When you got your structured settlement, receiving regular payments may have seemed like a good deal. You would have a stable source of income to help you pay your bills, and you’d always know when the next check would come. But what if your situation changed and you need more money now?

No one understands your financial situation better than you do. At J.G. Wentworth, we’ve helped people get the lump sum of cash they need to pay for a variety of things, including:

  • Paying off costly high-interest debt
  • Covering medical expenses
  • As a down payment on a home
  • Money to start or grow their business


You have dreams and goals, and the money you receive from your structured settlement could help you achieve them, but your normal payments won’t get you the money when you need it.

You have a structured settlement, but you need cash now.

That sounds like something we might be able to help you with.

How Much Can I Get?

How much you can get depends on the terms of your structured settlement and which payments you choose to sell. One thing that’s important to remember is that the value of a dollar today is usually worth more than a dollar in the future, so the worth of your future payments will not be their “face value.”

You Don’t Have To Sell All Your Structured Settlement Payments

While you can choose to sell all your structured settlement payments to get the largest lump sum you can, most of the people we work with find that they only need to sell some of their future payments to get the cash they want. Each sale is unique, and there are three different ways for you to get a lump sum:

Sell a Limited Number of Payments

When you sell a limited number of payments, J.G. Wentworth buys all of your payments between a set period of time. You receive your lump sum of cash and continue to receive any payments you did not sell. When one of the payments we purchased is due, that full payment is sent to J.G. Wentworth.

Sell A Portion of Every Payment

This is a popular option because you get your lump sum without giving up the security of regular payments. If you choose to sell a portion of your payments, you get your lump sum in addition to receiving your regular payments. J.G Wentworth will receive a check from the insurance company that issues your structured settlement, and you will receive the remainder.

Sell All Your Structured Settlement Payments

You can sell all of your future structured settlement payments for a cash lump sum. You’ll get a large amount of cash up front, but you won’t get any regular payments in the future.

Selling Payments Is An Important Decision

Before making the decision to sell your structured settlement payments, it’s important to think about how this will impact your finances. Right now, your budget may be based on receiving regular payments from your structured settlement. After you sell your payments to J.G. Wentworth for a lump sum, these payments may be reduced or gone altogether, so it’s important to plan accordingly.

The J.G. Wentworth Process

After you fill out the online form or call our toll-free number, you’ll speak with a J.G. Wentworth representative. The representative will ask about your structured settlement and how much you’re looking to receive as a lump sum. Using this information, they’ll offer options to get you that cash.

There is no obligation to accept any offer if you decide you would prefer to keep your payments. This is a major decision, which is why we’ll always give you a free quote, no strings attached. In addition to offering you a competitive price for your future payments, there are two big advantages for choosing to work with J.G. Wentworth.

We Streamline The Process

Selling your structured settlement payments usually requires a lot of paperwork, which is one area our more than 25 years of experience comes in handy. We’ll let you know everything we need from you to complete the sale. If you don’t have the required information about your structured settlement that is needed to complete the transaction, we’ll walk you through how to get it and help however we can. Learn more about our entire sales process, or give one of our representatives a call today!

We Are A Direct Funder

J.G. Wentworth is a direct funder. This means that if we make you an offer for your structured settlement payments, we already have the money we need for your lump sum if you accept. Once your transaction is approved, you can have your money in as little as three business days.