LIFE CONTINGENT STRUCTURED SETTLEMENT PAYMENTS
& LIFE CONTINGENT ANNUITY PAYMENTS

If you are looking to sell life contingent structured settlement payments or life contingent annuity payments, choosing the right company is critical.  The process of getting a lump sum of cash in exchange for life contingent structured settlement payments or life contingent annuity payments is more involved and requires a greater degree of technical expertise than is required to effectuate sale of standard structured settlement payments.  Unlike many of our competitors, TMT Capital Solutions has the unique blend of experience, resources and relationships to ensure we can follow through with our commitment to get you cash for life contingent structured settlement and annuity payments.

A. What are Life Contingent Structured Settlement Payments

Life contingent structured settlement payments are, of course, guaranteed in the sense that if you are living at the time the life contingent structured settlement payment or payments become due, the life insurance company is obligated to make the life contingent structured settlement payments to you.  However, the significant difference between life contingent structured settlement payments and fully guaranteed structured settlement payments is that if you are not living when the life contingent structured settlement payments become due, the insurance company or annuity issuer does not pay the structured settlement payments to your heirs and beneficiaries.  In other words, the company’s obligation to make life contingent structured settlement payments or life contingent annuity payments cease upon the death of the original payee.

Generally speaking, there are three ways people generally refer to these type of structured settlement payments:

  1. Life Contingent Structured Settlement Payments
  2. Out of Guaranteed Period Structured Settlement Payments
  3. Non-Guaranteed Structured Settlement Payments (NonGuaranteed Structured Settlement Payments)

B.  How Do You Know if You have Life Contingent Structured Settlement Payments or Life Contingent Annuity Payments

How can you tell if your structured settlement payments are life contingent? One way is to contact us and we will walk you through the documents. There is absolutely no cost, expense or obligation to have us assist you in determining if your structured settlement contains guaranteed and/or non-guaranteed structured settlement payments. 

Alternatively, you can look at the documents yourself and see if the wording indicates the structured settlement payments are non-guaranteed or life contingent. The type of wording in the settlement to look for are phrases like "for as long as you live..." or "for life thereafter....".  These phrases are often an indication that some or all of the future structured settlement payments are life contingent.  In reviewing the documents, it is important to keep in mind that your structured settlement or annuity may contain payments that were or are fully guaranteed for a specific period of time and then after that period, structured settlement payments that are only payable if you are living.

C. How Do You Know How Much Your Life Contingent Structured Settlement Payments are Worth and What is the Process of Selling Them

The value of your life contingent structured settlement and life contingent annuity payments varies based on a host of factors, including, but not limited to: the annuity issuer, when the payments are due, the amount of the payments, and your age.
If you are interested in (1) assessing whether you have life contingent structured settlement payments (2) the value of those life contingent structured settlement payments or (3) free cash quote for your life contingent structured settlement payments, please contact us for a free, no obligation, no pressure discussion.  We will take all the time required to explain what is involved in cashing out life contingent annuity payments and life contingent structured settlement payments. 

Please contact us at Info@TMTFunding.com if you are interested in learning more about how much cash we can get you immediately for life contingent structured settlement payments or life contingent annuity payments.

 

 

 

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