Consumers choose to sell structured settlements for many reasons. While many sell their payments to help with college tuition, debt reduction, medical expenses mortgage payments, most people sell their settlement to gain financial flexibility when personal or financial needs change. 

However, consumers often are unaware of their options when selling structured settlements.

Selling Structured Settlements May Be Risky – Exercise Caution
Companies that purchase structured settlements and annuities profit by giving sellers huge lump sums that are actually smaller than the discounted face value of the payments.