Offer range, not a single number
We show you a minimum and maximum payout range based on your payment details so you understand the realistic spread before deciding.
Get instant cash for your future payments. Free quotes, transparent process, and court-approved transfers. Receive funds in 45-60 days.
Want to see your estimated value first? Use our free calculator →
Use our free calculator to get an instant estimate. No personal information required to see your potential lump sum value.
Review your personalized offer and choose the option that works best. Our specialists are available to answer any questions.
We handle all court paperwork. After approval (45-60 days), receive your lump sum within 2-5 business days.
| Factor | Lump Sum Cash Out | Keeping Payments |
|---|---|---|
| Access to Cash | Immediate lump sum (45-60 days) | Monthly/annual payments over time |
| Investment Opportunities | Buy home, start business, invest | Limited by payment schedule |
| Debt Elimination | Pay off high-interest debt immediately | Debt continues to accumulate interest |
| Total Value | 60-80% of present value | 100% of future payments |
| Flexibility | Can sell partial payments, keep rest | Fixed schedule, no flexibility |
| Best For | Emergencies, investments, major purchases | Long-term security, stable income |
structured settlements Give guaranteed income over time, but life Situation change. Many settlement holders find themselves needing larger amounts of cash now rather than waiting for small payments over many years. Selling your structured settlement allows you to access your money when you need it most, whether for emergencies, opportunities. Or Money freedom.
Use our free structured settlement calculator to get an instant estimate. No personal information required.
Calculate Your Value →We purchase future structured settlement and annuity payments for a lump sum. Our platform answers questions about the process, court approval, and state laws, and it shows upfront pricing without collecting email or phone. You can review quotes and options privately before choosing to engage.
We show you a minimum and maximum payout range based on your payment details so you understand the realistic spread before deciding.
We clearly explain how pricing works and do not add undisclosed company fees on top of your court-approved transfer terms.
Our offer ranges are based on discount rates informed by past court-approved transactions and market conditions, and we can walk you through the numbers in plain English.
Transfers go through a court approval process, and we strongly encourage, and in many states the law requires, independent professional advice from your own attorney or advisor.
Get instant valuations online without phone calls or sharing sensitive personal details upfront. You control when and how we contact you.
Seeing how much your payments might be worth does not obligate you to sell anything, and there is no penalty if you decide not to move forward.
Get a free, instant quote using our structured settlement calculator. No personal information required.
Selling your structured settlement involves three simple steps: 1) Get a free quote using our calculator (no personal information required), 2) Review offers and choose the best one, 3) Complete court approval (we handle all paperwork). The entire process takes 45-60 days on average.
The amount depends on your payment schedule, the total value of payments being sold, current interest rates, and discount rates. Most sellers receive 60-80% of the present value. Use our free calculator to get an instant estimate of your lump sum offer.
Yes, it is legal to sell structured settlement payments in all 50 states. However, you must obtain court approval to protect your interests. The judge reviews your case to ensure the transfer is fair and in your best interest.
After you accept an offer, the court approval process typically takes 45-60 days depending on your state and court schedule. Once approved, you receive your lump sum within 2-5 business days via wire transfer or check.
Yes, you can sell all or just a portion of your payments. Many sellers choose to keep some future payments for security while accessing cash now. This is called a partial sale and gives you flexibility.
If your original settlement was tax-free (injury settlement), the lump sum is also tax-free. If you received taxable payments (lottery winnings, lawsuit), the lump sum is taxable. Consult a tax professional for your specific situation.
There are no fees from Smarter Payouts. The only costs are standard court fees and attorney fees required by law (typically $500-$1,500 total). These costs are disclosed upfront and are deducted from your lump sum.
Common reasons include paying off high-interest debt, buying a home, starting a business, covering medical expenses, funding education, or dealing with financial emergencies. Our calculator helps you understand if selling makes sense for your situation.
When you receive a structured settlement. You're given a legally binding agreement.
That guarantees payments over a specified period of time. These payments were designed to Give long-term Money security.
But the actual value you can access depends on several factors including the. Payment amounts, duration, and current market conditions.
Understanding how your settlement is valued helps you make informed decisions. About whether selling makes sense for your situation.
The present value of your future payments is calculated using a discount rate. That reflects the time value of money.
Simply put, a dollar today is worth more than a dollar five years from now. Because today's dollar can be invested to grow over time.
This Basic Money principle is why lump sum offers are less than the total. Face value of your future payments.
However, for many settlement holders. The benefits of immediate access to funds far outweigh the discount.
The discount rate applied to your settlement depends on multiple factors. Including the rating of the insurance company making the payments.
The duration of your payment stream, current interest rates. And market conditions.
Payments from highly-rated insurance companies Usually receive better rates. Because they carry less risk.
Similarly, shorter payment durations Usually result in smaller discounts because. There's less time value difference involved.
Our free calculator uses these same principles to Give you with an accurate. Estimate of what you could receive for your payments.
In under 60 seconds, without providing any personal information. You can see a realistic range of what companies might offer for your settlement.
This transparency empowers you to shop around, compare offers. And make the decision that's truly best for your Money situation.
Every structured settlement transfer in the United States requires court approval. Before it can be completed.
This requirement exists to protect you, the settlement holder. From unfair transactions and predatory practices.
The court acts as an independent reviewer who ensures the transfer is in your. best interest and that you fully understand what you're agreeing to before any.
Money changes hands.
During the court approval hearing. A judge will review the terms of your proposed Deal including the payments.
You're selling, the lump sum you'll receive. And the discount rate being applied.
The judge will also want to understand why you're selling your payments. And how you plan to use the funds.
This isn't meant to be intrusive but rather to Make sure you've thought through. Your decision and that it makes Money sense for your Situation.
At Smarter Payouts, we handle all the paperwork. And legal requirements for the court approval process.
Our experienced team prepares your petition, gathers the required Papers. And can arrange for legal representation at your hearing if needed.
We've helped thousands of clients navigate this process successfully. With approval rates exceeding 95 percent for qualified applicants who have.
Legitimate needs for the funds.
The entire process from accepting an offer to receiving your funds Usually takes. 45 to 60 days, though this varies by state and court schedule.
Some states have faster processes while others Need longer waiting periods. Between filing and hearing dates.
We'll Give you with a realistic timeline based on your state's requirements. So you know exactly what to expect throughout the process.
Deciding whether to sell your structured settlement is a Important Money decision. That deserves careful consideration.
While lump sum access can solve immediate Money challenges. And create opportunities, keeping your payments provides guaranteed long-term.
Income. The right choice depends entirely on your unique Situation, goals.
And Money situation.
Consider selling if you have high-interest debt that's costing more than your. Settlement earns, if you have an Chance to invest in something with a higher.
Return like education or a business. Or if you're facing a Money emergency that threatens your Safety.
In these situations, the immediate access to funds can Give value. That exceeds what you'd receive by waiting for future payments.
Consider keeping your payments if you don't have an immediate need for the funds. If you rely on the payments for regular living expenses.
Or if you're concerned about spending a large lump sum too quickly. Some people are better served by the discipline of regular payments.
And there's nothing wrong with choosing. That path if it suits your situation better.
Remember that you can also sell only a portion of your payments. Keeping some for long-term security while accessing cash now for immediate.
Needs. This balanced approach works well for many settlement holders who want the best.
Of both worlds. Our calculator can show you options for both full.
And partial sales so you can compare the numbers. And decide what works best for you.
Educational resources and transparent information are fundamental to making informed structured settlement decisions. Quality calculators provide not just numbers but comprehensive explanations of how calculations are performed, what factors influence valuations, and what options are available. This educational approach empowers you to understand your choices fully and make decisions based on complete information rather than limited knowledge or high-pressure sales tactics.
Step-by-step guidance through the evaluation process helps you understand each stage of analyzing your structured settlement options. From initial assessment through final decision-making, clear explanations of each step ensure you understand what's happening and why. This systematic approach reduces confusion and anxiety while building confidence in your decision-making process.
Regulatory compliance and legal requirements vary significantly by state, and quality calculators incorporate these variations into their analysis and recommendations. Understanding the legal framework governing structured settlements in your state helps you prepare for the court approval process and ensures that any transfer proceeds smoothly and efficiently. Educational resources should explain these requirements clearly and help you understand what to expect.
Professional guidance complements automated calculations by providing personalized advice and answering specific questions about your situation. While calculators provide valuable initial insights, experienced professionals can address complex scenarios, explain nuances, and help you navigate challenging decisions. This combination of technology and human expertise ensures you have access to both immediate information and personalized support.
Comparison tools and scenario analysis help you evaluate different options and understand the implications of various decisions. Quality calculators allow you to compare selling all versus part of your payments, different timing options, and various purchasing companies. This comparative analysis helps you identify the approach that best serves your specific needs and circumstances.
Ongoing support and follow-up ensure that you have access to assistance throughout the entire process, from initial evaluation through final completion of any transfer. This includes help with paperwork, court procedures, and addressing any questions or concerns that arise. Comprehensive support reflects a commitment to your success and satisfaction rather than just completing a transaction.
Reviewed by Smarter Payouts Team, Settlement Specialists
Structured Settlement Industry Experience • Consumer-First Approach
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