You sell all remaining future payments for a maximum upfront lump sum.

You do not have to sell your entire settlement. Options include:

You sell payments for a specific period (e.g., the next 5 years), after which regular payments resume.

Selling a structured settlement allows you to exchange future periodic payments for an immediate cash lump sum. This guide covers the process, legal requirements, and key financial factors for 2026.

You sell a portion of each upcoming payment (e.g., 50% of every monthly check) for a set duration. 3. The Step-by-Step Process Selling Your Structured Settlement Payments - Annuity.org