30 (or so) Structured Settlement Companies...That Appear Legitimate After Our Research

We've compiled both a list of firms that distribute settlement payments and a list of brokers you can approach if you want to sell your settlement payments for a lump sum. Inclusion on this list is not an endorsement of any firm.

Which settlement company is the best overall? Which structured settlement company is the best in the secondary market? Which company is the best for you. While there may not be a definitive answer, there are a number of factors that you may consider:

  1. How do the terms the company offers you compare with terms offered by others?
  2. How does the company treat you? With friendliness, patience, and understanding?
  3. Do you have any reason to question or doubt the financial standing of the company?

Structured Settlement Companies

Companies That Buy Structured Settlements


Phone: 855-747-6729
Email: [email protected]
Website: https://www.annuity.org

189 S. Orange Ave,
Suite 1600
Orlando, FL 32801

Annuity.org is a free, comprehensive web resource designed to answer all your questions about annuities and structured settlements through informative, easy-to-understand articles. The website can be used by annuity and structured settlement owners as an educational tool and vantage point for connecting with the website’s partner to sell their payments for cash.


Phone: 972-952-0260
Website: annuitytransfers.com

1800 Preston Park Blvd.
Suite 115
Plano, TX 75093

Annuity Transfers, Ltd. is a structured settlement funding company. The company has been in operation since 2003 with its headquarters based in Plano, Texas. The services include purchase of structured settlement payments via a court order and insurance company annuity payments that have no relation to a settlement.

Annuity Transfers, Ltd. has an A+ BBB Rating.


Firm closed. Site is not live.



Phone: 952.541.9464
Toll-free: 800.328.3862
Email: [email protected]
Website: capitalplanninginc.com

2051 Killebrew Drive
Suite #640
Bloomington, MN 55425

Capital Planning Inc. is a settlement annuity company founded in 1981 and based in Minneapolis, Minnesota. The company is a founding member company of the National Structured Settlement Trade Association. The services include financial consulting, broker services and tenders dexterous guidance of structured settlement annuities serving clients throughout the nation.


Phone: 800-843-9020
Email: [email protected]
Website: cbcsettlementfunding.com

181 Washington Street,
Suite 375
Conshohocken, PA 19428

CBC Settlement Funding, founded in 2009, is an accredited annuity and structured settlement buyer. In January 2014, Asta Funding, Inc., a financial services receivable asset management and liquidation company, purchased CBC Settlement Funding. The services provided by CBC Settlement Funding include structured settlement and annuity purchasing as well as pre-settlement funding.

CBC Settlement Funding has an A+ BBB Rating.


Phone: (888) 594-1195
Website: clientfirstfunding.com

301 Yamato Rd #3200
Boca Raton, Florida 33431

Headquartered in Boca Raton, Florida, Client First Settlement Funding was formed in 2008. Client First Settlement Funding is a financial services company specializing in purchasing and selling structured settlements, lottery payments, and annuities in the United States. It serves as a direct funding company providing clients with large lump sum in exchange for their monthly, quarterly, or annual payments/receipts.

Client First Settlement Funding has an A+ BBB Rating.


Phone: 888-981-8703
Website: drbcapital.com

1625 S Congress Ave,
Suite 200
Delray Beach, Florida

DRB Capital is a privately held company founded in 2007 and headquartered in Delray Beach, FL. DRB Capital is specializing in structured settlement funding, annuity funding, and pre-settlement funding. The company is experienced in helping customers in need, who have structured settlements, annuities, investment annuities, and life contingency structured settlements, to get the lump sum of cash they need right now.

DRB Capital has an A+ BBB Rating.


Phone: 800-354-4098 (Corporate Office)
303-337-0400 (Local)
Email: [email protected]
Website: teamarcadia.com

5613 DTC Parkway,
Suite 700
Greenwood Village, Colorado 80111

Arcadia (formerly EPS Settlements Group) has a rich history as the first structured settlements firm in the world. With more than 160 experienced settlement professionals across 50 offices in the United States, in 2017 Arcadia became the only international structured settlements organization in North America with the introduction of EPS Settlements Group of Canada. The firm is specializing in Structured Settlements, Liability, Auto Liability, Workers' Compensation, Medical Malpractice, Defense Base Act, Employment Litigation, Mass Tort, Discrimination, Trucking, Maritime, Annuities, Jones Act and FHLA, Federal Government, and Medicare and Medicaid.



Phone: 888-943-8637
Email: [email protected]
Website: fairfieldfunding.com

3424 Peachtree Rd NE
Atlanta, Georgia

Located in Atlanta, Georgia, Fairfield Funding a.k.a. Apis Management, LLC,
was established in 2008 by pioneers in the structured settlement purchasing industry. Fairfield is a direct funder of structured settlement annuity payments, lottery winnings and different types of annuities. As such, the company provides a lump sum of cash for the future payments. They can also provide valuation services for guaranteed payments due to an estate.

Fairfield Funding has an A+ BBB Rating.



Phone: (866) 930-6480
           (855) 770-8956
Email: [email protected]
Website: jgwentworth.com

201 King of Prussia Road,
Suite 501
Radnor, PA 19087

J.G. Wentworth is a diversified consumer financial services leader focused on providing direct-to-consumer access to financing needs through a variety of solutions, including: mortgage lending and refinancing, access to personal and business loans, structured settlement payment purchasing, and prepaid cards. The company was founded in 1992 and is headquartered in Radnor, PA.

J.G. Wentworth has an A+ BBB Rating.



Phone: (855) 643-0333
(855) 285-4158
Email: [email protected]
Website: libertysettlementfunding.com

1855 Griffin Road
Suite B354
Dania Beach, FL 33004

Headquartered in Fort Lauderdale, Liberty Settlement Funding is a specialty finance company that purchases structured settlement payment rights, annuities, and lottery winnings in the secondary market. With over 100 years of collective industry experience, Liberty is an industry leader in tailoring financial solutions to its customers’ needs while also expanding its suite of financial products.

Liberty Settlement Funding has an A+ BBB Rating.



Phone: (800) 573-8853
Email: [email protected]
Website: msettlements.com

3500 Financial Plaza
Suite 202
Tallahassee, FL 32312

In 1984, Millennium Settlements, Inc. opened its doors with the goal of becoming an industry leader in the very specialized field of Personal Injury Settlement Design Consulting. Today the company offers services, including: Structured Settlements, Attorney Fee Structures, Legal Settlements, Financial Services, Medical Malpractice, Personal Injury, Wrongful Death, Medicare Set-Asides, and Worker's Compensation.
Millennium has corporate offices in Tallahassee, FL, Austin, TX and San Diego, CA and consultant offices throughout the United States.



Phone: 888-979-3740
Website: novationsettlementsolutions.com

1641 Worthington Road,
Suite 410
West Palm Beach, FL 33409

Since 2000, Novation Settlement Solutions (formerly known as Novation Capital) has purchased over $1.5 billion in structured settlements, annuities, lottery receivables and other similar cash flows. Novation Professional Services serves receivers, trustees and liquidators by paying cash for structured settlements and annuities; entertainment and sports royalties; annuitized lottery prizes, sweepstakes and progressive jackpot awards; deferred compensation contracts; inheritances, bequests and future interests; and other illiquid cash flows.

Novation Settlement Solutions has an A+ BBB Rating.


Phone: 800.513.1394
Email: [email protected]
Website: senecaone.com

Corporate Headquarters
7920 Norfolk Ave.
Suite #300
Bethesda, MD 20814

Florida Office
105 South Narcissus Avenue,
Suite 710
West Palm Beach, FL 33401

Headquartered in Bethesda, MD, since 2002 SenecaOne has grown to be one of the largest financial services companies of its kind in the country. More than just buying structured settlement annuities or lottery prize winnings, the specialists in SenecaOne explore options and opportunities designed to help their customers realize their long-term financial goals. SenecaOne is also an established leader in the lottery prize purchasing market. The company is a member firm of the National Association of Settlement Purchasers, the only professional trade organization for participants in the secondary market for structured settlements.

SenecaOne has an A+ BBB Rating.



Phone: 800-959-0018
Email: [email protected]
Website: settle4cash.com

14755 Preston Rd.,
Ste. 610
Dallas, TX 75254

Settlement Capital Corporation (SCC) is a specialty financing company that provides liquidity to owners and holders of periodic payments resulting from structured settlements, annuities, lottery winnings and other secured future payment obligations. It offers structured settlement factoring, single premium annuity financing, and future payment options service, as well as lottery winners the choice to sell their long-term payment streams in exchange for a lump sum payout. The company was founded in 1988 and is headquartered in Dallas, Texas.

Settlement Capital Corporation has an A+ BBB Rating.


Phone: 301 951 8900
Email: [email protected]
Website: stonestreet.com

7316 Wisconsin Avenue
Fifth Floor
Bethesda, MD 20814

Created in 1989, Stone Street Capital is the first and oldest lump sum company and has been the leader in the specialty finance industry ever since. The company helps people receive cash through future payment streams, such as structured settlements, personal injury settlements, lawsuit settlements, annuities, and lottery, contest, and slot jackpot prizes. The company is based in Bethesda, Maryland.

Stone Street Capital has an A+ BBB Rating.



Phone: 866.256.0088
Email: [email protected]
Website: strategiccapital.com

575 Madison Ave
Ste 1006
New York, NY 10022-2511

Strategic Capital Corporation was founded in 1994 and since then the company has been buying lottery prize payments, investment annuity payments, IGT casino winnings and other future payments and became a structured settlement buyer in the early 2000’s only after structured settlement transfers became regulated by law. The company is headquartered in New York, NY.



Phone: 800-727-3885
Website: settlementplanners.com

8841 Williamson Dr.
Ste. 30
Elk Grove, CA 95624

Settlement Planners, Inc. is a national structured settlement planning firm providing attorneys with analysis, design and implementation of periodic payment packages in the resolution of personal injury and wrongful death litigation. The services provided include: Structured Settlements, Attorney Fee Planning, Trust Services, Qualified Settlements, Qualified Settlement Funds (QSF), Non-qualified settlements, Lien Resolution, Mass tort settlement resolution, Government benefits preservation, Special Needs Trusts (SNT), Medicare set-asides (MSA).


Phone: 561-447-0401
Website: woodbridgeinvestments.com

123 NW 13th Street,
Suite 309
Boca Raton, FL 33432

California Branch Office
14225 Ventura Blvd.
Suite 100
Sherman Oaks, CA 91423

Since 1993 Woodbridge Structured Funding, LLC, a Florida and California-based company, has been a leader in the structured funding industry. Over twenty years ago, they innovated the purchase of future payments in return for a lump-sum. Woodbridge specializes in future payments, helping clients sell a range of future payments, including annuities, jackpot winnings, lottery winnings, structured settlement payments.

Woodbridge Structured Funding, LLC has an A+ BBB Rating.

Companies That Issue Structured Settlements

MUTUAL OF OMAHA Insurance Company

Phone: 402-342-7600
Website: mutualofomaha.com

3300 Mutual of Omaha Plaza
Omaha, NE 68175

Mutual of Omaha Insurance Company was founded in 1909 and is headquartered in Omaha, NE. The company is a full-service, multi-line provider of insurance and financial service products throughout the United States. The annuity solutions to both individuals and groups include: Income annuities (Ultra-Income, Income Access, Deferred Income ProtectorSM, Income Annuity with Premium Return); Deferred annuities (Bonus Flexible Annuity, Ultra-Secure® Plus); Structured Settlements; Group Annuities (Pension Guard®, Retirement Annuity Solutions®, Corporate Annuity Solutions®, Solutions for Gift Annuity Programs®, IRAdvantage Plus®).

Mutual of Omaha Insurance Company has an A+ BBB Rating.


Phone: (800) 800-7646
(800) 722-4448
Email: [email protected]
Website: pacificlife.com

P.O. Box 9000
Newport Beach, CA 92658-9030

Headquartered in Newport Beach, CA and offering insurance since 1868, Pacific Life provides a wide range of life insurance products, annuities, and mutual funds, and offers a variety of investment products and services to individuals, businesses, and pension plans. Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. The products and services offered by the company for individuals include Annuities, Life Insurance, Mutual Funds, and products for businesses are Life Insurance, Pension Risk Transfer, Real Estate Investments, and Structured Settlements.

Pacific Life has an A+ BBB Rating.



Phone: 888-778-2888
Website: https://www.prudential.com/

Prudential Annuities
P.O. Box 7960
Philadelphia, PA 19176

Prudential Financial is one of the world’s largest financial services institutions. Founded in 1875 and headquartered in Newark, NJ, for over 140 years Prudential Financial has helped people grow and protect their wealth. They offer individual and institutional clients a wide array of financial products and services, including Life Insurance, Annuities, Mutual Funds, Group Insurance, Retirement Services, Investment Management, and other financial services to help solve today's financial challenges.


Phone: 877-827-8001
Website: ubs.com/us/en/wealth.html

1285 Avenue of the Americas, 16th Floor
New York,
New York 10019

With a 150-year history and a network of offices in over 50 countries on 5 continents, UBS has extensive experience managing the wealth of high net worth and ultra high net worth individuals. UBS offers a wide range of annuity products from some of the most established and well-respected insurance companies in the U.S.

Structured Settlement Consulting Companies


Phone: 404.851.1772
Toll Free: 866.851.1772
Email: [email protected]
Website: bradfordsettlement.com

6000 Lake Forrest Drive
Suite 280
Atlanta, GA 30328

Bradford Settlement Company is a structured settlement and annuity planning firm that operates out of Atlanta, GA. Since 1981, Bradford Settlement Company has provided Structured Settlement advice and services to the injured and their counsel. In addition to standard structured settlement services, Bradford Settlement Company also offers services related to Medicare set-asides, tax deferred attorney fees, and other services.



Phone: 732.249.8669
Toll free: 800.327.9224
Email: [email protected]
Website: creative-capital.com

1200 Tices Lane,
Ste. 102
East Brunswick, NJ 08816

Creative Capital Inc. (CCI), a nationwide Structured Settlement consulting firm, is one of the founders of the structured settlement industry and has been developing creative settlement solutions for over thirty years. The company was founded in 1980 and is headquartered in East Brunswick, NJ. CCI specializes in a wide array of services, including: Structured Settlements, Lien Resolution & MSA Allocation and Analysis, Structured Attorneys'‚Äč Fees, ICO Drafting & Preparation, Pre & Post-trial 50-A and 50-B Calculations, Mediation & Negotiation Support, and Periodic Judgment Analysis and Preparation.



Phone: (800) 661-7075
Email: [email protected]
Website: jcrsettlements.com

10105 E. Via Linda
Suite 103
Scottsdale, Arizona 85258

JCR Settlements was founded in 2014 but has more than 50 years combined experience in the structured settlement marketplace. The company helps to deal with structured settlement and offers services, including Structured Settlement Annuities, MSA Allocations, Attend Mediations, Life Care Plans, 104 (a) 2 Document Assistance, and others.


Phone: 800 544-5533
202 463-1990
Email: [email protected]
Website: jmwsettlements.com

1725 DeSales Street, NW
Ste 801
Washington, D.C. 20036

JMW Settlements was founded in 1978 under the auspices of the Julia M. Walsh & Sons investment company in Washington D.C. The initials "JMW" are taken from her name. Incorporated in 1982, JMW Settlements outgrew its surroundings and moved to separate quarters in 1985. The firm was acquired by President Henry L. Strong in 1987 and became a proud member of the Integrated Financial Services family of companies in July 2013. JMW offers full service support in Structured Settlements for personal injury claims and litigation, Due Diligence Services for Settlement Fiduciaries, and Structured Sales of Appreciated Assets.



Phone: 859-626-3600
Email: [email protected]
Website: mcnay.com

2220 Nicholasville Road
Suite 110-321
Lexington, KY 40503

With 30 years of experience in the structured settlement field Mcnay group pride themselves in serving individuals, children and those with special needs plan their financial futures not only in settlements but also in day to day financial needs and requirements. The aim of the company is to make financial matters easier and useful for the individuals, attorneys and all the professionals involved. Not only has the company been an innovator in planning for individuals and settlements but the company also takes initiative to settle workers compensation cases, employment cases and mass torts.



Phone: 949-833-3910
Toll Free: 800.734.3910
Email: [email protected]
Website: patrickfarber.com

1851 E 1st St,
Ste 1625
Santa Ana, CA

Patrick Farber works with attorneys throughout California and around the U.S. to create structured settlement annuities for physical and non-physical injury cases, placing over $3 billion in annuity premiums and U.S. Treasury securities. They specialize in providing structured annuities for medical malpractice, personal injury, product liability, workers’ compensation, toxic torts, and construction defect cases as well as for non-physical injury cases and attorney fees.


Phone: (949) 296-9000
(603) 719-1021
Email: [email protected]
Website: ringlerassociates.com

27422 Aliso Creek Road,
Suite 200
Aliso Viejo, CA 92656

Ringler is the largest settlement planning company in the United States with over 150 Consultants in more than 70 offices nationwide. Its Ringler settlement plan considers financial resource available, which may mean a combination of strategies, including upfront cash payments, a tax-free structured settlement annuity to meet medical and living expenses, or other financial planning tactics. The company was founded in 1975 and is based in Aliso Viejo, California.



Phone: (203)325-8640
(203) 561-6560
Toll-free: (888) 325-8640
Email: [email protected]
Website: 4structures.com

43 Harbor Drive, Unit 309
Stamford, Connecticut 06902

Founded in 2000 and headquartered in Stamford, CT, 4structures.com LLC is a structured settlement expert, settlement planning company and financial services company providing services, including: Structured Settlements, Settlement Plans, Financial Planning, Insurance, Celebrity Endorsements, Structured Legal Fees, Long Term Care, Structured Sales, Funding Agreements, Periodic Payment Reinsurance, Settlement Trust, Employment Cases, and Oil and Gas Lease Bonus.

About our Structured Settlement Company page.

While we attempt to provide information that may help you make a decision regarding your structured settlement, we recommend that you speak with a finance or tax professional to better understand that impact of any transaction.