Common Questions

You have questions. We have answers.

Everything you need to know about guaranteed income streams, how purchasing works, and what to expect — plus how to reach us directly.

Are these payments really guaranteed?+
Yes. The payments are court-ordered and remain the obligation of the original insurance carrier — typically A-rated names. Your income depends on the carrier's claims-paying ability, not on stock or bond markets. This is why we describe them as guaranteed fixed income.
How is my yield determined?+
You purchase the right to a fixed schedule of future payments at a discount to their total value. That discount produces your effective annual yield, which is locked the day you fund and does not change for the full term — regardless of what interest rates do afterward.
What's the minimum to get started?+
It varies by deal. Split portions can start in the single-digit thousands, while full streams range higher. Browse our live inventory to see current purchase prices, or call us and we'll match you to something that fits your budget and timeline.
Can I use my IRA or retirement funds?+
Yes. We accept both qualified (IRA, 401(k) rollover) and non-qualified (cash) funds, and we work with one of the largest self-directed IRA companies in the country to make funding from a retirement account simple and seamless. Using a qualified account can allow your income stream to grow tax-deferred. We're not tax advisors, so we'd encourage you to confirm specifics with yours.
What happens after I reserve a deal?+
We confirm availability, walk you through the paperwork, and the payment rights are formally assigned to you via the court-approved transfer. Once funded, payments arrive on the fixed schedule shown on the deal's fact sheet. There's no cost to reserve, and no cost to you if a transaction isn't approved.
Can I sell payments I already own?+
Absolutely — that's the other half of what we do. If you hold a structured settlement or annuity stream you'd rather convert to a lump sum, visit our Sell Your Payments page or call us for a free, no-obligation offer.
In Their Words

What our clients say

★★★★★

"Todd took the time to explain everything until I actually understood it. No pressure, no jargon — just straight answers. My income has been right on schedule ever since."

— Dave M.
★★★★★

"After getting next to nothing on my CDs, this was a breath of fresh air. The yield is real and it's guaranteed. I only wish I'd found them sooner."

— Danny L.
★★★★★

"They treated me like family, not a transaction. Every question answered, every payment exactly as promised. I've already referred two friends."

— Kathy R.
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Whether you’re ready to reserve a deal, want to sell payments, or just have a question — send a note and a real person gets back to you.

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888-363-5252
Direct
954-263-8857
Email
info@mjsettlements.com

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