How to Maximize Your Offer When Selling a Structured Settlement

Get the best deal for your settlement—discover expert strategies for maximizing your lump sum offer and avoiding common pitfalls.

Last Updated: June 3, 2025

Key Strategies to Maximize Your Offer

Get Multiple Quotes

Compare offers from several reputable buyers to ensure you get the best deal. Don't settle for the first offer you receive.

Improve Your Credit

A better credit score can sometimes help you qualify for better offers or terms. Pay down debts and check your credit report.

Time the Market

Interest rates and market conditions affect offers. If possible, sell when rates are favorable.

Negotiate the Offer

Don't be afraid to negotiate. Ask for better terms, lower fees, or a higher lump sum.

Understand All Fees

Make sure you know all costs involved. Ask for a breakdown of fees and compare them across buyers.

Avoid Common Pitfalls

Read the fine print, avoid high-pressure tactics, and don't sell more payments than necessary.

Consult a Professional

A financial advisor or attorney can help you evaluate offers and avoid mistakes.

Use a Calculator

Estimate your lump sum with our free calculator to set realistic expectations.

Frequently Asked Questions

Get multiple quotes, improve your credit, time your sale, negotiate, and avoid common mistakes. See the strategies above for more.

A higher credit score can sometimes help you qualify for better offers or terms.

Yes, you can and should negotiate. Compare offers and ask for better terms.

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