Required reading to get cash from a settlement

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Did You Know?

Money in the future is worth less than money today.

To think of it in simple terms, if you loaned a person $1000 today and they said they would return the $1000 in 10 years. You lose all the value of today's money and future interest if you invested the $1000 in your savings account over the same 10 years. Also inflation and prices of almost everything increases in 10 years. There is also the risk if the person will pay it back and on time.

So you would not be able to buy as much with that $1000 that would be returned in 10 years. So $25,000 paid in 50 payments of $500 per month for next 4 years, may be worth today $18,506.44 +- or less. There is also the un measurable factor of  "Needing a large amount of money now". To get super technical if your up for it you can read an economics presentation outline from the University of Wisconsin with examples of present value and the value of money. Read More >


Do you have a structured settlement? Are you set to receive future payments for a lawsuit settlement? If so, you may be able to sell your future payments and get a large amount of cash for the payments. Get started >

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Structured Settlement State Guide

Lawsuit settlement future payments can be sold for cash. Each state now has statutes and laws dedicated to the process of selling a structured settlement. Practically each state has outlined how to get cash From Structured Settlements. See below map for some of the states laws and information to help start this process.

Do you have a structured settlement annuity that you want to sell? Are you set to receive future payments for a lawsuit settlement? Yes, I want to get cash from structured settlements. You may be able to turn a structured settlement to a lump sum & sell your future payments. Get a large amount of cash for the payments. Get started >



Click map to find more structured information in your state.

Washington State Oregon California Idaho Nevada Utah Arizona Montana Wyoming Colorado New Mexico Alaska Hawaii North Dakota South Dakota Nebraska Kansas Oklahoma Texas Minnesota Iowa Missouri Arkansas Louisiana Wisconsin Illinois Michigan Indiana Kentucky Tennessee Mississippi Alabama Florida Georgia South Carolina North Carolina Virginia West Virginia Ohio Maryland Pennsylvania Delaware New Jersey Connecticut Rhode Island New York Massachusetts Vermont New Hampshire Maine Washington, DC


Money Value Guide

What is the real current value of your lawsuit settlement? So you received a big lawsuit settlement. You are getting payments from that settlement. What is this settlement really worth? Do you want to sell your structured settlement future payments? Yes, I want to get cash from structured settlements. To consider getting cash now for your future payments the following are issues. A dollar received today is worth more than a dollar received in the future. Many factors in the future are at play such as, inflation and interest rates, interest lost, market opportunities, risk and more. The sooner your money can earn interest, the faster the interest can earn more interest. Money is worth more today than tomorrow. That said, money payments due in the future are worth less today as a lump sum. The farther out money is, the less value it is now. One example is $1100 due in two years at 10% is worth only or is the same as $900 today.

Do you have a structured settlement you want to sell? Yes, I want to get cash from structured settlements. Are you set to receive future payments for a lawsuit settlement? If so, you may be able to turn a structured settlement to a lump sum & sell your future payments. Get a large amount of cash for the payments. Get started >

Peachtree - Peachtree can help you get cash now if you own an annuity or structured settlement, visit Peachtree website for a free Peachtree quote.


Video and Audio

Present Value of money is a key issue with structured settlement payments See the videos below to better understand the value of your structured settlement.

Introduction to Present Value
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Present Value 2 - More choices as to when you get your money
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Above videos are for educational purposes only. Learn more about structured settlement issues and topics. See more videos & audio here >

Now more than ever health insurance is an important thing to have - Get health insurance quotes here >

Do you have a structured settlement? Are you set to receive future payments for a lawsuit settlement? If so, you may be able to get cash from your structured settlement. Get started >

Frequently Asked Questions with Structured Settlements

Q. If I decide to get a lump sum of cash from my structured settlement then how long does it take to get money?

A.
It depends on the state laws, the court’s caseload, the judge, and other factors but time ranges from 30 – 90 days on average...


Q. Do I have to get permission from the insurance company or the issuer of the structured settlement annuity?

A. No, It is up to you, the purchaser and judge to decide on the sale of payments for cash. The judge will decide if your case is within the guidelines...

Do you have a structured settlement? Are you set to receive future payments for a lawsuit settlement? If so, you may be able to turn a structured settlement to a lump sum & sell your future payments. Get a large amount of cash for the payments. Get started >


Q. Why would I or anyone want to sell my periodic annuity settlement payments?

A. It may be that you or a person receiving the periodic settlement payments may need cash now to pay medical bills, education expenses, or to start/fund an existing business...

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Break it Down - Phrases

Learn more phrases that are involved with annuities and structured settlements

Certificate Annuity: A certificate annuity is an annuity where the interest rate guarantee time equals the surrender charge period.


Annuity: A stream of periodic payments made over time normally over monthly, quarterly, semi-annually, or annually, and are usually made by life insurance companies. Annuity payments can be received for a specific time period, or for an entire lifetime.


Structured Settlement Factoring Transaction: This is a transfer of structured settlement payment rights including portions of structured settlement payments made for consideration by the way of a pledge, assignment, sale, or other form of encumbrance of alienation for consideration.


Lump Sum Payment: The amount of a lump sum is always much lower than if all of the payments were made over time. Inflation and present value of money is often a reason to take a lump sum from a settlement or early payments being purchased from an annuity...

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