The Best Structured Settlement Companies

On February 25, 2026 By newsroom Topic: Debt Advice

Structured settlement buyout companies allow individuals to convert periodic payments from settlements into immediate lump sums of cash. Here's a comprehensive look at the services and top providers in this field.

What Is a Structured Settlement Buyout?

Definition: Financial companies purchase structured settlements (periodic payments) in exchange for a reduced, upfront lump sum.
How It Works:
The company evaluates the total payout, payment schedule, and interest rates.
They offer a lump sum payment, taking a percentage as a fee.
Use Cases: Paying debts, investing, or large purchases like a home or education.
Example: $2,000/month for 20 years ($480,000 total) might be bought for a reduced upfront amount, e.g., $350,000.

Pros and Cons of Structured Settlement Buyouts

Pros

Immediate Cash Access: Useful for emergencies or significant purchases.
Financial Flexibility: Repay debts, start a business, or invest.
Avoid Long Waiting Periods: Reduces risks associated with inflation or changes in financial needs.

Cons \u274c

Reduced Total Payout: Companies deduct a significant fee, reducing the overall amount.
Loss of Future Income: Giving up predictable payments.
Legal & Financial Implications: Potential taxes, penalties, and legal hurdles.

How to Choose a Structured Settlement Company

Reputation & Licensing: Ensure the company is regulated and trustworthy.
Transparency: Clear terms, timelines, and fees.
Comparison: Get quotes from multiple companies.
Expert Guidance: Consult financial advisors or use brokers to understand long-term implications.

Top Structured Settlement Companies

1. Fairfield Funding

Features:
Fast payouts (as little as five days).
Covers all court and transaction fees.
No hidden charges.
Unique Perks: Offers referral bonuses of $500.

2. JG Wentworth

Specializes in: Structured settlements, annuities, and lottery payouts.
Features:
Scholarship program for students.
Free consultations and quotes.

3. Peachtree Financial Solutions

What They Do: Buy structured settlements, annuities, and lottery winnings.
Features:
Wide payout range ($300 - $750,000).
Pre-settlement funding for ongoing lawsuits.

4. DRB Capital

Focus: Lump-sum payments for structured settlements and annuities.
Features:
Provides representatives to handle the court process.
Free consultations available.

5. Annuity Transfers

Strengths:
Direct-funded (no brokers).
Transparent, no high-pressure sales tactics.
Offers free online quotes.

6. Annuity.org

Highlights:
Offers $1,000 cash advances for qualified sellers.
Assistance with legal requirements and court approvals.
Free financial advice on how to manage lump sums.

Structured Settlement FAQs

When Is a Buyout a Good Idea?
When facing urgent financial needs like debts, buying a home, or starting a business.
What Is the Structured Settlement Protection Act (SSPA)?
A federal law ensuring consumer protection by regulating settlement transfers and mandating transparency.
How Much Do Buyouts Cost?
Costs depend on the remaining payments, interest rates, and company fees. Expect a significantly reduced payout compared to the total settlement value.
Are There Different Settlement Types?
Periodic: Fixed payments over a set time.
Life-Contingent: Payments continue as long as the recipient lives.
Deferred Lump-Sum: A single payment at a future date.
What Should You Look for in a Company?
Experience: Ensure they understand state-specific laws.
Customer Support: Assistance throughout the legal and financial process.
Competitive Offers: Compare payouts across providers.

Summing it up

Structured settlement buyouts offer financial relief but come at a cost. Evaluate your needs carefully, consult experts, and choose reputable companies like Fairfield Funding, JG Wentworth, or Peachtree Financial for the best experience.