What Is A Structured Settlement?

Structured settlements are often used to resolve personal injury claims and lawsuits.

They provide settling claimants with periodic payments on a pre-determined payment schedule.  These fixed payment schedules are designed to offer tax-free payments and financial predictability to the settling claimant.

However, many structured settlement recipients find these fixed payment schedules to be too rigid and constricting. Receiving only a portion of your settlement each month isn’t helpful if you’re trying to make life-changing financial decisions, such as starting a business, buying a new home, or funding your retirement.

If you’re receiving a structured settlement as the result of a personal injury or wrongful death lawsuit and you find that your current payments aren’t large enough to address the financial situation you’re in, it may be time to sell your payment rights. Rising Capital can help you obtain a lump sum of cash that you can control and manage on your own to ultimately improve your quality of life.

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Do I Have A Structured Settlement?

Structured Settlements are a very common payment stream for settling medical malpractice, personal injury, and wrongful death suits; However, many people who receive periodic payments may not realize that they have a structured settlement.

Medical Malpractice Settlements

Structured Settlements can be obtained when resolving a claim or lawsuit against a medical provider. This is particularly common when injuries sustained as a result of the medical malpractice require long-term treatment and care.

Personal Injury Settlements

Personal injury lawsuits generally involve compensation relating to the cost of medical bills, emotional trauma, or similar expenses. Accepting payments over a certain period of time (Structured Settlement) is common.

Wrongful Death Settlements

In the event that someone is tragically and wrongfully killed due to the fault of another person, the guilty party or the involved insurance agency may be required to pay compensation to the victim’s family.

If You Receive Periodic Payments

While the previously mentioned instances are not the only lawsuits that can result in a structured settlement, they are the most common. If you receive regular periodic payments as the result of a lawsuit, you may have a structured settlement.

Why Should I Sell My Structured Settlement?

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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.

The stress that came with the claim or injury that led to your structured settlement was probably enough to last you a lifetime. We’re dedicated to ensuring your exchange is easy and something you can be excited about.

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.

When we buy structured settlement payment rights, we can buy payments that start now, a couple of years from now, or many years down the road. We can also buy your entire settlement or a small portion of the settlement. This means you can find the perfect solution to your need for cash while remaining prudent about your long term financial well-being.

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How To Sell Your Structured Settlement Payments

The Rising Capital team has decades of experience helping annuitants exchange their structured settlement payments. Through our experience and in-depth knowledge of the industry, we’ve developed a streamlined process to exchange structured settlements that ensures you always get the most for your payments.

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

After you sign a contract agreeing to the transfer, Rising Capital will pay all expenses associated with the transfer. There are absolutely no out-of-pocket costs to you.

5. Get Court Approval

On the day of your court hearing, a judge will review your transfer to make sure this exchange of your payments is in your best interest.

6. Get Paid

Once the transfer has been approved, we typically have the funds to you within two business days of receiving a copy of the Court Order Approval.

Frequently Asked Questions

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

How do structured settlements work?

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.

Can I sell my structured settlement?

Most people can sell their rights to receive a structured settlement 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.

Why should I sell my structured settlement payments?

Everyone who considers selling their structured settlement 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 structured settlement payment stream?

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 structured settlement 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.

Will I need to appear in court?

All structured settlement transfers require court approval and the majority of jurisdictions will require you to appear in court. This is for your protection and to make sure you understand all the details of the sale. At the time of your court date, the judge will also ensure the transfer is in your best interest.

If you are selling a different type of annuity in exchange for a lump sum, it’s possible you will not need to appear in court.

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

Rising Capital understands it’s your money – and you need it now.  That’s why people who do business with us usually receive their lump sum within just two business days of our receiving a Qualified Court Order signed by the judge.

I have sold part of my structured settlement payment stream before. Can you still help me?

Absolutely! Rising Capital Associates has a team of representatives dedicated to serving customers who have previously done business with us or other structured settlement purchasing companies. Rising Capital is happy to help you with your next transfer. We are 100% dedicating to making sure the purchasing process goes smoothly and you’re able to receive the largest lump sum possible.

How much will Rising Capital give me for my structured settlement payments?

The amount of the lump sum you’ll receive in exchange for your structured settlement 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.)

What Expenses Will I Have To Pay To Sell My Structured Settlement?

NONE! Rising Capital Associates has no hidden fees and covers all costs associated with your transaction from beginning to end.

How do I get a quote?

To obtain a quote to sell your structured settlement, 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?

Have additional questions related to the sale of your structured settlement? 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.

Ready To Get Your Quote?

Rising Capital is here to help you get cash now for your structured settlement 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 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

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