Settlement Decisions
Buyer pricing

How Much Will J.G. Wentworth Give Me? What Six Court Orders Show

J.G. Wentworth has no fixed percentage. In six court orders it paid sellers 56% to 68% of the payments' face value, at rates from 6.9% to 15.8%. Here's how to predict your number and push it up.

Med F., Settlement AnalystMed F. Settlement Analyst Updated 11 min read
How much will J.G. Wentworth give me thumbnail: share of face value in six court orders, 56% to 68%

Key takeaway

J.G. Wentworth doesn't pay a fixed percentage. In six New York court orders, its approved offers ranged from about 56% to 68% of the payments' face value, at annual rates of 6.9% to 15.8%. The biggest factor is how far away your payments are. Competing written offers are the surest way to raise your number.

Quick answer: There is no standard J.G. Wentworth percentage. In six approved New York court orders from 2015 to 2021, J.G. Wentworth paid sellers between about 56% and 68% of the total face value of the payments they sold, at effective annual rates from about 6.9% to 15.8%. Payments due soon bring a higher share; payments decades away bring much less. In one case the court made it raise its offer from $48,000 to $55,000 before approving.

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In this guide (5 sections)
  1. The short answer
  2. Six real J.G. Wentworth deals
  3. Why the percentage changes so much
  4. How to get more from J.G. Wentworth
  5. About J.G. Wentworth

The short answer

J.G. Wentworth prices every deal individually. The two numbers that matter are:

  • Share of face value: the cash you receive divided by the total of the payments you sell.
  • Effective annual rate: the yearly rate at which your payments are worth exactly the cash you're paid, after all fees.

In published New York court orders, J.G. Wentworth's approved deals landed between about 56% and 68% of face value, at effective rates from about 6.9% to 15.8%. Where your deal lands depends mostly on how far in the future your payments are, how big they are, and whether another buyer is bidding.

Six real J.G. Wentworth deals

Every figure below comes from the linked court order. Rates marked "court" were stated in the decision; the others are implied by the payments sold and the net cash paid, valued at the order date.

OrderInsurerPayments sold (face value)Cash to sellerShare of faceRateResult
Kings Co., Mar. 3, 2021Allstate Life of NY$35,000 (2025) + $25,000 (2030): $60,000$40,00067%~6.9%Approved
Kings Co., Apr. 23, 2021Pacific Life & AnnuityMonthly payments in 2021 and 2026–2032: $80,102$45,00056%~8.3%Approved
Kings Co., Dec. 9, 2021Fidelity & Guaranty LifeOne lump sum due 2026: $142,151$97,00068%~9.4%Approved
NY Co., Mar. 12, 2015MetLife84 monthly payments, 2015–2022: $82,792$55,000 (raised from $48,000)66%10.3% court (was 14.33%)Approved
Kings Co., Mar. 23, 2021Allstate Life of NY$746.22 a month, 2021–2026: $45,519not printed–11.06% courtApproved
Kings Co., Dec. 9, 2021New York Life$319.09 of each monthly payment, 2021–2028: $26,804$17,24664%~15.8%Approved

And one it lost:

OrderInsurerPayments soldOfferShare of faceResult
Warren Co., Oct. 26, 2021John Hancock (interested party)156 monthly payments, 2035–2048: $228,886$97,50043%Denied: the seller's 14 prior sales had returned about 23 cents per dollar

Why the percentage changes so much

The share of face value is mostly a function of time. Money due in 20 years is worth much less today than money due next year, so the same rate produces very different percentages.

Here's what a buyer would pay per $100 of payments at three rates. This is plain math, not a quote:

Payment timingAt 7%At 9% (court median)At 12%
Lump sum in 1 year$93$92$89
Lump sum in 5 years$71$65$57
Lump sum in 10 years$51$42$32
Lump sum in 20 years$26$18$10
Monthly payments for 5 years$85$81$76
Monthly payments for 10 years$72$67$60
Monthly payments for 20 years$55$47$39

The 9% column uses the median rate across the 13 approved, guaranteed-payment deals in our court-record dataset.

That's why "J.G. Wentworth gives 60%" can be true for one person and false for the next. Ask about the rate, then use the share of face value to sanity-check it.

Other factors that move your number:

  • Life-contingent payments, which stop at death, are priced much lower. See life-contingent payments.
  • Deal size. Small deals carry fixed legal and court costs, which push the effective rate up. The 15.8% deal above was the smallest.
  • Repeat sales. The New York Life seller in the 15.8% deal had already sold four slices of the same payment stream to J.G. Wentworth since 2014.
  • Competition. The only thing you fully control.

How to get more from J.G. Wentworth

  1. Know your schedule exactly. Get a letter from your insurer listing every remaining payment.
  2. Get the rate in writing. Ask J.G. Wentworth for the effective annual discount rate as well as the cash amount.
  3. Get two independent quotes. Peachtree and Stone Street are J.G. Wentworth brands, so a quote from them isn't real competition. Ask buyers outside that group.
  4. Compare net cash on the disclosure statement, after all fees, for the same payments.
  5. Run any offer through our court deal benchmark to see where it sits against real court-approved deals.
  6. Remember the judge is on your side. In the 2015 MetLife case the court approved the deal only after J.G. Wentworth raised its offer by $7,000.

Before you accept any offer, talk with a financial advisor who doesn't earn anything from the sale.

About J.G. Wentworth

J.G. Wentworth was founded in 1991 and is based in Chesterbrook, Pennsylvania. Its parent company went through Chapter 11 bankruptcy in 2009 and again in 2017. Its main brands are J.G. Wentworth, Peachtree and Stone Street. For its fees, complaint history and alternatives, read our J.G. Wentworth review and the comparison of J.G. Wentworth, DRB Capital and SenecaOne.

Sources we checked

Figures were checked on November 7, 2026. Limits and rules change, so confirm the current numbers with the source or a qualified professional.

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Keep reading

Related guides and tools

Court deal benchmarkCompare any offer with real court-approved deals.J.G. Wentworth reviewFees, complaints and alternatives.Companies like J.G. WentworthIndependent buyers to compare.Discount rate calculatorFind the rate inside any offer.Compare offersHow to get a real second opinion.MetLife structured settlementsWhere the $7,000 raise happened.

FAQ

Frequently asked questions

What percentage does J.G. Wentworth give for a structured settlement?
There is no fixed percentage. In six approved New York court orders, J.G. Wentworth paid between about 56% and 68% of the face value of the payments sold. Payments due soon bring a higher share; payments decades away bring far less.
What discount rate does J.G. Wentworth charge?
It varies by deal. In the court orders we reviewed, J.G. Wentworth's effective rates ranged from about 6.9% to 15.8%. In a 2015 case the court approved the deal only after the rate fell from 14.33% to 10.30%.
How much will J.G. Wentworth give me for $100,000?
It depends on when the payments are due. At the 9% median rate from our court records, $100,000 due in one lump sum in five years is worth about $65,000 today, and spread monthly over 10 years about $67,000. Payments 20 years away would bring much less.
Is Peachtree a second opinion on a J.G. Wentworth offer?
No. Peachtree and Stone Street are J.G. Wentworth brands. For real competition, get quotes from buyers outside that group.
Can a judge make J.G. Wentworth pay more?
A judge can refuse to approve an unfair deal, which often leads the buyer to improve it. In a 2015 New York County case, J.G. Wentworth raised its offer from $48,000 to $55,000 before the court approved it.
Why was a J.G. Wentworth deal denied?
In a 2021 Warren County case, the court denied a sale because the seller had already made 14 transfer applications that turned about $1.08 million in payments into $250,177, roughly 23% of their value.

This guide is for education only. It is not legal, tax, investment or financial advice, and it does not promise any offer, rate or return. Rules differ by state and by your settlement documents. Before you sell payments or change a financial plan, talk to a qualified financial advisor and, where it applies, a tax professional or attorney who is independent of any buyer.