Structured Settlements
What your future payments are really worth, how selling works, and how to read past the discount rates and fees that quietly cost sellers the most.
Structured Settlement Payout Options: How the Payment Stream Is Designed
Structured settlements can pay monthly income, future lump sums, lifetime payments, or a mix. Here is how each payout option is built and what it means.
Selling Annuity Payments: How the Process Works and What It Costs
How a factoring company turns future annuity payments into a lump sum, the discount that comes out of it, and when court approval is required.
Structured Settlement Court Approval: How the Process Actually Works
You cannot sell structured settlement payments without a judge's approval. Here is what the court reviews, why it exists, and how the hearing works.
What Does a Structured Settlement Broker Do?
A structured settlement broker designs the payment plan at the time a case settles. Here is the role, how they are paid, and how it differs from a buyer.
Structured Settlement vs Lump Sum: How to Weigh the Two
A structured settlement pays you over time; a lump sum pays you all at once. The choice changes your taxes, your risk, and your access to the money.
Are Structured Settlements Taxable? What the IRS Rules Say
Structured settlement payments for physical injury are usually federal income tax-free, but several exceptions and a key selling rule change the answer.
Structured Settlement Loan: Why It Usually Isn't a Loan at All
A structured settlement loan usually isn't a loan. Here's what you're really being offered, why the distinction costs money, and how to read the deal.
What Is a Structured Settlement? How the Payments Work
A plain-English guide to how structured settlements pay out over time, who funds them, and how they are usually taxed.
Selling Your Structured Settlement: Process, Pros, and Pitfalls
What it really means to sell my structured settlement, how court approval works, why the discount rate matters most, and how to avoid a bad deal.
How Much Is My Structured Settlement Worth?
Your structured settlement is worth its present value, not the total of future payments. Here is how the discount rate decides your real offer.
Structured Settlement Annuity: How It Differs From a Regular Annuity
A structured settlement annuity funds court-ordered injury payments, is bought on your behalf, and works very differently from one you buy yourself.
How to Compare Structured Settlement Companies Without Getting Burned
A practical framework for comparing structured settlement companies on rate, fees, court costs, and complaint history before you sell a single payment.