Best Structured Settlement Companies of 2025

Looking to sell your structured settlement in 2025? Our team reviewed dozens of buyers and ranked the best structured settlement companies companies based on payout amounts, turnaround time, customer service, and overall transparency. Whether you’re comparing quotes or starting fresh, this guide will help you make an informed choice.

Every structured settlement company featured on this page has been independently reviewed by our editorial team. Placements reflect reputability, real offers, and genuine customer feedback.

Top 3 Structured Settlement Companies of 2025

District Settlement Finance

Seated in the nation’s capital for over 20 years, District Settlement Finance is a direct buyer, meaning you’ll get more here than anywhere else on the market. Their team of experienced professionals work with you one-on-one to understand your financial goals and ensure you get the highest payout possible.

Payment Stream Group

Payment Stream Group is an emerging structured settlement company specializing in alerting individuals when they are being underpaid by broker companies. They offer zero obligation quotes and assessments to those considering their structured settlement options or an alternative to JG Wentworth.

LJC Solutions

LJC Solutions is a small structured settlement firm that can help you convert future structured settlement payments into a lump sum, usually within weeks. Their family-oriented team will walk you through the process with personalized service and constant communication.

Additional Top Structured Settlement Companies

Peachtree Financial Solutions

Peachtree Financial has assisted many annuitants over the years with structured settlement transfers. Their process tends to be more traditional, and while not the fastest, they do offer helpful guides and phone support during the sale process.

Annuity.org

Annuity.org functions more as an educational resource than a direct settlement buyer. They provide extensive articles on annuities and personal finance topics, though they partner with third parties for actual purchasing.

CBC Settlement Funding

CBC Settlement Funding provides competitive offers for individuals selling part or all of their structured settlements. Their site highlights a low-pressure approach and offers a number of articles and video explainers on the process.

JG Wentworth

JG Wentworth is one of the most recognizable names in the structured settlement industry. While their brand reach is vast, experiences can vary based on the type of transaction and representative assigned. They remain a well-known player in the space.

Structured Settlement FAQs

How long does it take to sell a structured settlement?

Most structured settlement sales take between 30 and 60 days. Timelines depend on your state’s court system, how quickly you provide required documents, and the experience of the buyer in navigating court approval.

Can I sell just a portion of my settlement payments?

Yes, many buyers allow you to sell a specific number of payments or a defined portion of your total payout. This gives you flexibility to access cash while keeping some structured income in place.

What’s a good discount rate?

A good discount rate typically ranges between 9% and 15%. The lower the rate, the more you keep. Be sure to compare offers and review our discount rate guide to understand how these rates affect your lump sum.

Why is court approval required?

Court approval is legally required in most states to protect your long-term financial interests. A judge will evaluate whether the sale terms are fair and in your best interest. Learn more in our guide to court approval.

Is the money I receive from selling my payments taxable?

In most cases, no. Structured settlements paid for personal injury claims are typically tax-free — even when sold. Still, you should speak with a tax professional to understand how this applies to your situation.

Sources & References

The team at My Settlement is committed to providing accurate, policy-driven information about structured settlements. We rely on government guidance, legal standards, and company-reported data to support our rankings.