Structured Settlements
A structured settlement is an agreement to make future payments over time in exchange for a release of liability, usually resulting from a personal injury or other form of tort claim. Structured settlement payments can be inflexible and often fail their intended purposes, particularly in cases when individuals receiving structured payments are faced with a financial emergency.
Liquidating a portion of a structured settlement is oftentimes at best the most beneficial option, or at worst the only solution to a critical financial need. How can someone sell future payments? Settlement Capital Corporation’s experience with the purchase of structured settlements and individually owned annuities is the most extensive in the industry. SCC can purchase all or a portion of a future payment stream to meet a customer's emergency financial needs for: - medical expenses
- debt elimination
- education costs
- new business opportunities
- new home or automobile purchases.
SCC advises its customers to sell only that portion of a payment stream necessary to satisfy a current need. And, we develop each payment transaction around the customer’s specific financial needs by offering a variety of purchase options: SCC’s underwriting criteria among the strictest in the industry, ensures the quickest possible transaction with the highest return for its customers. SCC will buy future payments from you! | | Annuity Settlement Capital Corporation provides immediate cash to individuals who have purchased an annuity policy, are receiving periodic payments, but are facing a financial situation where they can no longer wait out the terms of the annuity contract. Individually Owned Annuities
A fixed or variable annuity is a contract between an annuitant and an insurance company, where the insurer agrees to make periodic, structured payments to the annuitant or his beneficiary. Structured payments can begin immediately, or start at a future date. Annuities payments are typically paid until: - the death of an annuitant
- for a determined period of time
- as a fixed amount until the funds are depleted
Under current tax laws an annuity can grow through compound interest without an annuitant having to pay taxes on earnings until he actually receives funds as income. Investors normally choose either a variable annuity to take advantage of the opportunity to outpace inflation or a fixed annuity with a predictable rate of return and income stream. Fixed Annuity
Fixed annuities provide steady, guaranteed growth with payments earning a fixed, guaranteed interest rate for a specific period of time. Variable Annuity
As its name implies, a variable annuity's rate of return is not fixed, but varies with the stock, bond or money market account tied to its investment option(s). There is no guarantee that a variable annuity will earn a substantial return on an investment. Because of their risks, variable annuities are securities registered with the Securities and Exchange Commission (SEC). The SEC and NASD also regulate sales of variable insurance products. Single Premium Annuity
A variable annuity can be purchased with either a single purchase payment (single premium annuity), or a series of purchase payments. Most single premium annuities require a minimum investment, but do not require an upper limit on the amount of the purchase. (Large inheritance beneficiaries often see these annuities as a logical choice.) In recent years purchasing annuities has been a popular CD alternative investment strategy since an annuity pays a higher rate than a CD and allows for a tax deferment. As with a CD an investor places a sum of money into the annuity for a period of time – usually 2 and 5 years, although many opt for a longer-term plan. | | Lottery Winnings Who hasn’t dreamed of someday winning the lottery? For the lucky few who do win, there's a bit of a learning curve that comes with such a huge financial windfall. For example, anyone choosing to receive an incremental payout should know that their winnings will usually be rolled into an annuity and paid out to them over a 20-25 year period. If the winner considers the historical rate of inflation (even at the present and low rate or 3-4%), the rising cost of living and withholding taxes, which have steadily increased in some states over the last few years, he or she may decide that investing a lump sump payout now might be preferable for them in the long run. In fact, a lump sum payout invested or applied wisely can overshadow the original amount of the winnings by the end of the original 25-year payout period! Settlement Capital offers to buy future payments from lottery winners in exchange for a lump sum payout, giving them opportunity to make the most of their winnings now, while allowing them to prepare wisely for the future with a variety of options: - Lump sum payoff
- Partial lump sum payout
- Restructured payment stream
Settlement Capital Corporation provides the best value in the industry
SCC provides the best value and customer service in the industry with a choice of payment options, flexible buying power and A Best Price Guarantee. For more information or to receive a free quote, complete our contact form or call 1(800) 959-0006. Settlement Capital Corporation pays cash now for future payments. We buy future payments! |
| History Founded in 1988 and headquartered in Dallas, Texas, Settlement Capital Corporation (SCC) established the secondary market for structured settlement payments and is the recognized industry leader. SCC has continued to pioneer the industry for 15 years with specialty financing to provide liquidity to owners and holders of periodic payments resulting from legal judgments, lottery winnings, individually owned annuities, royalties, government and commercial contracts and other secured future payment obligations. Settlement Capital Corporation has been purchasing structured settlements longer than anyone in the industry and has earned the highest trust of brokers, law firms, the insurance industry and estates and private individuals nationwide. We have the most experience in the industry in dealing with insurance companies, the courts and state and federal legislatures. SCC is the best choice when you want to sell annuity payments, periodic payment contracts or insurance benefit payments. As a founding member of the National Association of Settlement Purchasers (NASP), SCC is committed to the highest ethical and professional standards, for the company and the industry. SCC seeks investment partners and customers with the same level of integrity as it has always been in SCC's interest to develop long-term relationships with customers and partners. SCC will buy future payments from you! Settlement Capital Corporation, the oldest, most trusted and experienced company in the industry has a line of credit to back any transaction with a variety of cash options: New federal and state laws now govern structured payment purchase transactions – public policy that SCC was instrumental in changing – and have streamlined the process. Waiting out a structured settlement purchase is a thing of the past. Mission Statement
Settlement Capital Corporation (SCC), a structured settlement broker, and its affiliates are financial service and investment companies dedicated to providing liquidity to owners and holders of structured settlement annuities, periodic payment contracts, structured settlements stemming from legal judgments, lottery winnings, structured annuity settlements, royalties, government and commercial contracts and other secured future payment obligations. Service Philosophy Principles
SCC ensures the utmost in reliability, quality of service, superior product and market knowledge, flexibility and product diversity. SCC provides its customers with the most competitive rates and the best value in the industry. Core Values
SCC recognizes the value of its customers, employees and intermediaries and seeks to promote mutual trust and respect. We are committed to developing and maintaining loyalty and professionalism through continually improving service and professional knowledge. |
