Structured Settlements

If you were awarded a structured settlement and you are currently receiving payments or will be receiving payments in the future we can help you obtain your cash now.

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Annuity Purchasing

Do you know that nearly 100 million Americans have prepared for retirement by purchasing annuities? Fixed annuity payments can deliver you a reliable flow of income.

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24/7 assistance and consulting is a must to cover your structured settlement transfer. Our nationwide experience will surely boost your productivity and quality of your annuity funding.

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Structured Settlement and Annuity Buyers

In life, it is difficult to anticipate events. When the unanticipated happens, Rising Capital is there to provide cash in exchange for annuities and settlements. Turn these long-term periodical payments into immediate liquidity and cash in the money that’s rightfully yours, today.

Future Payments Now!

When circumstances change, individuals may not be fully satisfied with their annuity payment plan. Indeed, they may require money sooner than the annuity would pay out. Individuals seeking a way out can elect to sell their structured settlements for immediate cash now.

Upfront Cash for Your Structured Settlement or Annuity

When you choose to convert your structured settlement or annuity into a one-time issued payment, you are giving permission for a company to receive all your regular installments. In return, you are given a large cash payment. Instead of receiving a paltry check every payment period from your court case or insurance company, you receive instead a large, one-time issued payment. In fact, many of our clients prefer transforming this complicated defrayal into dollar bills they can hold in their hand.

You can also elect to sell just a portion of your future payments for a quick lump sum and still leave a substantial amount of money in your annuity or structured settlement to receive in the future.

Whether you decide to sell your entire annuity/structured settlement or just a portion of it, Rising Capital Associates can work with you.

Contact Rising Capital Associates If You Don’t Want to Wait

Did you know that the average annuity pays out its recipient over a period of 25 years? If you don’t have that long to wait, call us now for a free estimate of what your policy is worth. Call us today at 866-444-5061

Make your dreams happen.

We will take care of your lump sum purchase for your structured settlement,
annuity, or lottery payment.

A Simple Spreadsheet Can Be The First Step Towards Financial Freedom

28 / 04 / 2017 / 0 comments

spreadsheetFor many, early retirement seems like a just another pipe dream. Maybe if you threw in the words, ‘sole heir’ or ‘mega-million winner’ along with it, it would seem more plausible. We understand that money isn’t an issue for some people, but it is for the overwhelming majority. There are so many bills to organize and pay and when you add children into the mix, your expenses only get higher. With necessary expenses such as groceries, water, electric, college funds, cable, and more to consider, the prospects of retirement seem to get farther and farther away. However, early retirement is, in fact, doable and not nearly as difficult as one may think it to be. It all starts with tracking your spending.  

Keeping Tabs On Your Spending

Tracking your spending is the first step to early retirement and financial freedom. If you play your cards rights–instead of playing the lottery–and start tracking your spending religiously, you too will have the ability to save up sufficient funds that will allow you to attain financial independence and if you want, early retirement.

Every time you make a purchase or pay a bill, log it into your spreadsheet. Whether its for gas, groceries, the water bill, or a nice pair of shoes you couldn’t resist, make sure you enter it in your spreadsheet. If you really make the effort to do this, by the end of the year, you will know exactly what you have spent. From there, you can get a better idea of the kind of spending that needs to be reduced–restaurants, retail therapy, etc.–and determine how much you can live on each year.

Now here comes the tricky part, once you have come up with a reasonable number that will allow you to save and be financially comfortable, you must stick to that budget.

Just like most things, the first year is always the hardest, but once you get used to the system, you will eventually be able to find more ways to save. With clear and realistic retirement goals put into motion, make sure you have more than one saving account to keep your money–401K, health savings account, etc.

With the right mindset, financial freedom and early retirement is definitely possible.

 

What Are The Different Types Of Annuities?

10 / 02 / 2017 / 0 comments

types-of-annuitesWhen annuities come to mind, many of us think of a monetary amount that is paid out in equal increments until the sum is completely depleted. Individuals may receive annuities for various reasons, whether it is a settlement for a car accident, investment of your funds distributed to you, or a lottery winning to name a few. 

Types of Annuities

Fixed Annuities

  • Fixed annuities are a result of fixed interest investments which are issued via insurance companies. They come with a guaranteed interest rate with the ability to defer income or draw income right away. 

Variable Annuities

  • Variable annuities allow customers to pick from a variety of investments. It then issues you a certain income during retirement which is depicted by the performance of the investments that you choose. If you happen to choose a very lucrative investment, the ROI will be high. With this riskiest annuity option, clients may lose some of their principal amounts.

Fixed-Indexed Annuities

  • Holders of fixed indexed annuities earn variable interest which fluctuates with the market index.

Immediate Annuities

  • Immediate annuity payments begin instantly and last until a specified date. With this type of annuity, the customer can give in their lump sum in exchange for annuities. These are purchasable from insurance companies who issues you annuities in the exchange for a lump sum payment.

Deferred Annuities

  • Deferred annuities are issued to the holder at a date that is postponed at least one year away.

Rising Capital Associates Purchases Annuities

At Rising Capital Associates, we purchase annuities and structured settlements for a lump sum in return. If you are considering selling all or just a portion of your annuity payments or structured settlement payments, contact us today for more information at 866-444-5061.

What’s The Difference Between a Structured Settlement And An Annuity?

23 / 12 / 2016 / 0 comments

structured settlements vs annuitiesStructured settlements and annuities are two financial products that have many similar qualities in common. It is tempting to lump them together in the same category, however there are distinctions between the two that merit further investigation. 

Annuities

Annuities are financial instruments with qualities of both investments and insurance policies. They are a contract between an individual and an organization that provides for the repayment of a premium after a given time period has elapsed. Annuities date back to ancient Rome, where the first concept of this financial tool was introduced. “Annua” actually meant annual stipends in Latin. Individuals would give contributions into a large pool of money run by each province and then receive an annual payment each year until death, or for a specified period of time. This allowed the Roman Empire to mitigate risk while providing money to individuals of priority, such as soldiers and generals who often saw combat.

The first annuity on record comes from the American Colonial period in 1759 when the first organization was formed in order to sell financial protection to aging ministers and their families. Ministers would pay into a policy that grew over time. This money was then partitioned out to family members after a period of a few years. Essentially, it established a “safety net” where money now was sacrificed in terms of more stable, and larger amounts of money later. Annuities protected the ministers’ money from fluctuations in the financial markets and allowed them ways to pass their money over to children that were not yet old enough to know what to do with the inheritance.

The First Annuity Company Was Formed in 1812

The company was known as the Pennsylvania Company for Insurance on Lives and Granting Annuities/ Since 1812 various institutions have provided clients with a secure retirement plan.

Annuities In the Modern Era

One of the largest differences between annuities and structured settlements is that the former is guaranteed against the loss of principal while also deferring taxes. The current era of annuities began in 1952 with the establishment of the TIAA-CREF, the first offered group variable deferred annuity. Today, Americans own over $1.8 trillion in annuity products.

A great example of an annuity is a lottery winning. A lottery winner has a contract formerly drawn up with the party responsible for paying out the winnings. Typically the large winnings are separated over time and not put in as one large lump sum. Coincidentally, a lottery winner may elect to sell future payments to a broker in favor of a large lump sum.

Settlements

Settlements give out money in small portions, just like an annuity, yet they usually arise from a court settlement or personal injury case. The way structured settlements work out is that they arise from some legal claim, providing the winner of the case with a specific amount of capital for a fixed period of time. They are mostly the result of a lawsuit involving personal injury or liability.

Why Are Structured Settlements Used?

Structured settlements are used for large money claims where it is beneficial to pay our beneficiaries over longer periods of time. During the American Colonial era, governments wanted a secure way to ensure the recipients of a personal injury claim did not frivolously spend their money in a short period of time following their settlement payment and end up destitute, forced to rely on social services.

Settlements allow the government the ability to partition out payments over time, changing a large lump sum payment into a series of steady payments over time. They are useful for people who are temporarily or prematurely disabled, have limited financial expertise, or are minors that are not able to handle their own financial affairs.

The Settlement Market

The need for individuals to turn these small, steady, often decade-long payments into one large lump sum has created a secondary financial market for settlements. Organizations, such as Rising Capital exist that take deferral payments and convert them into one large cash payment. This way, individuals that are injured can pay large medical bills, or use them for other expenses that demand immediate attention.

Selling A Structured Settlement or Annuity

If you wish to sell structured settlements for cash or sell annuity payments for cash, contact us at Rising Capital Associates Settlements.

 

 

 

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