Sell your structured settlement
with confidence

Lower Costs,
More Transparent,
No Obligations.

Find out how much your asset is worth with our free calculator, then connect directly with buyers of future structured settlement payments on our online marketplace.

Sign Up

What am I selling?

You are selling a fixed-income asset in the form of a structured settlement in exchange for cash now.

iYour structured settlement, which was agreed-upon and issued by a court to be paid out in periodic payments to the plaintiff (you), can be a means of guaranteed income. But unexpected life events can arise, and you may find yourself needing immediate financial assistance with limited savings.

CrowFly understands this situation is a common occurrence for many Americans. That's why we're here to help, guide, and support you. We'll help you understand how much your structured settlement could be worth, find vetted buyers of your future payments, and finalize the sale of your structured settlement, all while ensuring your best interests are met with minimal costs and no superfluous fees. That's the CrowFly way. 

What can sellers expect with CrowFly?

iOur team of experienced advisors provide you resources to help you make the most informed decision when selling your future settlement payments. We'll be completely transparent throughout the whole process; we have nothing to hide.

The CrowFly discount rate, full transparency, and free resources.

iEach state has unique transfer of ownership laws for assets, so make sure you know the laws in your state with our online reference guide.

Navigation of federal and state structured settlement laws.

iThe process of selling structured settlements can be daunting, but CrowFly doesn't believe it should be. Our platform removes the middleman to reduce costs to the seller.

Turning your future settlement payments into a lump sum at the lowest cost to you.

i

1Source: AM Best Ratings

CrowFly Discount Rate

CrowFly Discount Rate
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

  • 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.

Seller 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.

CrowFly is built to help

Annuitants of structured settlements can connect easily with individual and institutional investors using CrowFly. Get cash now to address an immediate financial need by selling your structured settlement with CrowFly. 

Sign Up

Get the most out of your structured settlement.

Our proprietary platform removes the middleman from the selling process, so you can get the most money from selling your structured settlement.

Here's how it works

Know your settlement's worth

Our free calculator can give you an idea of how much you can sell your structured settlement to accredited buyers for.

Register with CrowFly

Get started! Submit your information through our secure online portal, and we'll make sure you're eligible to sell your structured settlement.

List your future settlement payments

Once you're verified, we'll list your future structured settlement payments on our proprietary marketplace to find a buyer through our vetted network of investors.

Sell your structured settlement

Our team of advisors will be there every step of the way to finalize your transaction once a quote  has been accepted and the sale begins.

Finalize the sale

Once the transaction has been approved, you have successfully sold your structured settlement! You will receive a lump sum payment from CrowFly.

Learn more

Learn more about our structured settlement marketplace.

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