.
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Cons to selling your annuity may be:

  • Reduced Future Income – Although quick cash can help to prevent financial woes, annuity owners must remember that selling your annuity early can affect your long-term retirement savings and investments. Using payments now reduces the number of payments you’ll receive in the future.
  • Buyer’s Remorse – Using invested payments for unnecessary expenses can hurt in the long-term. Easier access to a lump sum of money can lead to irresponsible spending habits and unnecessary purchases.
  • No Full Price Payments – If you to choose to sell half of your annuity payments, you will not receive the entire half in a lump sum. The amount of transactional and withdrawal fees charged determines the amount of interest you will have to pay to receive immediate cash.

Selling My Annuity Payments: FAQs

Will I Get Taxed When I Sell My Annuity For Cash?

Whether or not annuity payments are taxed when sold to a structured settlement buyer depends on the nature of the annuity. In most cases, such a transfer is tax exempt under current Internal Revenue laws.

This said, there are many different kinds of annuities, and these are different from the kind of structured settlements that one may receive from a successful lawsuit or a large insurance settlement. An annuity may come from some type of monetary account or a life insurance policy. Annuities from a 401(k) or other retirement account are taxed as soon as you start drawing out the money at retirement, though they are tax-deferred while the worker is making contributions.

Keep in mind that unlike a structured settlement from a lawsuit, an annuity is an investment vehicle that the beneficiary contributes to over time, building a cash reserve from which s/he can receive regular payments later on (a good example is a life insurance policy).

There may or may not be tax penalties if you sell an annuity for cash. A great deal depends on the nature and source of the annuity, whether you are the original owner or received it as a gift or legacy. If you have questions about the tax liability associated with selling an annuity, it is strongly recommended that you consult with a tax attorney or CPA prior to contacting CBC.

Why Do I Need Court Approval To Sell My Annuity Payments?

When you are looking to sell your future payments, it may not be the best idea. Perhaps you rely heavily on the income or the offer you have received isn’t the best you can do. This is why selling your future payment requires court approval. The courts are supposed to review the transaction to determine if it is in your best interest. So how can they do that if they don’t know why you need the money? Sure it is in the documentation but hearing the reason directly from you makes a huge difference.

Prior to 1970, injured parties would receive cash lump sum payments. Due to a series of unfortunate events in Canada and Europe, there was a need for settlement money to last throughout an injured party’s lifetime. As a result structured settlements became popular. For over 30 years, the federal government has been encouraged their use even for settlements less than $10,000.

However, sometimes the annuitant’s needs change requiring access to their future payments sooner than planned. In order to protect their rights, forty-eight states and the federal government have enacted consumer protection statutes establishing specific conditions regarding the sale of future annuity payments. Under the federal law, court oversight and approval is required for individuals choosing to sell structured settlement payments to a third-party. The statutes vary by state but they’re designed to protect the interest of all the parties involved especially the seller.


We’ve compiled both a list of firms that distribute settlement payments and a list of brokers you can approach if you want to sell your settlement payments for a lump sum. Inclusion on this list is not an endorsement of any firm.

Which settlement company is the best overall? Which structured settlement company is the best in the secondary market? Which company is the best for you. While there may not be a definitive answer, there are a number of factors that you may consider:

  1. How do the terms the company offers you compare with terms offered by others?
  2. How does the company treat you? With friendliness, patience, and understanding?
  3. Do you have any reason to question or doubt the financial standing of the company?


Companies That Buy Structured Settlements

Phone: Call 1-888-999-8606
6230 Wilshire Blvd,
Suite 1795
Los Angeles, CA 90048 buys income streams, including structured settlements and annuities from people trying to sell them. We aim to treat everyone with respect and allow for informed decisions, while paying a fair price. We welcome you to compare anyone else’s offer to ours.

189 S. Orange Ave,
Suite 1600
Orlando, FL 32801

Florida based targets both annuity and structured settlement owners with articles aimed at addressing their questions.

Annuity Transfers, Ltd.

Phone: 972-952-0260
1800 Preston Park Blvd.
Suite 115
Plano, TX 75093

Annuity Transfers, Ltd. is a structured settlement funding company. The company has been in operation since 2003 with its headquarters based in Plano, Texas. The services include purchase of structured settlement payments via a court order and insurance company annuity payments that have no relation to a settlement. Annuity Transfers, Ltd. has an A+ BBB Rating.

Arcadia Settlements Group, Inc.

Phone: 800-354-4098 (Corporate Office)
303-337-0400 (Local)
5613 DTC Parkway,
Suite 700
Greenwood Village, Colorado 80111

Arcadia (formerly EPS Settlements Group) has a rich history as the first structured settlements firm in the world. With more than 160 experienced settlement professionals across 50 offices in the United States, in 2017 Arcadia became the only international structured settlements organization in North America with the introduction of EPS Settlements Group of Canada. The firm is specializing in Structured Settlements, Liability, Auto Liability, Workers’ Compensation, Medical Malpractice, Defense Base Act, Employment Litigation, Mass Tort, Discrimination, Trucking, Maritime, Annuities, Jones Act and FHLA, Federal Government, and Medicare and Medicaid.

Capital Planning, Inc.

Phone: 952.541.9464
Toll-free: 800.328.3862
2051 Killebrew Drive
Suite #640
Bloomington, MN 55425

Capital Planning Inc. is a settlement annuity company founded in 1981 and based in Minneapolis, Minnesota. The company is a founding member company of the National Structured Settlement Trade Association. The services include financial consulting, broker services and tenders dexterous guidance of structured settlement annuities serving clients throughout the nation.

CBC Settlement Funding

Phone: 800-843-9020
181 Washington Street,
Suite 375
Conshohocken, PA 19428

CBC Settlement Funding, founded in 2009, is an accredited annuity and structured settlement buyer. In January 2014, Asta Funding, Inc., a financial services receivable asset management and liquidation company, purchased CBC Settlement Funding. The services provided by CBC Settlement Funding include structured settlement and annuity purchasing as well as pre-settlement funding. CBC Settlement Funding has an A+ BBB Rating.

Client First Settlement Funding LLC

Phone: (888) 594-1195
301 Yamato Rd #3200
Boca Raton, Florida 33431

Headquartered in Boca Raton, Florida, Client First Settlement Funding was formed in 2008. Client First Settlement Funding is a financial services company specializing in purchasing and selling structured settlements, lottery payments, and annuities in the United States. It serves as a direct funding company providing clients with large lump sum in exchange for their monthly, quarterly, or annual payments/receipts.

Client First Settlement Funding has an A+ BBB Rating.

DRB Capital LLC

Phone: 888-981-8703
1625 S Congress Ave,
Suite 200
Delray Beach, Florida

DRB Capital is a privately held company founded in 2007 and headquartered in Delray Beach, FL. DRB Capital is specializing in structured settlement funding, annuity funding, and pre-settlement funding. The company is experienced in helping customers in need, who have structured settlements, annuities, investment annuities, and life contingency structured settlements, to get the lump sum of cash they need right now.

DRB Capital has an A+ BBB Rating.

Fairfield Funding

Phone: 888-943-8637
3424 Peachtree Rd NE
Atlanta, Georgia

Located in Atlanta, Georgia, Fairfield Funding a.k.a. Apis Management, LLC, was established in 2008 by pioneers in the structured settlement purchasing industry. Fairfield is a direct funder of structured settlement annuity payments, lottery winnings and different types of annuities. As such, the company provides a lump sum of cash for the future payments. They can also provide valuation services for guaranteed payments due to an estate.

Fairfield Funding has an A+ BBB Rating.

J.G. Wentworth

Phone: (866) 930-6480
Phone: (855) 770-8956
201 King of Prussia Road,
Suite 501
Radnor, PA 19087

J.G. Wentworth is a diversified consumer financial services leader focused on providing direct-to-consumer access to financing needs through a variety of solutions, including: mortgage lending and refinancing, access to personal and business loans, structured settlement payment purchasing, and prepaid cards. The company was founded in 1992 and is headquartered in Radnor, PA. J.G. Wentworth has an A+ BBB Rating.

LIiberty Settlement Funding

Phone: (855) 643-0333
(855) 285-4158
1855 Griffin Road
Suite B354
Dania Beach, FL 33004

Headquartered in Fort Lauderdale, Liberty Settlement Funding is a specialty finance company that purchases structured settlement payment rights, annuities, and lottery winnings in the secondary market. With over 100 years of collective industry experience, Liberty is an industry leader in tailoring financial solutions to its customers’ needs while also expanding its suite of financial products.

Liberty Settlement Funding has an A+ BBB Rating.

Mainstreet Funding

Phone: 404-855-3330
Toll free: 877-919-8003
197 West Crogan Street
Lawrenceville, GA 30046

Mainstreet Funding was established in 2011 and is headquartered in Lawrenceville, Georgia. Founded by pioneers in the structured settlement, lottery and annuity financing industry, Mainstreet Funding is a leader in the structured settlement industry.

Mainstreet Funding provides the top dollar today for future annuity, structured settlement and lottery receivables while ensuring that the integrity of the original payment stream is maintained to support future needs of each individual.

The experience and expertise of over 17 years and depth in providing cash solutions to those who have long-term payment streams, as well as a low-cost, low-rate model built to ensure clients receive a great deal for their payments make Mainstreet Funding a premier financing consultant in this industry.

Millennium Settlements, Inc.

Phone: (800) 573-8853
3500 Financial Plaza
Suite 202
Tallahassee, FL 32312

In 1984, Millennium Settlements, Inc. opened its doors with the goal of becoming an industry leader in the very specialized field of Personal Injury Settlement Design Consulting. Today the company offers services, including: Structured Settlements, Attorney Fee Structures, Legal Settlements, Financial Services, Medical Malpractice, Personal Injury, Wrongful Death, Medicare Set-Asides, and Worker’s Compensation.

Millennium has corporate offices in Tallahassee, FL, Austin, TX and San Diego, CA and consultant offices throughout the United States.

Novation Settlement Solutions

Phone: 888-979-3740
1641 Worthington Road,
Suite 410
West Palm Beach, FL 33409

Since 2000, Novation Settlement Solutions (formerly known as Novation Capital) has purchased over $1.5 billion in structured settlements, annuities, lottery receivables and other similar cash flows. Novation Professional Services serves receivers, trustees and liquidators by paying cash for structured settlements and annuities; entertainment and sports royalties; annuitized lottery prizes, sweepstakes and progressive jackpot awards; deferred compensation contracts; inheritances, bequests and future interests; and other illiquid cash flows.

Novation Settlement Solutions has an A+ BBB Rating.


Phone: 800.513.1394
Corporate Headquarters
7920 Norfolk Ave.
Suite #300
Bethesda, MD 20814
Florida Office
105 South Narcissus Avenue,
Suite 710
West Palm Beach, FL 33401

Headquartered in Bethesda, MD, since 2002 SenecaOne has grown to be one of the largest financial services companies of its kind in the country. More than just buying structured settlement annuities or lottery prize winnings, the specialists in SenecaOne explore options and opportunities designed to help their customers realize their long-term financial goals. SenecaOne is also an established leader in the lottery prize purchasing market. The company is a member firm of the National Association of Settlement Purchasers, the only professional trade organization for participants in the secondary market for structured settlements.

SenecaOne has an A+ BBB Rating.

Settlement Capital Corp.

Phone: 800-959-0018
14755 Preston Rd.,
Ste. 610
Dallas, TX 75254

Settlement Capital Corporation (SCC) is a specialty financing company that provides liquidity to owners and holders of periodic payments resulting from structured settlements, annuities, lottery winnings and other secured future payment obligations. It offers structured settlement factoring, single premium annuity financing, and future payment options service, as well as lottery winners the choice to sell their long-term payment streams in exchange for a lump sum payout. The company was founded in 1988 and is headquartered in Dallas, Texas.

Settlement Capital Corporation has an A+ BBB Rating.

Stone Street Capital, LLC

Phone: 301 951 8900
7316 Wisconsin Avenue
Fifth Floor
Bethesda, MD 20814

Created in 1989, Stone Street Capital is the first and oldest lump sum company and has been the leader in the specialty finance industry ever since. The company helps people receive cash through future payment streams, such as structured settlements, personal injury settlements, lawsuit settlements, annuities, and lottery, contest, and slot jackpot prizes. The company is based in Bethesda, Maryland.

Stone Street Capital has an A+ BBB Rating.

Strategic Capital

Phone: 866.256.0088
575 Madison Ave
Ste 1006
New York, NY 10022-2511

Strategic Capital Corporation was founded in 1994 and since then the company has been buying lottery prize payments, investment annuity payments, IGT casino winnings and other future payments and became a structured settlement buyer in the early 2000’s only after structured settlement transfers became regulated by law. The company is headquartered in New York, NY.

Strategic Planners, Inc.

Phone: 800-727-3885
8841 Williamson Dr.
Ste. 30
Elk Grove, CA 95624

Settlement Planners, Inc. is a national structured settlement planning firm providing attorneys with analysis, design and implementation of periodic payment packages in the resolution of personal injury and wrongful death litigation. The services provided include: Structured Settlements, Attorney Fee Planning, Trust Services, Qualified Settlements, Qualified Settlement Funds (QSF), Non-qualified settlements, Lien Resolution, Mass tort settlement resolution, Government benefits preservation, Special Needs Trusts (SNT), Medicare set-asides (MSA).

Woodbridge Structure Funding, LLC

Phone: 561-447-0401
123 NW 13th Street,
Suite 309
Boca Raton, FL 33432
California Branch Office
14225 Ventura Blvd.
Suite 100
Sherman Oaks, CA 91423

Since 1993 Woodbridge Structured Funding, LLC, a Florida and California-based company, has been a leader in the structured funding industry. Over twenty years ago, they innovated the purchase of future payments in return for a lump-sum. Woodbridge specializes in future payments, helping clients sell a range of future payments, including annuities, jackpot winnings, lottery winnings, structured settlement payments.

Woodbridge Structured Funding, LLC has an A+ BBB Rating.

Companies That Issue Structured Settlements

Mutual of Omaha Insurance Company

Phone: 402-342-7600
3300 Mutual of Omaha Plaza
Omaha, NE 68175

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Mutual of Omaha Insurance Company was founded in 1909 and is headquartered in Omaha, NE. The company is a full-service, multi-line provider of insurance and financial service products throughout the United States. The annuity solutions to both individuals and groups include: Income annuities (Ultra-Income, Income Access, Deferred Income ProtectorSM, Income Annuity with Premium Return); Deferred annuities (Bonus Flexible Annuity, Ultra-Secure® Plus); Structured Settlements; Group Annuities (Pension Guard®, Retirement Annuity Solutions®, Corporate Annuity Solutions®, Solutions for Gift Annuity Programs®, IRAdvantage Plus®).

Mutual of Omaha Insurance Company has an A+ BBB Rating.

Pacific Life Insurance Company

Phone: (800) 800-7646
(800) 722-4448
P.O. Box 9000
Newport Beach, CA 92658-9030

Headquartered in Newport Beach, CA and offering insurance since 1868, Pacific Life provides a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. The products and services offered by the company for individuals include Annuities, Life Insurance, Mutual Funds, and products for businesses are Life Insurance, Pension Risk Transfer, Real Estate Investments, and Structured Settlements.

Pacific Life has an A+ BBB Rating.

Prudential Financial, Inc.

Phone: 888-778-2888
Prudential Annuities
P.O. Box 7960
Philadelphia, PA 19176

Prudential Financial is one of the world’s largest financial services institutions. Founded in 1875 and headquartered in Newark, NJ, for over 140 years Prudential Financial has helped people grow and protect their wealth. They offer individual and institutional clients a wide array of financial products and services, including Life Insurance, Annuities, Mutual Funds, Group Insurance, Retirement Services, Investment Management, and other financial services to help solve today’s financial challenges. Competitors include New York Life, Metropolitan Life, and American General.

UBS Financial Services Inc.

Phone: 877-827-8001
1285 Avenue of the Americas, 16th Floor
New York,
New York 10019

With a 150-year history and a network of offices in over 50 countries on 5 continents, UBS has extensive experience managing the wealth of high net worth and ultra high net worth individuals. UBS offers a wide range of annuity products from some of the most established and well-respected insurance companies in the U.S. Structured Settlement Consulting Companies

Ametros Financial

Phone: 877 905 7322
P.O. Box 827
Burlington, MA 01803

Founded in 2010 and headquartered in Burlington, MA, Ametros Financial is backed by Clarion Capital Partners, LLC, a New York based private equity firm.

Ametros’​ team works closely with patients, insurers, employers, attorneys, brokers, medical providers, and Medicare and innovates, bringing new solutions to the market to simplify healthcare and create a seamless experience for their clients.

Ametros specializes in MSA Professional Administration, Custodial Accounts, Medicare Set Asides, Worker’s Compensation Settlements, Liability Settlements, Special Needs Trust Administration, Medicare Compliance, Structured Settlement Administration, Settlement Mediation, and Medical Savings.

The settlement solution products offered by the company include CareGuard, the first fully automated solution for professional administration which gives the member 24/7 insight into their spending and savings trends; The Amethyst Healthcard, which maximizes clients’ medical funds by linking to their existing bank account, facilitating all care-related payments; and CareQuote, used in all personal injury cases, including workers’ compensation and liability cases, in order to bridge the gap to settlement for both the defense and plaintiff.

Atlas Settlement Group, Inc.

Phone: 404-926-4160
3565 Piedmont Road NE
Building 1, Suite 525
Atlanta, GA 30305

With its corporate office in Atlanta, GA and offices located within the United States and United Kingdom, Atlas Settlement Group, Inc. is a structured settlement company with leading professionals, strategically located throughout the United States. The firm offers structured settlements for medical malpractice, personal injury, product liability, workers’ compensation, mass torts and construction defect cases as well as structures for non-physical injury cases and attorney fees –all at no cost to attorneys or their clients. Atlas is dedicated to uncompromised service from the first phone call – to the delivery of the final documents, and beyond.

As a structured settlement brokerage team, Atlas has more than 30 years of experience and has placed more than $3 billion in annuity premiums and U.S. Government notes. The firm provides support and legal advice during all phases of settlement negotiations, court hearings, mediations, arbitrations and settlement conferences.

Bradford Settlement Company

Phone: 404.851.1772
Toll Free: 866.851.1772
6000 Lake Forrest Drive
Suite 280
Atlanta, GA 30328

Bradford Settlement Company is a structured settlement and annuity planning firm that operates out of Atlanta, GA. Since 1981, Bradford Settlement Company has provided Structured Settlement advice and services to the injured and their counsel. In addition to standard structured settlement services, Bradford Settlement Company also offers services related to Medicare set-asides, tax deferred attorney fees, and other services.

Brant Hickey & Associates

Phone: 412.356.1001
Toll free: 800.364.6488
1810 Mt. Nebo Road
Sewickley, PA 15143

Brant Hickey & Associates is an independent broker of Structured Settlement annuity products. Founded in 1982 and with an impeccable track record of maximizing returns for injured persons and their families, Brant Hickey & Associates is one of the leading providers of Structured Settlements in the United States.

Headquartered in Pittsburgh, Pennsylvania and with offices in major cities across the U.S, Brant Hickey & Associates offers services by a team of experts including not only settlement consultants with over 20 years experience, but also economic experts, certified life care planners and trust experts. These services include complex litigation cases in the aviation field, as well as other catastrophic loss cases, including medical malpractice, automobile and product liability with permanent injury and workers compensation claims. The firm offers same day quotations, settlement conference participation and economic analysis with insights to better the outcome for all parties.

Chronovo, Inc.

Phone: 844 600 6686
78 Blanchard Road, Suite 206
Burlington, MA 01803

Chronovo was founded in 2015. With innovative technology and incomparable personnel to make structures intuitive, graphical and accessible for everyone, Chronovo has made the “new time” in structured settlements its primetime standard.

The team of financial experts, settlement advocates, compliance counsel and multi-line claims professionals specialize in Structured Settlement Services, Insurance Services, namely, brokerage in the field of insurance, assessing insurance claims, consulting and information concerning insurance, financial evaluation for insurance purposes, and Annuities.

Chronovo’s comprehensive solution set streamlines and enhances the process of providing tax-free, lifelong security for all injured individuals and the professionals who support them. Specialty practice groups – Complex Claims Group, Chronovo Consulting Group and Chronovo Connect, are among the many innovations brought to the structured settlement industry by Chronovo.

Cornerstone Settlement Services, LLC

Phone: 901-766-0166
5575 Poplar Avenue
Suite 617
Memphis, TN 38119

Cornerstone Settlement Services was founded in 2001 by Joe McCormack, a founding member of the Society of Settlement Planners, who has provided structured settlements, special needs trust and installment sales advice to attorneys and businesses throughout the nation.

The company is located in Memphis, TN and has a team of professionals dedicated to creating innovative and individually customized structures and also offering plaintiffs a broad spectrum of settlement consulting services. These services include Structured Settlements, Special Needs Trusts, Medicare Set-Aside Trusts, Medical Lien Negotiation Services, Medicare/Medicaid Lien Resolution, and Mass Tort Services.

Structures services provided by Cornerstone Settlement Services include Income Tax Free Structured Settlements, Non-Qualified Structured Settlements, and Structured Attorney Fees.

Creative Capital Inc.

Phone: 732.249.8669
Toll free: 800.327.9224
1200 Tices Lane,
Ste. 102
East Brunswick, NJ 08816

Creative Capital Inc. (CCI), a nationwide Structured Settlement consulting firm, is one of the founders of the structured settlement industry and has been developing creative settlement solutions for over thirty years. The company was founded in 1980 and is headquartered in East Brunswick, NJ. CCI specializes in a wide array of services, including: Structured Settlements, Lien Resolution & MSA Allocation and Analysis, Structured Attorneys’​ Fees, ICO Drafting & Preparation, Pre & Post-trial 50-A and 50-B Calculations, Mediation & Negotiation Support, and Periodic Judgment Analysis and Preparation.

Delta Settlements

Phone: (904) 598-1110
135 West Bay Street, Suite 500
Jacksonville, FL 32202

Delta, a leader and innovator in the structured settlement industry, was founded in 1990. With the home office located in Jacksonville, Florida, Delta Settlements has 24 offices that serve the entire United States. Delta was one of the first members of the National Structured Settlement Trade Association (NSSTA) and a founding member of the Society of Settlement Planners (SSP).

The firm aims at maximizing the use of post settlement dollars and available public benefits through prudent planning, and to achieve this mission, Delta’s business strategy focuses upon expert and ethical business conduct, multi-professional expertise, operating efficiencies using advanced technologies, and comprehensive settlement services.

As Settlement Planners, Delta advises all parties about settlement planning issues including financial options at settlement and then assists attorneys in developing strategies to maximize their clients’ post settlement dollars and to preserve as well as maximize their government benefits including Medicare and Medicaid.

Forge Consulting LLC

Phone: 706-856-2535
Toll free: 866-683-6743
11 Depot Street
Hartwell, Georgia 30643

Headquartered in Hartwell, GA, and with offices in Atlanta, GA, Montgomery, AL, Washington, DC, Ridgeland, MS, Buffalo, NY, New York, NY, and Columbia, SC, Forge Consulting is a national settlement planning firm that has been providing services since January 2003. Licensed in all 50 states, the firm works with attorneys to create settlement plans for plaintiffs and helps plaintiffs fully understand the unique set of issues and settlement options associated with settlement proceeds.

The company focuses on a planning process rather than selling a specific product. The dedicated staff with over 30 members provides vital support to attorneys and their clients with the help of a wide array of settlement planning resources in a wide range of case types, including not only Structured Settlements, Minors Settlements, Qualified Settlement Funds, but also Structured Attorney’s Fees, Asset Protection and Spendthrift Concerns, Lien Resolution Coordination, Life Insurance Analysis, Medicare Set Asides, and Special Needs Trusts.

Holcomb, Smith & Associates, Inc.

Phone: (954) 630-2400
​Toll-free: (888) 395-8772
2888 East Oakland Park Boulevard
Fort Lauderdale, Florida 33306

Black, Holcomb, Smith & Associates, Inc. was co-founded by Chuck Smith and Steve Black in 1995. The firm is headquartered in Fort Lauderdale.

The structured settlements expertise of Black, Holcomb, Smith & Associates has been used in auto liability, general liability, medical malpractice, and workers’ compensation cases, and the professionals have assisted in settling cases nationwide for over thirty years.

Services provided to the injured party (claimant/plaintiff), insured or self-insured, claims professionals, defense attorneys, and plaintiff attorneys include Structured Settlement Quotes, Life Care Plan Annuitized Pricing, NYS Medical Indemnity Fund Calculations (MIF Calculations), NYS CPLR – Article 50-A – Periodic Payment of Judgments in Medical and Dental Malpractice Actions, NYS CPLR – Article 50-B – Periodic Payment of Judgments in Personal Injury, Injury to Property and Wrongful Death Actions, and Kaiser Formula Calculations.

James E. Logan & Associates

Phone: (248) 865-3900
Toll Free: (800) 753-7544
27750 Middlebelt Road
Suite 100
Farmington Hills, MI 48334

James E. Logan & Associates was founded in 1993 by Jim Logan. In 2014, Christine Logan acquired James E. Logan & Associates from her father, and the company became the only woman-owned and independently operated structured settlement firm in the United States. The firm is based in Farmington Hills, Michigan, and licensed to transact business in all states, it provides comprehensive settlement consulting services across the country.

Logan & Associates specializes in providing Structured Settlement services, as well as Medicare Compliance, Medical Record Review, Negotiation Support, Economic Analyses, and Educational Programs & Seminars.

In addition to assisting clients with the resolution of traditional personal, physical injury cases, Logan & Associates can also support them with unique, non-qualified settlements such as employment disputes, sexual harassment, discrimination and other claims that require specialized tax treatment.


Phone: (800) 661-7075
10105 E. Via Linda
Suite 103
Scottsdale, Arizona 85258

JCR Settlements was founded in 2014 but has more than 50 years combined experience in the structured settlement marketplace. The company helps to deal with structured settlement and offers services, including Structured Settlement Annuities, MSA Allocations, Attend Mediations, Life Care Plans, 104 (a) 2 Document Assistance, and others.

JMW Settlements LLC

Phone: 800 544-5533
202 463-1990
1725 DeSales Street, NW
Ste 801
Washington, D.C. 20036

JMW Settlements was founded in 1978 under the auspices of the Julia M. Walsh & Sons investment company in Washington D.C. The initials “JMW” are taken from her name. Incorporated in 1982, JMW Settlements outgrew its surroundings and moved to separate quarters in 1985. The firm was acquired by President Henry L. Strong in 1987 and became a proud member of the Integrated Financial Services family of companies in July 2013. JMW offers full service support in Structured Settlements for personal injury claims and litigation, Due Diligence Services for Settlement Fiduciaries, and Structured Sales of Appreciated Assets.

The McNay Group

Phone: 859-626-3600
2220 Nicholasville Road
Suite 110-321
Lexington, KY 40503

With 30 years of experience in the structured settlement field Mcnay group pride themselves in serving individuals, children and those with special needs plan their financial futures not only in settlements but also in day to day financial needs and requirements. The aim of the company is to make financial matters easier and useful for the individuals, attorneys and all the professionals involved. Not only has the company been an innovator in planning for individuals and settlements but the company also takes initiative to settle workers compensation cases, employment cases and mass torts.

Mesirow Insurance Services, Inc.

Phone: 312-595-6200
321 North Clark Street
Suite 1200
Chicago, IL 60654

Alliant/Mesirow Insurance Services is part of Alliant Americas that operates as a subsidiary of Alliant Insurance Services, Inc. The firms together represent one of the largest and most diverse insurance brokerage and consulting operations in the Midwest.

The company was founded in 2014 and has offices across the United States. The products and services offered by the company include not only Structured settlements, but also Employee benefits, Individual health and Medicare supplements, Integrated human resources solutions, Life and disability, Personal lines, Property and casualty/surety bonds.

Alliant/Mesirow Insurance Services’ Structured Settlements practice provides a broad spectrum of structured settlement services to a diverse array of clients, including property and casualty insurers, third-party administrators, and self-insured organizations.

Alliant/Mesirow professionals are members of the National Structured Settlements Trade Association and not only closely follow the issues and current events impacting the industry today, but also actively participate in several association committees thus having a voice in shaping the standards and direction of the industry’s future.

NFP Structured Settlements

Phone: (800) 845-2969
5415 Lake Howell Road #180
Winter Park, FL 32792

With three generations of insurance, financial planning and settlement experience, and with the financial strength of their parent company, NFP Structured Settlements (formerly NSC) is one of the largest structured settlement firms in the US. The roots of the firm date back to the founding of the industry with over $2 billion in annuity premium placed for the benefit of injured parties and access to a wide array of products, expertise and systems that can truly benefit clients. The firm has offices in Florida, Georgia, West Virginia, Texas, Ohio, Pennsylvania, California, Washington, DC, and South Carolina.

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NFP Structured Settlements is committed to three core values: integrity, hard work and a deep empathy for the plight of injured parties. Structured settlements are the firm’s main focus, but NFP Structured Settlement also offers plaintiffs a broad range of services, including financial planning, trust services, Installment Sales, and wealth management.

Oasis Financial

Phone: 877.333.6675
9525 W. Bryn Mawr Ave, Suite 900
Rosemont, IL 60018

Oasis Legal Finance, LLC, doing business as Oasis Financial, was founded in 2002. Headquartered in suburban Chicago, Illinois with satellite offices across the United States, Oasis Financial is a leader in the regulatory and legislative areas of the consumer legal funding industry.

Oasis provides non-recourse consumer legal funding to individuals involved in personal injury litigation, primarily due to auto and work-related accidents. The services offered by Oasis Financial include Pre-Settlement Funding, Structured Settlements for civil rights, construction negligence, railroad, general negligence, maritime, motor vehicle and passenger injury, pedestrian injury, premises negligence, workers compensation, accidental injuries, workplace negligence, and wrongful death, as well as Post-Settlement Funding, and Same-day Cash.

Pat Farber’s Structured Settlement

Phone: 949-833-3910
Toll Free: 800.734.3910
1851 E 1st St,
Ste 1625
Santa Ana, CA

Patrick Farber works with attorneys throughout California and around the U.S. to create structured settlement annuities for physical and non-physical injury cases, placing over $3 billion in annuity premiums and U.S. Treasury securities. They specialize in providing structured annuities for medical malpractice, personal injury, product liability, workers’ compensation, toxic torts, and construction defect cases as well as for non-physical injury cases and attorney fees.

The Pension Company, Inc.

Phone: (800) 523-4074
2200 Renaissance Boulevard
3rd floor
King of Prussia, PA 19406

The Pension Company was established by Frank Pension in 1963 and was engaged in the use of annuities primarily to generate lifetime guaranteed-income plans to corporate retirees. Beginning in 1978, TPC was involved exclusively in the arrangement of structured settlements for injured parties. Today TPC is the industry leader in providing comprehensive and innovative settlement solutions for all parties involved in liability claims: Product Liability, Workers Compensation, Personal Lines /Auto Federal Tort Claims, FELA/LS&HW Act, Mass Torts, and Environmental Employment.

The Pension Company aims at being known as the true resource for global settlement solutions and strives to achieve this mission by increasing litigation costs; increasing focus on cost/benefit ratios in managing and resolving claims; increasing volume of claims for workers’ compensation; increasing incidence of mass tort actions; increasing privacy mandates on the handling of claims data and medical records.

Ringler Associates Inc.

Phone: (949) 296-9000
(603) 719-1021
27422 Aliso Creek Road,
Suite 200
Aliso Viejo, CA 92656

Ringler is the largest settlement planning company in the United States with over 150 Consultants in more than 70 offices nationwide. Its Ringler settlement plan considers financial resource available, which may mean a combination of strategies, including upfront cash payments, a tax-free structured settlement annuity to meet medical and living expenses, or other financial planning tactics. The company was founded in 1975 and is based in Aliso Viejo, California.

RMAC, Inc.

Phone: 406-761-4957
Toll-free: 877-883-4395
104 Second Street South, Suite 401
P.O. Box 1769
Great Falls, MT 59405

Located in downtown Great Falls, for more than 30 years RMAC, Inc. has been proudly providing clients with tailored financial services and strategies that maximize benefit, manage risk, and conserve assets for financial advisors, as well as the individuals and companies they represent. RMAC Inc is a full scale Asset Management Company offering Financial Asset Management and Strategy services including legal and tax compliant advisory, as well as Structured Settlements, Deferred Income, and Merger & Acquisitions Capital Gains.

RMAC is the only firm in Montana to have earned membership as a Top of the Table Qualifying and Life Member of the prestigious Million Dollar Round Table, The Premier Association of Financial Professionals, based upon the firm’s professional success and strict ethical standards. RMAC’s proven, results-based financial model has helped its professionals to have managed settlements ranging from $50,000 to $40 million and assets in excess of $600 million.

The Settlement Alliance, LLC

Phone: (713) 597-7206
Toll-Free: 855.284.3876
1775 St. James Place
Suite 200
Houston, TX 77056

Founded by Scott Freeman, one of the nation’s most accomplished settlement consultants, The Settlement Alliance is committed to being the nation’s leading full-service settlement planning firm for attorneys and their clients and an indispensable resource during both the pre-and post-settlement process.

The services, offered by The Settlement Alliance professionals, meet a wide range of needs, including Qualified Settlement Funds and Claims Administration, Structured Settlements, Trust Services, Attorney Fee Deferral Strategies, Government Benefit Preservation, Lien Resolution, Medicare Set-Asides (MSA), Mass Tort Settlement Resolution, Non-Qualified Settlements, Bankruptcy & Probate Coordination, and Class Action Settlement Notices.

Headquartered in Houston, TX, The Settlement Alliance also has an administrative office in Austin, TX. The company proudly partners with the highest rated structured settlement providers in the industry and works with leading law firms and many of the top corporate trustees and wealth management firms in the country.

The Settlement Alliance-WEST

Phone: (714) 335-4977
Toll-Free:(800) 354-2258
9210 Irvine Center Drive
Irvine, CA 92618

The Settlement Alliance-WEST was originally established in June 2008 by Managing Partner Traci Kaas. In 2014 Kaas Settlement Consulting started partnership with The Settlement Alliance (TSA) to become TSA’s West Coast division, The Settlement Alliance-WEST. This merger provides The Settlement Alliance-WEST’s clients with greater access to a national network of reputable and highly rated insurance carriers, corporate trustees, and wealth managers. The company is headquartered in Irvine, CA, and has an office in San Francisco, CA.

The company offers services in structured settlement and tax-deferred annuities, lien resolution Medicare/ CMS approvals, special needs trust planning, mass tort settlement resolution, qualified settlement funds, government benefits protection, attorney fee deferrals, estate and tax planning issues, and philanthropy planning, as well as individualized settlement plan design for each claimant, and supporting attorney clients with litigation, mediations, settlement conferences, life care planning and present value cost evaluations at no cost to attorney or client.

Structured Financial Associates, Inc. (SFA)

Phone: 770-393-1028
Toll Free: 800-638-5890
3060 Peachtree Road, NW
Suite 1150
Atlanta, Georgia 30305

Structured Financial Associates, Inc. (SFA), a leading provider of Structured Settlement consulting services, was founded in 1985. Now one of the largest structured settlement brokerage firms in the country, Structured Financial Associates is also one of the first nationally based firms, established shortly after the inception of the structured settlements industry.

More than SFA 70 consultants across the country carefully analyze claimant expenses such as future medical, educational funds, retirement planning, wage loss, etc. Clients can receive needs analysis, structured settlement proposals, economic analysis, and other services as needed and are provided with a variety of financial options for their settlement funds chosen individually or combined.

A couple of new products the firm offers include Settlements Plus™, a flexible option that enables claimants to plan as much as possible and maximize their settlement income, and Fee Structure Plus®, a practical solution that allows contingency-based attorney fees to receive market-related returns on their full value, completely tax-deferred.

Structures, Inc.

Phone: 844.689.3020
3060 Peachtree Rd., Suite 1150
Atlanta, GA 30305

Structures, launched by Integrated Financial Settlements, Inc. (IFS) and based in Atlanta, Georgia, is a product and services provider of settlement solutions and innovative financial programs. Structures leadership team of tax, financial, legal, operations and customer service professionals has unparalleled experience and success within the settlements industry.

A leading innovator and manufacturer of cutting-edge settlement solutions for plaintiffs and their legal counsel, Structures has developed several unique and proprietary programs for contingency fee attorneys and settlement recipients. These programs include Insurance-Based Programs (Structured Settlement Annuity, Fixed-Indexed Annuity, Alternative Insurance Solutions) and Market-Based Programs (Fee Structure Plus®, Settlements Plus™, TFSS™), as well as additional solutions, such as Trust Solutions, including Settlement Management Trusts, Special Needs Trusts, Pooled Trusts, and Settlement Solutions, including Qualified Settlement Fund Admin, Lien Resolution, Medicare Set-Asides, and International Wire Solution.

Summit Structured Settlements

Phone: 515.987.6888
755 S.E. Frontier,
Suite 101
Waukee, IA 50263

Having placed over $4 billion in structured settlement annuity premium in the past eight years and with over fifty full-time professional associates in 48 locations from coast to coast, Summit Structured Settlements is a leader in providing quality structured settlement services and is one of the nation’s five largest structured settlement firms.

Summit Structured Settlements is recognized nationally as a leader in providing unmatched structured settlement services. The Summit brokers uniquely combine knowledge and experience with the traditional broker services and provide the highest quality products available in the marketplace. These services include Income Taxr Free Structured Settlements, Taxable Damage Structured Settlements, Structured Attorney Fees, Government Entitlement Preservation, Diversification of Funds, Administrative Services, Secured Creditor Status, Lien Resolution, and Alternative Products, such as Fixed Indexed, Single Premium Deferred, and Single Premium Immediate Annuities or Life Insurance.

Phone: (203)325-8640
(203) 561-6560
Toll-free: (888) 325-8640
43 Harbor Drive, Unit 309
Stamford, Connecticut 06902

Founded in 2000 and headquartered in Stamford, CT, LLC is a structured settlement expert, settlement planning company and financial services company providing services, including: Structured Settlements, Settlement Plans, Financial Planning, Insurance, Celebrity Endorsements, Structured Legal Fees, Long Term Care, Structured Sales, Funding Agreements, Periodic Payment Reinsurance, Settlement Trust, Employment Cases, and Oil and Gas Lease Bonus.


If you have won a lottery, a personal injury lawsuit, a wrongful death suit, or workers’ compensation case you may be awarded a large sum of money, and your payment will surely be set up as a structured payout. But instead of having your payments stretching over twenty years you’d like to have a lump sum of money right away especially when you have problems like an unplanned emergency or job loss, need to pay college tuition or purchase a business or a new house or just have to pay off some debts. But what if you don’t want to sell your structured settlement? Settlement loans (both post-settlement and pre-settlement) can be a lifesaver.

These loans are provided by structured settlement companies and you make future loan repayments with the interest applied to the loan principal according to terms. You don’t have to risk your assets for the loan, you don’t have to concern yourself with background checks, employment and credit history or even how you’ll have to repay the loan because your settlement structure acts as the collateral. However, it must be taken into account that court approval must be obtained and when you apply for a pre-settlement lawsuit loan the lender company must review documents regarding your case and speak with your attorney so it may take about 90 days for the loan to be processed and funds distributed. Also lenders will provide the loan based on a percentage of the actual settlement and typically this will be somewhere between 70% and 90%.

This type of loan can even be obtained during a pending lawsuit and is known as Pre Settlement Funding, pre-settlement loan or lawsuit loan. The plaintiff can obtain the loan before the case is finally resolved and if he doesn’t win the lawsuit, he doesn’t have to repay the monies advanced. If he does win the lawsuit, he repays the original settlement loan amount together with fees assessed due to the lawsuit’s inherent risk.

Like any other type of loans structured settlement loans have their cons and pros too.

The main benefit of this loan is that you get your money right away to solve some urgent issues. Moreover, you are protected against future inflation, or you may even have enough money to invest into a business or stocks with possible solid returns. You will also have to pay comparatively low interest payments. But on the other hand you’ll get your money at a discount (minus a percentage, as lender companies give out loans to make a profit). Also, if you don’t manage your money reasonably and start “enjoying” the lump sum of money you have got in your hands, you may end up being broke.

So, if you need your money right away and are OK with these disadvantages, a structured settlement loan is possibly your best option.

Structured Settlement Loan Companies

Absolute Legal Funding

(888) 696-6449 New York
(631) 339-1713 Long Island
2100 Middle Country Road
Centereach, NY 11720
BBB Rating: N/A

Accident Claims Loan Ltd.

(888) 715-8701
244 Fifth Avenue
New York, NY 10001
BBB Rating: N/A

Advance Case Loans

(312) 332-4100
368 W Huron St, Ste 3S
Chicago, IL 60654
BBB Rating: A+

Alliance Claim Funding, LLC

(212) 847-9565
(888) 374-2822
1180 Ave of the Americas, Eighth Floor
New York, NY 10036
BBB Rating: A+

American Legal Funding, LLC

(480) 515-3698
17700 N. Pacesetter Way #104
Scottsdale, AZ 85255
BBB Rating: A+

Amicus Capital Services, LLC

(661) 263-0030
25876 The Old Road Suite 340
Valencia, CA 91381
BBB Rating: N/A

Black Diamond Funding

(954) 520-9248
8201 Peters Road Suite 1000
Plantation, Florida 33324
BBB Rating: N/A

Bradley Financial Lawsuit Funding LLC

(561) 526-3331
7050 West Palmetto Park Road Suite 15-103
Boca Raton, Florida 33433
BBB Rating: N/A

Capital Financing

(404) 348-4475
1140 Hammond Dr 110
Atlanta, GA 30328
BBB Rating: N/A

Cash in Your Case, LLC

(800) 526-8098
1400 Old Country Road, Suite 414
Westbury, NY 11590
BBB Rating: N/A

Cash4Cases Inc.

(212) 684-1060
228 Park Ave South
New York, NY 10003
BBB Rating: N/A

Cochran Lawsuit Cash Advance

(888) 875-6049
545 8th Avenue
New York , NY 10018
BBB Rating: N/A

E Lawsuit Loans

(800) 972-5560
111 Grafton Ave #612
Dayton, OH
BBB Rating: N/A

Fair Rate Funding

(732) 612-3691
1913 Atlantic Ave Suite 140
Manasquan, NJ 08736
BBB Rating: A

Fairfund Financial Group, Inc.

(800) 235-0876
(251) 990-4994
19414 Liberty Road
Point Clear, AL 36532
BBB Rating: A+

Fund Capital America

(310) 424-5176
714 W. Olympic Blvd 710
Los Angeles, CA 90015
BBB Rating: N/A

Great Bay Capital Inc

(843) 324-6848
26 Flagship Lane
Hilton Head Island, SC 29926
BBB Rating: N/A

Interstate Lawsuit Funding, LLC

(954) 946-0487
5100 N Ocean Blvd # 1618
Fort Lauderdale, FL 33308
BBB Rating: N/A

JES Funding Solutions

(561) 432-9237
7064 Thunder Bay Drive
Lake Worth, FL 33467
BBB Rating: N/A

Law Cash

(718) 875-0605
26 Court Street
Suite 1104
Brooklyn, New York 11242
BBB Rating: A

Lawcapital Enterprises, LLC

(360) 694-0330
7642 NE Hazel Dell Avenue
Vancouver, WA 98665
BBB Rating: A+


(888) 566-8614
1200-C Agora Drive, Suite 241
Bel Air, Maryland 21014
BBB Rating: N/A

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