Sell My Structured Settlement – What to Know in 2025
General educational overview only. Every situation is unique—consult a licensed attorney or financial adviser before acting.
Selling a Structured-Settlement Annuity in Three Steps
Step 1 – request written quotes.
Step 2 – compare effective discount rates.
Step 3 – court review for final approval.
How Companies That Buy Structured Settlements Work
A buyer (also called a factoring company) purchases the right to receive your future payments. Fewer than twenty national firms specialise in this niche. They must hold state licences and obtain court approval before funds are released.
Role of a Structured-Settlement Broker or Funding Source
A broker shops your payment stream to multiple buyers and may secure better quotes. Brokers typically earn a fee that is disclosed in your transfer agreement.
Key Considerations
- You may not have to sell the entire payment stream; partial sales are common.
- Discount rates vary; "lower" is usually better, but weigh the lump-sum against your future needs.
- Court approval times differ by state and court schedule.
Can I sell just five years of payments?
Yes. Partial sales are common and still require court approval. You keep the unsold payments.
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Use our lump-sum quote calculator to estimate your potential payout.