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Selling your future annuity payments can be tricky. We will help you get the most cash in as little time as possible. Guaranteed.

  1. Get Your Paperwork and Get Your Estimate

    Stop stressing over this and contact us! We can do everything for you. Pull your paperwork, get you an estimate, answer your questions and find you a great buyer who will pay you the most cash for your annuity.

  2. Evaluate, Accept, Sign and Return the Offer

    The offer will be the most cash and lowest fees available. Just sign and return the offer. If the offer isn't what you had hoped, not a problem, you can sell more or less of your annuity to meet your needs, guaranteed.

  3. A Court Order is Obtained To Sell Your Annuity Payments

    The court must approve your sale, and the buyer of your annuity payments will get an order from the judge in court. The judge will then reassign the legal right of the payments from you to the buyer so you can get your money!

  4. The Buyer Sends Your Money via a Wire or a Check

    The insurance company (annuity payments issuer), receives judge's order. They confirm payments will now be sent to the buyer. The buyer then sends your lump sum payment. You've got your money!


Get Your Paperwork and Get Your Estimate
Stop stressing over this and contact us! We can do everything for you. Pull your paperwork, get you an estimate, answer your questions and find you a great buyer who will pay you the most cash for your annuity payments.


Evaluate, Accept, Sign and Return the Offer
The offer will be the most cash and lowest fees available. Just sign and return the offer. If the offer isn't what you had hoped, not a problem, you can sell more or less of your annuity payments to meet your needs, guaranteed.


A Court Order is Obtained To Sell Your Annuity Payments
The court must approve your sale, and the buyer of your annuity payments will get an order from the judge in court. The judge will then reassign the legal right of the payments from you to the buyer so you can get your money!


The Buyer Sends Your Money via a Wire or a Check
The insurance company, which issued your annuity, receives the judge's order. They confirm payments will now be sent to the buyer. The buyer then sends your lump sum payment. You've got your money!

How can I sell my annuity?

If you are considering to sell your annuity payments for cash, you will want to read the following:

You may have been receiving an annuity for an extended period due to different reasons. Whether it is because of you were named the beneficiary of a deceased person, or you purchased the annuity yourself, you have options. You may also have received the annuity if you were a victim in a personal injury case. If you might be feeling like you aren’t making the most of your annuity and you want an option of cashing out for a lump sum right now, we can help connect you with the best annuity companies. You see, you don't want just to hire anyone, you want a company that has experienced annuity buyers. Normally, if you turn to the internet and search for companies that buy annuities, you might get connected with companies that have a "scam" label and not realize it. The decision to sell your annuity should not be taken lightly.

The question we are asked the most is which are the most trusted annuity settlement companies? These are also known as annuity buyout companies. Reading reviews online, which often are forged, or created by the corporation itself to earn your business, can be tricky. The best annuity companies are difficult to find. Our personal recommendation is DRB Capital.

Most Common Reasons To Sell Your Annuity


Investing In a Home of Your Own or an Investment Property
Real estate is not a cheap and to get that home of your dreams, you will have to spend money. Waiting for 15 years for your annuity to add up does not seem like a reasonable option. By selling your annuity, you’ll be able to use the lump sum to make a down-payment of your new house. You can even revamp your current home.


Funding a College Education For You or Your Children
College tuition is getting more and more expensive, and you might have been hearing stories about how people spend decades after college paying off their college debt. A lump sum payment from your annuity will ensure that the life after college will not be swamped with debt for you or your children.


Getting Rid of Your Debt to Lower Your Stress
There aren't many things in life more stressful than debt. It not only affects you emotionally, but it has been proven to harm your health too. End your stress now. You can use this lump sum to pay off credit card debts, student loans or any other debts that you’ve been dealing with over the years.


Starting / Investing in a Business or Your Own Business
Use your lump sum payment to invest in a business which you believe in and could be the difference in the life of you and your family. The sum could work as the necessary factor that jumpstarts your venture and gives it that extra push. You can use it to grow your existing business as well. The choice is yours.


Covering Overdue Medical Expenses
Let's face it, we have all had health issues which resulted in expensive treatments. Medical treatments are expensive and sometimes, your health insurance doesn't cover the everything. Especially for on-going medical treatments, a lump sum might be extremely beneficial to pay off those treatments to get you healthy again.


Purchase a Much Needed Vehicle For Your Family
Did you know that everything becomes simpler once you can pay for it straight up instead of paying it over the course of several years through a bank loan? It's true. Use the lump sum from your annuity to buy yourself or your family a new vehicle. This way it is stress-free without the hassles of a loan.

How Selling Your Annuity Works

Review our recommendations for selling your annuity payments the right way. Once you pick the right company and accept their offer, you will need to sign the agreement to sell your annuity. The experts you work with will then handle the entire process, and you will receive your lump sum by wire or check.

What You Should Know About Selling Annuity Payments - Top Questions Answered

"I want to sell my annuity sell for a lump sum, but I don’t know the process?"
As we outlined above, the process is simple, but you want to get a professional to help guide you through as there are areas which can get complicated.

  • Get all the paperwork associated with your annuity payments together before you contact anyone about selling your payments.
  • If you don't have your paperwork, you can get an expert to help pull your information from the national database of structured settlements and annuities.
  • Do your research carefully on who to hire to represent you to find a right buyer for your annuity payments. We wholeheartedly recommend DRB Capital as they guarantee to give you the best cash offer with the absolute lowest fees in the market.
  • Once you hire a rep and they get you an offer, you want to evaluate it, accept it by signing it and then returning the signed offer to the rep.
  • Annuities are often a structured settlement, and by law, a judge has to approve the sale to ensure it is in your best interests, and you aren't going to use the money for a purpose that will not benefit you and your family. For example, if you wanted the money to gamble with the judge is probably not going to approve of the sale of your payments.
  • Once the judge approves the sale of your payments the paper work is transferred to the new owner, so they will begin to receive your annuity payments.
  • 3-5 business days later your money will arrive in the form of a wire transfer or by certified check.

"Sell Annuity - The Inside Information"
Cashing in annuities is not a small task, nor one you should take on yourself. If you are looking to sell your annuity payments, you are probably in debt. Did you know that that average household carries $129,579 in debt? That level of debt constitutes at least $19,000 of interest per year. Think about that, paying $19k a year on interest on the unsecured debt. Factor in the interest you are paying on your home mortgage, and it can get downright frightening how much of your disposable income is going to just interest.

Can selling your annuity payments get you out of debt? Possibly, but consider the following tips to make the right decision not just for right now, but your long-term financial plan. Is your annuity payout weekly, monthly or annually?

  • Don't Rush Things. Your biggest mistake is to rush into a decision whether to sell or not to sell your annuity payments without taking the proper time to weight your options. Along with the debt number we listed above, did you know that one-in-five Americans are in debt hardship? If you are in the same boat, if you don't take your time through this process you could make a bad situation even worse.
  • Shop Around For The Best Deal. How do you know if the offer you get is the best one? Are they offering you a guarantee? What are the fees involved with the transaction? Are they upfront with all fees and costs associated with the transaction? List all the pros and cons so that you can make the right decision.
  • Get a Professional On Your Side. Selling an annuity isn't an easy task, it can be confusing, overwhelming and downright stressful. There are some companies which charge what is called a "surrender fee" and that can be 10% of your annuity payments. A professional can uncover these hidden fees and consult you for the best offer to take that will give you the most actual cash. Avoid getting surprised by having a professional on your side through the process.
  • Avoid Putting All Your Eggs In One Basket. Annuities are often a key to many people's current financial income, and you don't have to sell you entire annuity payments. You can just sell a portion if you wish. So think about it carefully before making a decision to take the measure of selling annuities for a lump sum cash out payment. Your annuity payments might be your current lifeline for your family, so make your decision carefully.
  • Sleep On It. This advice has been around since the dawn of time and it vital when it comes to deciding to "annuity cash out" your settlement.

"What happens to my annuity or structured settlement when I die?"
There are many annuities which end entirely upon the death of the annuity holder. Often, this is in the fine print and if you are receiving the settlement based on a personal injury. If this injury has affected your long-time health, your surviving spouse, children or relatives may not receive the total payments.

If you had good representation, your annuity payments should be protected in the event of your death to allow the payments to continue and be given to your stated beneficiaries. If you are unsure, you can check your policy and look for the phrase "guarantee period" or "period certain" regarding your payments.

Another phrase to look for is a "communication rider." This refers that if the policyholder should die, a discounted lump sum of payments will be paid to the policy holder's beneficiaries. This would be in place of the payments continuing as they have in the past. The main reason for this rider is for tax reasons.

The last phrase you should look for is "joint and survivor." This means the policy is shared between the holder and beneficiaries. Should the owner of the policy die, the payments will continue to the recipients as listed?

How To Cash Out An Annuity Early?
The process of selling or cashing out your annuity payments early is very straightforward and has been outlined throughout this page. Selling annuity payments is no different than selling a structured settlement.

How To Compare Annuities

Step One: Identify the Characteristics of Annuities

The first major distinction between annuities is that of either VARIABLE or FIXED.

Variable Annuities

Variable annuities are an INVESTMENT product “wrapped” in the guarantees of an insurance policy. Only those persons who are licensed to sell mutual funds AND life insurance can sell them. An important distinction between a variable annuity and a fixed annuity is that in the variable annuity the purchaser carries all the risk for the increase in the cash value of the product. The cash value is invested in mutual funds. The carrier will never guarantee an increase in the cash value of this product, and in fact, the cash value will fluctuate (and may lose value) due to market fluctuations


Because Jason was a both a licensed securities broker and a licensed life insurance agent he was able to sell Margret her variable annuity.

Fixed Annuities

Fixed annuities are considered a pure INSURANCE product and can be sold by any properly licensed life insurance agent. It is regarded as an insurance product because the insurer carries all the risk for the increase in the cash value of the product. In other words, the increase in the cash value will be via periodic interest payments guaranteed by the insurance carrier (even if the guarantee is a range). The cash value will not lose money due to market changes only because the cash is never invested in the market. (The cash value may decrease due to fees or withdrawals if the fees and withdrawals exceed the guaranteed growth – but more on that later.)


Because Michael was a licensed insurance agent, he was able to sell Chris and Michelle their fixed annuity. He could not have sold them a variable annuity because he was not licensed to sell mutual funds, nor could he have sold Margret her variable annuity. Either he or Jason could have sold Mark the immediate annuity he was considering.

Immediate vs. Deferred

The second significant distinction between annuities is that of either IMMEDIATE or DEFERRED. These terms refer to when income from the annuity starts.


Immediate annuities must begin income payouts after 30 days (if a monthly payout is requested) or after one (1) year (if an annual lump sum is required).


A deferred annuity allows payouts only after a specified period. After the specified period has passed the annuity owner can request income at any time.

Single Premium vs. Flexible Premium

The third major distinction between annuities is that of either SINGLE PREMIUM or FLEXIBLE PREMIUM. These terms refer to how money can be put into the account.


This purchased with one lump sum of money; no other amounts of money are accepted.


This is purchased with an initial lump sum of money (usually subject to a minimum); other sums of money (sometimes subject to a minimum) may be added as cash in basis on either a regular or irregular schedule.

All annuities are one or the other of these three characteristics.


This information acts as kind of a “road map” for you so you can “locate” exactly what type, and options to sell your annuity. Do you need all of this info to compare annuities? Not really. But you can use this info to rule out annuities that don’t meet your needs. For instance, if you know you will be adding money as time goes on you will need a flexible premium and you can just disregard those that only accept a single premium. Similarly, if you know you do not want to take income right away, you will be overlooking immediate annuities.

Who Buys Annuities?


Marcus was involved in an accident at work, which resulted in a trial. The injury Marcus suffered to his left hand was substantial and kept him from performing his job as he was left handed. Being a 17-year expert welder, this was devastating to Marcus. Even more stressful than being out of work and losing nearly all function of his left hand, the company he had been employed for over ten years took him to court to claim it was his negligence which caused the injury. Thankfully, the jury found in Marcus' favor, and he received a substantial settlement.

The settlement was paid out in an annuity payment setup, years later, Marcus found himself in a financial situation which he could see no way out of on his own. He saw a commercial on television stating they were experts in taking annuities for cash. He called and quickly realized that the company did not have his best interests as they offered him a mere 18% cash of what his annuity payments were worth.

Marcus learned a valuable lesson in just one phone call when someone has their back to the wall financially; they can often make a poor decision as he almost did, as the lump sum of cash for annuity payments sounds tempting. However, simple math will show why it is a bad deal and find a stable company, like DRB Capital which guarantees the highest cash payment along with the lowest fees in the annuity selling industry.


Chris and Michelle bought a Fixed Index Annuity. From the three listed criteria above, we immediately know this is a fixed deferred annuity, which may be either single premium or flexible premium (this info is not given in the case history). While this provides us with a little bit of info about the annuity (the insurance carrier shoulders the risk for the cash-value appreciation, and Chris and Michelle have a choice as to when they want to start income), it doesn’t give us enough information to perform any meaningful comparison.

NOTE: The word Index in the annuity Chris and Michelle bought refers solely to the way the interest is credited to the cash value and how the pension is going to be calculated. 


Margret bought a deferred variable annuity also non-specific for premium. Again, not enough information to perform any meaningful comparison between it and another pension option.


Mark was contemplating (but did not purchase) a fixed, immediate, single-premium annuity. In the annuity industry, this is usually called an SPIA (Single-Premium Immediate Annuity – pronounced spee-uh).

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Here are five easy ways to sell annuity payments without using a financial advisor and going straight to the source for the most cash right now while understanding every piece of risk and benefit before you agree.
  1. Understanding Where You Are Right Now and Where You Want To Go: Most people hate to answer this question, but you MUST know it before you make ANY financial decision when it comes to selling your annuity for cash. Check your financial accounts, and that means ALL of them. Do not include your investment accounts, only savings and checking. The financial accounts that if you had to withdrawal all of your cash out of the accounts today you could. This is your REAL number of where you are financially. If this number is LESS than your living expenses for three months, selling your annuity, or a portion of it, might be a very good idea. Especially if you are feeling financial stress in your life.
  2. Are you stressed and do you need income immediately: This goes hand-in-hand with the first question which was asked. Maybe you have come up against high medical bills, unexpected home repairs, or you’ve been out of work for a longer period than you expected. Life tends to throw curve balls at you from time to time, but you should focus on being thankful you have the annuity to help you through this difficult period of your life. This way of looking at things can help reduce your stress and you can better focus on your future.
  3. Do you have enough assets to get you through retirement: Do you have solid equity in your home? Do you have a solid investment portfolio? Do you have other assets of solid worth? This isn’t about just getting through the current financial crisis, this is also about protecting your financial future as well. If you don’t have any assets of worth and you have little to no equity in your home, you might want to rethink your strategy. Instead of selling your entire annuity, you might only want to sell a small portion of your annuity instead.
When it comes to getting the most out of your annuity, DRB Capital has experts that can walk you through each step to get the money you need right now, while protecting your long-term finances. Also, the person that is assigned to your case stays with you until you get approval. That means you won't be handled off to a different person with each step. We know, there is nothing more frustrating than having to repeat yourself all over again to a new person over your account. You will never have that happen to you with DRB Capital. Did you know you can sell your pension for cash? Take a deep breath and know that our experts are there when you cry out "Sell My Annuity Payment!" If you have an Allstate structured settlement, our staff is HIGHLY knowledgable on how to get the most from structured settlement.

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Selling Annuity Payments

Selling Annuity Payments

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