Structured Settlement vs. Lump Sum: The Basics

A structured settlement is an annuity awarded to a plaintiff in a personal injury lawsuit. The payments are usually for a specific number of months or years and sometimes are paid out for the life of the annuitant.  The settlement is awarded by a judge and administered by the insurance company settling the case.  Basically, a structured settlement is a guaranteed stream of income that is paid out over many years and there are advantages to leaving a structured settlement intact..

However, an annuitant can cash out their structured settlement for a lump sum cash payment. Selling settlement payments for a lump sum has many benefits. When the money is locked up in a structured settlement, the funds cannot be accessed in cases of emergency, such as immediate home repairs, or for an opportunity, such as a down payment on a home.

Why Most People Benefit From selling Structured Settlements for a Lump Sum

Everyone’s situation is different, but the majority of accident victims can benefit from lump sum payments. Even better, you don’t have to choose between one or the other – it’s possible to sell a portion of your structured settlement. There is no limit to the number of times you can sell settlement payments for lump sums. If you don’t want to cash out your entire settlement, you can sell a specific number of payments. Unlike a structured settlement, what you do with that lump sum is up to you and your financial advisor. You’ll have access to your money when you need it, and can pursue an investment strategy that can potentially grow the lump sum into a much larger reward.

Call today (1-866-865-7044) to speak to an advisor, or visit us online for a free quote. It’s quick, easy, and all information is kept strictly confidential. Woodbridge Structured Funding, LLC will beat any legitimate offer.

Woodbridge Structured Funding, LLC: Sell structured settlement payments for cash – with ease.

Structured Settlement Vs Lump Sum Payment

The answer to the structured settlement vs. lump sum payment question is going to be different for everyone. It’s important you consult with trusted legal and financial advisors before you cash out a structured settlement. There are pros and cons to cashing out structured settlements for lump sum payments. If you’re unsure whether you should sell settlement payments or not, contact Woodbridge Structured Funding for a free consultation with one of our structured settlement experts.

Cons of Cashing Out Structured Settlements for Lump Sum Payments

Not everyone benefits from cashing out a structured settlement. If you currently have enough savings that allows you to easily cover unexpected expenses such as medical bills or home repairs, then you may benefit from leaving your structured settlement intact. However, even if you have a substantial nest egg, it may still be a better option to take a lump sum payment and place your money in a higher earning investment. Leaving the settlement intact may be easier and potentially safer than cashing out the structured settlement and investing elsewhere. However, savvy investors can often increase the original settlement amount by selling the settlement and investing the lump sum.

Pros of Cashing Out Structured Settlements for Lump Sum Payments

To properly answer the structured settlement vs. lump sum payment question you need to carefully consider your financial needs. If your personal injury lawsuit has left you with large legal and medical bills, cashing out the structured settlement may be your only option to pay off these debts. Another advantage to lump sum payments is that you can place the money, in a more liquid investment that can be accessed as you need it.

Structured settlement vs. lump sum payment? Contact Woodbridge today for an answer. Woodbridge Structured Funding, LLC will beat any legitimate offer. Call today (1-866-865-7044) to speak to an advisor. You can also use contact us online for a free quote. It’s quick, easy, and all information is kept strictly confidential.

Woodbridge Structured Funding, LLC: Sell structured settlement payments for cash – with ease.

Annuities can be extremely beneficial investments. Whether you invested in an annuity, have been awarded a structured settlement, or won a lottery or casino jackpot, you’re likely sitting on a stable investment that can provide steady income for a long time to come. So why would you want to sell annuity payments? There are several reasons people sell an annuity for a lump sum payment. The primary motivation for many Woodbridge Structured Funding clients who decide to sell their structured settlement payments is to gain more control over their finances. It’s nice to have an annuity as backup, but when you need that capital for medical bills, a down payment on property, or other large expenses, having it locked up in an annuity can be counterproductive. If and when the need arises or an opportunity presents itself, you have the option of selling your future structured settlement payments. There is no reason to wait when you can benefit immediately by selling all or a portion of your payments for a lump sum and make the money work for you today.

Can You Receive Multiple Lump Sum Payments?

Another reason recipients of periodic payments seek a structured settlement annuity buyer is because they would like to shift some of their annuity into another investment. While your money is tied up in an annuity, you’re locked into a stagnant return. A prime reason people sell annuity payments to Woodbridge Structured Funding for a lump sum payment is so that they can invest in other higher yielding areas. Whether it is stocks or a life insurance policy, your money could be doing more for you if it wasn’t stuck in a single investment like an annuity. It’s your money, and how you choose to invest it should be your decision.

Furthermore, you’re not required to sell all of your annuity payments at once. You can cash out structured settlements in stages, taking out only the money you need, while leaving the remainder of the annuity intact. Another common situation that brings annuity holders to a structured settlement annuity buyer is the potential tax consequences levied against heirs who inherit the annuity. It’s not unusual to sell annuity payments in order to transfer that money into other investment vehicles that are not taxed as highly when transferred from one generation to the next. The decision to sell an annuity for lump sum payments isn’t just an investment in your future, it’s an investment in your family’s future.

Why Wait to Sell Annuity Payments?

Any financial decision should be carefully considered and discussed with advisors and the decision to cash out a structured settlement for a lump sum payment is no different. Before you seek a structured settlement annuity buyer or decide to sell annuity payments, it’s important to consider your current and future financial needs. How dependent are you on the annuity for future income? Can the funds in the annuity be put to better use elsewhere? Keep in mind, there is no need to cash out a structured settlement at once. You can sell annuity payments as it best suits your personal financial situation. You’re never under any pressure to sell the entire annuity; the lump sum should be based on your current needs and goals.

Contact Woodbridge Structured Funding at (866-865-7044) and get your free quote today. Our experienced staff can answer any questions you have about lump sum payments.

Selling Annuities for Cash Steps
1-3: Research, get the offer, accept the offer

1. First of all, get multiple quotes from a number of annuity buying companies. It would also be advantageous to try to find out everything you can on the companies you are considering selling annuities to. After all, working with a buyer you feel is worthy of your trust is very important.
2. After you have made a well-informed decision regarding which company you wish to sell your annuities to, formally accept the offer by providing your chosen buyer all the necessary legal documents verifying your annuity.
3. Depending on which state you live in, you may or may not be subjected to a professional financial review. This analysis helps you determine if the arrangement with your chosen buyer is truly in your best financial interest. The majority of states have a mandatory waiting period of around ten days, so the annuitant is given the opportunity to change his or her mind about selling annuities. The purchaser cannot continue with any related financial transactions until this waiting period is over.

Selling Annuities for Cash Steps 4-6: Documentation, submission, court date set up

4. This is followed by a documentation-processing period. The amount of time spend in this stage depends on where you live and which buyer you chose.
5. A local lawyer will then be assigned to submit all the necessary papers to a specific court on your behalf.
6. An official court date will be set within about six weeks. You will be notified of the exact date through mail.

Selling Annuities for Cash Steps 7-9: Court, judge agreement, Sold!

7. Majority of states have laws that require you to appear in court on the scheduled date of your hearing. The judge will evaluate the possible consequences should you be allowed to continue selling annuities.
8. The judge will make a formal decision either approving or denying the proposed transaction. In due course, the judge will sign the agreement if approved.
9. The insurance company in charge of financing your annuity will be notified that the payments have been sold.

Utilize your resources

10. Visit Woodbridgeinvestments.com

Trick Question: “Should you collect annuity payments in a lump sum, or college annuity payments?”

After looking at the total sum of money collected in school, the answer to this question is always “collect annuity payments.” However, school teachers are not telling their students the real life elements that would factor into the equation.

Five Reasons Why You Should Collect annuity payments in a Lump Sum

1) Taxation
When you collect annuity payments in a lump sum, the government will tax the entire amount up front, leaving you with far less than what you started with. This may sound unappealing, but only until you realize that when you collect annuity payments each time you receive money you will be taxed as well.

2) Time Value of Money
The time value of money is something that also needs to be considered when thinking about collecting annuity payments. Most annuities last over a decade long, some take over twenty years to complete the collection. The value of money fluctuates over time, and there is a risk in that the fluctuation might not work out in your favor.

3) Interest
If you collect annuity payments in a lump sum, you might not get the even payments to space out your income, but if you invest the money in a smart and safe way you can live off the substantial interest.

4) Investing
If investing safely is not something you are interested in, you might be more interested in investing the money in some sort of venture capital. You may want to contribute to the growing business of a friend or family member with your newfound wealth and this would be possible to do if you collect annuity payments in a lump sum.

5) Life Span
While this is something that people might shy away from thinking about, the realities of collecting a twenty year annuity payment is that you might not live to collect the entire sum. When you die, usually the remaining uncollected payments are returned to the government. This is money that neither you nor your inheritors will ever see.

The simple math problem that kids are getting in school is not as simple when real world factors are applied to the equation. While every situation is different, there are no clear-cut rules as to whether it is better to receive annuity payments or to collect annuity payments in a lump sum.

If you are among the thousands of Americans receiving periodic payments from a structured settlement, annuity, or lottery and looking to buy home, there is no better time than now!

With an overwhelming surplus of new construction, and foreclosed homes, there is a seemingly endless inventory of homes available on the market these days all across the country. Banks have tightened there lending requirements, and are racing to recoup lost assets felt as a direct result of defaulted home loans.

What does this mean for you?

It means that home prices have plummeted.

There are more houses on the market than there are buyers with available credit or ability to afford required down payments. The Feds have locked the interest rates for the time being affording you an opportunity to take part in the American dream of home ownership.

When you sell all or some of your structured settlement or annuity payments, you receive a one time lump sum of cash, that is readily available to you. Depending on how much your payments are worth, you may even be able to sell only a small portion of payments and still receive periodic payments to supplement your income. You can sell future payments even if you have sold some before. Companies such as Woodbridge Investments will buy your payments even if they are outside the guaranteed period.

How do you find out how much your payments are worth?

That’s Easy!

There are several companies that specialize in buying payments from structured settlements, annuities, and lottery winnings. These settlement purchasing and factoring companies have funding ready to put cash in your pocket now. Aggressive competition for your business ensures that you are going to get the most money possible for your payments. Once you have determined how much money you will need, find out how much your payments are worth by getting an appraisal or quote.

What do you need to get an appraisal or quote?

All you need is three!

• How often do you receive your payments?
  Do you receive them monthly, quarterly, annually, etc.
• How much are your payments?
  Are they $500, $1000, $10,000, $50,000, etc.
• How many payments are left?
  Do you have 5 years, 10 years, 30 years?

With just these three key pieces of info, you can find out how large a lump sum is available to you when you sell payments from a structured settlement, annuity, or lottery.

Are all your payments worth the same amount of money?

The answer is no. TVM, otherwise known as the time value of money, and the interest you have not earned in your payments not yet received all play a role in factoring how much your payments are worth. Payments that are further in the future are typically worth much less than those you would receive sooner. A dollar today is worth more than a dollar tomorrow. Inflation plays a large role in eating away at the value of your future payments. The amount of money you will pay for a bag of groceries today will not get you as large a bag in 5, 10, or even 20 years. For this very reason many people chose to cash out there payments now, and reinvest their money, start another business, pay for college tuition, or even put it in savings.

How does a company determine how much my payments are worth?

The equations used when factoring the monetary value of your settlement, annuity or lottery payment is a bit complex. TVM (Time Value of Money), Calculated rate of Inflation, and Interest Rates are just a few components used in determining each payments value.

After I chose a company to sell my payments to what do I do next?

Now that you have decided to sell your payments for a large lump sum. You will need to provide the company buying your payments with proof of your benefits. This is a letter from the insurance company that states in writing exactly how your payments are structured and how you receive them. Then you will need to sign agreement with the settlement purchasing company.

The company will deliver to you documents for your to review, and after you have agreed to the sale of your payments in writing, a court will review the transaction, and provide a final approval.

Why does a court need to review my sale?

A court will determine that the transaction you have agreed to is in your best interest, makes sure that all legal documents are filed accordingly, and that you will net be negatively or adversely affected by giving up some or all of your future payments. As previously stated, you do not have to sell all of your payments. How many payments you sell, is up to you.

There should never be any pressure or obligation for you to sell your payments. Your financial decisions are personal and these choices should be left for you and your family to decide.

Once the court has approved the transaction, you will receive your lump sum. Typically the entire process can take anywhere from 60-90 days, depending on which state you live in. Some courts will be quicker than others, and taking into consideration how quickly all the documents are signed and returned can have an impact on the varying lengths of time it takes to conclude a sale of payments.

To get a free, easy, no hassle, no obligation quote now call toll free-

1-866-865-7044

Or get an online quote at www.woodbridgeinvestments.com

If you are the recipient of a structured settlement you don’t have to settle for a small Stimulus check. You can also get a large lump sum of money now for your future payments. Whether you are collecting payments for a personal injury, annuity, lottery, mortgage, or structured settlement, Woodbridge Investments has the experience and expertise to make your dreams a reality.

Use your money any way you want to. Use it to pay for things like:

• A new home
• A new Vehicle
• College Tuition
• Pay off Credit Card Debt
• Remodel or Upgrade an Existing Home

Call for your free appraisal today 866-865-7044 and find out how much your payments are worth.

We guarantee we will beat any legitimate offer!

Simply call toll free 1-866-865-7044 and find out how much more money you are entitled to!

There is no obligation, no pressure, and it only takes a few minutes!

Woodbridge Investments LLC has the talented and knowledgeable staff that can answer any of your questions, and provide you with a quote for all or just some of your payments. Its your money, and we understand that periodic payment schedules can be restrictive. Unexpected bills or living expenses can put a strain of finances, and family matters.

The law protects individuals being restrained by their payments by allowing them to sell structured settlement payments for a lump sum now. Let Woodbridge Investments show you how to take back control of your money and give you the lump sum of cash you need now!

• You can call 1-866-865-7044

• Chat with a live representative

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or

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Just let us know:

• How much are your payments?

• How often do you receive your payments?

• How many payments are left?

That’s it! It’s that simple!

Every day Woodbridge Investments helps individuals and families get back on track by getting them the money they need now. Don’t let your money decide what you are going to, decide what you can do with your money!

There is no need to wait for small periodic payments year after year.

Helping Americans get the most for their future payments now is what we’ve always done better than anyone else.

Contact our structured settlement and annuity experts who have combined years of their experience to bring you unmatched service and solutions to meet and cater to your needs.

Can you think of any reason not to get the most for you money?

You’ve waited long enough!

Contact Woodbridge Investments today to sell your structured settlement or annuity payments and know that you are getting the largest lump sum for your future payments.

You’ll be glad you did!

1-866-865-7044

or get an online quote at http://www.woodbridgeinvestments.com/quote_form.php

For those that demand excellence, unsurpassed quality service, and worry-free peace of mind, there’s no substitute for Woodbridge Investments. Don’t settle for anything less! When you want to sell structured settlement payments Woodbridge is ready with proven expertise and help you can count on when you need it! Why settle for less than you deserve?

Ask yourself, “Can you afford to not get the most money for your payments?”

Avoid disappointment, and get the guarantee that you will receive the largest lump sum offer for your payments!

It won’t cost you anything to find out how much your future payments are worth. You risk nothing!

It’s up to you!

Rather than simply reading about how Woodbridge Investments can help you, take the first and most important step, get your free no obligation quote today! Call toll free 1-866-865-7044

The amount of the lump sum you receive is determined by several factors. Two major deciding factors that will determine the amount of your lump sum are:

1. How many payments you sell
2. Which payments you sell. (These could be some of your first few years, or the payments at the end.)

When you choose to sell structured settlement payments, you can work with a company that will show you how much your payments are worth, and let you know which payments and how many will get you the lump sum you are looking for. Woodbridge Investments is one such company.

You will first need to get a quote. Most companies can provide you with a very accurate figure within just a few minutes, using some very basic information.

You will need to know three things when obtaining a quote to sell structured settlement payments.

1. How much are you payments?
   Example: Do you receive $200, $300, $500, $1000, $10,000
2. How often do you receive your payments?
   Example:Do you receive your payments monthly, quarterly, annually?
3. How many payments do you have left?
   Example: You are receiving monthly payments for a term of 20 years. How many are left, or how many have you received?

These three pieces of vital information are the first step in finding out how what your payments are worth. Your future payments decrease in value as the years pass. Inflation and increased cost of living are not the only culprits. Part of your future payments contain interest that you are being paid for in exchange for agreeing to a structured settlement arrangement.

The insurance companies invest the money they do not have to pay you upfront to pay for their periodic payments to you, and to make money. It is a cash flow business. More and more people everyday are turning to companies that will buy structured settlements. People want to decide how they are going to make their money work the most for them.

To find out how much your payments are worth, get a free no obligation quote today! Get the advantage of knowing what your options are! Get the Woodbridge advantage! Call toll free 1-866-865-7044 or go to http://www.woodbridgeinvestments.com/quote_form.php

Only you can decide if structured settlement payments or getting alump sum is the right choice for you, but getting informed is the first step.