Why would I sell my structured settlement?

Structured settlement and annuity payments are spread out over a period of time. When your financial needs outweigh the current income stream of your annuity you can capitalize on the present value of these payments by selling them in exchange for immediate cash.

Do I have to sell my entire annuity?

No. If you seek to sell a portion of your payments, we can customize a solution to meet your specific financial needs.

How long does the process take?

The overall process varies from state to state, but in most cases you will be funded in roughly 45 days. Some companies will tell you they can process your deal in under 30 days in order to secure your business, but this is an unrealistic timeline.

Will I have to appear in court?

That depends on the state and the county. Most states require annuitants to obtain a court order prior to reassigning their payments which requires a court appearance.

What are your rates?

Rates vary largely based upon the size, type and structure of the sale.

Do you charge any additional closing, processing or legal fees?

No. There are no hidden costs and all legal fees are paid by Sunshine Funding.