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Getting A Structured Settlement Lump Sum

Structured settlements are considered a blessing by many. Oftentimes someone may “win” a lawsuit, but then to their dismay they find out that they will be paid the monies over a period of the rest of their life! It’s not just lawsuits…it could be a worker’s compensation claim, an insurance claim from an accident, and much more.

The TV airwaves are full of commercials now-a-days touting that they provide the most reliable structured settlement lump sum deals, and while it may be true, it’s important to do your research and make sure you choose the right company before making any costly decisions.

Instead of waiting around for years to get that pay out, you can get a lump sum and make sure you can enjoy the money while you’re able! Some of the Pro’s to getting a structured settlement lump sum are:

  1. Get Money Quicker – This is the best and most efficient way to get a large amount of money at one time. You would then be in a better position to make investments, etc.
  2. Fight Inflation – Fight the sleeping giant. What many people don’t take into account is inflation. If your settlement doesn’t adjust with inflation, than you may actually save money by getting a structured settlement lump sum.
  3. Liquidity – Getting a structured settlement lump sum will ensure that you have money on hand in case of an emergency. This is a major plus and you should keep this in mind when making your decision.

Many people think about getting a lump sum because they have a good pulse on their finances and a good forward vision of what they want their finances to look like. Let’s admit it, right now were in tumultuous times, and almost all of the markets are very volatile. Right now cash is king, and with an economy as fragile as the one were in, it is important to have some cash on hand for that unexpected problem that always seems to pop up.

I covered the Pro’s of getting a structured settlement lump sum, so now I must explore the Con! The only real downside to getting a structured settlement lump sum is that you will have to offer your cash-flow at a discount. Let’s be real, all companies are in business to make money! Their goal is to turn a profit, so they must charge a rate for their services. This is common practice and rates can vary greatly from company to company. That is why I can’t stress enough how important it is to: #1- read all of the fine print, and #2 - do your research on the company before signing anything!

Don’t get caught up in any type of scam by not paying attention. Getting a structured settlement lump sum is a very important decision for someone to make, it could be the difference between getting a whole lot of money, or not! Just remember to go with a reputable company like Einstein Structured Settlements, and congratulations on your structured settlement win!