Frequently Asked Questions


If you have a scheduled annuity that no longer suits your current circumstances, selling part or all of your future payments for a lump sum can give you the funds you need. A lump sum can be invested again or put toward emergencies. Cashing in your annuity for a lump sum now can keep you out of debt and help you save money for the future.

An annuity is a form of investment that pays out income over a determined period of time. The size and length of the payments depend on what type of annuity you have, some paying out over a certain number of years and others for the owner’s lifetime. A 10% early withdrawal penalty before age 59 ½ and tax-deferred investments make it a common option for retirement planning for many Americans.

Call 1-888-903-3336 to discuss your options with a Funding Executive to discuss how you can make the most of your money.

Depending on your needs, selling the entirety of your annuity is not always necessary. Many people sell only a part of their future annuity payments in exchange for cash. Our Funding Executives will help you decide how much of your annuity you should liquidate to meet your needs.

With over $1.2 billion of annuity and other cash flow purchases, we have the experience needed to ensure that we are the most respected annuity purchaser in the industry. Our experts have a 98.6% success rate for court approvals.

We buy future structured settlement, annuity, and lottery payments. We also have a Professional Services division that specializes in non-standard cash flows that cover anything from bankruptcy liquidation to sports contracts.

The process in getting a settlement approved can vary by state, with some states taking longer than others. You should expect to get your money from anywhere between 60 – 90 days; however, some people may qualify for an advance on their money, depending on their situation.

Please have a copy of your structured settlement policy, social security number, driver’s license, and one other form of ID handy when you call your Funding Executive. This will make the process go much quicker than if you don’t have them on hand.

No. Disability payments are not assignable contract rights.

Absolutely! Even if you’ve worked with other companies to sell your structured settlement payments in the past, you can still work with us. Your Funding Executive can give you more information on the phone.

Most people will have a quote by the end of their initial call with a Funding Executive.

My Structured Settlement Funding will not work with retirement funds, workman’s compensation payments, child support payments, unemployment benefits, divorce settlements, social security disability, or pensions.

That’s completely up to you. Our Funding Executives will work with you on many different options depending on how much cash you need.

There are usually no taxes owed as structured settlement payments are tax-exempt. However, it never hurts to check your state laws or confirm with a tax advisor.

We understand that selling portions of your structured settlement or annuity payments can be a long and confusing process, so that’s why we make sure we take our time and always keep you in the loop.

The conclusion of a personal injury lawsuit is often in the form of a payment of damages to the plaintiff. Sometimes, the payments come in the form of a structured settlement, a long-term annuity paid out over a set period of time. This can be over a series of years or even a lifetime, and payments can be deferred in order to fund retirement. Payments from a structured settlement are tax-free, providing future financial stability for you and your family.

Once signed, a structured settlement agreement generally cannot be changed. If your structured settlement doesn’t fit your changing life, you can sell your payment stream to receive the cash you’re owed at a better time for you.

No. Most people sell only a portion of their structured settlement payment stream. Depending on your needs, selling the entirety of your structured settlement is usually not necessary.

You can schedule a free consultation with My Structured Settlement using our form or by calling 1-888-903-3336. Our team of experts will help look at your structured settlement agreement and determine what portion of the payment stream you should consider liquidating into usable funds.

Yes! Whether you’ve worked with us before or sold part of your payment stream elsewhere, we’re happy to assist with turning more of your structured settlement into funds you can use.

Absolutely. Selling your annuity in exchange for cash you can use now is an efficient way of recovering the money you own without paying a penalty for withdrawing too early. My Structured Settlement Funding can purchase a partial or entire annuity and give you accessible cash to help you through your financial needs.

Most people will get their quote by the end of the conversation with their Funding Executives.

A payment awarded, often as a result of a personal injury lawsuit, all at once is a lump sum payment. As opposed to an annuity, which pays out over time, a lump sum payment does not have long-term reliability. However, a lump sum is more practical for situations of financial need. In such cases, you can sell.