Resources

Be informed about the process and how to get a fair deal.

Each year, it is estimated that $1.8 billion of future payments are sold for only $600 million.

Sell your
structured settlement
in five easy steps.

CrowFly is with you
every step of the way.

Get an estimate

Register online

List your structured settlement

Finalize the sale

Close

Resources

Get the latest information about buying and selling structured settlements.

Free Download: Ebook for Structured Settlement Sellers

The selling process can be confusing - from figuring out whether your payments are sellable, to choosing a company to help you, to getting paid. Our ebook covers the information you should know about selling.

How to Sell Your Structured Settlement

We've broken down the qualifications needed to sell your structured settlement as well as the applicable laws and what annuitants like you can expect from the transfer process.

Purchasing Structured Settlements as Investments

It’s possible to buy the rights to another person’s structured settlement payments to get fixed income with a great yield. Here's how it works.

Litigation Loans: Getting Help Before Settlement Arrives

We assist people who have already received a settlement and are in need of funds, but we often get contacted by those who do not yet have a settlement but are still in need of funds.

Blogs

To Sell or Not to Sell Structured Settlement Payments? Start Here.

Something unexpected (and expensive) might have come up in your life, you need a lot of money right away, and you’re thinking about selling your structured settlement. Or, maybe you’re just wondering if you can “cash out” your future structured settlement payments and collect a lump sum. If that sounds like you, you’ve found a great place to start!

The Laws that Protect People Who Sell Structured Settlement Payments

There are several layers of federal and state laws that protect individuals who want to sell their future structured settlement payments. If you are weighing your options, this may be a helpful place to start. 

Why the Structured Settlement Marketplace Gets a Bad Rap

When you “sell” your future structured settlement payments, you are really transferring the rights to the payments in exchange for a lump sum. Sounds reasonable, right? Unfortunately, selling payments can mean entering the lion’s den of an industry that does not work in your best interest.

What is the Timeline to Get Cash for My Structured Settlement Payments?

If selling some or all of your future structured settlement payments is the right decision, there are a few factors that can determine the speed of the process.

The 4-1-1 on Maryland Structured Settlements

Maryland is known for being one of the more heavily-regulated states when it comes to guidelines for selling future structured settlement payments. Here's what you need to know.

How Often Do People Sell Structured Settlement Payments?

People who win a personal injury case and receive a structured settlement rely on their periodic payments to financially sustain themselves. But life happens, financial situations change, and emergencies and opportunities arise. 

Can I Pay for an Emergency Home Renovation with My Structured Settlement Payments?

If you have a structured settlement, it is possible that you could get cash for your future payments to pay for a home renovation. It first depends on whether the court agrees that it’s a good move for you. Then, it’s up to you to decide whether it’s the right thing to do.

3 Questions to Ask Before You Sell Your Structured Settlement for Cash

Selling your structured settlement is a big financial move for an annuitant to make. If you’re thinking of selling some or all of your future payments, here are a few questions to ask yourself -- and an expert -- before making the decision.

Why Can't I Sell a Structured Settlement Overnight?

If you want to sell your structured settlement payments and you’ve done your research, you probably know it can take weeks or months to finalize the transaction. Where does all the time go in the selling process?

A Surprising Type of Asset You Can Buy

Individuals and companies have the ability to buy the right to other people’s future payments from structured settlements. Purchasing future structured settlement payments has multiple benefits. 

What does the SECURE Act do?

The Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into law, becoming the farthest reaching retirement legislation in more than ten years. It helps people who are planning for their financial future in a variety of ways. 

What to Expect When You Call CrowFly

Whether you are in dire need to pay off medical or student loan debt, you want to start a new business venture, you need a new house, or it’s time for a new car, we are here to understand and listen to those needs. 

The DNA of CrowFly

CrowFly is an online marketplace connecting sellers and buyers of structured settlement payments. Nita Bhatia, COO of CrowFly, shares some of the core values that help strengthen the company internally.

Who Will Buy My Structured Settlement Payments?

Like many Americans, you may suddenly need an immediate sum of cash - and selling your future payments may be your only option. If that is the case for you, who are buyers of structured settlement payments?

Why Would I Sell My Structured Settlement?

By Beth Saiff, CrowFly Transaction Lead. There is a very easy immediate answer to the question, “why would I sell my structured settlement?” Technically, you can’t sell your structured settlement. Now you may be thinking: “What? Why should I keep reading?” 

Why Do Judges Have to Approve Structured Settlement Transfers?

Selling structured settlement payments if you have an urgent need for money shouldn’t cause more suffering. So, why does a judge need to be involved to approve the transfer of payment rights when they are your payments?

Investors Scramble for Yield as Growth Outlook Darkens

The world is again running low on yield. That is pushing investors to once again look farther afield for income and returns. In some cases, that requires investors to take more risk or lower their longer-term expectations, an unpleasant prospect.

How tort victims who need income can fix the structured settlement industry

Tort victims can be buyers of structured contracts or structured settlement annuities that are bought and sold every day.

CrowFly average discount rate (or how we get sellers more money)

Our average discount rate is extremely low. That means more money for you. Read more to understand how. 

How CrowFly Simplifies the Process of Transferring Rights to a Structured Settlement

As professionals with decades of experience in the settlement planning field, we have seen firsthand the difficulties and inefficiencies within the structured settlement exchange market. We developed CrowFly as a fair, legal alternative for people to buy and sell future structured settlement payments.

Washington Post: Fraudulent Factoring Companies in Maryland

Disclosures about how the structured settlement purchasing industry further vicitimized individiuals in Maryland that suffered from the effects of lead paint.

Find Structured Settlement Laws for Your State

Target

Frequently Asked Questions

Find the answers to the most common questions about structured settlements. Can’t find what you’re looking for here? Contact us

  • What is a structured settlement?

    A structured settlement is a guaranteed ongoing payment received by people who have settled a personal injury claim. These court assigned annuities are guaranteed and tax-free.

  • Why do people sell their structured settlements?

    There are many reasons people choose to sell part or all of their structured settlements. They may need a large sum to settle debt, pay for college or medical bills, buy a home, or start a business. For some, the payment may have been to care for a loved one who has since passed. For others, there may be no other asset available to manage unexpected expenses. Every case is different.

  • How is CrowFly different?

    In short, we are a platform that connects interested sellers directly with a new category of buyers - accredited investors, high networth individuals looking for guaranteed returns. We are not a "factoring" organization looking to buy low and sell high. Our service allows sellers to connect directly with vetted buyers, avoiding the steep costs often associated with selling a structured settlement. Learn more about how CrowFly works to help buyers and sellers make fair deals.

  • How much does it cost to use CrowFly?

    It costs nothing to register and there are no hidden fees. We charge the buyer a single transaction fee once the sale is finalized. The quote annuitants receive represents the full amount. There are no further deductions.

  • How long does the process take?

    Typically, it takes between 1 and 3 months to complete a sale depending upon the state you live in. We're with you every step of the way and make it easy to store, share, and sign mandatory paperwork. CrowFly also shows your progress so you know when to respond with needed paperwork or signatures. While wait times will vary based on court schedules, we help make sure the court process is as painless as possible.  

  • Is there a mobile application?

    At this time, we're sticking with an internet browser application that you can easily access from any desktop or mobile computer, smartphone, or tablet. If you want to see a mobile application, let us know that. We are code junkies and work everyday to improve the experiences of our customers.

  • Do I have a structured settlement?

    If you receive regular payments as a result of a personal injury claim or lawsuit, you likely have a structured settlement agreement. You can check with your life insurance company or contact us for help.

  • What kinds of payments can I sell?

    If you choose, you can sell all or a portion of the future payments from your structured settlement. At this time, annuitants with structured settlements from a personal injury claim or lawsuit can sign up with CrowFly. You can also refer to the terms of your original agreement to ensure that you can sell your structured settlement.

  • How do I find out what the rules are for selling structured settlements in my state?

    Generally, the process for selling future structured settlement payments is similar throughout th US. It requires a specific series of documents to prove you own the payments and justify why you want to sell them. Then you must appear in court to confirm for a judge that such a transfer is lawful and benefitial. Specific state regulation can be found in our list of state laws. 

    Don't worry. It may sound daughting, but CrowFly has your back the entire way. 

  • What is the difference between structured settlements and annuities?

    While both structured settlements and annuities can provide regular income, there are some key differences:

    • Annuities is a much broader term, covering investments and financial products from insurance companies that pay out a fixed stream of payments according to a specific schedule. 
    • Structured settlements are a type of annuity that is assigned by a court as a result of a claim or lawsuit. Another name for structured settlement is structured annuity. 
    • The terms of your structured settlement will determine your payment schedule. For example, you may receive payments once you retire or receive a monthly sum starting immediately.
    • Structured settlement payments are tax-free, which is not true for many other forms of annuity.
  • What is the difference between selling a structured settlement and receiving a loan?

    With a loan, someone—often a bank—is lending you money which must be paid back (with interest). Terms, including interest rates, vary and are often based on credit score, your ability to pay it back, and any collateral you can offer.

    When selling your structured settlement, you will receive a lump sum immediately for your future structured settlement payments, according to the sale terms. Sales are final and you do not need to pay this amount back to a bank or individual; the buyer will be essentially "paid back" by the future annuity payments.

  • How do I sell my structured settlement with CrowFly?

    Register with CrowFly and we'll work with you to determine if your settlement is eligible. Our easy-to-use platform will walk you through the process of connecting directly with an accredited investor and selling your settlement. 
    Sell your future payments in five steps

    1. Sign up
    2. Get an estimate
    3. List your settlement online
    4. Finalize the sale
    5. Close

    To start, register online and we'll work with you to list your settlement on our exchange. 

  • How much money can I get from selling my structured settlement?

    Use our free estimate tool to get an idea of what your settlement is likely to receive. If it sounds good, give one of our transaction navigators a call. We can walk you through the information we need to get you listed and find the best deal from a buyer.


    While everyone's situation will be different, our low fees and direct access to end investors mean you will generally receive more for your settlement than you would working with a traditional factoring company. 

  • How long will it take to receive my money?

    Depending on the state, completion of mandatory activities such as signing documents, and the court schedule, it takes 1 to 3 months to complete a sale and receive your money. 

    We will work with you every step of the way to keep you informed of progress and minimize the time it takes to get you your money.
     

  • Is there anything I can do to get my money faster?

    There are certain steps in the process that require your attention before we can move further. Check your CrowFly account and email regularly for important notifications. For example, you may need to sign a document or agree to a court date before the process can move forward. 

    Some organizations are willing to provide you with loan or money upfront. Consider these offers carefully as often there are implications including reduction of the overall payment you receive for your payments.
     

  • Why can't I sell my settlement for the full amount on my policy?

    Your settlement's present value will be lower than its future value (the total value of all your payments) due to inflation. Essentially, $1 today is going to be worth signficiantly less than $1 ten years from now. This effect can really add up if your payments are spread over a long time.

    You'll be selling your payments to an eligible investor who expects to receive an annual return on their investment. They agree to pay you a lump sum now in exchange for the opportunity to earn a fixed, guaranteed return from their investment over time. If they paid you the full present value of your payments, they would essentally be investing in something with no gain, paying you a $1 for a $1 later. 

    On the plus side, individual investors often require less return than what large "factoring" companies require, so you are saving money working with CrowFly.

  • Can I sell only some of my future payments?

    Absolutely! This is something that you should consider carefully and discuss with a knowledgeable financial advisor. Selling too little - resulting in selling multiple times - will increase your costs and decrease your outcome. But selling too much will often result in losing the tax advantages of the settlement.

    With CrowFly, you'll take a larger amount of the final sale so you may need to sell fewer payments than you expect. Use our estimate calculator to learn more. 
     

  • What kind of information do I need to get started?

    Registering on CrowFly is easy. Set up a profile with your conatact information as well as some information about your structured settlement. If you have a copy of your policy it will greatly streamline the process. In any case, once you're set up, our online service will walk you through each step of the process.

    Get started today.
     

  • What if I don't have the necessary records?

    Don't worry. In most cases CrowFly can directly request the required records from the insurance company that provides your payments. 

  • Will I need to contact my insurance company?

    Not normally. It is completely your decision to sell your future payments. We will work with your insurance company to complete the transaction using documentation that you sign.

  • Who will buy my structured settlement?

    Buyers on CrowFly are institutions or eligible investors that have been individually approved by CrowFly. All undergo rigorous vetting before they join to ensure a positive experience for both parties. 

    Structured settlements are an attractive investment option because they're guaranteed by reputable insurance companies and produce good relative returns. Investors looking to produce predictable future income may find your payments to be a good match rather than treasuries, bonds, or directly purchasing annuities.

  • How will I be paid?

    Payment will come via wire transfer or bank check. Note that a wire transfer will be faster. We are happy to work with you to ensure that we use the method that best suits your needs.

  • Why does a judge need to be involved in the sale?

    The settlement that you have as a result of a personal injury case is asssigned by the court in part to ensure its tax free status. The Federal Periodic Payment Settlement Act of 1982 therefore requires the sale of your structured settlement payments be approved in court. A judge acts as a mediator to ensure selling your structured settlement is in your best interest. A court approval is a mandatory part of the process though there are no legal fees attached.

  • What could prevent a judge from approving the sale?

    You must be able to show a good reason for the sale, that you understand the process, and that the sale will not cause hardship. We work with you to proactively address your needs in order to prepare you for the best possible outcome in court.

    Courts want to look out for your best interest. So they like to see selling payments because you have no other way to pay a debt, it is less expensive than your current forms of debt, your have an unseen emergency, or to invest in a unique opportunity that will improve your quality of life (a house or business).

    Courts don't like to see individuals selling so they can buy a slightly nicer car, to help their relative, to take a trip, or when selling would result in increased hardship in the future.

    Make sure you have looked at other options, like LendingTree or LendingClub, and fully considered what other options you might have. Give us a call and we can talk you through whether selling is a good option for you.

    NOTE: We have no affiliation with any noted lending services and simply provide them as examples of publicly available services.

  • How do I know I can trust CrowFly?

    CrowFly has existed since 2017 and our team has over 20 years of experience working with individuals and families who have structured settlements.  We work with some of the best lawyers across the country and we actively engage courts and social justice organizations to ensure ethical practices.

    The most important thing for us is knowing you're getting the best deal possible and finding the information you need when you need it. So if you are still not sure how to proceed, contact us. We are happy to work with you to get the best results.

    And if you still aren't sure, we encourage you to get quotes from other organizations and check them against our online estimate tool. We want you to know what you might be able to get right up front so we don't waste your time or ours.

  • Will I pay taxes on sale of my payments?

    No. If you have a structured settlement, all of your future payments are tax free under IRS US Code 26 section 104. And IRS US Code 26 section 130 makes any money you receive as result of a sale of those payments tax free, as long as it does not exceed the value of the payments.

    However, CrowFly is not a tax expert and we recommend consulting with your financial advisor or a tax expert to clarify how these regulations apply to your situation.

  • How can I become a buyer on CrowFly?

    Please contact us and we will work with you to confirm your qualifications. Once you are verified by our team as an accredited investor, we will get you set up on the platform so you can see the deals currently available and understand how guaranteed structured settlement payment yields can be better than other fixed-income investment options like bonds or treasuries.

  • What kind of asset is a structured settlement?

    Structured settlements are annuities, generally from highly rated, well-known insurance companies, that are assigned by a court to an individual who has settled a personal injury case.  If that individual decides that a lump sum payment would serve them better, they can transfer all or a portion of their future payments. Investing in guaranteed structured settlement payments through CrowFly offers the opportunity to buy highly rated paper directly from sellers who in the past have been constrained to a few factoring companies.

  • Is CrowFly a broker?

    No, we are not. We offer an online platform to connect buyers directly with sellers. We streamline the communication and negotiation process, enabling access to quality investment assets that previously have been restricted to a few investors.

  • What kinds of returns can I expect?

    Every deal is different, so you should look at the precise terms, insurance company, and payment details. However, we see buyers executing transactions between 3.5 and 5% yield in general. See how this compares to other available fixed-income assets.

  • Who is GoldStar?

    GoldStar Trust Company is our servicing partner. That means that they work with the annuity provider to ensure that future payments are made to you, the buyer, on time and to the right place.

    GoldStar is a well-established, trusted, and compliant financial institution with over $2 B in assets and a reputation in the industry for excellent service and results. They have over 25 years of experience as a Self-Directed IRA Custodian, Trustee and Escrow/Paying Agent and are a division of a bank that has been in business for over 100 years.

  • How do I close?

    Once your purchase has been approved on CrowFly, and you have provided a small deposit, the annuity will be removed from listings. A transfer attorney will set a court date to get final approval. We will work with you to finalize paperwork and, when the court issues the transfer order, we will request full payment. See the Buyer page for more details or contact us.

  • What are the structured settlement regulations in my state?

    Refer to the Resources page of our site to review regulations specific to each state.

General Questions
What is a structured settlement?

A structured settlement is a guaranteed ongoing payment received by people who have settled a personal injury claim. These court assigned annuities are guaranteed and tax-free.

Why do people sell their structured settlements?

There are many reasons people choose to sell part or all of their structured settlements. They may need a large sum to settle debt, pay for college or medical bills, buy a home, or start a business. For some, the payment may have been to care for a loved one who has since passed. For others, there may be no other asset available to manage unexpected expenses. Every case is different.

How is CrowFly different?

In short, we are a platform that connects interested sellers directly with a new category of buyers - accredited investors, high networth individuals looking for guaranteed returns. We are not a "factoring" organization looking to buy low and sell high. Our service allows sellers to connect directly with vetted buyers, avoiding the steep costs often associated with selling a structured settlement. Learn more about how CrowFly works to help buyers and sellers make fair deals.

How much does it cost to use CrowFly?

It costs nothing to register and there are no hidden fees. We charge the buyer a single transaction fee once the sale is finalized. The quote annuitants receive represents the full amount. There are no further deductions.

How long does the process take?

Typically, it takes between 1 and 3 months to complete a sale depending upon the state you live in. We're with you every step of the way and make it easy to store, share, and sign mandatory paperwork. CrowFly also shows your progress so you know when to respond with needed paperwork or signatures. While wait times will vary based on court schedules, we help make sure the court process is as painless as possible.  

Is there a mobile application?

At this time, we're sticking with an internet browser application that you can easily access from any desktop or mobile computer, smartphone, or tablet. If you want to see a mobile application, let us know that. We are code junkies and work everyday to improve the experiences of our customers.

Annuitant Questions
Do I have a structured settlement?

If you receive regular payments as a result of a personal injury claim or lawsuit, you likely have a structured settlement agreement. You can check with your life insurance company or contact us for help.

What kinds of payments can I sell?

If you choose, you can sell all or a portion of the future payments from your structured settlement. At this time, annuitants with structured settlements from a personal injury claim or lawsuit can sign up with CrowFly. You can also refer to the terms of your original agreement to ensure that you can sell your structured settlement.

How do I find out what the rules are for selling structured settlements in my state?

Generally, the process for selling future structured settlement payments is similar throughout th US. It requires a specific series of documents to prove you own the payments and justify why you want to sell them. Then you must appear in court to confirm for a judge that such a transfer is lawful and benefitial. Specific state regulation can be found in our list of state laws. 

Don't worry. It may sound daughting, but CrowFly has your back the entire way. 

What is the difference between structured settlements and annuities?

While both structured settlements and annuities can provide regular income, there are some key differences:

  • Annuities is a much broader term, covering investments and financial products from insurance companies that pay out a fixed stream of payments according to a specific schedule. 
  • Structured settlements are a type of annuity that is assigned by a court as a result of a claim or lawsuit. Another name for structured settlement is structured annuity. 
  • The terms of your structured settlement will determine your payment schedule. For example, you may receive payments once you retire or receive a monthly sum starting immediately.
  • Structured settlement payments are tax-free, which is not true for many other forms of annuity.
What is the difference between selling a structured settlement and receiving a loan?

With a loan, someone—often a bank—is lending you money which must be paid back (with interest). Terms, including interest rates, vary and are often based on credit score, your ability to pay it back, and any collateral you can offer.

When selling your structured settlement, you will receive a lump sum immediately for your future structured settlement payments, according to the sale terms. Sales are final and you do not need to pay this amount back to a bank or individual; the buyer will be essentially "paid back" by the future annuity payments.

How do I sell my structured settlement with CrowFly?

Register with CrowFly and we'll work with you to determine if your settlement is eligible. Our easy-to-use platform will walk you through the process of connecting directly with an accredited investor and selling your settlement. 
Sell your future payments in five steps

  1. Sign up
  2. Get an estimate
  3. List your settlement online
  4. Finalize the sale
  5. Close

To start, register online and we'll work with you to list your settlement on our exchange. 

How much money can I get from selling my structured settlement?

Use our free estimate tool to get an idea of what your settlement is likely to receive. If it sounds good, give one of our transaction navigators a call. We can walk you through the information we need to get you listed and find the best deal from a buyer.


While everyone's situation will be different, our low fees and direct access to end investors mean you will generally receive more for your settlement than you would working with a traditional factoring company. 

How long will it take to receive my money?

Depending on the state, completion of mandatory activities such as signing documents, and the court schedule, it takes 1 to 3 months to complete a sale and receive your money. 

We will work with you every step of the way to keep you informed of progress and minimize the time it takes to get you your money.
 

Is there anything I can do to get my money faster?

There are certain steps in the process that require your attention before we can move further. Check your CrowFly account and email regularly for important notifications. For example, you may need to sign a document or agree to a court date before the process can move forward. 

Some organizations are willing to provide you with loan or money upfront. Consider these offers carefully as often there are implications including reduction of the overall payment you receive for your payments.
 

Why can't I sell my settlement for the full amount on my policy?

Your settlement's present value will be lower than its future value (the total value of all your payments) due to inflation. Essentially, $1 today is going to be worth signficiantly less than $1 ten years from now. This effect can really add up if your payments are spread over a long time.

You'll be selling your payments to an eligible investor who expects to receive an annual return on their investment. They agree to pay you a lump sum now in exchange for the opportunity to earn a fixed, guaranteed return from their investment over time. If they paid you the full present value of your payments, they would essentally be investing in something with no gain, paying you a $1 for a $1 later. 

On the plus side, individual investors often require less return than what large "factoring" companies require, so you are saving money working with CrowFly.

Can I sell only some of my future payments?

Absolutely! This is something that you should consider carefully and discuss with a knowledgeable financial advisor. Selling too little - resulting in selling multiple times - will increase your costs and decrease your outcome. But selling too much will often result in losing the tax advantages of the settlement.

With CrowFly, you'll take a larger amount of the final sale so you may need to sell fewer payments than you expect. Use our estimate calculator to learn more. 
 

What kind of information do I need to get started?

Registering on CrowFly is easy. Set up a profile with your conatact information as well as some information about your structured settlement. If you have a copy of your policy it will greatly streamline the process. In any case, once you're set up, our online service will walk you through each step of the process.

Get started today.
 

What if I don't have the necessary records?

Don't worry. In most cases CrowFly can directly request the required records from the insurance company that provides your payments. 

Will I need to contact my insurance company?

Not normally. It is completely your decision to sell your future payments. We will work with your insurance company to complete the transaction using documentation that you sign.

Who will buy my structured settlement?

Buyers on CrowFly are institutions or eligible investors that have been individually approved by CrowFly. All undergo rigorous vetting before they join to ensure a positive experience for both parties. 

Structured settlements are an attractive investment option because they're guaranteed by reputable insurance companies and produce good relative returns. Investors looking to produce predictable future income may find your payments to be a good match rather than treasuries, bonds, or directly purchasing annuities.

How will I be paid?

Payment will come via wire transfer or bank check. Note that a wire transfer will be faster. We are happy to work with you to ensure that we use the method that best suits your needs.

Why does a judge need to be involved in the sale?

The settlement that you have as a result of a personal injury case is asssigned by the court in part to ensure its tax free status. The Federal Periodic Payment Settlement Act of 1982 therefore requires the sale of your structured settlement payments be approved in court. A judge acts as a mediator to ensure selling your structured settlement is in your best interest. A court approval is a mandatory part of the process though there are no legal fees attached.

What could prevent a judge from approving the sale?

You must be able to show a good reason for the sale, that you understand the process, and that the sale will not cause hardship. We work with you to proactively address your needs in order to prepare you for the best possible outcome in court.

Courts want to look out for your best interest. So they like to see selling payments because you have no other way to pay a debt, it is less expensive than your current forms of debt, your have an unseen emergency, or to invest in a unique opportunity that will improve your quality of life (a house or business).

Courts don't like to see individuals selling so they can buy a slightly nicer car, to help their relative, to take a trip, or when selling would result in increased hardship in the future.

Make sure you have looked at other options, like LendingTree or LendingClub, and fully considered what other options you might have. Give us a call and we can talk you through whether selling is a good option for you.

NOTE: We have no affiliation with any noted lending services and simply provide them as examples of publicly available services.

How do I know I can trust CrowFly?

CrowFly has existed since 2017 and our team has over 20 years of experience working with individuals and families who have structured settlements.  We work with some of the best lawyers across the country and we actively engage courts and social justice organizations to ensure ethical practices.

The most important thing for us is knowing you're getting the best deal possible and finding the information you need when you need it. So if you are still not sure how to proceed, contact us. We are happy to work with you to get the best results.

And if you still aren't sure, we encourage you to get quotes from other organizations and check them against our online estimate tool. We want you to know what you might be able to get right up front so we don't waste your time or ours.

Will I pay taxes on sale of my payments?

No. If you have a structured settlement, all of your future payments are tax free under IRS US Code 26 section 104. And IRS US Code 26 section 130 makes any money you receive as result of a sale of those payments tax free, as long as it does not exceed the value of the payments.

However, CrowFly is not a tax expert and we recommend consulting with your financial advisor or a tax expert to clarify how these regulations apply to your situation.

Buyer Questions
How can I become a buyer on CrowFly?

Please contact us and we will work with you to confirm your qualifications. Once you are verified by our team as an accredited investor, we will get you set up on the platform so you can see the deals currently available and understand how guaranteed structured settlement payment yields can be better than other fixed-income investment options like bonds or treasuries.

What kind of asset is a structured settlement?

Structured settlements are annuities, generally from highly rated, well-known insurance companies, that are assigned by a court to an individual who has settled a personal injury case.  If that individual decides that a lump sum payment would serve them better, they can transfer all or a portion of their future payments. Investing in guaranteed structured settlement payments through CrowFly offers the opportunity to buy highly rated paper directly from sellers who in the past have been constrained to a few factoring companies.

Is CrowFly a broker?

No, we are not. We offer an online platform to connect buyers directly with sellers. We streamline the communication and negotiation process, enabling access to quality investment assets that previously have been restricted to a few investors.

What kinds of returns can I expect?

Every deal is different, so you should look at the precise terms, insurance company, and payment details. However, we see buyers executing transactions between 3.5 and 5% yield in general. See how this compares to other available fixed-income assets.

Who is GoldStar?

GoldStar Trust Company is our servicing partner. That means that they work with the annuity provider to ensure that future payments are made to you, the buyer, on time and to the right place.

GoldStar is a well-established, trusted, and compliant financial institution with over $2 B in assets and a reputation in the industry for excellent service and results. They have over 25 years of experience as a Self-Directed IRA Custodian, Trustee and Escrow/Paying Agent and are a division of a bank that has been in business for over 100 years.

How do I close?

Once your purchase has been approved on CrowFly, and you have provided a small deposit, the annuity will be removed from listings. A transfer attorney will set a court date to get final approval. We will work with you to finalize paperwork and, when the court issues the transfer order, we will request full payment. See the Buyer page for more details or contact us.

What are the structured settlement regulations in my state?

Refer to the Resources page of our site to review regulations specific to each state.

Press

February 7, 2020

As the founder and CEO of Milestone Consulting in Buffalo, John Bair has spent 20 years creating structured settlements, typically for people who have “gone through hell.”

Bair has also watched the industry as about 10,000 people every year sell those settlement payments for immediate cash.

Read the full article on Buffalo Business First.

Download The Article

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