Sell Structured Settlement Study Guide 2026

The transfer process usually takes 45–90 days because it requires court hearings, mandatory waiting periods, and notification to all interested parties.

Increasing payment structures commonly apply a fixed annual percentage or tie adjustments to a cost-of-living index such as the CPI.

Annuity issuers do not approve or deny transfers, but they must be notified of the pending transfer and typically provide an acknowledgment for administrative purposes.

Several states' SSPAs require that the payee receive — or at minimum be offered — independent legal or financial advice before the transfer is executed.

Life insurance companies are the issuers of annuity contracts that back structured settlements, and they must meet state insurance regulatory requirements.

Near-term, guaranteed payments backed by a strong insurer command the highest values because they combine low credit risk, low mortality risk, and minimal time discounting.