Lump Sum Structured Settlement Buyout

A lump sum structured settlement buyout allows you to sell all or most of your future payments in exchange for a single, immediate cash payout. This option is ideal for people who need substantial funds quickly—whether for emergencies, debt payoff, home purchases, business opportunities, or major life changes.

Before choosing a lump sum buyout, review our structured settlement knowledge base and our main structured settlement buyouts page to understand how valuation works and what factors influence your offer. You can also compare this option to partial buyouts and payment buyouts.

Because lump sum buyouts require court approval, it’s important to understand the legal process, timelines, and documentation requirements. For general consumer and financial guidance, you may find helpful information from the Consumer Financial Protection Bureau and the U.S. Department of Justice.

A lump sum buyout can provide powerful financial flexibility, but it’s essential to compare offers, understand discount rates, and evaluate how the sale will affect your long‑term financial stability.