Sell your structured settlement
with confidence

Lower Costs,
More Transparency,
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

  • How do I know if 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 rather than another type of annuity. You can check with your life insurance company or contact us for help.

  • Can I sell my structured settlement payments?

    At this time, annuitants with structured settlements from a personal injury claim or lawsuit are able to sign up to sell some or all of their future payments with CrowFly. You can also refer to the terms of your original agreement to ensure that you can sell your structured settlement, as it can differ case by case.

  • What are the structured settlement rules in my state?

    You can consult our state by state guide for selling future structured settlement payments at https://crowfly.com/learn-more/state-structured-settlement-laws.

  • What is the difference between a structured settlement and an annuity?

    "Annuity" is a broad term that refers to investments and financial products from insurance companies that pay out a fixed stream of payments according to a specific schedule. Learn more about annuities.

    A structured settlement is a type of annuity that is assigned by a court as a result of a claim or lawsuit. Another name for a structured settlement is a structured settlement annuity.

    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?

    Selling your structured settlement payments is not the same thing as taking out 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 of cash 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.

  • 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 or annuity?

    Use our free estimate tool to get an idea of how much money you may be able to get for your future structured settlement payments. If you decide you're interested in learning more, give our transaction navigators a call and we can work with you to get you the most accurate quote.


    While everyone's situation will be different, our low fees and direct access to buyers mean you will generally receive more for your settlement than you would when 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?

    You can not get the money from your structured settlement instantly as there are certain steps in the process that involve other parties, such as the court, and these must all be completed before a sale can be finalized.

    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 a loan or money upfront. Consider these offers carefully, as there are often consequences to taking this money, including a reduction of the overall payment you will receive for your payments.

  • How much does it cost to sell a structured settlement?

    Technically, it does not “cost” you anything to sell your structured settlement. What will vary is the amount of money you receive for your structured settlement payments. Due to inflation, the payment you receive today will be less than the dollar amount your overall settlement is actually worth in the future. That will always be the case.

    The investors who buy your structured settlement make money on the return of their investment over time. Because we help you connect directly with individual investors, with CrowFly you will receive more money compared to if you work with a large "factoring" company, who will take a large fee from the transaction.

    Use our structured settlement calculator to find out what you can expect to be paid for your structured settlement today.

  • 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 significantly less than $1 ten years from now. This effect can really add up if your payments are spread over a long time.

    Learn more about what your structured settlement payments are worth today.

  • Can I sell only some of my future structured settlement 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 contact 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. They like to see that you are selling payments because you have no other way to pay a debt, it is less expensive than your current forms of debt, you have an unseen emergency, or you'd like to invest in a unique opportunity that will improve your quality of life (college, a house, or a business for example).

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

  • 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. We are approved to operate in all 50 states. Learn more about our story.

    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 the 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

How do I know if 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 rather than another type of annuity. You can check with your life insurance company or contact us for help.

Can I sell my structured settlement payments?

At this time, annuitants with structured settlements from a personal injury claim or lawsuit are able to sign up to sell some or all of their future payments with CrowFly. You can also refer to the terms of your original agreement to ensure that you can sell your structured settlement, as it can differ case by case.

What are the structured settlement rules in my state?

You can consult our state by state guide for selling future structured settlement payments at https://crowfly.com/learn-more/state-structured-settlement-laws.

What is the difference between a structured settlement and an annuity?

"Annuity" is a broad term that refers to investments and financial products from insurance companies that pay out a fixed stream of payments according to a specific schedule. Learn more about annuities.

A structured settlement is a type of annuity that is assigned by a court as a result of a claim or lawsuit. Another name for a structured settlement is a structured settlement annuity.

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?

Selling your structured settlement payments is not the same thing as taking out 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 of cash 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.

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 or annuity?

Use our free estimate tool to get an idea of how much money you may be able to get for your future structured settlement payments. If you decide you're interested in learning more, give our transaction navigators a call and we can work with you to get you the most accurate quote.


While everyone's situation will be different, our low fees and direct access to buyers mean you will generally receive more for your settlement than you would when 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?

You can not get the money from your structured settlement instantly as there are certain steps in the process that involve other parties, such as the court, and these must all be completed before a sale can be finalized.

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 a loan or money upfront. Consider these offers carefully, as there are often consequences to taking this money, including a reduction of the overall payment you will receive for your payments.

How much does it cost to sell a structured settlement?

Technically, it does not “cost” you anything to sell your structured settlement. What will vary is the amount of money you receive for your structured settlement payments. Due to inflation, the payment you receive today will be less than the dollar amount your overall settlement is actually worth in the future. That will always be the case.

The investors who buy your structured settlement make money on the return of their investment over time. Because we help you connect directly with individual investors, with CrowFly you will receive more money compared to if you work with a large "factoring" company, who will take a large fee from the transaction.

Use our structured settlement calculator to find out what you can expect to be paid for your structured settlement today.

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 significantly less than $1 ten years from now. This effect can really add up if your payments are spread over a long time.

Learn more about what your structured settlement payments are worth today.

Can I sell only some of my future structured settlement 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 contact 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. They like to see that you are selling payments because you have no other way to pay a debt, it is less expensive than your current forms of debt, you have an unseen emergency, or you'd like to invest in a unique opportunity that will improve your quality of life (college, a house, or a business for example).

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

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. We are approved to operate in all 50 states. Learn more about our story.

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 the 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.

GET STARTED Contact Us