How to Sell Your Structured Settlement for Maximum Value in 2025
If you’ve won a lawsuit or injury claim, chances are you’re receiving regular payments through a structured settlement. While these payments provide long-term financial stability, many people prefer to access their funds upfront — especially during emergencies. In this guide, we’ll explain how to sell your structured settlement, which companies offer the highest payouts, and how to avoid costly mistakes in the process.
What is a Structured Settlement?
A structured settlement is a financial agreement where a claimant receives periodic payments instead of a lump sum. These are common in personal injury, wrongful death, and product liability cases. However, situations like medical emergencies, debt, or business opportunities often make it necessary to sell these future payments for immediate cash.
Top Structured Settlement Companies in the USA (2025)
- J.G. Wentworth – One of the most trusted names in structured settlement buyouts.
- Peachtree Financial – Known for fast processing and competitive offers.
- Stone Street Capital – Specializes in large settlement purchases.
- DRB Capital – Offers flexible payment options and lump sum buyouts.
- Olive Branch Funding – Focuses on helping individuals get fair value for their settlements.
Steps to Sell Your Structured Settlement
- Evaluate your financial needs and decide how much of the settlement to sell.
- Get multiple quotes from reputable settlement buyers.
- Work with an experienced attorney to review offers.
- Get court approval — required for all settlement transfers.
How Much Cash Can You Get?
The payout depends on factors like the total value of your settlement, remaining payment schedule, and discount rates offered by buyers. On average, companies pay between 60% to 80% of the present value of your future payments.
Common Mistakes to Avoid
- Selling your entire settlement instead of a portion.
- Accepting the first offer without comparing quotes.
- Not consulting a financial advisor or attorney.
Final Thoughts
Selling your structured settlement can provide financial freedom, but only if done wisely. Always compare offers, work with trusted companies, and seek legal guidance before making a decision.