How to Sell a Structured Settlement: The Complete Guide

structured settlement

Structured settlements can be a great way to receive regular payments over time, but what do you do if you need or want the money sooner? You may be able to sell your structured settlement for a lump sum of cash. In this guide, we will discuss the process of selling a structured settlement.

What is a Structured Settlement?

A structured settlement is a legal arrangement where one party makes regular payments to another. It can be done through annuities, insurance settlements, and legal settlements. Instead of getting one large payment upfront, the seller will get smaller periodic payments over time. Structured settlements can come from various sources, such as personal injury awards or lottery winnings.

Why Sell a Structured Settlement?

Many people choose to sell a structured settlement for a variety of reasons. Some common examples include:

  • You need cash right away
  • You need to pay for a significant, unexpected expense
  • You have changed your mind about receiving the settlement payments

All of these are valid reasons for selling a structured settlement, but it is essential to remember that it means you will never receive the remaining payments.

How Much Can I Get for a Structured Settlement?

Many factors affect how much you will receive when selling a structured settlement. Payment details, including the number of remaining payments and frequency of payments, affect the total worth of your structured settlement.

Some additional factors that may affect how much you get for your settlement include:

  • Market conditions
  • Age of your payments
  • The number of remaining payments
  • Your health
  • Your credit score

How to Sell Your Structured Settlement?

If you decide to sell your structured settlement you will need to find a settlement buyer like Settle4Cash. There are many reputable companies in the structured settlement industry; however, you should always do your research and look for company reviews before you decide to work with them.

Once you choose a settlement company, they will tell you what they can offer for your settlement. It’s an excellent first step, but some factors affect the final value, including market conditions and your health.

Finally, you will need to provide the settlement company with relevant personal information about yourself and the settlement you wish to sell. It includes the details of your settlement and what you plan to do with the money, such as how much taxes you will pay and any future financial obligations you may have.

You should be aware that there is a sales fee for selling your structured settlement. The sales fee can vary from company to company, but it is generally between 5-20% of the total amount you receive. It means that if you sell your structured settlement for $100,000, you may only walk away with around $80,000 after the sale.

Process Of Selling Structured Settlement

Send your structured settlement details: The company have an extensive network of accredited investors interested in purchasing your future cash flow.

Sign a confidentiality agreement: It will enhance your privacy.

Receive an offer: Once the company receive your confidentiality agreement, they will search for potential buyers and get a formal offer.

Negotiate terms and conditions: With your help, the company will negotiate the best deal possible for your structured settlement.

Sign the sales contract: Once you have accepted the offer, you will receive a copy of the agreement for your records.

Receive your lump sum: Once the contract is signed, it will take 6-8 weeks to receive your lump sum.

Taxes and legal fees: There will be permitted and tax fees involved. An attorney will ensure your security, and we help you file the necessary paperwork to receive your lump sum.

It’s important to remember some risks involved with selling an ongoing stream of payments, including being unable to pay future medical and insurance bills. However, there is also a risk that you could end up with less money than expected if the sale falls through.


Selling your structured settlement is an excellent way to get the money you need right away. However, it’s essential to investigate all of your options and work with a reputable company that can help you understand the pros and cons of each offer.

If you want to get the most money for your structured settlement, it is best to work with a professional. Settlement buyers are experts in the settlement buying industry and can provide you with a fair offer for your payments.