Best Structured Settlement Companies

Best Structured Settlement Companies

What Is a Structured Settlement?

You may have a few options for accepting your settlement after winning a personal injury lawsuit. You can choose a structured settlement, which is a series of payments made over time.

You could engage with a structured settlement company if you’re seeking for a lump payment. In exchange for your structured settlement installments, many companies give a lower lump sum.

Are Structured Settlements a Good Idea?

It is debatable. A structured settlement may provide more money in the long run. It’s also a smart idea if you’ve never dealt with money before.

Your payments are tax-free, and you’re less likely to lose money if you make a terrible investment. However, if you require more money sooner, the lump sum option may be preferable.

The most significant disadvantage of a lump sum payment is that you will receive less money overall. While selling your settlement for a flat sum is frequently tax-free, it can also be taxed in certain circumstances.

What Is the Difference Between a Structured Settlement and an Annuity?

Annuities and structured settlements have a few things in common. Both entail regular payments of a predetermined amount of money and may discourage you from spending a large chunk of money all at once.

However, there is a significant distinction. An annuity is a type of investment that you can purchase from an insurance company. A structured settlement has the same payment structure as a lawsuit payout, but it’s an option you can take after you’ve won money in a case.

What Is the Cost of a Structured Settlement?

Companies that offer structured settlements make money by taking a percentage of your payout. As you can see from the rest of this story, the firms aren’t exactly forthright about how much it will cost.

Before signing a structured settlement agreement, the CFPB advises getting the company’s fees, extra costs, and interest in writing.

How We Chose the Structured Settlement Companies

Even if you win, dealing with a lawsuit can be stressful. There are several aspects to consider if you want to cash in your structured settlement for a lump payment. We looked at the company’s history and accreditation to compile our list. We also analyzed the transparency of the website, the settlement process, customer support, and other notable elements.

Get the cash you need now rather than wait for payments

If you win a lawsuit, there are several options for receiving the money you’ve been awarded. A structured settlement is one possibility, which entails regular payments over time.

If you need the money right away, though, a lump sum payment may be preferable. Working with a structured settlement company is one approach to get the lump money. It’s something to think about, but not all companies are trustworthy, so you’ll have to pick the proper one.

To compile a list of the greatest service providers in the structured settlement business, we looked at 12 of the most popular companies.

Our rankings take into account each firm’s history, certification, settlement alternatives, and other factors to help you select which structured segregation company is best for you.

The 5 Best Structured Settlement Companies of 2021

BEST OVERALL: Peachtree Financial Solutions

For a variety of factors, Peachtree Financial Services came out on top. The company has a long and reputable history. J.G. Wentworth, another major participant in the sector, currently owns it. The speedier payout timelines—including the company’s cash advance options—helped it edge ahead of its parent corporation.


  • The procedure is described in detail on the website.
  • Customer service is simple to contact.
  • Option for a cash advance


  • Lack of pricing transparency
  • Must call a representative for key details

Peachtree Financial Services has been in the financial services industry since 1996. The Pennsylvania-based firm buys annuity payments, lottery winners, structured settlements, and other types of payments.

Another company on our list, J.G. Wentworth, purchased Peachtree Financial Services in 2011, but the two companies operate independently. The Better Business Bureau has given Peachtree Financial Services an A+ rating and it is accredited by the organization.

Peachtree Financial Services’ website, unfortunately, does not include a price structure. You’ll need to call for information on the minimum settlement amount. However, the firm does an excellent job of describing how the process works, including the consultation, required documents, and filing paperwork on your behalf.

Peachtree Financial Services takes pride in being approachable, with its phone number prominently displayed in its website’s top. If you don’t want to converse on the phone, they also have a contact form that is easily accessible.

BEST FOR PRICING: Fairfield Funding

Structured settlement firms rarely publish pricing information on their websites. Fairfield Funding guarantees to beat rival rates, and if they can’t, they’ll give you $500.

As a result, you won’t have to be concerned about pricing transparency and can rest assured that you’re getting the best deal. As a result, the company in our review is the best in terms of pricing.


  • Guaranteed low prices
  • Transactions are completed quickly.
  • Customer service is simple to contact.


  • Less established than competitors
  • Must call a representative for key details

Fairfield Funding has been in the structured settlement and annuity payments business since 2008. The National Association of Settlement Purchasers is a member of the firm. Fairfield Funding has an A+ rating from the Better Business Bureau.

Fairfield Funding buys structured settlements for a percentage of the settlement value. According to the company’s website, the actual pricing is determined by payment dates, payment quantities, and the present economy.

You’ll have to call to find out about the company’s minimum payment policy. The procedure, which begins with determining the lump sum amount and finishes with the completion of court documents, is briefly detailed on the company’s website.

Fairfield Funding features a responsive live chat and has its phone number prominent on every page of its website. It takes 30 to 45 days on average for a structured settlement to be completed. You will, however, receive your funds as a cash advance within 5 days.

For the following, Fairfield Funding provides a 100 percent guarantee:

  • The best price is: If a competitor’s offer is better, the corporation will match it or pay you $500.
  • Now is the time to get money: Within five days, you are eligible for a cash advance.
  • Fixed: There is no interest on the cash advance.
  • Fast: Your transaction will be completed as rapidly as the state legislation allows.
  • When you call for a consultation, a professional will go over the guarantee information with you.


DRB Capital was an obvious choice for our customer service position. It’s the only firm that guarantees a single point of contact throughout the procedure. DRB Capital also provides assistance in both English and Spanish.


  • Representative who is committed
  • Support in English and Spanish
  • Stop Structured Fraud is an anti-fraud initiative.


DRB Capital, a DRB Financial Solutions company, has been in operation since 2013. The company, based in Delray Beach, Florida, buys structured settlements and annuity payments. The National Association of Settlement Purchasers is a member of DRB. The Better Business Bureau has given the company an A+ rating. 3

DRB Capital’s website does not provide pricing or minimum settlement information. Consumers will have to call to acquire particular details for their individual structured settlement demands because the corporation does not publish its procurement procedure.

DRB Capital distinguishes itself by providing personalized customer service. Throughout the entire procedure, you will deal with a dedicated representative from start to finish. In addition, the organization provides phone help in both English and Spanish seven days a week.

DRB Capital has a track record of client advocacy and tackling unscrupulous actors in the business. Through its Stop Structured Fraud program, the corporation opposes illegal and unethical behaviors in the structured settlement industry. Whistleblowers are currently eligible for a $100,000 reward from DRB Capital.


It’s critical to engage with a company you can trust when dealing with a structured settlement. Stone Street Capital was chosen since it is the oldest company on our list and has received positive customer feedback.


  • Established company
  • It’s easy to reach customer service


  • Lack of transparency on website
  • Must call a representative for key details

Stone Street Capital is the oldest structured settlement firm on our list, having been founded in 1989. Structured settlements, annuity payouts, and prizes such as lottery or casino winners are all purchased by the Rockville, Maryland-based firm.

Stone Street Capital has an A+ rating from the Better Business Bureau. ConsumersAdvocate has given the company a rating of 4.0 out of 5 stars.

Stone Street Capital does not provide pricing or minimum settlement alternatives; instead, each consumer receives a personalized plan over the phone.

To be paired with someone who can work with you in your state of residency, fill out a contact form or call the toll-free phone number.


The recent Consumer Litigation Funding Provider award, as well as USClaims’ lengthy history and reputation, making it an obvious choice for pre-settlement funding. Only a few of the companies on the list provide cash advances, and none of them do it within 24 hours.


  • Fast payments
  • It’s easy to reach customer service


  • On the website, there are little pricing data.
  • The National Association of Settlement Purchasers is not a member of our organization.

USClaims is another long-standing firm in the industry, having been in operation since 1996. The organization, which is a subsidiary of DRB Financial Solutions and has an A+ rating with the Better Business Bureau, concentrates on pre-settlement finance.

Despite the fact that USClaims is not a member of the National Association of Settlement Purchasers, the readership of Corporate Counsel—the largest national legal and business news publication—voted it Best Consumer Litigation Funding Provider.

USClaims specializes in giving victims of personal injury with cash up front. You may be eligible for litigation funding of up to 10% of the value of your lawsuit while you are awaiting a final settlement in a trial.

There is no risk, and you will not be charged unless you receive a settlement from USClaims. You could get your money in less than 24 hours if USClaims approves your application.

The fee is determined on a case-by-case basis and is based on the total amount of the settlement. Depending on how long it takes USClaims to receive the funds, the price may rise. According to the company’s website, it has one of the lowest rates in the industry. Furthermore, there will be no hidden costs.

Consumers can call the toll-free hotline to see how much in presettlement monies they are qualified for and how that affects their post-trial funding possibilities.

Michael Will

At Michael Will works as a writer and editor. He has 5 years of expertise in the business world, with an emphasis on small enterprises and startups. Digital marketing, SEO, business communications, and public policy are just a few of the areas he's addressed. He's also written about artificial intelligence, the Internet of Things, and blockchain, among other new technologies and their intersections with business.

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