Sell Your Structured Settlement Payments for a Lump Sum
We buy structured settlement and annuity payments nationwide. You can sell all your future payments or only the amount needed for a current expense.
Your quote is free, written and carries no obligation. There are no upfront or broker fees. To prepare it, we need your payment amounts, dates and the number of payments you may want to sell. Your quote shows what you would receive at closing, subject to the final agreement and court approval.
We usually provide a written quote within {{WRITTEN_QUOTE_TURNAROUND}}. To speak with a real person, call (877) 790-4959 during {{PHONE_HOURS}}.
Can I cash out my structured settlement?
Yes. If your case has settled and an insurance company is paying you through an annuity, you can generally sell all or part of those payments. “Cash out” is another way people describe the same sale.
This is not funding for a lawsuit that is still open. A judge must approve the transfer before it becomes final. We prepare and file the required papers.
Many people choose a partial sale. It provides the amount needed now while leaving other payments in place.
What Are You Selling?
A structured settlement is a series of future payments from a settled lawsuit. An insurance company usually buys an annuity to make the payments on set dates. The schedule may include monthly income, larger future lump sums or both.
The legal term for selling payment rights is a transfer. You may see yourself called the payee in court papers. We are the transferee, meaning the company buying the selected payments.
Guaranteed and life-contingent payments
Guaranteed payments continue on the set schedule even if the original recipient dies. Life-contingent payments stop when that person dies.
This difference affects the value. Guaranteed payments are more certain, while life-contingent payments carry added risk. {{LIFE_CONTINGENT_PURCHASE_POLICY}}
This is a sale, not a loan
You are selling the right to receive certain future payments. You do not make monthly repayments. There is no loan balance or interest bill.
Companies sometimes use the phrase “structured settlement loan,” but the transaction is usually a sale of payment rights. The main cost is the difference between the future value of the sold payments and the lump sum paid today.
We are the direct buyer
A structured settlement buyer may also be called a factoring company. A broker or marketing company collects your details and sends them to another company.
Genex Capital Corporation is a direct buyer. We review the payment stream, fund the purchase and manage the court process. Your information is not being collected so we can sell your lead to another buyer.
How Much Will You Receive?
The lump sum will be less than the total face value of the future payments. That is because money paid years from now is worth less today, and we must wait to receive it.
Sample valuation
This approved example is for explanation only. It is not a promise of what your payments are worth.
| Valuation | Amount |
|---|---|
| Future payments sold | {{EXAMPLE_FACE_VALUE}} |
| Lump sum paid now | {{EXAMPLE_LUMP_SUM}} |
| Difference | {{EXAMPLE_DIFFERENCE}} |
Example assumptions: {{APPROVED_VALUATION_ASSUMPTIONS}}
The amount changes based on how far away the payments are, how many you sell and whether they are guaranteed or life-contingent. Payments due soon are generally worth more today than payments due many years from now.
Understanding the discount rate
The discount rate is the effective cost of turning future payments into money today. A lower discount rate produces a larger lump sum when all other terms are the same.
Our approved discount-rate range is {{APPROVED_DISCOUNT_RATE_RANGE}}. Your actual rate depends on the size and timing of the payments, current market conditions and whether the payments are guaranteed.
The rate appears in the written disclosure you receive before signing.
What does it cost to sell?
We do not charge application, upfront or broker fees. We also cover the legal and filing costs required for the transfer rather than deducting those costs from your proceeds.
The discount is the main economic cost. Your disclosure will show the selected payments, their face value, the purchase price and the discount rate. Any deduction must be shown before you sign.
Compare the same payments
A larger headline number does not always mean a better offer. Compare these three items:
- The face value of the exact payments being sold
- The discount rate
- The net lump sum you receive
Ask each buyer to quote the same payment stream. Otherwise, you may be comparing an offer for five years of payments with one that takes ten years. A company that will not give you a written quote is a warning sign.
If you provide a qualifying written competitor offer for the same payments, we will beat it or pay you $1,000. Eligibility rules and exclusions apply. {{BEST_PRICE_GUARANTEE_TERMS_OR_LINK}}
Estimate Your Payment Value
Our calculator can provide a starting estimate. It cannot account for every contract term, including life-contingent rules and future lump sums. Rely on your written quote for the actual offer.
Sell Only What You Need
Selling a structured settlement does not have to mean selling everything. We can build a partial sale around a set need while leaving other payments on their original schedule.
| Partial-sale option | What you receive now | What you keep |
|---|---|---|
| Block of years | A lump sum for the next several years of payments | Full payments resume after the sold period |
| Part of each payment | A lump sum for part of each future check | The remaining part of every check |
| Future lump sum | Money now for one scheduled large payment | Your monthly income and other lump sums |
| Part of a lump sum | Only the amount needed from a future lump sum | The unused balance of that future payment |
| Blended sale | A lump sum from a mix of payment types | Any payments not included in the sale |
Blocks of payments and partial monthly payments are common because they can meet a current need without removing all future income.
A partial sale follows the same court process and usually the same four-to-seven-week timeline as a full sale. Payments you keep continue from the same insurer on their existing schedule. Leaving income in place may also help show the judge that essential costs will remain covered.
Can you sell again later?
Yes, you may be able to sell more payments after an earlier transfer. The new sale is a separate transaction and needs its own court approval.
The judge may ask how you used the earlier lump sum and why another sale is needed. A clear purpose, supporting documents and a sale limited to the current need make the request easier to understand. Prior approval does not guarantee approval again.
From Written Quote to Lump Sum
Every legitimate structured settlement sale follows a legal process. We handle the paperwork and help you prepare for each step.
1. Review your payments
We review your payment schedule and prepare a written quote. You can ask questions, compare the offer or walk away.
2. Choose what to sell
You decide which payments to sell and how much money you need. We can quote both full and partial-sale options.
3. Review the agreement
The purchase agreement and required disclosure show the exact payments, purchase price, discount rate and any advance. They also explain cancellation or cooling-off rights that apply to your state and agreement.
4. File the court petition
We prepare the transfer petition and file it with the court. The insurer and other required parties receive legal notice. Our normal filing time after receiving complete documents is {{FILING_TURNAROUND}}.
5. Wait for the hearing
State notice periods must run before a hearing can take place. The court then sets a date based on its schedule.
6. Attend the hearing
You attend remotely where allowed or in person where required. We help you understand what the judge may ask and attend the hearing with you.
7. Receive your funds
After approval and completion of the final insurer steps, the sold payments are redirected to us. We then deliver your lump sum.
Why does a judge need to approve the sale?
State structured settlement protection laws require court approval. The purpose is to protect you and anyone who depends on your income.
The judge will usually want to know:
- How you plan to use the money
- Whether essential living and medical costs remain covered
- Whether you understand the discount and final amount
- Whether independent advice was offered or required
- Whether anyone pressured you to sign
Selling income needed for rent, food or care can make approval harder. So can a plan that is vague. A clear use and a sale sized to that need, often a partial sale, can support the best-interest case.
We prepare the petition and help you get ready for the hearing, but only the judge can approve the transfer.
How long does it take?
Most transactions take about four to seven weeks. State notice rules, court availability and missing paperwork can change that timeline.
We check documents before filing and work with you to correct missing or unclear information. No buyer can legally skip court approval.
Can you get an advance?
Qualifying customers may receive an advance of up to $1,000, often within 24 hours after the transaction is underway. Approval depends on underwriting and transaction requirements.
The agreement or disclosure will show the advance and how it affects the amount paid at closing. An advance does not replace court approval. {{ADVANCE_COURT_DENIAL_AND_CANCELLATION_TERMS}}
Do you need your own lawyer?
Our lawyers represent Genex Capital, not you. Some states require independent professional advice, and you always have the right to seek it.
When independent advice is required, {{INDEPENDENT_ADVICE_PAYMENT_POLICY}}. You may begin with the lawyer who handled your original case, legal aid or a qualified financial adviser. Their role is added protection; we will still explain our offer and process clearly.
Need help with the process? Call (877) 790-4959 during {{PHONE_HOURS}}.
Is Selling Your Structured Settlement Worth It?
Start with three questions:
- Do you have a specific use that justifies receiving less than the payments’ full future value?
- Can you still cover essential living and medical costs after the sale?
- Are you selling only what the current need requires?
When all three answers are yes, selling may make sense. When one answer is no, it may be better to wait or sell a smaller part. The judge will look at much the same logic.
Reasons people choose to sell
A defined purpose is easier for you and the court to judge. Common uses include:
- Paying high-interest debt
- Buying a home or making a down payment
- Replacing essential transportation
- Covering medical costs
- Paying tuition or job-training costs
- Starting or supporting a business
- Converting very small payments that do little for the monthly budget
- Cashing out a short remaining payment period
Benefits and costs
| Possible benefits | Costs and risks |
|---|---|
| Money available for a current need | Less money than the future face value |
| Ability to pay costly debt | Sold payments are permanently given up |
| Control over money locked into a schedule | Court approval takes time |
| Option to sell only part | A lump sum can be spent too quickly without a plan |
When keeping the payments may be better
Do not sell payments that you need for rent, food, medicine or other basic costs unless you have a sound way to replace that income.
Keeping the payments may also be wiser when you cannot name a clear use for the lump sum. It can help to wait before making a major choice during the immediate shock of a death, divorce, job loss or other crisis.
Walk away from any buyer who pressures you to sign at once. You have time to review and compare written offers.
Other options may include waiting, using a lower-cost personal loan if you qualify, or selling a smaller portion. We can quote a partial sale, and we will not push you to sell every payment when a smaller transfer better fits the need.
Compare Full and Partial QuotesHow to Check a Structured Settlement Buyer
Compare more than the advertised lump sum. Look at the net amount for the same payments, the discount rate, every deduction and whether the company is the actual buyer.
Genex Capital Corporation:
- Is a direct buyer, not a broker or lender
- Has purchased payments since 2003
- Works with customers nationwide
- Reports serving more than 50,000 clients
- Reports $1.2 billion in transactions
- Reports a 95% court-approval success rate
- Holds an A+ rating with the Better Business Bureau
- Provides written quotes with no obligation
- Covers transfer-related legal costs rather than deducting them from your proceeds
You are free to take our written offer and compare it.
Verify any company before signing
Check the company’s:
- State attorney general and consumer protection records
- BBB history, including repeated complaint patterns
- Physical business address
- Years in operation
- Required state registrations
- Reviews on independent websites
Legal name: Genex Capital Corporation
Business address: {{PHYSICAL_BUSINESS_ADDRESS}}
Registration details: {{STATE_REGISTRATION_DETAILS_OR_LINK}}
Email: info@genexcapital.com
Phone: (877) 790-4959
No written quote, pressure to sign immediately or claims that the sale is a loan are warning signs.
What Customers Say
Review platform: {{APPROVED_REVIEW_PLATFORM}}
Rating: {{APPROVED_RATING}} from {{APPROVED_REVIEW_COUNT}} reviews
“{{APPROVED_CUSTOMER_REVIEW_ABOUT_PURPOSE_AND_PROCESS}}”
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Structured Settlement Sale Questions
Does a judge have to approve the sale?
Yes. Every transfer requires a judge’s approval. Approval can be refused if the sale is not in your or your dependents’ best interest. Essential income, an unclear use for the money or signs of pressure can raise concerns.
Will selling my settlement be taxable?
Usually, selling does not change the federal income-tax treatment of payments from a qualifying physical injury or physical sickness settlement that was tax-free.
Different rules may apply to payments for lost wages, nonphysical emotional distress, punitive damages or other taxable claims.
Taxes and benefit eligibility are separate issues. A lump sum may affect means-tested benefits such as SSI or Medicaid even when the sale proceeds are not taxable. Check the rules for your specific benefits before the court hearing.
Can a parent sell a minor’s structured settlement?
A parent or guardian may be able to ask the court for permission, but the judge applies a stricter test. The proposed use must serve the child’s immediate needs and long-term welfare.
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Once the recipient is a legal adult, the ordinary transfer process generally applies.
What is in the purchase agreement, and can I cancel?
The agreement identifies:
- The exact payments being sold
- The lump sum you will receive
- The discount and required disclosures
- Any advance
- Your applicable cancellation rights
Cancellation periods depend on state law and the agreement. {{CANCELLATION_WINDOW_AND_METHOD}} If you received an advance, {{ADVANCE_TREATMENT_AFTER_CANCELLATION}}.
Get Your Free Written Quote
See what your actual payment schedule may be worth. Your quote is free, written and carries no obligation or upfront fee.
Or call (877) 790-4959 during {{PHONE_HOURS}}.