Best Structured Settlement Companies 2023

Structured Settlement

1. District Settlement Finance

District Settlement Finance provides white-glove service from an experienced team. The company can sell your structured settlement, annuities, and lottery, casino and sweepstakes winnings. District Settlement Finance is a smaller firm that can offer personal service, often with a higher payout.

District Settlement Finance Review

Structured settlements provide regular payments over many years, but life circumstances can arise where one generous payout is helpful or necessary. District Settlement Finance is a structured settlement company helping clients turn future payments into funds to pay for today’s expenses. You can pay for medical bills, bankroll home modifications, or use the proceeds to buy a new home or investments.

The experienced professionals at District Settlement Finance understand the risks and benefits of selling an annuity, a structured settlement or future lottery payments. District Settlement Finance tailors each solution depending on the client’s situation. You’ll find the representatives take time to understand your story to help you focus on your financial goals.


Small firm with personal service
Experts can work with any type of annuity
Converts lottery, casino and sweepstakes winnings to cash distributions


Website could be more informative


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2. Fairfield Funding

Fairfield Funding is a structured settlement company known for customer service and professional expertise. The company boasts not having to run advertisements due to the number of referrals received from satisfied clients.

Fairfield Funding Review

Founded in 2009, Fairfield Funding is a structured settlement company based in Atlanta, Georgia. The company exclusively buys structured settlement annuities, lottery payments and you can sell annuities to the company. Fairfield Funding will purchase all remaining settlement payments or only a portion, depending on how much cash you need now and whether you need a reliable income stream in the future.


Strong customer service
No hidden fees
Small organization with personalized service
100% guarantee with free estimates


Their website can be difficult to navigate

3. J.G. Wentworth

A structured settlement provides a reliable income stream in retirement. However, life’s expenses can be unpredictable, and you may find yourself needing cash now. Selling all or part of your structured settlement or another annuity can help you cover emergency expenses. J.G. Wentworth purchases structured settlements and other annuities.
Headquartered in Radnor, Pennsylvania, J.G. Wentworth is a structured settlement company founded in 1991, becoming a household name with well-known television commercials offering “cash now” in exchange for structured settlements and other annuities. The company grew to be the largest U.S. purchaser of future payments from structured settlements, with about 5,000 transactions each year and more than $9.1 billion in total payments purchased.

Highly rated customer service representatives
Three options for selling your settlement
Online chat on their website
Free, no-obligation quote


Speed of payment

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4. Stone Street Capital

If you are the recipient of a structured settlement resulting from a lawsuit, lottery, or another annuity, you likely receive monthly payments which may continue for several years. If you find yourself in need of a substantial sum of cash instead of these smaller monthly payments, structured settlement companies can buy your settlement, typically for a lump sum, so you have funds to cover current expenses. Stone Street Capital offers several financial products, including structured settlement buyouts.

Stone Street Capital Structured Settlements Review

Stone Street Capital is a Maryland-based limited-liability company founded in 1989. Stone Street purchases annuities, lottery and gaming winnings, and structured settlements in exchange for a lump sum payment.


Well-established company
Convenient communication methods with clients
One-on-one consultations


Commission-based sales
Discount rate up to 20%

5. Peachtree Financial

Peachtree Financial Solutions buys structured settlement payments and other annuities from consumers and provides funding for legal settlements. Peachtree Financial representatives operate under the Peachtree Promise to customers: listen and learn the customer’s unique situation, use plain language to discuss your structured settlement buyout options, and never force the customer to make rushed decisions.

Peachtree Financial Solutions Structured Settlements Review

Peachtree Financial Solutions is one of the largest structured settlement companies in an industry that reached $1 billion in revenue in 2019. The company is a top pick in our Best Structured Settlement Companies Guide because the website thoroughly explains the process of selling your settlement to the company.
Beyond structured settlements, the company also buys payments from annuities and lottery winnings. Peachtree Financial’s most common buyouts are personal injury, medical malpractice, and wrongful death settlements.

Each client gets a dedicated representative
The Peachtree Promise enhances customer service
Pays via check or direct deposit


Up to six months between initiating a contract and receiving the payment

Structured Settlement Buyer

A structured settlement is a legal settlement resulting in tax-free payments from an annuity to the plaintiff over time. If you find yourself the recipient of a structured settlement and you prefer a lump-sum payment, a structured settlement company can buy out all or part of the contract and give you cash up front. You will pay a fee for this service, so you’ll have to weigh whether the cost of selling all or a part of your settlement balances your need for one large payment.
While a structured settlement can be ideal for ongoing income, there are times a lump-sum payment is preferable, often to pay medical or other bills, or to make home modifications to age in place or adjust to a chronic condition. Those who invest in stocks, gold IRAs and other financial instruments often use a structured settlement company to swap out the fixed-income annuity the settlements are held in for a higher return on investment.
Meet with a legal or financial professional before selling a structured settlement to understand tax and other implications. You need to know if any other entity could have legal access to funds from the sale. For example, an insurance company that paid benefits for medical treatments for injuries resulting in a medical or personal injury structured settlement could seek reimbursement from a lump sum payout.

How to Choose a Structured Settlement Company

Take time to look into your options and don’t be lured into immediately signing up with a structured settlement company offering payment in a week or two. It’s usually better to work with a company that will pay you more for your settlement in three months than one that will pay significantly less much sooner.

1. Customer Service
The structured settlement sale process is complicated. It’s essential to find a structured settlement company with reliable customer service providing complete information in a format you understand. Consider the following to determine the level of customer service:

2. Denial Rate
A judge will deny a proposed structured settlement sale if the circumstances do not result in a deal that’s in your best interest. A structured settlement company’s denial rate is the percentage, or the total number of proposed settlement purchases declined by a judge. If the company doesn’t publish this information or provide it when you ask, walk away.

3. Total Dollars Purchased
The total dollars purchased is the entire value of structured settlements a company has acquired. The higher the number, the more buyouts have been approved by judges. The value of total dollars purchased is a reliable indicator that the structured settlement company will be a good option for getting quotes.

Structured Settlement Companies

1) Pacific Life
2) Prudential Financial
3) Mutual of Omaha
4) USB Financial
5) AIG
6) Metlife
7) Allstate
8) Liberty Mutual
9) Symetra
10) New York Life

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