Sell Your Annuity
Trade your future payments for a lump sum today.
MySettlement purchases annuity payments directly so you can access the liquidity you need through a transparent and court-approved process built around your goals.
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Sell your annuity payments with total certainty
Life often brings unexpected financial demands that outpace a standard payment schedule. Medical bills or debts might require immediate attention before your next check arrives. An investment opportunity could arise that makes waiting for a distant payout seem like a missed opportunity.
MySettlement operates as a direct buyer to provide a streamlined experience. You work directly with our team to evaluate your assets and receive a transparent offer. We use simple language to explain your options so you can make an informed choice.
You can choose to sell the full amount or a specific portion based on your needs. Our specialists ensure you have a complete picture of the transaction before you commit to any agreement.
Is selling your annuity the right move for you?
Many individuals find that liquidating their payments provides the flexibility required for these specific life events.
Need immediate cash
Structured annuity recipients who want immediate cash flow
Facing unexpected expenses
Individuals managing medical expenses or legal costs that require fast solutions
Planning long-term goals
People navigating major life changes, such as moving or starting over financially
Seeking clarity and control
Anyone who wants to weigh their options before staying with a long-term schedule
Wanting a court-approved solution
Clients who prefer direct control over their capital to achieve personal goals
What Does It Mean to Cash Out an Annuity?
Cashing out an annuity means exchanging your future scheduled payments for a single lump sum today. Instead of waiting years to receive your full value, you get immediate capital through a court-approved transfer — on your timeline, not the contract’s.
01
Urgent expenses
Medical bills, home repairs, or debt that can't wait for installment payments to arrive over time.
02
Investment opportunity
A business or real estate window with a narrow timeline where liquid capital matters most.
03
Life circumstances changed
A structured payout made sense when set up, but your financial picture has shifted since then.
04
Prefer a lump sum
Full control over your money now rather than decades of small payments arriving on a fixed schedule.
How the conversion process works
We designed a straightforward path to move from your first call to a funded bank account.
Speak with an expert
A dedicated professional discusses your annuity details. You receive personalized attention to ensure every aspect of your situation is understood clearly.
Calculate the present value
Our team reviews the schedule and issuer to determine a competitive value. We provide transparent figures that reflect current market rates.
Review your cash offer
You receive a clear offer with every detail fully described. Take the time you need to evaluate the numbers before moving forward.
Legal and court approval
The law requires judicial oversight to ensure the transaction serves your interests. Our experts manage the filings and documentation to keep things simple.
Receive your lump sum
Funds are disbursed directly to your account after approval. Most clients see their money within weeks of accepting the initial offer.
Unlock your financial freedom
Exploring a full or partial sale can give you the options that fit your life. Let our team help you find the best path forward.
Reasons to liquidate your annuity payments
Rapid access to capital
Convert distant payments into cash you can use immediately. A lump sum allows you to address current needs without delay.
Verified legal accuracy
Judicial review protects your interests during every sale. We manage the entire legal process to ensure a smooth transition.
Clear financial offers
Expect complete transparency in every quote. You see the full breakdown of your offer before you agree to any terms.
Direct professional guidance
Our specialists handle your file personally. You receive consistent updates from a dedicated partner throughout the process.
Decades of reliability
We offer 20 years of expertise in the annuity market. Our history shows we can navigate any situation successfully.
Flexible selling options
Sell your entire annuity or just a specific portion. You decide the amount and the timeline that works for your life.
Trusted industry leaders serving clients nationwide
Deep Industry Knowledge
Thousands of clients have successfully converted their payments with our help. Our experience ensures your case stays on track.
Specialized Court Expertise
We understand judicial requirements across every state. This knowledge helps us avoid delays and secure approvals efficiently.
Fast Funding Cycles
Liquidating your payments shouldn't take forever. We work quickly to move your transaction from paperwork to payment.
We Act as a Direct Buyer
Eliminating middlemen leads to faster, cleaner transactions. We purchase your annuity directly to provide a superior experience.
Full National Coverage
Our services extend to all 50 states. We adapt our process to meet the specific legal standards of your location.
Expert Attorney Network
We collaborate with legal professionals to keep your case organized. This partnership ensures compliance and keeps the project on schedule.
Find the right financial solution.
Our team evaluates your payments to show you what they are worth today. We explain every option clearly so you can choose a path with confidence.
what Clients say About Us
Customer satisfaction speaks louder than anything we can say
Excellent and very helpful
Nichole was amazing from start to finish. Had everything signed and done in a timely manner. Expressed my urgency to her and she was on it. Great company that is compassionate, professional and very ethical.
Great customer service they responded to text messages in a timely manner and just overall did their job and doing everything they could make this happen as fast as possible thanks guys
Nicole was absolutely amazing, she was so helpful, & made sure to keep me very well updated through the entire process, she went above and beyond to help me when I really needed it most I cant thank her or the rest of the team enough
Frequently Asked Questions
How does the sale work?
The process involves a review of your schedule and a competitive cash offer. We manage the court requirements and send the lump sum to your account once approved.
Is it possible to sell only a few payments?
Partial sales are always available. You choose the number of payments to liquidate while keeping your long-term income secure.
Is judicial approval necessary?
Legal oversight confirms the sale is in your best financial interest. We handle every step of the court process so you don’t have to worry about the legalities.
How do you value the annuity?
We use a discount rate to find the current value of your future income. Every calculation is explained clearly so you understand the offer fully.
Are there hidden costs?
All costs are stated clearly before you sign. The offer you accept is the exact amount you will receive in your account.
What about taxes?
Tax rules vary by annuity type and original terms. Personal injury settlements often provide tax free payments. Consulting a tax professional is recommended to understand your specific situation.