Is your money tied up in a Structured Settlement?

How To Find The Right Structured Settlement Buyer

A structured settlement is mostly a result of something unfortunate life throws your way.

Personal injury, workers’ compensation for something that happened to you while working, medical malpractice lawsuit, or even wrongful death of a loved one. The list goes on.

Sometimes, it gets worse. The medical bill you get hit with, the income you lose, other unexpected needs you absolutely must take care of ASAP… whatever it is, you might realize that the monthly stream of payments you’re getting is not quite getting you there. And you might start to wonder about selling your structured settlement.

When you decide to sell, you need to carefully pick the right structured settlement buyer. There are many companies out there which are less than honest and which you should avoid at all costs. It is important to choose a company that not only shows stability and financial health, but also provides you with 5-star customer service all the way, does not skin you alive on fees, will help you with a competent representative in court, offers multiple options that meet your needs, and gets you the money you need fast.

Our mission is to educate people to make better decisions and get the most out of their settlement while still meeting their financial needs. While you should always do your own due diligence, the reviews below are a good start for you to find the best structured settlement companies.

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TOP RATED Structured Settlement Companies

DRB Capital Structured Settlement Company DRB capitalDRB Capital is one of the most trusted structured settlement annuity buyers in the United States.

Established in 2013, DRB Capital has quickly risen to the top thanks to putting their customer needs first. They’re known for their top-notch customer service, custom tailored solutions to meet every possible need, finding pre-settlement funding if necessary, best price guarantee, fast cash, low fees with no hidden costs – and more.

DRB Capital is truly committed to their customers – from the moment you call them to get your free quote to the moment money arrives in your bank account. These are just a few reasons why we feel safe to wholeheartedly recommend DRB Capital if you’re looking to sell your settlement payments.

Rating: 5
Fairfield FundingLocated in Atlanta, GA, Fairfield Funding is a very experienced and trusted annuity buyer, and a long-standing member of NASP. Over time, they’ve helped thousands of clients unlock the value of their future annuity payments.
Rating: 4
CBC Settlement FundingFounded in 2009 and located in Conshohocked, PA, this company specializes in helping people manage financial crises and embrace financial freedom. They offer solutions to people whose life has changed due to unforeseen circumstances.
Rating: 4
Oasis Legal FinanceAfter opening doors in 2002, the Rosemont, IL based Oasis Financial has developed a one of a kind, high-touch processing system providing their customers with the fastest service times, according to their website.
Rating: 4
Novation Settlement SolutionsLocated in West Palm Beach, FL, Novation Settlement Solutions has been providing customers with quick decisions since 2000, the company boasts high success rates, as well as spotless customer care.
Rating: 4
Client First Settlement FundingAs opposed to many insurance giants who only have their shareholders’ interests at heart, they are solely focused on their customers’ needs. Hailing from Boca Raton, FL, they’re able to leverage their systems, resources, and insight to help customers in many diverse situations.
Rating: 3.5
SenecaOneEstablished in 2002, and located in Bethesda, MD, SenecaOne explores options and opportunities designed to help their customers realize their long-term financial goals. A member of NASP, Seneca One helps keep marketplace fair, competitive, and transparent.
Rating: 3.5
Liberty Settlement FundingLocated in Fort Lauderdale, FL, and comprised of industry veterans, Liberty Settlement Funding helps put together settlement selling plans and help their customers get out of tight financial situations.
Rating: 3
Singer Asset Finance CompanyA small, privately owned company with a team of highly trained legal and financial experts, since it’s establishing in 1995, the Boca Raton, FL based Singer Asset Finance has been a force to be reckoned with in the industry, providing personalized support and all-inclusive quotes.
Rating: 3
AnFed BankAnFed Bank, a division of the publicly traded, FDIC insured Bofl Federal Bank has been purchasing structured settlement annuities and lottery winnings since 2008 and offer first class customer service, guaranteed response to calls, and highly competitive pricing.
Rating: 3

Should I Sell My Structured Settlement?

Sometimes, it just makes sense to get a lump sum of money right away – instead of relying on your structured settlement annuity payments.

Perhaps, you want to start a business and experience the freedom that only owning your own business can provide. Maybe you want to invest in your education. Or, you’ve been hit with unexpected expenses or bills, have debt you want to get rid of, or lost your source of income – and in some cases, are about to face foreclosure.

All of above might be valid reasons for selling your structured settlement annuity – and here’s why it’s really important to have a good reason to sell.

Your settlement is intended for you to be able to take care of yourself and your family. That’s the reason why it’s split up in payments – so that you’re provided with a consistent, predictable stream of income, and it’s why there has to be a court hearing and a judge has to rule whether or not you can sell your annuity payments.

Plus, structured settlements are not subject to tax – the entire sum is yours to do whatever you need to with.

Is Now The Best Time To Sell Your Structured Settlement?

The Process of Selling Structured Settlement Payments

Most of the time, the process of selling your future structured settlement payments involves these steps:

  • Get free quotes from the companies we recommend
  • Evaluate them and accept the best offer
  • Have a court hearing and get a judge to approve the sale
  • Your insurance company then gets notified
  • You receive your money!

What’s A Discount Rate?

“Discount rate” is the industry term for the fee companies charge to purchase your annuity and provide you with a lump sum of money upfront in exchange for your future payments.

What that means, that while you could, in theory get $50,000 for your $50,000 settlement if you waited 50 months (or 50 years, depending on your deal), if you want a lump sum right away, you’ll get less – a discount rate.

This is because over time the cost of living increases and the worth of a dollar today is worth more than it is in the future. For example, back in the early 80s, the average cost of daycare for a child was $162 per month. Today, according to the NACCRA, the amount is $972 a month.

The exact discount rate and the size of your payout will depend on the buyer and various other factors – such as how far out are the rest of your payments. The further out they are, the higher the rate (meaning, you get less for your periodic payments further in the future).

What to Look for In A Structured Settlement Buyer

When choosing a structured settlement annuity buyer, you need to look for a company in a stable financial situation with no history of bankruptcy or complaints with SEC or other authorities. Pay close attention to the reputation of the buyer, too.

Most importantly… make sure they have YOUR best interests at heart. They shouldn’t push you to sell all your payments, but offer a customized plan fit for your specific needs.

A good buyer will also have transparent fees and have no unnecessary delays in getting you your cash.

Plus, make sure the company answers promptly, and you’re assigned a dedicated customer service rep who is aware of your specific situation and you’re able to speak to that person every time you call – so you don’t have to explain things over and over again every time you call.

Finally, make sure you’ll be assisted with a court date, that they will help you every step of the way, and that you’ll be getting a smooth experience.

Ready To Get Your Cash? Call Our Top Pick DRB Capital

What Are Structured Settlement Loans

Trials and settlements can take months and years to resolve. However, you might need the money right away – to take care of medical bills, cover your living expenses, pay off debt, and so on.

This is where pre-settlement funding (sometimes called a structured settlement loan or cash advance) can come in handy.

It’s a way for you to get funds right when you need them – normally, up to 20% of your expected settlement amount, and sometimes, in as little in 24 hours.

Many structured settlement annuity firms offer this service – and some, like DRB Capital through their affiliate USClaims, can even offer an additional guarantee, such as if you don’t receive a settlement, you’re not under obligation to repay the advance.

What is The Structured Settlement Protection Act and What it Means for You?

The Structured Settlement Protection Act of 2002 was put in place to protect the financial well-being of people who wish to sell all or a part of their settlement.

Any transaction involving a structured settlement requires a court approval to make sure it’s in the best interest of the seller and taking into account the welfare and support of any dependents.

Generally, “best interest” is flexible so judges will make a subjective determination on a case-by-case basis – which is why it is important to get help by a competent attorney (which most of the companies on this page will provide).

In addition, the insurance companies that are responsible for paying the settlements have to be notified about any sale or part-sale involving a structured settlement at least twenty days before a court hearing takes place.

How We Rate Companies

We take many factors into consideration in how we rate the companies. These factors include but are not limited to the following:

  • Number of years in business
  • Location
  • Number of employees
  • Phone number clearly posted
  • Phone call answered promptly without any/excessive transfers
  • Spanish attendants available
  • Physical address posted and verified
  • Website up-to-date
  • Professional website design, navigation, etc.
  • The speed/functionality of the website
  • BBB Rating
  • Ripoff Report complaints
  • Knowledge level of staff
  • Current privacy policy posted
  • Terms of use posted
  • Results of searches of company name and CEO
  • Customer reviews
  • Reviews by former employees

While we may, or may not receive payment from the companies listed on this page, the amount in no way affects our rating and grading scale. Companies may be highly rated which we do not receive compensation.


Our Score:

Rating: 5

Our reviews and detailed information about how the process of selling structured settlements is handled from start to finish can help you make a better choice because you are better informed about structured settlement companies, which will allow you to sell your payments for the cash you deserve and avoid getting ripped off.