If you’re receiving periodic payments from a legal settlement and want a lump sum instead, working with one of the best structured settlement companies in the USA can help you access your funds quickly and efficiently.

Whether you’re planning to pay off debt, invest in a home, or start a business, selling your annuity to a reputable company ensures that you get the highest possible value. In this article, we’ll cover how these companies work, what to look for, and the top options in 2025.

What is a Structured Settlement?

A structured settlement is a type of financial arrangement where a plaintiff receives scheduled payments over time instead of one lump sum. These are common in personal injury, medical malpractice, or wrongful death lawsuits.

Why Sell Your Annuity?

Many people choose to sell their future payments to meet urgent financial needs or take advantage of investment opportunities. Selling a structured settlement gives you immediate access to cash, though it’s important to partner with a trusted structured settlement buyer.

Top Structured Settlement Companies in the USA

1. J.G. Wentworth – Industry leader with flexible options and high payouts.
2. Peachtree Financial Solutions – Fast approvals and strong reputation.
3. Stone Street Capital – Competitive offers and strong customer support.
4. Fairfield Funding – Personalized service and transparent process.
5. SenecaOne – Ideal for long-term annuity buyouts.

How to Choose the Best Structured Settlement Company

• Check reviews and Better Business Bureau ratings
• Compare multiple offers before accepting
• Ask about fees, legal costs, and payment timelines
• Look for companies with proven experience in annuity transfers

Frequently Asked Questions

Q: Is selling my structured settlement legal?
A: Yes, but it requires court approval to ensure the sale is in your best interest.

Q: How long does the process take?
A: On average, it takes 30 to 60 days, depending on state laws and court scheduling.