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123 Lump Sum - Structured Settlements is a structured settlement company that specializes in buying structured settlements and annuities and then packaging them to form other products which are then sold at a profit. This gives individuals cash for their structured settlement that they can use right away for things like medical bills and home or car repairs.

Structured settlements are complicated agreements, and selling them is not always a good idea. Before deciding to sell your structured settlement or annuity you should talk to a qualified financial advisor or planner. This will help ensure that you understand the full consequences and implications of selling your structured settlement or annuity.'s website is a modern and sleek presentation. The very first thing on it is a tool to request a quote for your structured settlement or annuity, so it is good that users do not have to search very hard to get the information they are looking for. They have a number of customer testimonials on their site to demonstrate the value they have provided their clients, and also have links that describe the process of selling your structured settlement or annuity. This can be a complicated and confusing process, so it is useful information to have. Because structured settlements are awarded by a court, you must get a judge's approval before you sell yours. Additionally, depending on what state you live in, you may be compelled to visit a financial planner and/or hire a lawyer to facilitate the sale of your structured settlement or annuity.

Another thing that is important to note is that you will not receive the full value of your settlement. Companies like will pay you a discount rate, which is how they are able to make a profit. They acquire your structured settlement for less than it's worth and then sell it to another party for more than they paid you for it. In return you get a lump sum of cash to use for whatever you need, whether it's bills, repairs, college, or something else. This is also one of the reasons why it's so important to consult with a qualified financial advisor or planner when considering selling your structured settlement or annuity.

Like most structured settlement companies we reviewed, does not have any rates or fees posted on their site. This means that you will need to contact them for a consultation or a quote. This makes sense when you consider the complicated nature of structured settlements and the fact that each structured settlement is different. As a result, it can be hard to know right away what someone is willing to pay for your structured settlement and makes it impossible for these companies to have pre-set rates and fees.

If you are considering selling your structured settlement or annuity then you should get a quote from their customer testimonials and easy to use webpage make them a good place to get a quote, even if it's just for comparison purposes. This way you can make sure you're getting the best rate for your structured settlement or annuity.