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Structured Settlement Brokers vs Finders

Spread out over a specific amount of time, structured settlement payments are designed to pay a person a specified amount of money in regular installments. Product liability lawsuits, personal injury lawsuits, and other court cases have popularized structured settlements as a payout option.

A person receiving a structured settlement does not get all of the settlement money in one lump sum. Instead, the payout is spread out in reliable and convenient regular payments. Finding a trained professional to help you out is imperative for getting the best structured settlement possible for your situation.

Finders and brokers are the two primary types of structured settlement professionals. The monetary payout schedule that comes with your settlement is facilitated and negotiated by both types of providers. There are a variety of difference between the two, and figuring out which is best for you is the purpose of this article.


A broker in most cases is an agent who is working on behalf of a large company or other organization. They are very involved in the entire process. They provide the following services:

  • Negotiating the specific terms of the settlement
  • Taking care of all the small details
  • Creating the final structured settlement deal
  • Gathering the required documentation
  • Facilitating and negotiating the structured settlement payments

During the entire process, the structured settlement broker serves as a middleman. After the lawsuit is settled in court, the broker is the one who goes back and forth between the defendant and the plaintiff. The broker’s job is to organize how the money will be paid out after the established amount is already settled.


A structured settlement finder, unlike a broker, is not working on behalf of a larger company. They are typically lone wolves, going about their business on their own. To find clients in need of structured settlement services, finders will often times create relationships with larger organizations and companies.

Much of the finder job description is the same as a broker. Facilitating and negotiating structured settlement deals and other daily tasks are pretty much the same for both types of agents. However, finders get their name because they primarily find those in need of services before referring them to the broker or company they are associated with.

Which Is Right for You?

There are a few major differences between structured settlement finders and brokers though they have many of the same responsibilities and perform many of the same actions. Finders generally connect you with the people that can help you, while brokers can take you through the entire process on their own. In this way, brokers can sometimes be better if you do not want to deal with multiple people.

The specifics of your settlement, your personal preferences, and the specifics of your lawsuit will determine if a structured settlement finder or broker is better for your purposes. It is much more important for you to find a structured settlement professional who is invested in your situation and reliable. You do not want someone who is just interested in making money off their fess.