Structured Settlements and Annuities 

Many Individuals holding certain types of assets, such as, Structured Settlements, Cash Prizes, Lottery Winnings and other annuities, have a strong preference for, or could use a lump sum payment instead of being paid over several years. Our funders have innovative techniques as buyers of structured settlements which allow them to successfully turn alternative cash flow instruments into lump sum payments at no risk to the clients.

Custom Solutions For Structured Settlements , Prizes and Lottery Winnings. Whether you are looking for a cash payout on structured settlements, like an insurance settlement, cash prizes, or lottery winnings. We can help you find flexible and individually tailored plans to meet your specific financial needs. 

How are  annuities , prizes or lottery winnings paid to individuals? 
An annuity is a series of annual payments(usually of equal size) over some period of time. There are different kinds of annuities, such as an annuity certain where payments are made for a fixed number of years, or a life annuity, where payments are made for the life of a individual. Most state lotteries offer an annuity certain.  

The face value of an annuity is the payment amount times the number of payments. In a cash prize or lottery winnings, the face value is the amount advertised. Although no person ever gets all the money at one time. The cash or present value of an annuity is the amount of money, today, that is mathematically equivalent to the sum of payments, given a particular interest rate. In a typical lottery, the cash value is equal to half the face value. Let's say you've won "One Million Dollars"  in the sense that you'll receive that amount if you're willing to wait for 20 years to collect it. What you have actually won is the cash value plus the earned interest.   

How Are Structured Settlements Created?
A structured settlement most commonly results from a personal injury lawsuit involving:

• Product liability
• Motor vehicle collisions
• Wrongful death
• Medical malpractice

 

When the outcome of a lawsuit results in a settlement, the damages awarded are funded in the form of an annuity contract issued by an insurance company. This settlement is structured as follows:

• A company (typically an insurance company) is selected by the defendant to structure the settlement.
• The structured settlement company purchases an annuity contract and sends the payments from the annuity to the plaintiff. The payments are fixed in time and amount.
• The structured settlement company retains ownership of the annuity even though the plaintiff is the beneficiary.

Who Can Benefit From the Sale of a Structured Settlement?

Each year about 15,000 new structured settlement transactions are originated in the United States. This ever-growing number points to an estimated cash flow of $25 billion. Plaintiffs receiving a structured settlement can benefit from the sale of their stream of payments by receiving a lump-sum of cash.

Opportunities in this area are limited in some states. Be sure that you check your state's laws regarding assignment of assigning structured settlements. Our Consultants can often purchase settlements that plaintiffs have been told are non-assignable. Contact us for further information and assistance in this area.

Are you receiving payments from a structured settlement, a cash prize or lottery winnings? Do you need money? Contact us for additional information on how we can help.

FREE, No Obligation Consultation!

Contact MonCapital Funding Today at (877)225-5928 or E-mail:
   billm@moncapitalfunding.com
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American Cash Flow Association®.