Certain structured settlement, lottery or annuity policies provide for payments as long as you are alive. The payments are considered “Life contingent payments”. People often want to sell these payments because they can receive guaranteed cash today for payments they may never receive in the future.

For example, with guaranteed payments if you are receiving $1,000 a month and you pass away your beneficiary will continue to receive those payments for the remainder of the term. However, with Life Contingent payments those payments will only be made for as long as you are alive.  Should you pass away during the life contingent payout period, neither you nor your beneficiaries will ever see the financial benefit from any remaining future payments.

At Reliance Funding we have developed a proprietary product that will allow you to convert those life contingent payments into a guaranteed cash lump sum that can be used today with no medical exams.


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We’ll contact you right away to talk about how to unlock your money.

Type of Payment You are Selling

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The process is simple:

Call Us:

Contact an account representative at Reliance Funding to get started. Our representative will work with you to customize a solution that fits your immediate and long-term financial needs.

Health Questionnaire:

A quick and easy health Questionnaire is all we need. Answer a few quick questions and the process is complete. What makes our process unique is that we do NOT require a detailed medical review, blood samples or a physical.


When the customized financial solution is complete we send it to you in writing, review any questions and finalize the documents.

Getting Approval:

We take those documents to court to get your financial solution approved. Don’t worry, your personal executive buyer will help guide you through the process and Reliance Funding provides an experienced attorney to help ensure your solution is properly presented.

Getting Paid:

When the court approval is received and the insurance company acknowledges the court’s approval the transaction is complete and you receive your funds! All payments are processed immediately to ensure a quick and easy transfer.


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Can I still keep some of my payments?

Of course you can!  One of our executive buyers will prepare an offer that meets your financial needs.

Why Sell my payments?

In the past our customers have used their payments to help meet their financial goals whether it’s buying a house, paying off debt, or simply improving their lives. Often times, the rates we can offer to our customers are better than other available credit rates and we can help eliminate debt.

Do I Need to Have Good Credit?

No, your credit history has no effect on your ability to sell all or a portion of your structured settlement income stream.

What Do I Need to Sell My Payments?

A copy of your personal identification and a benefits letter are all we need to get the process started. However, we are always willing to help you retrieve those documents from the insurance company.

How Long Does It Take?

Overall, the process takes about 45 days from start to finish. At Reliance Funding, we have a highly efficient and funding department to ensure you get paid as quickly as possible. 

Do I Have to Pay Taxes On My Lump Sum?

Structured settlement payments to annuitants are non-taxable and receipt of a lump-sum payment from Reliance Funding, for all or a portion of your structured settlement stream, is likewise non-taxable, once a court order is obtained approving the transfer.  There may be circumstances where the seller of a structured settlement may be subject to taxation and Reliance Funding does not offer or render any tax advice to owners of structured settlement income streams and recommends each seller get independent tax advice regarding the sale of all or a portion of your income stream.

Frequently Asked Questions:

What is a structured settlement?

A structured settlement is a fixed sum of money paid over a specific period of time. Usually structured settlements are financial agreements that result when you win or settle a personal injury case for a large amount of money.

Can I sell my structured settlement payments?

Structured settlements can be sold in most cases. Other types of payment streams such as pension payments, workman’s compensation payments or government issued payments are not transferable. If you are unsure whether or not your structured settlement can be sold, give us a call or apply online. One of our executive buyers can quickly answer any questions you have regarding the assignability of your structured settlement.

Do I have to sell my entire structured settlement payment stream?

Typically you have the option to sell as much or as little of your remaining structured settlement payment stream as you want. Reliance Funding can provide you with a full buyout quote as well as partial buyout quotes to address your current needs.

Can I sell my structured settlement to different companies?

As the holder of a structured settlement, you are free to choose a buyer for any remaining structured settlement payments. Before choosing a company to work with, you should request quotes from multiple companies and investigate the credentials of each company. You are not required to do any future deals with the same company.

What is the process for selling my structured settlement payments?

The first step in selling a structured settlement is making the decision to sell. Once you decide to sell your structured settlement, it is time to choose a settlement buyer and decide how much of your structured settlement you are interested in selling.

Do I have to hire an attorney to sell my structured settlement payments?

Certain states require you to hire and meet with an Independent Professional Advisor at some point during the transfer process.  Reliance Funding works with its local counsel to process the appropriate court paperwork to finalize your transaction.

What documents will I need?

In order to sell your structured settlement, Reliance Funding will need to see settlement verification, which we can obtain directly from the insurance company, and proof of residence – typically in the form of a state issued ID.

Will I be required to show up in court?

Whether you need to show up in court depends on the state you reside in and the specifics of your settlement agreement. In certain instances you may be required to appear at a court hearing and submit all relevant financial information to the judge. The judge will then decide whether or not to approve the transfer.

What are the tax implications of selling my structured settlement?

Reliance Funding cannot legally answer any tax related questions. For questions regarding the tax implications of a transaction, we recommend that you contact a C.P.A. or a tax attorney.

I've sold part of my structured settlement payment stream before. Can I sell more?

Yes. You can sell any remaining structured settlement payments for a lump sum.

How long does it take to get a quote?

Once an executive buyer from Reliance Funding has described the process and has evaluated your specific situation and financial needs, he/she can then provide you with several options in as little as 5 minutes.

Is the offer for my structured settlement payments guaranteed?

Yes, our offer is guaranteed and is paid to you once we obtain a court order approving the transfer and sign-off from your insurance company.  We have experienced attorneys nationwide that help us in getting a court order to approve your transaction, who have a very good track record of success.

How long will it take to receive my lump sum?

The timeline for a structured settlement transfer depends on the state you reside in and your case specific circumstances.  On average it takes 45 days from the time we file until the time you receive your lump sum.

How do I get started?

It is easy to get started. Simply contact us using this form or by calling us at 1-844-678-7540. An experienced executive buyer will discuss your situation and offer you several options. Once you decide which option is best for you we will initiate the process to get you your cash.