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Sell Your Structured Settlement Payments for a Lump Sum

Yes, you can sell some or all of your remaining structured settlement payments for cash now. It is a legal transfer that must be reviewed and approved by a judge.

“Selling,” “cashing out” and getting your settlement as an early lump sum all mean the same basic thing. You choose which payments to transfer. Any payments you do not sell remain yours and continue on their normal schedule.

Genex Capital is a direct buyer, not a broker. We have purchased structured settlement and annuity payments nationwide since 2003.

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To work out your offer, we need a few facts about your payment schedule. These include the payment amounts, dates, number of payments and the insurance company making them.

Your quote is free. There is no credit check, fee or duty to continue. We can also show you more than one way to sell, so you can compare selling a few payments with selling a larger block.

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• Name
• Phone
• Email
• State
• Payment amount
• Payment dates
• Insurance company
• Amount needed

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A structured settlement usually pays money on set dates after an injury, wrongful death or medical malpractice case. An insurance company often funds those payments through an annuity. The insurer will not normally pay them early, so a structured settlement buyer provides that option.

Since 2003 · 50,000+ clients · $1.2 billion transacted · A+ BBB rating

How Much Will I Get for My Structured Settlement?

Your lump sum is not based on one fixed percentage. It is based on the exact payments you choose to sell.

Three things matter most:

• The total future value of those payments
• How soon each payment is due
• The discount rate used to value them today

Sellers may receive about {{APPROVED_PAYOUT_SHARE_RANGE}} of the future face value of the payments sold. That is a broad industry range, not a promise. We need your payment schedule to give you a real number.

Timing matters. A payment due next year is usually worth more today than the same payment due 15 years from now.

How the Discount Rate Works

Think of the discount rate as interest working backward. Instead of showing how today’s money may grow, it works out what future money is worth today.

Typical effective rates are around {{APPROVED_DISCOUNT_RATE_RANGE}}. Our position within that range is {{GENEX_DISCOUNT_RATE_POSITION}}.

Several details can change the rate:

• The size of the transaction
• How far away the payments are
• Whether the payments are guaranteed
• Whether they end if you die
• Current interest rates
• Fixed legal and processing costs

A buyer earns money through the difference created by the discount rate. That is why you should ask to see the effective discount rate after every cost, not just a headline offer.

The simple rule is this: a lower effective rate will usually give you a higher lump sum for the same payments.

See How Payment Choice Changes the Offer

The table below is a sample only. It does not promise what your settlement will be worth. Its purpose is to show why selling only the payments you need can leave more future income in place.

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The table should show:

• Payments being sold
• Future face value
• Effective discount rate
• Lump sum before fees
• Each fee
• Net amount paid to the seller
• Payments the seller keeps

Both options should meet the same immediate cash need. The second should use fewer or nearer payments, showing how the seller can keep more of the settlement.

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What Do I Lose by Selling?

The difference between the future face value and your lump sum is real. You will see it in the written disclosure.

Most of that difference is the cost of getting money years before it would otherwise arrive. It is not a hidden fee.

Compare the effective discount rate with what the money can do for you now. Paying off debt with a higher rate may save more than the transfer costs. Fixing a problem before it grows may also have real value.

The best way to limit the trade-off is often to sell only enough payments to meet your goal.

Fees and Transaction Costs

A transfer can involve court filing, legal, processing and payment-servicing costs. Genex Capital covers the required transfer-related legal costs rather than deducting them from your proceeds. We do not charge broker fees because we buy payments directly.

If another cost applies, including a cost to split or service payments, it will appear in your written disclosure. Compare the net amount reaching your bank account, not a large number shown before costs.

How to Get Your Best Offer

Ask each buyer for an itemized written quote. Then check:

• The net amount after every cost
• The effective discount rate
• Whether the offer can change
• What could cause a change
• Which payments you will keep
• When funding is expected

Read the agreement and ask about anything that is not clear. Do not accept pressure to sign at once.

Our written offer explains the payments, price, rate and conditions. {{APPROVED_OFFER_LOCK_POLICY}}

We also offer a $1,000 best-price guarantee. If you have a qualifying written offer from another buyer, we will beat it or pay you $1,000. Eligibility rules and exclusions apply.

You Do Not Have to Sell Everything

A partial sale is a normal way to get cash while keeping part of your future income.

You may be able to sell:

• A set number of upcoming payments
• A block of payments in the middle or at the end
• A percentage of each payment
• A separate future lump-sum payment

Anything you keep continues on its current schedule.

Nearer payments usually provide more cash today for each future dollar sold. But those may also be the payments you expect to use soon. We can prepare more than one option so you can see the choice before deciding.

If the insurance company cannot divide a payment, a servicing company may receive it and send you the share you kept. Any servicing arrangement and cost will be shown in writing.

Our minimum purchase is {{MINIMUM_TRANSACTION_SIZE}}.

When Selling May Make Sense

People sell structured settlement payments for many practical reasons:

• High-interest debt
• Medical or dental care
• Buying, repairing or keeping a home
• Education or job training
• A sound business need
• Job loss
• Costs caused by divorce

The judge will want to understand your reason. A clear financial or family need is usually easier to support than luxury spending or a highly uncertain plan.

Use One Simple Test

Compare what the money accomplishes now with what receiving it early costs.

A sale may make sense when the lump sum pays off costly debt, stops an expense from growing, secures stable housing or funds something with a clear financial benefit.

It may not make sense if the sold payments cover your basic food, housing or care costs. It may also be a poor fit for something that quickly loses value.

A partial sale can be the middle path. You get enough to handle the need while keeping payments for later.

Once the transfer receives court approval and is completed, it is permanent.

Benefits and Trade-Offs

Alternatives to Selling

Traditional loans secured directly by structured settlement payments are generally not available. In most cases, the practical choices are to wait for the payments or transfer some of them.

Other possible sources of money include:

• A personal loan
• A home equity loan or line of credit
• A credit card
• Help from family
• A hardship or commutation option from the annuity issuer, if one exists

Compare the full cost. If another option costs less and you can repay it without strain, it may be better. If repayment would create another problem, a carefully sized partial sale may be a better fit.

This is a sale, not a loan. You do not repay the lump sum, build up interest or need good credit. It is also different from pre-settlement funding, which relates to a lawsuit that has not yet been resolved.

Plan Before the Money Arrives

Decide how the lump sum will be used before you receive it. The judge will ask about its purpose, and a large payment does not provide the same automatic discipline as monthly income.

If you plan to invest, do not treat hoped-for returns as certain. Payments you keep can remain the steady base of your plan.

Who Can Sell Structured Settlement Payments?

We purchase payment rights from many personal injury, wrongful death and medical malpractice settlements. We also buy qualifying annuity payments through a separate process.

Workers’ compensation payments can face special limits. We review these cases based on the settlement and the law in your state.

You may still have options if:

• You inherited the right to payments
• You completed an earlier partial sale
• A court denied a past request
• Some payments belong to a minor

These cases may need more records or a different court filing. Payments owned by a minor receive added review, and a prior denial may need to be addressed with a smaller or better-structured request.

Life-Contingent Payments

A life-contingent payment stops when the named person dies. That creates more risk for a buyer, so the offer may be lower than for guaranteed payments.

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If your schedule includes both guaranteed and life-contingent payments, selling from the guaranteed part may produce better pricing. We will show you which payments fall into each group.

State Rules

Structured settlement transfers require court oversight, but the exact rules differ by state. Differences can include disclosure periods, hearing notice, where the case must be filed and whether you must appear in person.

We manage the filing and required notices based on the rules where you live. You can also visit our state pages for more local information.

How the Sale Process Works

Most of the work happens behind the scenes. Here is what to expect.

1. Share your payment schedule. You send us the payment dates, amounts and issuing company. A settlement agreement or benefit letter is helpful.
2. Review your options. We prepare one or more written sale structures. You choose whether any of them meets your needs.
3. Receive the disclosure. You see the payments being sold, price, rate and costs. State law gives you time to review it.
4. Sign the agreement. If you want to continue, you sign the transfer documents. Signing does not replace court approval.
5. We file the petition. We prepare the legal filing and notify the insurance company and other required parties.
6. Attend the hearing. The judge asks about the sale, your finances and how you plan to use the money.
7. Receive the order. If the judge approves the transfer, the court issues a signed order.
8. Get funded. We pay the approved lump sum under the terms shown in your agreement.

What the Disclosure Shows

Before you sign, you receive a written disclosure showing:

• Every payment being transferred and its date
• The total future face value
• The discounted present value using the required reference rate
• Your lump-sum offer
• Every fee or cost
• The effective discount rate

This gives you time to compare offers and ask questions. Signing is not the final step. The judge must still approve the sale, and state cancellation rights may apply.

What the Judge Reviews

The judge applies a “best interest” test. In plain terms, the court wants to know whether the sale is reasonable for you and your family.

The judge may consider:

• Why you need the money
• Whether anyone depends on you
• Your other income and expenses
• The payments you will keep
• Whether the price is fair
• Whether you had access to independent advice

The hearing is usually a straightforward conversation lasting about {{TYPICAL_HEARING_DURATION}}. Depending on the court, you may appear in a courtroom, by phone or by video.

Approval is not guaranteed. Genex Capital reports a 95% court-approval success rate, but every judge makes an independent decision.

If a request is denied, a smaller sale or different payment structure may answer the court’s concern. Whether a new filing is possible depends on the case.

Do I Need a Lawyer?

Sellers do not usually have to hire a lawyer, though state rules and individual cases differ.

An important point: the attorney who prepares and files our petition represents us, not you.

You have the right to seek advice from your own attorney, tax professional or financial adviser. We will provide the disclosure directly to you or your chosen adviser for review.

How Long Does It Take?

A structured settlement sale usually takes about four to seven weeks. It cannot normally be completed in a few days because court approval is required.

The timeline includes:

• The required disclosure period
• Notice before the hearing
• The court’s available dates
• Time for the signed order
• Final processing and funding

Missing settlement records or a busy court may cause delays. Sending complete records early helps keep the case moving.

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 written terms will explain how the advance affects the final lump sum.

Taxes and Public Benefits

Qualifying physical-injury and wrongful-death settlement payments generally keep their federal tax treatment when transferred through the approved court process.

If payments were taxable before the sale, they generally remain taxable. This may apply to some nonqualified annuities or other payment types. A tax professional can confirm how the rules apply to you.

A lump sum may also become a countable resource for SSI, Medicaid or another means-tested benefit. This can happen even when the monthly payments were treated differently.

Possible ways to reduce the effect include selling less, timing the lump sum with the planned expense or getting advice about a special-needs or lawful spend-down plan. Tell us about benefit concerns before signing so we can consider them when structuring your options.

We are not a law firm, lender, tax adviser or financial adviser. This page is general information, not individual legal, tax or benefits advice.

How to Choose a Structured Settlement Buyer

Ask any buyer these questions:

• What is the effective discount rate after all costs?
• What exact amount will reach my bank account?
• Is the written offer final?
• What could cause the price to change?
• Which fees will be deducted?
• Are you buying directly or acting as a broker?
• Can you legally complete the transfer in my state?
• What is the realistic funding date?

Be careful if a company pressures you to sign at once, adds fees late or will not provide a verifiable business address. A buyer should never ask you to misstate where you live to use another court. It should also be clear about whose lawyer is handling the case.

Watch for a buyer who pushes you to sell the nearest payments without showing other choices. Those payments may be valuable and may also be the income you need soon.

The best buyer offers a strong, dependable net amount with clear terms that stay stable.

Why Sellers Choose Genex Capital

We have purchased structured settlement and annuity payments since 2003. We are a direct buyer, not a broker, so you deal with the company purchasing your payments.

Our company-reported record includes:

• More than 50,000 clients served
• $1.2 billion in payments transacted
• A 95% court-approval success rate
• An A+ rating from the Better Business Bureau
• Nationwide service
• More than 20 years with zero payment defaults

We provide written offers, show the discount rate and cover required transfer-related legal costs rather than taking them from your proceeds. A member of our team stays with your transaction from the quote through funding.

Seller Experiences

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See Your Real Number

Your quote is free, shows every fee and creates no obligation. You choose which payments to sell, if any, and a judge reviews the transfer before anything changes.

Call (877) 790-4959 or request your written quote now.

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