Best Structured Settlement Companies (2024 Guide)
If you’ve won a legal settlement or lottery payout and prefer long-term, tax-advantaged payments instead of a lump sum, a structured settlement annuity may be the best option. But choosing the right company is crucial—some offer better rates, flexibility, and reliability than others.
In this guide, we’ll review the top structured settlement companies in 2024, their pros and cons, and key factors to consider before making a decision.
What Is a Structured Settlement?
A structured settlement is a financial arrangement where a claimant (e.g., from a lawsuit, lottery, or insurance payout) receives periodic payments over time instead of a single lump sum. These payments are often tax-free and provide financial stability.
Who Needs a Structured Settlement Company?
- Lawsuit winners (personal injury, workers’ comp, medical malpractice)
- Lottery winners
- Insurance claimants
- Minors or beneficiaries needing long-term financial security
Best Structured Settlement Companies in 2024
1. J.G. Wentworth
- Best for: Fast cash buyouts
- Pros:
- Largest buyer of structured settlements
- Competitive offers
- Quick funding (as fast as 48 hours)
- Cons:
- Lower payouts than some competitors
2. Peachtree Financial Solutions
- Best for: Flexible payment options
- Pros:
- High customer satisfaction
- No upfront fees
- Offers partial buyouts
- Cons:
- Slower processing than some competitors
3. Stone Street Capital
- Best for: High-value settlements
- Pros:
- Strong reputation in legal/financial circles
- Competitive offers for large settlements
- Cons:
- Strict eligibility requirements
4. Annuity.org
- Best for: Free expert advice
- Pros:
- Educational resources
- No-obligation consultations
- Cons:
- Not a direct buyer (broker service)
5. Liberty Settlement Funding
- Best for: Low-fee transactions