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Structured Settlement Buyers

Structured Settlement Companies

Written by Jovan Johnson

This article is intended to help provide background regarding structured settlements and the companies that purchase them.

What is a Structured Settlement Company?

A structured settlement company is either a structured settlement buyer or a broker/consultant.

What is a structured settlement buyer?

A structured settlement buyer is a “factoring company” that purchases structured settlement payment rights in exchange for lump sums of cash. Buyers, including Annuity Freedom, quickly provide cash following contract acceptance by the rights holder and court approval.

Which companies are buyers?

There are fifteen companies or so in the United States that purchase accident settlements and workers’ compensation payment rights. We’ve listed many of them a little further down this page.

What is a structured settlement broker/consultant?

A company that provides consulting or broker services helps set up payment streams to settle a claim or meet contractual requirements.

Selling your annuity?

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The Best Structured Settlement Companies

  1. (877) 547-3672
  2. JG Wentworth
  3. DRB Capital
  4. Novation Settlements Solution
  5. Stone Street

As you can see, we are a bit biased and believe that we are the factoring company that best serves the needs of customers. However, the other listed companies have been in business for years and are worth contacting so that you can secure competitive offers for your structured settlement.

How to Compare Structured Settlement Companies

We do not rank other companies that buy settlements or include their reviews because the company that is best for you may not be the best for other annuity holders. Here are some of the things to consider when contacting a factoring company:

  • Process. When you reach out for a quote, the company will walk you through the entire process of selling your annuity or structured settlement. On the whole, the selling process is likely to be very similar from company to company.
  • Financial Strength. Determining the financial strength of annuity purchasers can be very difficult to determine if the purchasing company is a private entity. So, you may not have ready access to information when researching these businesses.
  • Subsidiary. In addition, many factoring companies are subsidiaries of larger parent companies, which can come with both positives and negatives.
  • Customer Reviews. When researching reviews, you may come across specific complaints. However, it’s important to remember that people will of course have different experiences when dealing with companies, so it’s important to see if there are any trends in this area when researching a company.
  • Advances.  When you are in the process of selling your structured settlement, the purchasing company will sometimes provide you with an advance, which is some up-front money which is recouped from your lump sum. This can be very helpful if you need some money in the meantime while your deal is in process. Also, be aware that providing advances to consumers does not mean the company is an industry leader.
  • Better Business Bureau. In terms of quality, a company having a good Better Business Bureau score does not necessarily mean it is a reliable company. Rather, this rating is a signal for whether and how long it takes a settlement company to respond to consumer complaints, without taking into account whether consumers are happy. 

Structured settlement annuity payments

Structured settlements are rather straightforward but we would like to provide a brief rundown for those who are unfamiliar. When a person wins or settles a civil lawsuit, they will usually be entitled to receive monetary compensation. This compensation can be paid as one lump sum or over time in the form of an annuity — that is, the payor will pay the funds into an annuity which is paid to the payee over time.

These regular, periodic payments are what we refer to as a “structured settlement.”  Structured settlement payments are usually income tax-free and intended to give long-term financial security to the payee. For example, imagine someone is severely injured in a car accident and will require medical care for the rest of his/her life. In those instances, regular payments will ensure that they continue to receive funds on a regular basis which they can apply toward those medical care costs. Other typical situations where structured settlements can be utilized is for medical malpractice cases and wrongful death lawsuits.

Why are settlements paid over time?

Larger settlements tend to be paid out over time as it may not be economically feasible or preferable for the paying party to pay the entire amount at once. Structured settlements also tend to be preferable when the payee is not experienced at managing large sums of money. By breaking up the settlement into monthly payments, it is less likely that they will spend large sums of money irresponsibly.

Once the payee chooses to receive their payout via a structured settlement, they can choose for them to begin immediately or defer them until a later date. For example, the payee may want to allow the funds to grow as an annuity and begin withdrawal at retirement. Also, the payments can occur periodically for the life of the payee, or they can be paid out for a set number of years.

Why Work With a Structured Settlement Buyer?

There may come a time in the payee’s life that a lump sum of cash is needed immediately. Perhaps there are unforeseen medical expenses, or their child’s college tuition is due, or funds are needed for down payment on a new home. Whatever the case may be, it’s not uncommon for payees to need money in excess of their scheduled payments. In those situations, the payee may desire to approach a company that specializes in purchasing structured settlements in return for a lump sum.

Do you have to sell your entire structured settlement?

It should be made clear, however, that it’s not necessary for the payee to sell the entire structured settlement. Instead, they could only sell part of the settlement rights and retain the rest as reduced monthly payments. Or, the the payee could receive a lump sum payout and pause their monthly payments for a certain period of time and and then have them resume at a later date. The structure of the purchase will depend on the needs of the seller.  

Settlement advances

Settlement since it will usually take several weeks to complete the purchase of a structured settlement, many of these companies will offer an “advance” to the seller. An advance is essentially an amount of money that is paid up front to the seller while the sale of the structured settlement is being processed. Once the sale is complete, the buying company will recoup the advance from the structured settlement. For example, if the buyer makes an offer of $100,000 to purchase a structured settlement, they may advance $5,000 to the seller until the sale is complete. Then, once the sale closes, the company will recoup the $5,000 advance and pay the remaining $95,000 to the seller. The actual amount of the advance will vary depending on different factors, so the seller should contact various factoring companies for customized quotes.

How Much Do Structured Settlement Buyers Charge?

It should also be noted how factoring companies turn a profit by purchasing structured settlements. Typically, they will take between 9% and 18% of the sale amount as their fee.

Disclaimer: The information found in this article is general in nature. If you are considering selling your structured settlement, it would be in your best interest to consult with a financial advisor or attorney who can help you make an informed decision when cashing out. While people who need more money may find it difficult to afford attorneys fees, perhaps you can work out a reasonable rate with a small legal office.

All that being said, we welcome you to complete the form on this page to receive a free, no-obligation quote from us.

Companies That Buy Structured Settlement

    (877) 547-3672
    Screenshot of sell page and contact form on structured settlement company's website.
    Our San Francisco-based company is a both structured settlement buyer and an annuity payment rights buyer. You can find free financial information on and get great service when contacting us and electing to engage us to sell your annuity payment rights. We welcome you to dial our phone number or complete the contact form on this page to obtain a free quote. Once we gather information about the regular payments that you have a right to receive, the period of time over which you receive these regular payments, and the amount of payments that you would like to sell, we will be a place that allows us to provide payout information.


  • JG Wentworth
    Address: 201 King of Prussia Road,
    Suite 501
    Radnor, PA 19087
    Screenshot of JG Wentworth structured settlement page.
    J.G. Wentworth is a financial services company founded in 1991 and having grown to become the leader in the structured settlement payment purchasing space. The company currently has offices in Chesterbrook, Pennsylvania, Radnor, Pennsylvania and Rockville, Maryland. J.G. Wentworth  focuses on helping consumers in financial hardship or needing access to cash now. The company has an A+ rating from the Better Business Bureau.



    Address: 189 S. Orange Ave,
    Suite 1600
    Orlando, FL 32801
    Screenshot of headings focused on selling structured settlements. is a free, comprehensive web resource that offers professional insight from experienced financial experts on a variety of financial topics, including carefully researched, timely information about annuities and structured settlements, to help their visitors make smart decisions about their money. The aims to protect and educate consumers by guiding them through the settlement process, including by proving quotes from insurance companies.

  • DRB Capital

    Telephone: (888) 981-8703
    1625 S Congress Avenue,
    Suite 200
    Delray Beach, Florida
    Information about selling structured settlements, an image of a couple, and three steps that provide an overview of the sell process. points break

    DRB Capital is a privately held company founded in 2007 and headquartered in Delray Beach, FL. They purchase structured and life-contingent structured settlements for one lump sum of cash. The company offers several different options to exchange your structured settlement or annuity payments to receive lump sum cash (selling all of your future payments, or only some of them, so that you can continue receiving payments down the line).

  • Fairfield Funding
    Telephone: 855-296-0985
    Address: 3424 Peachtree Road NE C-100
    Atlanta, GA 30326
    Video about the legal process involved when selling structured settlement payment rights.
    Fairfield Funding is a full service funding company specializing in purchasing and funding Structured Settlements and Life Settlements. The company is a direct purchaser offering a lump sum of cash to customers who receive structured settlement payments or annuities. Collectively, Fairfield Fundings management has over 60 years of experience in the financial services arena and is a member of NASP, the National Association of Settlement Purchasers. Fairfield Funding is located in Atlanta, Georgia and is a Division of APIS.


  • Novation Settlement Solutions

    Telephone: (888) 797-3740
    Address: 1641 Worthington Road,
    Suite 410
    West Palm Beach, FL 33409
    Reason for selling a structured settlement on the Novation Settlement Solutions website.
    Since 2000, Novation Settlement Solutions (formerly known as Novation Capital) has purchased over $1.5 billion in structured settlements, 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.

  • RSL Funding

    Telephone: (800) 543-6513
    Address: 1980 Post Oak Blvd, Ste 1975
    Houston, TX 77056
    Screenshot of image of a file labeled past due medical bills and a heading to sell structured settlement payments on the RSL Funding home page.
    RSL Funding is a structured settlement funding company that is not an intermediary, but a principal settlement company that uses its own money to help fulfill the financial needs of people who want to sell their future periodic payments, including lottery winnings. For added financial security, RSL Funding is also affiliated with A.M.Y. Property & Casualty Insurance Corporation, a captive insurance company, so their customers don’t have to wait on a 3rd party company to fund lump sum payments.

  • Stone Street

    Telephone: (301) 951-8900
    7316 Wisconsin Avenue,
    Fifth Floor
    Bethesda, MD 20814
    Screenshot of Stone Street page header.
    Stone Street Capital was created in 1989. The company helps people receive cash through future payment streams, such as structured settlements, personal injury settlements, lawsuit settlements, and lottery, contest, and slot jackpot prizes. The company is based in Bethesda, Maryland. Stone Street Capital has an A+ BBB Rating.

  • Peachtree Financial Solutions

    Telephone: (800) 821-7773
    1200 Morris Drive
    Chesterbrook, PA 19087
    Screenshot of Peachtree home page header.

    Peachtree Financial Solutions was founded in 1996 and has helped thousands of clients sell payment ranging from structured settlements, annuities, and lottery winnings, among others. Peachtree was purchased by The JG Wentworth Company in 2011 and currently operates as a subsidiary. Peachtree has won awards for their products, including the New York Law Journal’s Best Litigation Funding Provider. Peachtree Financial Solutions maintains an A+ rating with the Better Business Bureau.

  • Catalina Structured Funding

    Telephone: (888) 943-8637
    2626 Foothill Blvd
    La Crescenta-Montrose, CA 91214

Buyers Who Are No Longer in Business

  • Annuity Transfers
    Telephone: (972) 952-0260
    9720 Coit Rd Ste 220-213
    Plano, TX 75025
  • Client First
    Telephone: (888) 594-1195
    301 Yamato Road, Suite 3200
    Boca Raton, FL 33431
  • Seneca One
    Telephone: (800) 513-1394
    Address: 7920 Norfolk Avenue.,
    Suite #300
    Bethesda, MD 20814
    Screenshot of the how it works portion in the middle of the Seneca One home page.
    Since 2002 SenecaOne has grown to be one of the largest financial services companies of its kind in the country. The company not only buys structured settlement annuities and lottery prize winnings, but also the specialists in SenecaOne explore options and opportunities designed to help their customers realize their long-term financial goals. 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.
  • Woodbridge Structured Funding
    Telephone: (866) 865-7044
    123 NW 13TH St Ste 310
    Boca Raton, FL, 33432-1645

    Telephone: (818) 386-6300
    14225 Ventura Blvd, Ste 100
    Los Angeles, CA 91423