Knowledge Center

Structured Settlement Info Hub

Your comprehensive resource for understanding, selling, and maximizing your structured settlement payout.

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What is a structured settlement?

Structured settlements are financial arrangements that provide periodic payments to individuals, typically as a result of a personal injury lawsuit or insurance claim. These payments offer long-term financial security and are often tax-free.

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Can I sell my structured settlement?

Yes, you can sell your structured settlement payments for a lump sum of cash. The process involves court approval and varies by state. Selling your settlement can provide immediate funds for major expenses or financial goals.

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State Laws & Requirements

Learn about structured settlement laws in your state.

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Court Approval Process

Understand the legal requirements for selling.

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Glossary of Terms

Definitions of key structured settlement terms.

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FAQ

Answers to common questions about settlements.

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Ready to Get Started?

Get your instant quote or chat with Mint AI to learn more about your structured settlement options.

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Transparent Structured Settlement Quotes

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.

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.

No surprise company fees

We clearly explain how pricing works and do not add undisclosed company fees on top of your court-approved transfer terms.

Explainable valuation logic

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.

Court oversight and independent advice

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.

Privacy-first: estimates without personal info

Get instant valuations online without phone calls or sharing sensitive personal details upfront. You control when and how we contact you.

You're never obligated to sell

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.

📚 Your Complete Structured Settlement Education Center

Making a decision about your structured settlement shouldn't require guesswork. We've built the most comprehensive free educational resource in the industry — no sales pitch, just clear information to help you decide what's right for your situation.

🎓 Learn the Basics

⚖️ Understand the Process

💡 Make Smart Decisions

🔍 Explore Alternatives

All articles are written in plain English and designed to help you make an informed decision — whether you choose to sell or not.

👔 For Attorneys, Financial Planners & Advisors

If you advise clients who hold structured settlements, our tools can help you provide better guidance:

Try our AI calculator → (Clients can explore options privately before involving their advisor)

✅ Why Trust Smarter Payouts?

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Founded 2017
7+ years helping settlement holders
⚖️
Court Approval Focus
Every transfer has judicial review
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Privacy-First
See quotes without sharing SSN
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Education First
Free resources, no sales pressure

Structured Settlement Info Hub

Making informed decisions about your structured settlement requires understanding all available options, legal requirements, and financial implications. Our comprehensive structured settlement guides cover everything from basic concepts to advanced topics like court approval processes, state-specific laws, and maximizing your offer value.

Structured settlement transfers require court approval in all 50 states. Discount rates typically range from 8% to 18% depending on payment terms and market conditions. Tax implications vary by state and transaction type. Transfer procedures take 45-90 days on average.

Structured settlements provide long-term financial security through periodic payments, but circumstances change. When faced with opportunities like home purchases, business investments, debt consolidation, or medical expenses, accessing your settlement's present value may be the right choice. The key is making an informed decision with complete information about your options, the transfer process, and potential alternatives.

Smarter Payouts provides transparent, educational resources to help you navigate your structured settlement options. Our guides cover state-by-state legal requirements, court approval procedures, common mistakes to avoid, and strategies for maximizing your offer value. With no obligation and no personal information required, you can explore all your options at your own pace.

Helpful resources:

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