What does a Secondary Market Structured Settlement Company Do?

A structured settlement is a negotiated financial or insurance arrangement through which a claimant agrees to resolve a personal injury tort claim by receiving part or all of a settlement in the form of periodic payments on an agreed schedule, rather than as a lump sum. As part of the negotiations, a structured settlement may be offered by the defendant or requested by the plaintiff. Ultimately both parties must agree on the terms of settlement. A settlement may allow the parties to a lawsuit to reduce legal and other costs by avoiding trial. These settlements are often paid out from some of the most well known insurance companies such as Berkshire Hathaway, Prudential, AIG, Pacific Life Insurance, and Metlife (Metropolitan Life Insurance).

Payments can be either Guaranteed or Life Contingent and companies in the Secondary market will help transfer a portion or all of the structured settlement to a new recipient in exchange for payments that are factored out where they receive a lump sum of cash.

Pros of Receiving Structured Settlement Payments

Below are some of the Pros of structured settlements vs. Lump Sum Payments

  • Payments are tax-free.
  • In the event of the recipient’s death, the heir can continue to receive tax-free payments when payments are guaranteed vs. Life Contingent.
  • Payments can be scheduled for almost any length of time and can begin immediately or be deferred for as many years as requested. They can include future lump-sum payouts or benefit increases commonly known as Cost of Living Increases (COLA).
  • Spreading out payments over time can reduce the temptation to make large, extravagant purchases and guarantees future income. This is especially helpful if the recipient has a medical condition that will require long-term care. One of the biggest pluses of settlements is that they are structured in a way by a diligent financial planner and team to assist in future needs and expenses in the personal injury victims circumstances.
  • Unlike stocks, bonds and mutual funds, structured settlements do not fluctuate with market changes. Payments are guaranteed by the insurance company that issued the annuity. With AAA rated insurance payments these are some of the safest payments you can receive.
  • A structured settlement often yields, in total, more than a lump-sum payout would because of the interest your annuity may earn over time and most importantly are safe.

Cons of Structured Settlements

Some of the Cons of receiving Structured Settlement Payments vs. a Lump Sum are Below

  • Payments are spread out and may not give the exact type of cash flow that the recipient initially is intended to receive as their lifestyle and needs change.
  • In the event of the recipient’s death, the heir can continue to receive tax-free payments if the payments are guaranteed. If they are not then the payments would cease upon the annuitants death.
  • Receiving large lump sums periodically may not be the best fit for those without a financial background on how to best use the funds for their needs.
  • The recipient may have wanted a lump sum up front but was not totally aware of their opportunity and their lawyer may have suggested the structured settlement option instead.

Review The Best Structured Settlement Companies To Work With

These reviews come from consumers and clients of secondary market structured settlement transfer companies.

Ways To Sell Your Structured Settlement Payment Rights

The reviewed structured settlement annuity buying companies below provide liquidity at a discount for those looking for immediate cash now in the form of a lump sum.

Structured Settlement Companies & Lottery Winning Buyers

Compare and contrast the different companies that can provide cash now for not just your structured settlement payment rights but also for your lottery winnings as well as casino jackpots.

JG Wentworth Structured Settlement Buyer Reviews

Phone: 877-CASH-NOW
Address: 1200 Morris Dr Suite 320, Chesterbrook, PA 19087
Website: http://jgwentworth.com

JG Wentworth is the biggest name in the secondary market industry. This company is based out of a suburb of Philadelphia, Pennsylvania and has a sister company Peachtree Settlement Funding as well as Stone Street Capital based out of Bethesda, Maryland.

For Reviews and more information about JG Wentworth and their structured settlement purchasing programs read the consumer and client reviews below.

Rapid Capital Funding Structured Settlement Buyer Reviews

Phone: 833-90-RAPID
Address: 601 New Jersey Avenue Washington, DC
Website: http://rapcashnow.com

Rapid Capital Funding is a specialty finance company that specializes in their Rapid Card that allows consumers and clients who hold structured settlement payment rights the ability to have instant access to funds through the use of their rapid card that acts the same as a debit card does. They have 117 positive reviews online about their rapid card and structured settlement buyer program.

Fairfield Funding Structured Settlement Buyer Reviews

Based out of Atlanta, Georgia Fairfield Funding is a purchaser of structured settlement and annuities. Fairfield has a 100% guarantee for your satisfaction. You can get an advance with no interest in as little as 5 days and there are over 122 positive reviews currently online about Fairfield Funding and their settlement buying services.

Phone: (888) 943-8637

Address: 1441 Dresden Dr NE Suite 290, Atlanta, GA 30319

Website: http://fairfieldfunding.com

Peachtree Settlement Funding Reviews

Peachtree Settlement Funding is an annuity purchaser that was based out of Boynton Beach, Florida. In the late 2000’s they were acquired by JG Wentworth of Radnor, Pennsylvania. This created a near monopoly at the time of the largest structured settlement purchasers in the secondary market. They operate independently and receive independent reviews from clients.

Other Structured Funding Companies with No Current Reviews:


Email: webmaster@annuity.org
Website: https://www.annuity.org
189 S. Orange Ave,
Suite 1600
Orlando, FL 32801

Based out of Central, Florida this internet based company has partnered with CBC Settlement Funding for targeting online users who are searching for ways to learn more about selling their annuity or structured settlement payment rights.


Phone: (888) 594-1195
Website: clientfirstfunding.com
301 Yamato Rd #3200
Boca Raton, Florida 33431

One of the many companies based out of South Florida Client First was started 11 years ago by a Boca Raton, Florida native. Their specialty financial services include buyouts of lottery payments, structured settlements, and annuities. Acting as a direct funder they currently employ over 150 representatives and attorneys who handle each individual case based on the clients needs. According to the Better Business Bureau they have an A rating.


Phone: 888-981-8703
Website: drbcapital.com
1625 S Congress Ave,
Suite 200
Delray Beach, Florida

DRB Capital is a spinoff of a previous south Florida based buyer called Imperial. The company is privately held (JG Wentworth and Peachtree Settlement Funding is an OTC listed Public company) and located in Delray Beach, Florida. DRB Capital specializes in pre-settlement funding and is backed by an investment house to handle large capital investments for future settlements that are expected to be large. They also specialize in life contingency structured settlements and is listed with the BBB with an A+ rating but has no current reviews here.


Phone: 800-843-9020
Email: info@cbcsettlementfunding.com
Website: cbcsettlementfunding.com
181 Washington Street,
Suite 375
Conshohocken, PA 19428

CBC Settlement Funding, was founded 10 years ago and is an online advertiser and television commercial advertiser promoting their ability to purchase settlement payments from rights holders. In 2014 Asta Funding Incorporated purchased CBC Settlement Funding.


Phone: 888-979-3740
Website: novationsettlementsolutions.com
1641 Worthington Road,
Suite 410
West Palm Beach, FL 33409

Since 2000, Novation Settlement Solutions (formerly known as Novation Capital) has purchased over $1.5 billion in structured settlements, annuities, 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.

500 Cash Out

Phone: 855-750-0NOW
Website: 500cashout.com

Marketed as the anti-structured settlement buyer. As the alternative JG Wentworth 855 7 500 NOW campaign promotes they advise those looking to sell their structured settlement payments to take a 15 minute phone call with them and receive $500 as opposed to going through the transfer and court process required for doing a deal with any of the companies listed above.

BEST Structured Settlement Companies