Payment Stream Group

Sell Your Annuity Payments and Receive an Immediate Lump Sum of Cash

Payment Stream Group is a direct annuity payment buyer serving clients across all 50 states. Get a free, no-obligation quote and access the full value of your annuity — on your timeline.

Annuity payments are designed for long-term financial security, but life does not always follow a long-term schedule. Whether you hold a fixed annuity, an insurance-funded annuity from a legal settlement, or an inherited annuity from an estate, we can help you convert those future payments into a single, immediate lump sum — through a transparent, legally compliant process with no upfront costs.

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  • What We Purchase

What Types of Annuity Payments Does Payment Stream Group Purchase?

We work with a broad range of annuity structures across all 50 states.

Settlement-Funded Annuities

Annuities purchased by an insurance company as part of a structured legal settlement. These are among the most commonly sold annuity types and are subject to the same court-approval requirements as structured settlements.

Fixed Annuities

Annuity contracts that pay a predetermined amount on a fixed schedule — monthly, quarterly, or annually. If your fixed annuity payments no longer match your financial priorities, we can offer a competitive lump sum in exchange for all or a portion of your remaining payment stream.

Inherited Annuities

If you have inherited an annuity as a beneficiary of an estate or trust, you may be eligible to sell some or all of those future payments for immediate cash. Eligibility depends on the original contract terms — our advisors will review your specific situation at no cost.

Lottery Annuities

Lottery jackpots paid in annual installments over 20 to 30 years are also purchasable. If you hold a lottery annuity and would prefer a lump sum, Payment Stream Group can provide a competitive offer.

  • Honest Guidance

Is Selling Your Annuity Payments the Right Decision?

Selling your annuity is a significant financial decision, and we encourage every client to consider it carefully. Here are the key factors to weigh.

Financial Relief & Debt

  • You have an immediate, significant financial need that scheduled payments cannot address

  • You carry high-interest debt whose cost exceeds the benefit of maintaining your annuity stream

  • You have identified an investment or business opportunity with strong returns

  • Your life circumstances have changed materially since the annuity was established

  • You only need to sell a portion of your payments — not the entire stream

Reasons to Think Carefully Before Selling

  • Annuity payments provide guaranteed long-term income that a lump sum, once spent, cannot replace

  • The discount rate applied will reduce your lump sum below the total face value of remaining payments

  • Tax implications can vary depending on the type of annuity — consulting a tax advisor is recommended

Payment Stream Group will never pressure you to sell. Our advisors are trained to help you assess your situation honestly — and to tell you when selling may not be in your best interest.

Speak With an Advisor to Explore Your Options

  • The Process

How to Sell Your Annuity Payments — The Process Explained

Free Quote

Share your annuity contract details and payment schedule. We prepare a lump sum offer — typically within 24 hours — at no cost and with no obligation.

Offer Review

Your advisor explains the offer in full: discount rate, present value calculation, and net lump sum amount. No fine print. No surprises.

Documentation & Filing

For settlement-funded annuities, we prepare and file the required court petition on your behalf. For other annuity types, we manage all transfer documentation and coordinate with the issuing insurance company.

Approval & Funding

Once all approvals are in place, your lump sum is disbursed directly and securely. Timeline varies by annuity type — your advisor will provide a realistic estimate at the time of your quote.
Start Your Free Quote Today

Find Out What Your Annuity Payments Are Worth Today

Get a free, no-obligation lump sum quote from a licensed advisor. We will review your annuity contract and explain your options clearly — with no pressure to proceed.

Request My Free Annuity Quote
Call Us: (866) 471-2664