structured settlement companies

What is a Structured Settlement? A structured settlement is a legal, financial
arrangement whereby tax-free periodic payments are made to a claimant as resolution for a
personal injury tort claim. Lump sum payments alternatively are made all
at once and are taxed by the government. Structured settlements became more widespread
over 30 years ago, in 1982. Congress passed legislation that amended the
federal tax code that advocated for the use of structured settlement in physical injury
cases as each payment wouldnt be taxed.

The action was called the Periodic Payment
Settlement Act of 1982. Today, property & casualty insurance companies
having the responsibility of paying out funds as per the structured settlement arrangement
can transfer its obligation to a third party (or a qualified assignment). If the claimant consents to the transfer of
the periodic payment obligation, the property & casualty company will not have to make future
payments. A qualified assignment company must meet the
criteria determined in Internal Revenue Code Section 130 [3].

This qualification acts as validation for
federal income tax purposes. Under Section 130, the amount received is
not included in the income of the assignment company. Without this provision, assignment companies
would owe federal income taxes on assigned cases, and would have no resources from which
to make the payments. If you are currently receiving payments, you
have the option to sell your structured settlement for a lump sum.

RSL Funding can get you the money you need
when the need arises by taking a small percentage of the overall amount. With the help of RSL, you no longer have to
settle for the original structured settlement schedule. You get your awarded money faster, when you
need it most. Choosing RSL Funding
Its possible that you have seen TV commercials or have been sent information from other structured
settlement companies promising you the best price for your payments.

At RSL Funding, we dont rely on gimmicks
or catchy jingles to get your attention. Instead, we let our reputation speak for us. If you still want to do some research on your
own, start by checking with the Better Business Bureau. The BBB will be able to give you some accurate
information on customer service practices of major structured settlement companies.

When viewing complaint statistics, pay close
attention as to whether the issues were resolved. Why Sell Your Structured Settlement? The saying goes, The best things come to
those who wait. Well, that isnt always the case. When financial need arises, waiting for your
structured settlement payments to come in may do more harm than good.

If you need a lump sum to cover expenses,
pay your mortgage, pay outstanding medical bills, buy a new car to get to and from work
or for any other reason, selling your structured settlement could work in your favor. Unlike pay day loans or get-rich-quick schemes,
your scheduled payments belong to you and you do not have to pay them back. For a small percentage of your overall payment
amount, RSL Funding can buy your structured settlement or annuity, putting you on the
road to financial freedom. No more waiting by the mailbox.

No more stressjust the peace of mind knowing
that you have the cash you need, when you need it. Why Sell Your Structured Settlement Now? The initial reasons for opting for a structured
settlement depend on the circumstances. Perhaps you were in an accident, and the settlement
was put in place to support you in the event that you could not work at some point in the
future. Perhaps it was meant to be used as a retirement
fund.

Maybe, it was a conscious personal finance
strategyyou wanted to tuck money away for a rainy day and gradual payments could help
you do it. Whatever the reason, your situation may have
changed. Use your lump sum to:
Pay bills Buy New Furniture
Pay for College Start a Business
Start a New Investment and Much More Why You Should Use a Structured Settlement
Annuity Calculator Many people with a structured settlement or
annuity find themselves in the predicament of needing a lump sum of cash in a short amount
of time. RSL Funding is a viable option for those needing
their cash sooner rather than later.

In these pressing times, its important
to understand the principals of calculating just how much your structured settlement or
annuity is worth. Using a structured settlement annuity calculator
is one of the easiest and best options for determining just how much money you would
be receiving. Because there are varying circumstances for
which people are looking to consolidate a settlement, you should be familiar with the
different types of calculators. These calculators are often available for
free on various web sites, and they allow you to calculate the present value of your
structured settlement or annuity.

Types of Structured Settlement Annuity Calculators
When it comes to calculating the value of your structured settlement and annuity, there
are three main types of calculators all with slightly different functions: the discount
rate calculator, the effective rate calculator, and the present value calculator. Familiarity with all three will help you determine
which option is right for you. Discount Rate Calculator With a discount rate calculator, you can assess
the present value of your future payments, which is commonly referred to as the discount
rate, of your structured settlement. The typical discount rate for selling your
structured settlement is currently between 8 and 14%.

Effective Rate Calculator The effective rate calculator factors in the
nominal annual rate (often referred to as the stated rate) and effective discount
rate to determine how much your structured settlement is worth, should you choose to
sell it. Before using this calculator, find out how
the effective discount rate is compounded (continuously, daily, weekly, monthly, annually
etc.). Present Value Calculator A present rate calculator establishes the
present value of your future payments should you decide to sell all or part of your structured
settlement or annuity. The present value refers to the lump sum a
company offers you for the payments you will be receiving.

By using either the discount rate calculator
or the effective rate calculator you can often better calculate your discount rate. The discount rate is then used in calculating
the present value of your structured settlement. Though there are no guarantees the values
you receive from the calculators are what companies will give you for your structured
settlement, the numbers you obtain provide a good starting point when negotiating with
companies about selling your structured settlement for a lump sum payment. Weve made it easy for you to find out how
much your annuity is worth.

Just enter in your details into the form below,
and one of our experienced representatives will get back to you with the true value of
your annuity payments. If youre looking to sell your annuity,
structured settlement, or lottery winnings, RSL Funding will be sure to give you the most
money. 4 Important Tips on Selling Structured Settlements Sellers of structured settlements ought to
give major consideration to the prospect of whether or not the sale of a structured settlement
is indeed the ideal choice for their particular situation. Let us suppose that you already have thought
this decision through quite thoroughly, and youve concluded that it is the best choice.

In such a case, here are some tips covering
a few potential issues to watch out for. Tips on Selling Structured Settlements
Tip #1: Do not succumb to undue pressure to sell You need only sell your structured settlement
if and when you are truly comfortable doing so. If you even have an inkling that the deal
is not legitimate or fair, and the buyer appears to be attempting to modify the original agreement,
or tack on extra costs, simply do not finalize the deal. If the buyer seems to be trying to scare you
into signing off on the agreement, pause for a moment and refrain from going through with
it until you are certain that you are ready.

Tip #2: Read over all the fine print Go over any paperwork you receive thoroughly
to make sure that the structured settlement buyer is staying true to the price he or she
originally quoted. Request ample information and make certain
you completely understand what the agreement entails. If you encounter a defensive buyer who acts
suspicious and uncomfortable with your reasonable questions, you have every right to walk away. Tip #3: Be wary of questionable promises The majority of all structured settlement
transactions require a minimum of 1-2 months to finalize.

With this in mind, if a structured settlement
buyer claims he can get the deal squared away in an unrealistically short span of time,
he or she is most likely baiting you with a false promise. The same goes for overtly large offers. As with anything, if it sounds too good to
be true, there is a chance it is. Use good judgment in this regard and be careful! Tip #4: Never take the first bid that is offered
to you You need to obtain bids from various competing
structured settlement purchasers.

Even when the very first offer that you receive
piques your interest, always await competing offers before making a final choice. It is also important to keep the bids you
have received private from other potential bidderseven if some potential buyers inquire
on the offers you have received up to that point. This approach can help you to make sure you
are given neutral, unbiased bids. So there you have it; our tips on selling
structured settlements.

When you know what to expect, youre more
likely to make an informed decision about who will have the opportunity to buy your
structured settlement. Remember, RSL Funding will always be in your
corner. Below the video links are very important the Better Business Bureau
http://www.Bbb.Org/houston/business-reviews/financial-services/rsl-funding-llc-in-houston-tx-16000710/ structured settlement annuity calculator
http://www.Rslfunding.Com/structured-settlement-annuity-calculator/.

structured settlement cash

1-Structured settlement cash 2-Cashing Out If youre in the midst of a financial emergency
and dont know where to turn, you are not alone. Millions of Americans dont have the funds
they need to handle an unexpected financial crisis. When faced with costly car repairs, medical
bills or unemployment, those receiving settlement payments can cash out to get the money they
need fast. 3-You Can Get Money from Your Settlement Faster Courts and financial entities typically award
structured settlements in cases where a large amount of money is awarded to a recipient,
and that sum is broken down into manageable chunks to be paid over the course of months
or years.

In the wake of an accident or wrongful death,
taking the structured settlement rather than a lump sum can be a good idea at the time. Many people with pressing financial needs
agree that for them, it is worth it to take a lump sum payment up front even though it
could mean collecting less money overall for the life of the settlement. Three of the last one hundred and two Powerball
winners elected to receive the lump sum in lieu of payments. 4-Benefits from Cashing Out - Have immediate access to your cash
- Gain ability to invest in a start up or house
- Get out of a financial crisis 5-Drawbacks of Cashing Out - Collect less money overall for the life
of the settlement - Lose an income stream
- Forfeit future payments 6-Getting a Cash Advance The terms of a settlement, such as the amount
and number of monthly payments, are determined by an insurance company for the purpose of
meeting the recipients financial needs in the coming years.The entire process of
selling your structured settlement payments takes 45-60 days.

But dont worry, we understand that can
seem like forever in an emergency. Thats why for qualifying cases we can get
you a cash advance up to $1,000 dollars in a matter of days. 7-Why Do People Cash Out Their Structured
Settlements? The question of whether or not to sell often
boils down to deciding between selling payment versus other funding options. One reason people choose to sell their settlement
payments over other options is because they dont want to have to pay the interest rates
associated with loans.

Others dont want to take on more debt in
the form of credit lines and cards, so they decide instead to pursue the option of selling
their structured settlement payments. Each individual has to decide for him or herself
whether selling their structured settlement payments is the right decision, but for many
people it is. 8-Americans Have Little to No Savings If you dont have a traditional savings
account stocked with cash, dont feel bad  its not just you. Half of Americans say they couldnt pull
together $2,000 in 30 days in the event of an emergency, according to a report from the
National Bureau of Economic Research.Most Americans have a set amount they expect to
make each month and a set amount of bills they expect to have to pay  and not much
else left to work with.

9-Costly Car Repairs The average cost for car repairs in the United
States is between $1,700 to $3,200 depending on which state you live in. When you consider that the average yearly
household income was $51,939 in 2014, that means that fixing a vehicle takes several
weeks worth of a familys income to pay for the cost. And unfortunately having a broken down car
doesnt mean you get a pass on normal costs like mortgage payments and electric bills. 10-Unexpected medical bills If you find yourself suddenly facing a costly
medical procedure or bill, youre not alone.

Twenty-four percent of Americans have experienced
a major unexpected medical expense in the past 12 months.Often, when your health is
on the line, no amount is too much. Indeed for every dollar spent in the United
States, 17 cents gets spent on healthcare. Even with health insurance, its possible
to find yourself in a bind..

Structured Settlement Cash For Payments Advance

You can trust that what you'll hear from Settlement
Capital is the real deal. And you'll get it in writing. You'll even get our best price
guarantee. We treat our satisfied customers like our family.

We have a best which is awesome, we have a
23-year track record that we're very proud of and we just try to make sure you have the
best price and best service to make this as painless and easy as possible. We have satisfied customers that when the
need arises they come back, and they come back because we treat them well. They feel
comfortable doing business with us. And we give them the best value for their money.

The company that I work for is like a family.
Everyone that works here has worked here for a very long time. We all love the company
we work at. And I think it shows in the service that we provide. I myself have been here for 15 years.

That's
longer than a lot of companies have been in business. Call us toll-free at 800-959-0065 and ask
for any of our professional and compassionate funding agents. They'll listen to you and in minutes you'll
have your free quote in your hands. No obligation.

No pressure. We promise..

structured settlement buyer

Buyers & Purchasers of Structured Settlement
Payments Companies that purchase structured settlement
and annuity payments form what is known as a secondary market. There are many buyers on the secondary market and if youre looking to sell there are
some key points you need to know to obtain the best price for your payments along with
good customer service. Trying to figure out where to sell payments
from your annuity or structured settlement? We can help Although the task may seem difficult, it really
isnt. There are firms specializing in buying payments,
and they can get the process started with just one call from you.

The journey begins with learning what a buyer
does, steps to consider, and finding a buyer who is right for you. People interested in selling annuities and
structured settlement payments turn to structured settlement companies in what is known as a
secondary market. The secondary market started about 25 years
ago and has grown dramatically as it has developed into a competitive and regulated industry. Buyers are individual investors and businesses
who are willing to purchase payment streams in exchange for lump- sum payments.

Whether you have a settlement from a personal
injury, or an annuity you inherited from a family member getting money in the near future requires
finding a quality buyer who will deliver the best service available. What Is the Buyers Role? Structured settlement companies acting as
buyers are available online and by telephone to discuss your interest in selling payments. A buyer will review your situation and in
most cases provide you with an offer if the terms of your annuity or structured settlement
allow you to sell your payments. Buyers benefit by purchasing your payments
at a discount.

Although you lose some of the value of your
payments the ability to receive money in a lump sum
can be an advantage, especially if you have a financial emergency or want to make a major
purchase such as a car or house. The secondary market stays competitive as
buyers use their available resources to provide you with up-front cash, in exchange for waiting
months or years for the payments you sold them While they benefit from the profit margin
related to the discount rate and waiting for a long-term payout, you benefit from receiving
money now. Selling Your Payments in the Secondary Market The primary market for structured settlements
is estimated at $6 billion in sales a year, and the secondary market buys its products
from the primary market As these businesses developed, the industry
has become highly regulated and closely monitored to protect the sellers best interest. Because there are about a dozen companies
prominently involved in the secondary market, buying annuity payments, it makes sense to
shop around and compare rates.

Remember that companies buying structured
settlements are businesses trying to make money. They charge fees for their service, similar
to the way banks charge fees for loans or credit card accounts The fees for structured settlements pay for
legal, administrative, recording, filing and miscellaneous work. These fees are usually factored into the settlement. Once you have chosen a company, they should
send you a contract and disclosure statement.

You should review the contract and disclosure
statement, either with your attorney or a financial advisor When you sign it and return it to the company
buying the annuity payments, they must file it with the appropriate court to get a judges
approval. The court then convenes a hearing and may
ask you to attend the hearing to answer questions about why you want to sell the structured
settlement. If the court agrees to the payout, the judge
will approve the transfer and you will receive a lump-sum payment. You can check with the Better Business Bureau
or Chamber of Commerce where the business is located to see how other people in your
situation have felt about working with a particular company.

You should feel comfortable throughout the
process of getting a quote. Avoid companies that put undue pressure on
you to sell immediately or have poor ratings from the Better Business Bureau A trustworthy company should be able to get
you money quickly but also take the time to answer any questions you have along the way. Links
http://paymaster.Co/structured-settlement-companies/.

sell your annuities

What is an annuity? An annuity is a financial product sold by
an insurance company which guarantees to pay the holder a certain amount of money every
month for the rest of their life. How much will the annuity pay? This depends on a number of factors, including
how much money is in your pension pot, how old you are when you buy your annuity, what
annuity rates in general are like when you buy it, and what the state of your health
is. What is happening to the rules around annuities? Until April 2015, most people had to use their
pension funds to generate an income for their retirement. In the majority of cases, this
meant buying an annuity.

But changes in the law mean that there is
no longer the obligation to generate an income from your pension fund. Why have annuities been criticised? Increasing longevity and falling interest
rates since the financial crisis of 2008 mean that annuities over the past few years have
paid out less than in the past. Another issue is that an annuity contract
is generally irreversible: once you have bought one, you cannot cash it in or try to get a
better rate. You need to be certain that a secure income in retirement in exchange for
your pension funds is your preferred option.

A lot of annuity customers have also automatically
taken the annuity on offer from the provider of their pension fund, who may not always
provide the best income. If opting for an annuity it always pays to shop around to see
whether another annuity provider may offer a better rate, especially if you are in poor
health. Do annuities have anything to recommend them? Despite these issues, buying an annuity could
still be the right thing to do in many circumstances. They offer a guaranteed income which will
not fall if, say, the stock market plunges.

For those who wish to take no risk with their
retirement income and want certainty over the level of income they will receive, an
annuity may still be the best option. The 2015 law changes mean that more people
are likely to keep their pensions invested after they retire, or buy assets such as buy-to-let
property: but though these options give greater flexibility and potentially better death benefits,
there is a risk of losing money. Also, an annuity means you will never run
out of money: if you take an income from investments, there is a chance you will exhaust your fund
before  you die. What kinds of annuities are available? There are numerous types of annuity, and which
one will suit you best depends on your personal circumstances.

Index-linked or escalating annuities These pay an increasing amount of money every
year in line with inflation or by a fixed percentage. The trade-off is that in the early
years they pay less than level annuities, where the income stays flat for the rest of
your life. Joint-life annuities These are aimed at couples. The annuity will
continue to pay out after the first partner dies, unlike single-life annuities.

From April
2015, it will be possible for a joint life annuity to be paid to anyone, rather than
specifically to a spouse or financial dependant. Enhanced annuities This type is for people who have health conditions,
such as heart disease, diabetes or high-blood pressure, which could reduce their life expectancy.
Enhanced annuities pay higher income than normal annuities. Some lifestyle choices such
as smoking may also give an increased rate. I want to sell my annuity for cash - how do
I get the best deal? The first thing is to be sure that you can
manage without the regular income.

Whilst a lump sum is obviously attractive, you will
have been used to having the income coming in and you need to be sure you can live on
a reduced income. With an annuity of 25.45 Per month that
is probably not much of an issue, but those with larger annuities need to be careful not
to be tempted by the thought of a cash lump sum and then find they cant manage on their
reduced income. Those receiving benefits such as housing benefit
or pension credit should be especially careful, as it is very unlikely that your benefit would
be increased even if your income fell as a result of selling an annuity. Also, if you
receive a large lump sum in payment, your benefits could be reduced.
The next question is working out what would be a fair price for your annuity.

A simple
way of looking at it would be to ask yourself what payments you are likely to receive for
the rest of your retirement. To give some round numbers, if the actuaries
thought that you were likely on average to receive the annuity for another ten years,
then you might think it is worth 3054 (25.45 A month times twelve months times ten years).
But the amount you would be offered is likely to be considerably lower than this.
There are a number of reasons why you might get less than you expect.
There will be costs to the company which provided your annuity in handling the transaction and
they are allowed to deduct these from the value of your policy.
There will also be costs to the company which buys your annuity (which could be the same
firm but could be someone else) and they will knock these off any offer that they make.
These could include the costs of any new medical checks that they might want to undertake,
the costs of advertising their services, their own profit margin and so on.
Another reason why you might get less than you expect is that the insurance industry
worries about something called adverse selection  this is the risk that the
people who are willing to sell their annuities might be the people who know that they are
in poor health. For this group, a cash lump sum may be preferable
to an income stream that lasts as long as they live. Although the buyer will ask health
questions, the seller of the annuity knows more about their health than the buyer, and
theres a risk that annuities which are put up for sale will continue in payment for
less time than an average annuity.

You ask an important question about whether
you should sell to your provider or on the open market. In my view there is no question
that you should get quotes from as many people as possible.
Its very hard to know what the right price is for an annuity, but at least if you
have several offers then you can choose the best one if you decide to proceed. The potential
lack of competition in this market is another reason why you might not get as much as you
expect. The Government has introduced a number of
measures to try to protect consumers, as it is concerned that people may not get value
for money.

One such measure is that anyone who makes
you an offer has to tell you what it would cost to buy the annuity that you have today
on the open market. This will give you some benchmark as to the underlying value of your
annuity. There is also a requirement to take financial
advice before selling your annuity if it is above a certain size. The Government has yet
to specify this threshold, but it generally regards annuities worth more than 30,000
as being important enough to be worthy of seeking advice.
This does not apply to you, and paying for advice would probably not be cost effective
for a relatively small annuity such as yours.

But you can contact the Governments free
Pension Wise guidance service if you want someone to explain in more detail how the
process will work. In terms of how you can take the money, you
can take it all as cash in a lump sum or you can invest it in a new product such as a drawdown
account and take the money gradually. In either case you should expect to pay tax
at your marginal tax rate - nil on less than 11,000, 20 per cent, 40 per cent or 45
per cent - on the money when it is finally withdrawn. The Government explains income
tax rate bands and personal allowances here.

Finally, you should be aware that taking the
money as a lump sum could mean you end up paying more in tax than if you had continued
to take regular payments under the annuity, depending on what other taxable income you
have. Contact the Governments
https://www.Pensionwise.Gov.Uk/ The Government explains income tax rate bands
and personal allowances here https://www.Gov.Uk/income-tax-rates/current-rates-and-allowances.

Sell My Structured Settlement Payments for Cash

Hi my name is Doctor Vanderloop and I come
to you today because I actually had some of my patients as well as my family members that
had to do their own wealth structured settlements. In other words they had a lawsuit that took
place where it was medical or a major accident. A lot of people don't know what a structured
settlement is, but basically it is, it is an annuity that pays out over a period of
time versus all up front. So in other words, certain people would have you know, paid out
monthly, on certain times out of the year, some even have payment up front.

But each
person can vary structured settlement but the idea is that pay you out over a period
of time. The nice part about it is you don't have to
sell your whole annuity if you want you can sell a portion of it for the money you need
at the present time. Normally it takes sixty to ninety days to
be able to get your hands on the cash. It can vary from individual from individual but
over all the normal case is sixty to ninety days.
Another question we get a lot is, is do I.

Need an attorney, do I need a lawyer? Certain
states yes you do, other ones no you do not. So it's best for you to get some independent
counsel on your own to find out about that or the best idea and solution I can have for
you is actually give us a call or in other words click on the link below where we can
contact you and give you more information and let you know what is available to you..

sell annuity payments

Sell annuity payments
--What are Annuities? An annuity is an investment product that can
be tax deferred and is sold by insurance companies. For people wanting a secure future an annuity
is a very good choice as an investment. The more common retirement plans such as the
401(k) and Roth IRA and Roth 401(k) while most widely used do in fact have some limitations
with regard to an income ceiling, limitations on contributions and on withdrawals. In comparison an annuity does not limit the
amount of contributions you are able invest.

There is not an income limitations nor is
there compulsory withdrawals. An annuity is preferable therefore for someone
who although contributing to their usual retirement plan are still looking for a regular periodic
payment whether fixed or variable. A deferred annuity, which gives a constant
flow of payments during retirement has proven to be the most desirable annuity. --Why Sell Annuity Payments? The annuities you can sell may have been purchased
by you or inherited from a family member.

You may want some lump sum cash from a structured
settlement from a personal injury case or other lawsuit such as medical malpractice. The reason for wanting to sell your annuity
may be nothing more than the need for some immediate cash. Maybe you want to buy a new house, start a
business or pay for the education of your children. Because of the deferral of taxes on annuities
one might sell some or all of their annuities to avoid being placed in a higher tax bracket
upon retirement.

The lump sum cash for annuity payment option
needs to be considered carefully. --How beneficial are annuities
An annuity should really be held for many years to get the most out of this type of
investment. Buying an annuity a couple of years before
retirement is not such a good investment and the benefits do not really outweigh the costs. Therefore one might consider selling their
annuity and invest in products that produce a higher yield or return on their investment.

People holding variable annuities may be wiser
spending time managing investments in securities to gain a better return on their investment. The reason for this is that variable annuities
do not guarantee a fixed stream of payment like fixed annuities do. The payments you'll get from this type of
investment will be based on your ability to assemble a good portfolio of securities. --So How do you sell your annuity? Well first of all establish the value of the
annuity.

Figure out the discounted value of the annuity's
future cash flow in order to determine it's current value. This ought to be the price that you get when
you sell your annuity. If the market price of your annuity is less
than it's current value then you should not sell the annuity. Instead hold on to it until the market value
is at a point where selling makes financial sense.

Decide whether to sell all or part of your
annuity. A nice benefit that a secondary market for
annuities has to offer is the opportunity to sell a part of your annuity payment and
hold on to the remainder. As an example you could sell 1/3rd of your
regular monthly annuity payment for certain number of years and get a lump sum amount
while still getting your other 2/3rds every month. --Cash for annuity payment, finding the buyer
An established structured settlement company can figure out the value of your annuity.

They will also lead you through the steps
and documents needed to proceed to sell your annuity payments. These documents will include the annuity policy
itself, copies of the annuity checks you have received, tax returns and various other documents. While there is obviously a fee for this service
it will speed the process up and help you avoid mistakes that could cost you money. If you find you cannot sell your annuity for
the price you want, think about swapping your annuity payments for a more agreeable annuity.

As an example you could swap your variable
annuity payments for fixed payments using an annuity swap
It might also be possible for you to use your annuity as collateral for a loan if you are
in need of some cash but is can't sell annuity payments for a decent price Below the video links are very important links
http://annuitysold.Com/.