Sell Your Future Annuity Payments.

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Selling Your Annuity Payments

When you set up your annuity, you made an investment in your future. You worked with a broker or financial planner to build a policy that you thought would fit your needs.

You had a plan for how your future would be, but sometimes life changes in ways that you could never predict. Your regular payments aren’t enough to pay for what you want to do. You need cash now. Many policies won’t let you cash out your payments early, making what once felt like a sound investment feel like red tape keeping you from your future goals. That’s where we can help.

At J.G. Wentworth, we can buy some, or even all your future annuity payments in exchange for a lump sum of cash. In some cases, you can sell your annuity payments and receive the money you need in as little as two weeks after you sign the required paperwork. It’s your money. Use it when you need it.

Reasons To Sell Your Annuity

Why sell your annuity payments? Everyone’s financial situation is different, but for over 25 years we’ve been helping people sell their future payments, we’ve heard many reasons why people want their money sooner. Some of the most popular include:

  • Buying a new home or repairing an existing one
  • Paying for college or technical school training
  • Starting or growing a private business
  • Paying for unplanned medical expenses
  • Paying off high-interest debt
  • Changing an investment or retirement plan

You might have a similar reason, or you could have different plans for your money entirely. We want to help. When you contact us , you’ll speak with a representative who will give you options for selling your future payments for cash you can spend sooner.

JGW Why People Sell Annuities

How Much Is My Annuity Worth

If you’re thinking about selling some or all your payments, knowing what they’re worth today is an important first step, but it’s not just a simple calculation. When you set up your annuity, you chose what options, known as riders, you put on it that changes how the payout worked. These riders can change the value of your payments. Other factors that can influence the current value of your future payments include:

  • The amount of remaining payments
  • How often you receive those payments
  • When you’re scheduled to receive the payments you’re looking at selling

When you contact us, our representative looks at these factors to determine the net present value (NPV) of your future payments. Put simply, the NPV is how much your future payments are worth in cash today. It’s a financial term, but we created a video to help give you a better understanding of how it works:


Understanding NPV can be complicated, but we have a lot of experience with it. If you’re curious about what your future annuity payments are worth, contact us. The call is free, and there’s no obligation to sell your payments if you decide it’s not what you’re looking for.

Annuity Sale Options

If you’re thinking about selling your future payments, you have options. You don’t have to sell all of your payments if you don’t want to. In fact, many people we help only have to sell part of their annuity to get the cash they need, leaving the rest as a revenue stream for the future. Here are the two most popular ways you can sell your annuity payments to make them work for you:

A Partial SaleMany people we work with choose this option. To get the lump sum of cash they need, they’ll sell a portion of their future payments. This can be accomplished it two different ways:

  • Sell A Period of Payments: Sell all of your payments over a limited period of time. You receive all remaining payments as scheduled.
  • Sell A Portion of Payments: Sell a portion of every payment in exchange for your lump sum. You will receive the difference for each of your remaining payments.

Sell All Your Annuity PaymentsIf you need the largest lump sum, you can sell all of your remaining payments to J.G. Wentworth. You won’t receive any payments from your annuity in the future, but you’ll have your cash now. We’ll receive all of your remaining payments in exchange for a lump sum you can spend as you see fit.

How To Sell Your Annuity

You start the process of selling your future annuity payments by speaking with one of our representatives. We’ll ask you a few questions about your annuity and what kind of lump sum you’re looking for.

After you talk with us, our representative will make you an offer on some, or all of your future payments. We will always try to give you a few quotes so you can pick the one you feel matches your situation the best.

If you decide that selling your payments is the right choice to get the money you need, we’ll work with you to get the paperwork together that we will need to send to the insurance company that issues your annuity. We’ll need:

  • A signed copy of your Annuity Contract
  • A signed contract where you authorize us to complete the sale
  • Some companies will require additional information or documents, including Change of Ownership and/or Change of Payee/Beneficiary forms. We will let you know what else is required.

The insurance company will process the changes to the annuity. As soon as those changes are made, we’ll work to get you your lump sum as soon as possible. J.G. Wentworth can deposit the cash into your bank account electronically or send you a check, whichever is easier for you.

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Get Your Money When You Need It

You don’t need to wait on your annuity payments if you need cash now. Speak with a J.G. Wentworth representative today about how you can sell them for a lump sum of cash. The call is always free, and there is never any obligation.

Don’t let your annuity payments limit your future dreams. For more than 25 years, we’ve given people options for selling their future payments for cash now. Call us today and see how we can help you.

J.G. Wentworth is a purchaser of assets and does not offer legal, tax, or financial advice. Please contact independent professionals for those services.

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