Understand Your Structured Settlement
Before You Make a Decision.
Analyze offers, estimate payout value, compare options, and explore structured settlement decisions with AI-powered tools.
Editorially Reviewed by James Mitchell, CFP®
Certified Financial Planner • 15+ Years in Structured Settlements
View credentials →Court Supervised
All 50 states require judicial approval
No Data Sold
Your info never shared without consent
Unbiased Analysis
We never favor one buyer over another
NSSTA Aligned
Following industry best practices
Buyers We Track & Compare
26+
Licensed Buyers Tracked
Across all 50 states
$2.4B+
Settlement Value Analyzed
Through our calculator & tools
50
States Covered
State-specific laws & timelines
100%
Free & Independent
No hidden fees, ever
How Selling a Structured Settlement Works
Court-supervised process that protects you at every stage
Get Free Quotes
Submit your details once. Receive 3-5 competing offers from licensed, court-approved buyers.
Compare Offers
Our tools decode discount rates and hidden fees so you see the real cost of each offer.
Court Approval
A judge ensures the sale is in your best interest. Required by law in all 50 states for your protection.
Receive Cash
Funds wired directly to your bank account within 3-5 business days after court approval.
2026 Structured Settlement Market Snapshot
Real-time market conditions updated monthly from our buyer network analysis
Avg Discount Rate
11.2%
Avg Payout
84.3%
Court Approval Speed
47 days
Active Licensed Buyers
26
What This Means For You
Discount rates are trending down in 2026, meaning sellers are getting more cash than any time in the last 3 years. If you're considering selling, market conditions are favorable right now.
Decision Tools Built to Protect You
Expert-level analysis that settlement buyers don't want you to have
Settlement Calculator
Get instant present-value estimates at multiple discount rates
Offer Analyzer
Decode hidden discount rates and compare buyer offers fairly
Company Match
Find the best buyer for your specific settlement type and state
Sell or Keep?
AI-powered decision framework based on your financial situation
State Law Lookup
Court timelines, buyer counts, and protection acts by state
Company Rankings
Independent ratings based on rates, speed, and transparency
What Settlement Buyers Don't Tell You
The information gap costs sellers $10,000-$50,000 on average
What Buyers Say
"We offer the best rates in the industry"
They all say this. Without comparing 3-5 offers, you have no leverage.
"Act fast, this offer expires Friday"
False urgency tactic. Offers can always be re-quoted. Take your time.
"Our discount rate is very competitive"
They rarely disclose the actual rate upfront. It could be 9% or 18%.
"There are no fees or costs to you"
True for upfront fees, but the discount rate IS the cost — often $20K-$60K on a $100K settlement.
What Our Tools Reveal
Offer Analyzer
Shows the exact discount rate hidden in any offer — so you know if it's 9% (great) or 16% (terrible).
Company Match
Identifies which 3-5 buyers have the best rates for YOUR specific settlement type and state.
Calculator
Shows what your payments are actually worth at fair market rates — your negotiation baseline.
State Laws Tool
Court timelines, required disclosures, and protections specific to your state that buyers must follow.
Start With Your Goal
Tell us what you need and we'll guide you to the right tools
I need cash now
Explore selling options, get instant valuations, and compare buyer offers
I got an offer
Analyze whether the offer is fair, decode the discount rate, and negotiate better
I want to learn
Understand how structured settlements work, your rights, and market conditions
Settlement Holders Who Got More
Real outcomes from people who used our tools before accepting an offer
Michael R.
Personal Injury • FL
$87,400
+$16,400 saved
“Almost accepted the first offer at $71K. SettlementDecisions showed me the discount rate was 16%. Got competing quotes and ended up with $87,400.”
Frequently Asked Questions
Is this site a settlement buyer?
How accurate is the calculator?
Are structured settlement payments taxable if I sell?
How long does the selling process take?
Do I have to sell all my payments?
How much do structured settlement companies take?
What is a fair discount rate in 2026?
Can a judge deny my settlement sale?
Guides by State & Situation
State-specific laws, timelines, and strategies for your exact situation
Ready to Make an Informed Decision?
Use our free tools to understand your options before talking to any buyer. Knowledge is leverage.