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transfer of structured settlement payment right Structured Settlement Partners can help convert long term income from a structured settlement or annuity into immediate cash you can use today. Our experience and national coverage in the financial marketplace means immediate and local attention to help get the most value from your structured settlement. Get the instant cash that you deserve for your structured settlement, annuity, or lottery winnings. Here are two reasons you might have to sell your settlement: 1. Change in Financial Circumstances or Need Although structured settlements are designed to meet recipients' needs at the time of their creation, those needs frequently change over time. Structured settlement agreements fall out of step because they are "set in concrete." That is, the payment plan is usually, fixed and inflexible and not subject to renegotiation. By selling all or a portion of his or her payments the recipient can in effect alter the payment plan. This form of alteration simply recognizes that what is best for the recipient cannot be determined once for all time. Ultimately, the recipient herself or himself must decide whether the scheduled payments continue to meet her or his best interests. 2. Avoidance of Debt Creation One way to raise needed funds is borrowing. Borrowing, however, creates a debt for principle and interest. In fact, interest expense can double the cost of repaying a long-term loan. Furthermore banks and finance companies have strict lending policies and borrowers must satisfy their credit requirements. On the other hand, a full or partial assignment of structured settlement rights does not create indebtedness. The annuitant receives the money he or she needs now without strings. Since the money being paid is not a loan, the annuitant-assignee has no debt and no payments to make. And because the investor is relying on the annuity company's

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