Selling Your Annuity Payments for A Lump Sum

Selling your annuity payments for cash can give you access to the money you need to reach your goals. Rising Capital helps annuitants like you obtain a lump sum that can be used to purchase a home, start a business, or fund your retirement. Rising Capital will assist you throughout the process and will cover 100% of the costs associated with your transfer.

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  • 2. Connect with an account executive
  • 3. Verify your payments
  • 4. Get quoted

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What Are Annuities?

An annuity is a financial contract written by an insurance company that provides payments to a recipient over a pre-determined period of time.

Annuities can vary in length and complexity, however, Rising Capital can purchase various types of annuities, and can likely help you sell your annuity in exchange for a lump sum. If you have an annuity that no longer fits your financial needs, get in touch with Rising Capital to determine what we can do to help you get in control of your money – now.

Selling your annuity payments exchanges the future value of an inflexible fixed asset with a present cash lump sum paid in full to the annuitant at the time of approval. For immediate assistance or for more information on selling annuity payments for cash, call Rising Capital today at (866) 444-5061.

Types of Annuities

There are many different types of annuities. The type of annuity that you have often determines how much you’re paid, for how long you receive payments, and your eligibility to be able to exchange the annuity. Different annuities include different provisions or riders that may impact your ability to sell the annuity. If you own a non-qualified annuity and are staggered by the cash surrender fees your insurance company charges, contact Rising Capital to see how we can get you more money.

Immediate Annuities

Immediate Annuities Benefits begin within one year of the policy being purchased.

Deferred Annuities

Deferred Annuities Payments begin paying out funds at some future date.

Fixed Annuities

When you purchase a fixed annuity, the insurance company invests your funds and provides you with a specific guaranteed return (i.e. you can select a lump sum or periodic payments).

Variable Annuities

When purchasing a variable annuity, you generally get to decide how the money is invested by choosing from a list of funds. The returns will vary based on the performance of the investments.

Qualified Annuities

Annuities that are funded with either pre-tax dollars or tax-deductible contributions.  If your annuity was paid for through pre-tax salary deductions or with employer contributions, it is unlikely we will be able to purchase this annuity and provide you with a lump sum of cash.

Non-Qualified Annuities

Annuities that are funded with after-tax dollars. This type of annuity can be purchased by individuals for a variety of reasons and is sometimes purchased with immediate funds received from the resolution of a personal injury claim.  If you purchased the annuity with your own after-tax dollars or after resolving a personal injury claim, it is likely we can purchase this annuity and provide you with a lump sum of cash.

Structured Settlement Annuities

Structured settlement annuities are purchased when a claimant agrees to resolve a personal injury or wrongful death lawsuit by receiving all or part of a settlement in the form of periodic payments on a pre-determined schedule, rather than as a lump sum. Once a structured settlement annuity is purchased, the insurance company that issues it is contractually bound to adhere to the original payment schedule. While they cannot help you access the value of your future payments, Rising Capital can.

How To Sell Your Annuity Payments

Rising Capital has decades of experience helping people exchange their annuities. Through our experience and in-depth knowledge of the industry, we’ve developed a streamlined process to exchange annuity payments that ensures you always get the most.

1. Call Rising Capital

When you call Rising Capital, you’ll be connected to your dedicated account executive who can explain the court order process and provide you with real options.

2. Get A Free Evaluation

After discussing your situation and goals, your account executive will put together a custom quote for you with options to meet your needs.

3. Accept Your Quote

Once you’ve received your quote and have decided to accept it, you will receive a contract that provides details about your transfer.

4. Rising Capital Covers Fees

Rising Capital has no hidden fees and covers all costs associated with your transaction from beginning to end.

5. The Process

If you own your annuity, we will work with your policy’s issuer to complete the change of ownership, payee, and beneficiary elections needed to complete your sale.

6. Get Paid

Once the policy’s issuer has confirmed the policy information has been updated, we will typically have funds to you within two business days.

Frequently Asked Questions

Have questions about exchanging your annuity for a lump sum of cash? View the answers to some of our most frequently asked questions below.

How do annuities work?

Many annuities have two phases.

The Accumulation Phase: During the accumulation phase, payments are made towards various investments that are meant to increase the overall value of the annuity.

The Payout Phase: During the payout phase, you begin to receive scheduled payments based on the amount of money that has accumulated.

Can I sell my annuity?

Most people can sell their annuity for a lump sum of cash. If your current payment schedule isn’t fitting your financial needs or you’d like to have full access to your money for a large investment, contact us to see if we can get you the lump sum you want.

If I received my annuity through an inheritance, can I still sell it?

The answer depends on how the annuity was originally funded.  If the annuity was purchased with after-tax dollars (not pre-tax employer or employee contributions), give us a call to find out if we can give you the money you need.

Why should I sell my annuity?

Everyone who considers selling their annuity payments has different reasons for doing so. Some of the most common are paying off debt, covering medical expenses, purchasing / paying off a home, making a large investment, or starting a business.

Do I have to sell my entire annuity?

No! You can choose to sell a period of your payments (Sell 5 years worth of a 10-year plan), sell a portion of your payments (Sell $200 of each monthly $1,000 payment), or sell all of your payments. How much of your annuity payment stream you should sell depends completely on your needs and what is in your best interest. Give Rising Capital a call and we can explain your options and help you determine your next steps.

How long will it take to receive a lump sum from my annuity?

Depending on the provisions and riders of the annuity you own, you may be able to complete your sale and receive a lump sum from us in less than two weeks.

What if my annuity contract has a “No Surrender” clause or a “Surrender Fee”?

No Surrender Clauses and Surrender Fees are provisions contained within some annuities that limit your ability to alter the schedule under which you receive annuity payments.  Even if your annuity has these provisions, please contact us if you are trying to exchange your future payments for a lump sum today.  While the policy’s issuer may not be able to provide you with a lump sum, it’s possible we can.

How much will Rising Capital give me for my annuity?

The amount of the lump sum you’ll receive in exchange for your annuity payments depends on three main factors :

1. The total amount of the payments you wish to exchange. (The total dollar amount you wish to exchange or the number of payments you wish to exchange.)
2. When these payments are scheduled to be paid out. (This can be as soon as a month away or as far as years away.)
3. The structure of the payout schedule. ( This can be via a monthly check, lump sums paid over a period of time, or a combination of the two.)

How do I get a quote?

To obtain a quote to sell your annuity, you can call Rising Capital at (866) 444-5061 to speak with an account executive or fill out our online quote form here.

Have additional questions about the sale of your annuity?

Have additional questions related to the sale of your annuity? We can help. Give us a call at (866) 444-5061 to speak to an account executive or fill out our online inquiry form here.

How Rising Capital Can Help

Instead of waiting endlessly for future payments to deal with current needs, you can sell your rights to these payments and receive a lump sum now. At Rising Capital, our team will work diligently with you and the court system to grant you access to immediate cash in the form of a lump sum. Exchanging your annuity for a lump sum of cash can give you the freedom to purchase a new home, start a business, or fund your retirement. Don’t let a lack of cash hold you back from living your life!

Regardless of your financial goals, Rising Capital is here to help you achieve them by purchasing your settlement or annuity for top dollar. Call today to learn more about our purchasing process and how we can help you.

Ready To Get Your Quote?

Rising Capital is here to help you get cash now for your structured settlement or annuity payments. We’ve helped thousands of people get access to the money they’re entitled to and we’re ready to help you, too.

Getting a quote for the exchange of your structured settlement or annuity is the first step towards you taking control of your finances and your future.

Your Quote Is Only A Few Steps Away…

  • 1. Fill out this form
  • 2. Connect with an account executive
  • 3. Verify your payments
  • 4. Get quoted

Get your quote in minutes

Fill out the form below to get your free, no-obligation quote from Rising Capital