Structured Settlements 4Real®Blog 2026

It’s never to early to clear out the "lint trap".

Patriot Settlement Resources says  Annuity Settlements can be Sold when in Need

"If you receive payments for annuity settlements of any nature, such as structured settlements which are paid as compensation for injury, you might find it particularly frustrating that the money comes in extremely small doses. This is totally unhelpful when you are in desperate need of a lump sum, whether for sudden hospital expenses, or a business opportunity which won’t hang around forever. Selling any annuity settlements which you may have could provide the resources you need."

Structured Settlements 4Real Comments:

1. Just because a tort victim has elected to receive a structured settlement it  DOES NOT mean that the annuity payments come in extremely small doses. Tort victims should come to recognize these words as an act of predation indigenous to the savannahs of the structured settlement factoring industry.
3. 2. It is unlikely that you would need to liquidate your structured settlement or other annuity for sudden hospital expenses unless (i) you don’t have health insurance (ii) you have not filed for public assistance. Recognize that a lump sum together with your other assets totaling more than $2,000** may have a negative impact on your eligibility for Medicaid.

3. If you have a business opportunity then it is prudent to have a business plan, not fly by the seat of your pants. If you have a viable business plan you just may be able to obtain a loan from a bank at more favorable terms than selling the rights to your structured settlement at a discount, to Patriot Settlements. Given the effective discount rates charged by some, a structured settlement factoring transaction is a last resort financing mechanism.  Even if you must resort to selling the rights to receive your structured settlement payments the judge who must approve the structured settlement transfer will need to see.

4. Tort victims should seek independent financial advice and explore all options before deciding to do business with Patriot Settlement Resources.

Patriot Settlement Resources says   It is not Illegal to Sell Annuity Settlements

Contrary to popular belief, it is not illegal to sell your future annuity payments, provided that this is not expressly forbidden in the wording of your agreement contract. Seniors who have life policies in particular should consider selling – life policies are vital when you are younger if you have children who are not yet old enough to support themselves, but when you and they are older, if something should happen to you, your grown kids should be able to take care of themselves.

Structured Settlements 4Real comments

1. If you do decide to sell, what you sell will not be your future annuity payments, it will be the sale (or transfer) of the rights to those payments.
2. It is not illegal to sell (factor) structured settlements, but certain rules must be followed.
3. Just remember that the individual who is trying to convince you to sell your payments to them probably may not have an active insurance license in your state.
4. Define "agreement contract"
5. While it is possible that creation of a life insurance policy or disposition of a life insurance policy could be part of the settlement planning or post settlement planning process. The sale of an interest in a life insurance policy IS NOT a structured settlement. Is Patriot Settlement Resources that frickin’ clueless?
6. The sale of an interest in a life insurance policy is a process that has both emotional and financial considerations. It is NOT just the matter of whether you are older and you kids can fend for themselves. There are many reasons to keep a life insurance policy after the kids are grown. Just some examples are the need for estate liquidity, the desire to equalize inheritances between children who go into the "family business" and those that don’t, charitable bequests. Bear in mind that your relaization that you have made a bad move in this area may come at a time when you are less insurable or even uninsurable. Software programs are available to assist people in their evaluation and decision making. This author has such software to crunch the numbers on life settlement proposals to determine whether they make sense in a particular situation.
7. Heed the words of the Kenny Rogers classic  "you’ve got to know when to hold them and know when to fold ’em, know when to walk away, know when to run" Kenny Rogers "The Gambler" with The Muppets.

** state by state limits vary