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Selling a Structured Settlement for Cash Now: Pros and Cons

Are you unsure if you should sell a portion of your structured settlement? Have you thought about it but just aren’t sure if its the right thing to do? There are several pros and cons to selling a portion of your structured settlement or annuity.

Pros
-If you need money immediately for something that has come up suddenly, you can get a lump sum quickly from an annuity company
-You have the freedom to do whatever you please with the money
-Don’t have to wait around for checks every month or lumps that are far out in the future
-Immediate financial security

Cons
-You will received less than your original settlement, basically a fee for taking your money earlier than they wanted to pay it
-You may end up needing money later on down the road but you sold it all, although there is no way to predict these kinds of events