Amount you will receive

Main factors that determine the amount of money you will receive in exchange for your structured settlement payments.

  1.  How much are you willing or able to sell?
    1. The amount you are willing or able to sell is a factor because the larger the payment you have to sell, the more money you can anticipate receiving. For example, if you are selling $300.00 a month, you will receive less money than someone that can sell $1,000.00 a month.
  2. Future dates of your payments.
    1. Any payment coming sooner will be worth more than a payment coming later. All present payments are worth more than future payments because of inflation and the time value of money.
    2. For example, a payment coming due in 2020 will be worth a lot more than a payment due in 2035.
  3. The discount rate applied to your transaction
    1. The discount rates applied to these transactions can range anywhere from 6.0% to 25% depending on several factors.
  4. Who the insurance company paying your annuity is.
    1. If your insurance company is a large well-rated company with no financial concerns, the payments they issue are worth more than let’s say a lower rated insurance company with a higher potential to have financial problems in the future.

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