Structured settlements and annuity payments provide a dependable way for claimants to receive regular, tax-free income following legal settlements. However, many individuals may want to convert their future payments into a lump sum to meet immediate financial needs. This is where structured settlement companies and annuity buyers come into play, offering options to sell or transfer those payments for cash today.
In 2025, understanding the best structured settlement companies and annuity buyers ensures that consumers receive fair offers from credible, financially strong companies. This comprehensive guide explores the top buyers, what to look for, and trusted resources to help sellers make safe and informed decisions.
What Are Structured Settlement Companies and Annuity Buyers?
Structured settlement companies typically purchase future periodic payments originating from legal settlements or annuities. These companies, also known as annuity buyers or factoring companies, offer lump sum payments in exchange for the rights to future payments. This financial solution serves individuals who need immediate cash rather than waiting months or years for scheduled payments.
How It Works:
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The structured settlement or annuity owner requests a quote from a buyer.
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The buyer evaluates the payment schedule, court approval requirements, and offer value.
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Once an agreement is reached and court approval is obtained, the buyer pays the lump sum.
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The buyer then receives the future payments as scheduled.
Why Choose a Reputable Structured Settlement Buyer?
Because selling structured settlement payments involves legal contracts and court approvals, working with highly reputable and licensed companies is critical. The best buyers provide:
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Transparent, competitive cash offers.
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Licensed and state-regulated transactions.
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Efficient processing with timely court approval facilitation.
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Personalized customer service with dedicated case managers.
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No pressure or hidden fees.
Leading Structured Settlement Companies and Annuity Buyers of 2025
Here is a list of the best and most trusted structured settlement companies and annuity buyers based on customer reviews, financial stability, industry experience, and transparency.
1. National Settlement
With over 50 years of combined industry experience, National Settlement offers fast, transparent service with competitive payouts. Their experts provide free, no-obligation quotes tailored to meet unique client financial needs, ensuring stress-free cash access.
2. CBC Settlement Funding
Founded in 2009 and headquartered in Pennsylvania, CBC Settlement Funding has a stellar reputation for customer service and competitive offers. They give personalized attention by assigning dedicated representatives throughout the sales process. CBC also offers pre-settlement funding options.
3. DRB Capital
DRB Capital, based in Florida, provides quick, no-obligation quotes and dedicated customer support. Their flexible payout options and transparent processes make them a preferred choice for many sellers.
4. Fairfield Funding
This Atlanta-based company has specialists with over 25 years of combined experience. Fairfield Funding offers expert assistance in purchasing structured settlements to help sellers access cash promptly.
5. Oasis Legal Finance
Oasis Legal, headquartered in Illinois since 2002, offers pre-settlement funding and purchases structured settlement and annuity payments. They provide case managers that guide sellers through each step carefully.
6. Novation Settlement Solutions
Novation, founded in 2000 in Florida, emphasizes providing quick decisions and allowing offers by phone or email, streamlining the selling process.
7. Liberty Settlement Funding
Established in 2015 in Florida, Liberty offers structured settlement, lottery payout, and annuity buyouts, providing versatile services to sellers.
8. Stone Street Capital
Founded in 1989 in Maryland, Stone Street Capital offers quick cash advances after court approval with free quotes to help sellers evaluate options.
9. RSL Funding
Based in Texas, RSL Funding guarantees “Most Cash” on offers and has paid over $200 million in lump sums nationwide. They offer referral bonuses to incentivize clients.
10. WePayMoreFunding
A Georgia-based company with 30 years of experience, WePayMoreFunding specializes in annuities, structured settlements, and lottery winnings, with transparent communication and 45-90 day funding schedules.
Key Factors to Consider When Choosing a Buyer
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Licensing and Regulation: Ensure the company is licensed in your state for approval of structured settlement sales.
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Financial Strength and Reputation: Research ratings and reviews to avoid scams and ensure reliability.
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Offer Competitiveness: Compare multiple quotes to maximize cash received.
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Transparency: Look for clear terms, fees, and court approval timelines.
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Customer Service: Choose buyers who assign dedicated representatives to your case.
Trusted Business Listing for 2025
For the latest and verified list of licensed structured settlement companies and annuity buyers, refer to the 4Structures Structured Settlement Annuity Companies directory. This authoritative resource provides detailed company profiles, financial ratings, licensing information, fee structures, and minimum purchase amounts, helping sellers make safe and informed decisions in 2025.
Conclusion
Converting structured settlement payments into lump sums broadens financial flexibility but requires working with trustworthy, licensed buyers. The best structured settlement companies and annuity buyers in 2025, including National Settlement, CBC Settlement Funding, and DRB Capital, offer transparent, expert service combined with fair cash offers.
Before selling payments, individuals should conduct due diligence using trusted listings such as the 4Structures Structured Settlement Company directory, compare offers, and work with experienced legal and financial advisors to ensure the best outcomes.
