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Sell My Annuity

Selling your annuity payments gives you financial flexibility and freedom when you have an immediate need for cash. Rather than collecting a fixed amount over the course of several years, you can sell your annuity payments to a structured settlement company in exchange for a lump-sum payment.

You can sell your entire payment series or part of them. It is a simple process. However, working with the right company is critical to a secure and fair transaction.

Several good reasons exist for selling your annuity payments. However, taking an honest inventory of your finances is the most fiscally responsible way to determine if it is right for you. Typically, the immediate need for cash is the biggest driver when one decides to sell his or her annuity payments.

You can use your lump-sum deposit to pay for things like:

  • Paying of taxes and debt
  • Purchasing a new home or car
  • Funding your or your child’s education
  • Starting a new business
  • Affording unexpected medical care
  • And much more

The choice is yours to make in determining how to spend your money. No laws or regulations govern how you spend it. You have options available for selling your annuity payments by working with a structured settlement company.

After inventorying your finances, you may believe that obtaining a lump-sum for your annuity payments, in whole or in part, is the best option. The good news is that you can sell your annuity using a strategy that makes sense for your situation.


The first option for selling your annuity payments is in its entirety. You can work with a structured settlement company to liquidate the entire series of payments. This strategy means that you agree to receive a lump-sum payment in exchange for all of your annuity payments.


If you require some of your annuity in a lump-sum and cannot justify selling it all, then a partial sale is right for you. Instead of selling the entirety of your annuity, you designate a specific amount of time in which you will release your payments for a lump-sum.

For example, let’s say you need to put a down payment on a new home. You can sell a few year’s worth of your payments to a structured settlement company instead. This method will allow you to receive enough money to satisfy your mortgage lender.

How Much You Will Receive for Your Annuity

By selling your annuity to a structured settlement company, you will receive less than its face value. It is a business transaction that involves time, energy, and other resources to facilitate it. Therefore, expect that you are forgoing some of your income to benefit by receiving cash now.

The average rate that structured settlement companies charge is 15 percent. Paying this rate is worthwhile for individuals who have an immediate need for cash flow liquidity.

Steps for Selling Your Annuity Payments

Selling your annuity payments is a straightforward process. If you determine that it is the right option for you, make sure you do your research first. Take your time with the process, if you have the opportunity to do so. It is not worth the hassle to hire an unsavory or predatory brokerage firm.

Here are the steps you can take toward selling your annuity payments:

  1. Contact the structured settlement company to evaluate their services
  2. Submit a quote request to understand the terms and conditions of the transaction
  3. Collect the requested documents and sign the agreement
  4. Obtain an insurance policy change confirmation
  5. Receive the lump-sum deposit into your bank account

As you can see, it is a simple process to sell your annuity payments. If you are evaluating multiple structured settlement companies, review and compare their terms and conditions side-by-side.

Keep in mind that you get what you pay for, so the highest bidder is not necessarily the best choice. Working with an experienced and established provider is. Therefore, conducting careful research is critical to a successful transaction.

Contact Our Team to Obtain Your Free, No-Obligation Quote

If selling your entire or partial annuity payment is right for you, we invite you to contact our team of professional brokers today. We will ensure that you understand the whole process from start to finish. Let us know how you would like to receive your cash, and we will work diligently and competently to make it happen.

You can obtain your free, no-obligation quote by submitting our online form.

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