Pros and Cons

The Pros and Cons of Selling Structured Settlement Payments

There are many reasons someone would consider selling their structured settlement payments. It can range from needing a lump sum for an emergency or wanting to invest the cash.

Whatever the reason, there are many pros and cons to consider when making your decision whether or not to sell.


  1. You won’t receive the full value of your payments and will lose some money compared to keeping the payments for the life of the settlement.

    One big thing to understand is we can only offer the present market value of your payments.  We are not basing an offer on the aggregate of your payments. Offers are based on what your future payments are worth today. If you have any questions about this, please contact your Fairfield representative.
  2. A purchasing company has thousands of dollars in costs to complete a transfer.

    The purchasing company has to pay a notary, a local attorney and often times, the insurance company.  Those costs will likely be passed on to you in one form or another.
  3. Transfers can take anywhere between 20 to 45 days (sometimes longer) to complete.

    We understand that 20 to 45 days is a very long time to wait when you have a financial emergency.  We often see customers who wait until they are in urgent need of the money quickly, which puts them in a stressful position.

It’s best to set realistic expectations ahead of time because there are mandatory waiting periods that cannot be rushed or avoided.



  1. Receive a large lump sum of cash now.

    The great news is that you don’t have to wait years and years to receive your payments.  Having the cash in hand is life changing.
  2. You are in control of how the money gets used.

    Once you have the lump sum of money you can make investments, put money into savings, pay off debt, make a large purchase, etc.  Having control of your money when you need it and for what you need it for is very freeing for customers.
  3. You are not dependent on an insurance company for your money.

    You don’t have to worry about the stability of the company, clerical errors resulting in delayed or missed payments, or dealing with another customer service representative. That insurance company can be erased from your life!

These are just a few of the pros and cons of selling your structured settlement payment rights. There may be other benefits or drawbacks which are unique to your specific situation. Ultimately the decision is up to you.

If you decided to move forward with selling your structured settlement, we would love the opportunity to serve you. Please complete the quote form below and one of our expert representatives will contact you shortly.

Get cash in as few as 5 Days!

Quick Links

Let us help you get started.

Get your free quote today.