What is the first step to selling my structured settlement?

Start by getting an instant quote using our free calculator. Enter your payment details - no personal information required - and receive an accurate estimate in seconds.

How long does it take to sell a structured settlement?

The process typically takes 30-60 days from accepting an offer to receiving funds. This includes court approval, which is required in all states.

What documents do I need?

You'll need your settlement agreement, payment schedule, and annuity contract. We help you gather all necessary documents for the court approval process.

Can I sell just part of my payments?

Yes, you can sell all or part of your structured settlement payments. Many clients choose to sell a portion while keeping some payments for future needs.

How to Sell Settlement | Smarter Payouts

How to Sell a Structured Settlement

A step-by-step guide to selling your structured settlement legally, safely, and efficiently with maximum value.

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Legal, Safe & Court-Approved Process

All structured settlement sales require court approval by law. This protects you from predatory practices and ensures the transaction serves your best interest.

Understanding the Process

Selling your structured settlement is a legal, court-supervised process designed to protect your interests. The entire transaction typically takes 30-45 days from start to finish, though timing varies by state.

✓ Key Points to Know

No upfront fees: All costs are disclosed in your quote and deducted from your payout
Court approval required: A judge reviews every transaction to ensure it's in your best interest
Professional guidance included: We help you through every step of the process
Flexible options: Sell all payments, partial payments, or specific future payments
No obligation: Get quotes and explore options without any commitment

Ready to Start? Get Your Free Quote

Begin the process with an instant quote. No personal information required, no obligation, just see what your settlement is worth.

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5-Step Process to Sell Your Settlement

Get Your Instant Quote

Start by using our free calculator to get an instant, no-obligation quote for your structured settlement payments.

Enter your payment schedule and amounts
Receive multiple offer scenarios instantly
Compare full sale vs. partial sale options
No personal information required to see initial quotes
Review transparent discount rates and fees

Get Your Instant Quote →

Review and Accept Your Offer

Once you receive your quote, our team will explain every detail to ensure you understand the transaction.

Review your total payout amount in detail
Understand all fees and discount rates
Explore payment method options (wire, ACH, check)
Ask questions and get expert guidance
No pressure - take time to make an informed decision

Complete the Paperwork

After accepting your offer, we handle the paperwork and guide you through every document.

Transfer agreement outlining all terms
Court petition for judicial approval
Financial disclosure forms (required by law)
Advance notice documents to all parties
Independent professional advice documentation

Court Approval Process

All structured settlement sales require court approval to protect your interests. We handle the entire process.

File petition with appropriate court
Independent advisor reviews your case
Attend brief court hearing (often by phone)
Judge reviews and approves transaction
Receive final court order authorizing sale

Learn About Court Approval →

Receive Your Payment

After court approval, you receive your lump sum payment through your preferred method.

Choose wire transfer (fastest, 1-2 business days)
Select direct deposit (ACH, 2-3 business days)
Request paper check (5-7 business days)
Funds available immediately upon receipt
Use your money however you choose

Important Considerations Before Selling

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Discount Rates Matter

You'll receive less than the total future value due to discount rates (typically 9-18%). Compare multiple offers to find competitive rates.

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Consider Partial Sales

You don't have to sell all payments. Partial sales let you access some cash now while keeping future income security.

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Court Will Review Your Need

Judges want to see genuine financial need and that selling is in your best interest. Be prepared to explain your reasons.

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Independent Advice Available

Many states require or recommend independent professional advice. This protects you from unfavorable transactions.

Frequently Asked Questions About Selling

To sell your structured settlement: 1) Get a quote using our calculator, 2) Review and accept the offer, 3) Complete the paperwork, 4) Attend a court hearing, 5) Receive your payment. The entire process typically takes 30-45 days.

The process typically takes 30-45 days from start to finish. This includes getting a quote, completing paperwork, court approval, and receiving your payment. Some cases can be completed faster depending on your state's requirements.

While you don't need a lawyer to start the process, it's recommended to consult with one. The court will appoint an independent advisor to review your case and ensure the sale is in your best interest.

The amount you receive depends on your payment schedule, remaining payments, and current market rates. Use our free calculator to get an instant quote for your specific settlement.

Next Steps

State Laws & Requirements

Learn about structured settlement laws and court requirements in your specific state.

View State Laws

Court Approval Process Explained

Detailed guide to understanding the court approval process and what judges look for.

Read Court Approval Guide

Ready to Get Started?

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

Step-by-Step Process for Selling Your Structured Settlement

Selling your structured settlement involves a systematic process that begins with getting quotes and ends with receiving your funds. The first step is using our free calculator to get instant estimates of what your payments are worth in today's market. This initial estimate helps you understand potential values and decide whether selling makes sense for your situation. No personal information is required for initial quotes, allowing you to explore options privately.

After receiving initial estimates, the next step is requesting formal offers from purchasing companies. These formal offers provide detailed breakdowns including total payout amounts, discount rates applied, fees, and net proceeds. Comparing multiple offers helps ensure you receive competitive rates and fair terms. Taking time to compare offers is important and helps you make informed decisions. Learn how to review offers effectively and explore our insurance company directory.

Once you accept an offer, the court approval process begins. This involves gathering required documentation, preparing court filings, providing required notices, and scheduling court hearings. The purchasing company handles most of this work, but you'll need to provide documents and participate in the court hearing. This process typically takes 30-60 days depending on court schedules and state requirements. For state-specific questions, check our Alaska guide and Hawaii guide.

After court approval, funds are processed and delivered through your chosen payment method. Direct deposit is fastest, typically 24-48 hours after approval, while other methods may take longer. Once funds are received, you can use them according to your financial plan. The entire process from initial quote to receiving funds typically takes 30-60 days, though timelines vary based on various factors. Explore county-specific guides for Riverside County, San Bernardino County, and Santa Clara County.

Essential Documentation and Information Requirements

Required documentation includes your original settlement agreement, which outlines the terms of your structured settlement and establishes your payment rights. This document is essential for verifying payment amounts, schedules, and other details. You'll also need your payment schedule, which shows when payments are due and how much each payment will be. Having these documents ready helps expedite the process.

Your annuity contract provides additional details about how your settlement is funded and may be required for court filings. Insurance company information helps verify payments and coordinate with annuity issuers. Identification documents are required to verify your identity and ensure payments go to the correct person. Gathering these documents early helps prevent delays.

Financial information may be needed to demonstrate need and support court approval. This might include debt statements, medical bills, or other documents that show why you need funds. Having this information ready helps support your case and demonstrates legitimate need. Our team helps identify what documentation is needed for your specific situation.

Our team assists with document gathering and preparation, helping you obtain necessary documents and ensuring everything meets requirements. We coordinate with insurance companies, help you understand what's needed, and ensure all documentation is complete and accurate. This support helps streamline the process and prevents delays.

Working with Reputable Companies and Ensuring Fair Treatment

Choosing reputable companies is essential for ensuring fair treatment, competitive rates, and smooth processing. Licensed companies must comply with state regulations, provide required disclosures, and follow legal procedures that protect your interests. Verifying company licensing, checking reviews, and ensuring transparency helps you work with trustworthy partners. Our commitment to transparency and fair treatment ensures you receive quality service.

Transparent pricing ensures you understand all costs and fees upfront, with no hidden charges or surprises. Reputable companies provide clear breakdowns of discount rates, fees, and net proceeds, helping you make informed decisions. Understanding pricing helps you evaluate offers and ensure you receive fair value. We're committed to transparent pricing and clear communication.

Responsive customer service helps ensure questions are answered, concerns are addressed, and the process moves smoothly. Good communication throughout the process helps you stay informed and feel confident. Our team is available to answer questions, provide updates, and address concerns, ensuring you have the support you need.

Experience and track records demonstrate companies' ability to complete transfers successfully and navigate court approval processes effectively. Companies with strong track records understand what's needed, how to prepare cases, and how to maximize approval chances. Our experience helps ensure smooth processing and successful outcomes. Choosing experienced partners helps ensure your transfer proceeds smoothly.