Sell Annuity Payments

Selling your annuity payments can provide immediate financial relief when you need it most. Whether you have unexpected medical bills or want to make a big purchase, receiving a lump sum payment from the sale of your future annuity payments can bring money into your pocket now!

If you’re looking for a reliable company to sell your annuity payments, look no further than Fairfield Funding!

We are an experienced buyers of structured settlement and annuity payments, offering competitive rates and personalized assistance from experienced professionals.

Get cash in as few as 5 Days!

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Why Should I Sell My Annuity Payments to Fairfield Funding?

At Fairfield Funding, we pride ourselves on providing exceptional attention to sellers and competitive pricing for our sellers.

Here are just a few reasons why you should consider working with us:

How it works

How Does Selling My Annuity Work with Fairfield Funding?

At Fairfield Funding, we strive to make the process as simple and straightforward as possible for our clients. Selling a structured settlement requires obtaining a judge’s approval.. Your settlement terms and state laws will determine if you can sell structured settlement payments.


Decide the Amount You Want:

The first step in selling a structured settlement is determining how much money you want to receive upfront.

Before making this decision, you’ll need to consider factors like your current financial situation and any potential tax consequences or implications associated with the sale.  

Some factors you should consider are below:

Make a list of current and anticipated expenses that regular income sources cannot cover.

Estimate the total dollar amount needed to address these expenses.
Determine if selling only a portion of the future payments would suffice or if more drastic measures are necessary.
Once you have determined how much money you want to receive upfront, it’s time to start looking for buyers


Determine if selling makes sense for your financial situation: 

Before deciding to sell, consider why you want or need a lump sum payout instead of receiving periodic payments. Think about whether this is a good decision based on your long-term financial goals.


Contact us at Fairfield Funding: 

Once you’ve decided that selling some or all of your future annuity payments is right for you, reach out to us by phone or through our website. Our experienced team will help guide you through the entire process.


We'll provide an offer: 

After reviewing the details of your annuity contract and understanding what type of future payments are remaining, we’ll give you an offer to purchase some or all of those remaining payments. This amount will be determined by several factors, including interest rates and discount rate calculations, among others.


You review & accept our offer: 

If everything looks good after reviewing our proposal, then sign off on any paperwork required so we can proceed with funding quickly!


We handle the rest: 

Selling some or all of your future income payments can be a big decision, but it may make sense for certain financial situations. At Fairfield Funding, we’re committed to making the process easy and transparent for our sellers so they can put their money where they need it most. 

Selling some or all of your future income payments can be a big decision, but it may make sense for certain financial situations. At Fairfield Funding, we’re committed to making the process easy and transparent for our sellers so they can put their money where they need it most. 


What our customers says

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Bill, NJ

Bill, NJ

"I’ve completed two transactions with Fairfield Funding. Their customer service was second to none and I received my money quickly.”
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Beatrice, VA

“Not only did Fairfield Funding get me my money fast, but Kristin worked with my mortgage company to save my house.”

What is it?

An annuity refers to a contractual agreement established between an individual and an insurance company. This financial arrangement entails the individual either making a one-time lump sum payment or regular periodic payments to the insurer. 

In exchange, the insurance company commits to providing future payments to the individual at designated intervals, typically throughout their retirement years. 

These payments can serve as a structured strategy for securing financial stability during retirement or as a planned inheritance for either the individual or their spouse. 

It is crucial to organize all pertinent documents, including those related to probate, and gain a comprehensive understanding of the implications for your financial situation.

How Does It Work?

An individual purchases an annuity by giving money to the insurance company. The insurer will then invest this money on behalf of the individual to generate returns. 

These returns are paid back to the individual as regular income payments over time according to the terms of their agreement. 

Using an annuity calculator can give consumers a sense of their potential payouts, but always consult with a CPA for exact tax consequences.

The amount of income received from an annuity depends on several factors, such as:

  • The initial investment amount
  • The length of time before receiving payouts
  • The frequency and duration of payout periods
  • Type of annuity purchased


We all understand that Annuity contracts are a great way to secure our future through regular income streams. However, sometimes selling annuities or deciding to sell annuities proves to be beneficial too. 

You might need money immediately due to an emergency, like a sudden illness or real estate opportunity.

When you sell payments to an Annuity buyer like Fairfield Funding, you’ll receive cash now instead of waiting years. Plus, there are no hidden fees when working with us – just straightforward services!

➣  Selling Vs. Withdrawing

When it comes to accessing the funds within your annuity, you might be contemplating the distinctions between selling it and simply making a withdrawal. 

Although each option comes with its own advantages and disadvantages, opting to sell your annuity often grants greater control and flexibility. However, it’s important to factor in penalties and possible tax implications.

Withdrawals: The Basics

When you withdraw from an annuity, you’re essentially taking out a loan against your future payments. Depending on the terms of your contract, there may be penalties for early withdrawals or limits on how much you can take out at once.

Additionally, withdrawing from an annuity early could have income tax implications. If the funds are coming from a qualified retirement account like an IRA or 401(k), you have to pay income tax and any applicable early withdrawal fees.

Selling: The Benefits

In contrast to withdrawing from an annuity, selling your payments involves transferring ownership of some annuity assets, or all of them in exchange for a lump sum payment upfront. This can provide several advantages:

You’ll receive cash immediately instead of having to wait for future payouts.
You won’t have to worry about potential penalties or restrictions on withdrawals.
You may also avoid paying income taxes if structured properly with expert advice (e.g., consult with a tax attorney).

➣ Multiple Sale Options

We offer several options for selling your annuity payments:

1. In Its Entirety

If you want to sell all of your future income payments, this option may be right for you. By doing so, you’ll receive a lump sum payment upfront and no longer have any rights to those future income payments.

2. Portion of Future Payments

If giving up all future payments seems too drastic for your needs or goals, consider a partial sale or selling only a portion of it instead. You’ll need to pay premiums but will have regular income and receive an initial lump sum payment. 

Depending on the terms agreed upon with the purchasing company (also known as factoring companies), these periodic payments will resume after a certain period has passed.


  • You sell three years’ worth of monthly annuity payments;
  • You get an initial lump sum payment;
  • Your monthly annuity income will resume starting year four until the maturity date (the end date when all remaining unpaid amounts are due).

3. Portion of the Dollar Amount

If neither option above fits what you need or want out of selling a structured settlement or other types of future periodic payments, then consider selling just part(s) of each month/year’s payments rather than surrendering everything at once.


  • You sell a portion of each monthly annuity payment;
  • You receive an initial lump sum payment;
  • Your future monthly payments will be reduced by the amount sold.

Before deciding which option to choose, take some time to consider your financial goals and situation. While selling your annuity can provide immediate relief, it’s important to weigh the long-term consequences as well. Consider consulting with a financial advisor or settlement planner for guidance on how best to proceed.

No matter which option works best for you, our team at Fairfield Funding will work with you every step along the way and make sure there are no hidden fees or surprises throughout the process. Sell your annuity payments to us and receive the money you need today.

How Much Cash Can I Get?

This is the very first question a majority of our sellers ask us!

And our answer is the same or all – It depends.

When it comes to selling your annuity, several factors will impact the amount of money you receive. Here are your main “Annuity Sale Factors.”

1. Discount Rates

The discount rate is a percentage used by buyers to determine how much they are willing to pay for an annuity. When you sell your annuity, you won’t receive the total amount it’s worth because the buyer needs to make a profit and cover costs as well. Instead, you’ll agree on a discounted lump sum payment upfront in exchange for giving up future payments.

The discount rate can vary depending on economic conditions and other factors. It’s important to ask potential buyers what their discount rate is so that you can compare offers and choose the best one for your financial situation. Generally speaking, the lower the discount rate offered by a buyer, the more money you’ll receive upfront.

2. Value

In addition to discount rates, other factors affect how much buyers will be willing to pay for your annuity:

Amount of Annuity Payments: The total dollar amount of remaining payments left on your contract affects its value – typically, larger contracts have higher values than smaller ones

Economic Conditions: Current market trends or changes in interest rates could influence any potential offer from an interested buyer

Fees or Charges: If there are any fees associated with maintaining or transferring ownership of an existing policy, these may reduce overall payout amounts

Type of Annuity Contract: Different types of contracts carry different levels of risk, which may also impact pricing estimates provided by prospective buyers

Frequency of Payments: The frequency with which payments are made can impact the overall value of an annuity. Monthly or quarterly payments may have a higher total payout than annual ones.

➣ Differenet Types


Immediate annuities are purchased with a single premium payment, which is then immediately converted into regular income payments that start within one year after purchase. This type of annuity can provide guaranteed income for life or a specific period.


A deferred annuity allows you to accumulate funds on a tax-deferred basis until you decide to receive payouts. These types of annuities come in two forms: fixed and variable.

Fixed Deferred

In this type of deferred annuity, your money earns interest at either a fixed rate or at rates tied to changes in an external index, such as inflation rates. You know exactly how much money you will receive when payouts begin because your contract terms predetermine it.

Variable Deferred

This type of deferred annuity invests your premiums into sub-accounts that act like mutual funds but are only available through insurance companies. Your account value fluctuates based on market performance so there’s no guarantee on payout amounts upon distribution time frame except if added riders were included during the initial setup process.


Funded with pre-tax dollars from employer-sponsored retirement plans like 401(k)s or IRAs;
Subject to required minimum distributions (RMDs) at age 72;
Taxable as ordinary income when distributed.


Funded with after-tax dollars from personal savings accounts or inheritances;
No RMDs, but subject to early withdrawal penalties if you take money out before age 59½;
Distributions are taxed based on the exclusion ratio method.

Documents Required

To successfully sell your annuity, certain documentation must be provided. These typically include:
  • Proof of identity ( e.g., driver’s license or passport)
  • A copy of your original annuity contract
  • A statement from your insurance company detailing current account balances and payout schedules

Timeframe for Completing the Sale

The timeframe for completing the sale of an annuity can vary depending on several factors, such as the complexity of your specific case and whether court approval is required. It could take anyplace from a couple of weeks to multiple months for the sale of an annuity income to be finalized.

Working with Fairfield Funding can help expedite this process and make it smooth!

➣ Why Do People Sell

You never know when you might require a handsome lump sum amount of urgent cash!

Here are some of the most common reasons why people sell annuity contracts:

Financial emergencies: Unexpected expenses like medical bills or home repairs may require you to access funds immediately.

Paying off debt: Selling an annuity can pay off high-interest debts faster, saving you money in the long run.

Funding education: If you or a family member needs financial assistance for college tuition or vocational training, selling your annuity could provide the necessary funds.

Investment opportunities: In some cases, individuals may feel they could earn more money by investing their lump sum payout from selling their annuity elsewhere instead of waiting for periodic payments from the annuity.

Immediate Need for Cash Flow: Sometimes unexpected expenses arise, such as medical bills or home repairs, that require immediate cash flow. In these situations, selling an annuity can provide the necessary funds to cover those expenses without having to take out personal loans with high-interest rates.

➣ Pros and Cons

If you have an annuity, you may be considering selling it for a lump sum payout. While this can provide immediate financial relief, there are both pros and cons to consider before making the decision.


Instant Cash: Instead of waiting years, you’ll receive your money within weeks or months. This can help alleviate any financial stress or emergencies that may arise.

Potentially earn or save more money in the long run: By paying off high-interest debt with your lump sum payment, you could potentially save thousands in interest payments over time. Alternatively, investing your funds wisely could lead to higher returns than what your annuity would have provided.

Purchase big-ticket items: With a large sum of cash at hand, you may finally be able to make a significant purchase, like buying a new home or car, without taking on additional debt.

Educational expenses: You can use the funds from selling your annuity to pay for education expenses either for yourself or someone else’s tuition fees, such as children’s college fund, etc.


You do not receive the total value of your annuity: The amount received will always be less than what is owed because companies buy future payments at discounted rates. Hence, they make their profit back over time through these discounted rates rather than upfront costs, which leads them to profits eventually.

Reduces your long-term financial security: If you sell the entire annuity contract for a lump sum payout, then it reduces your long-term financial security and stability, as this was an investment that could have provided regular income over time.

Poor Financial Decisions: If you do not use the funds wisely or make poor investments with them, you may end up worse off financially than before selling the annuity.

Selling an annuity can provide immediate cash relief but comes at the cost of reduced long-term financial security. It’s important to weigh both pros and cons carefully before making any decisions about selling your structured settlements or other types of annuities.

Don’t hesitate to consult with an independent professional advisor, who will guide you through the annuity selling process but also give you the best suggestions in your interest!

To learn more about how Fairfield Funding can assist in purchasing your structured settlement payments or other annuity payments, give us a quick call at 855-815-1711

Protect Yourself!

Selling your annuity can be a complex process, and it’s essential to protect yourself from potential scams or unscrupulous annuity buyers. Here are some steps you can take to ensure that you’re making the right decision and working with a reputable company like Fairfield Funding!

➲ Research Potential Buyers Thoroughly

Before choosing a buyer for your annuity, it’s crucial to conduct thorough research on each potential candidate.

➼ Start by checking their online presence, including their website and social media profiles.

➼ Examine feedback from individuals who have previously sold their annuities through the buyer to gain an understanding of the quality of service they offer.

➼ You may also want to consult organizations such as the Better Business Bureau (BBB), which provides ratings based on customer complaints and business practices.

➲ Verify Credentials and Licenses

In several states in America, companies buying structured settlements or annuities must hold appropriate licenses issued by state regulatory authorities.

To verify whether a prospective buyer has these necessary credentials, contact your state’s Department of Insurance or a similar agency responsible for regulating financial transactions involving insurance products.

If possible, request copies of any relevant licenses before proceeding with the sale. Ensuring that you’re dealing with a trustworthy entity and not becoming prey to possible deceptions or unlawful activities is essential.

➲ Seek Professional Advice Before Making a Decision

Consider speaking with:

A financial advisor: They can assess whether selling annuity payments aligns with your long-term financial goals and offer alternative options if necessary.

An attorney: A lawyer experienced in structured settlements or annuities can review any contracts before signing them, ensuring that they protect your interests adequately.

A tax professional: When you sell annuity payments, consulting a tax expert will help you understand the tax implications accordingly.

Taking these precautions when selling your annuity will help safeguard against potential risks while ensuring that you receive the best possible outcome for this significant transaction.

Remember always to prioritize transparency, professionalism, and due diligence when choosing a buyer for your monthly annuity.


How long does it take to receive a quote?

We provide a free quote within minutes once we check your information. You can either call us directly or fill out a contact form on our website.

What are the Benefits of Owning an Annuities Contract?

An annuity contract is often used as part of retirement planning to ensure financial security during your golden years. Benefits of owning an annuity contract include tax-free payments, not subject to federal income taxes until you’ve received back all the money, a predictable income stream, and diversification benefits since they aren’t tied to market fluctuations like stocks and bonds are. They provide stability in times when markets may be volatile, which can help protect against significant losses due to market downturns.

Can all annuities be sold?

Some annuities cannot be sold.b These include 401(k) distributions, child support payments, disability payments, employer’s compensation payments, and pensions.

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