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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Structured Settlement and Annuity Buyers

In life, it is difficult to anticipate future events, especially ones that revolve around your finances. When the unanticipated happens, Rising Capital is here to help you regain financial security. We help our customers turn their long-term periodical payments from a structured settlement into a large, lump sum payment; providing them with the money that is rightfully theirs. Since every client’s financial situation is different from the next, the team of experts at Rising Capital work diligently to find structured settlement buyers or annuity buyers that are the perfect match. It’s our mission to provide our clients with the cash-now option that will grant them the means to financial freedom in their retirement.

Access Future Payments Now!

When circumstances change in one’s life, individuals may no longer be fully satisfied with their annuity payment plan. Many times, this occurs when one is faced with unexpected medical emergencies that result in costly bills. Due to this, they may need access to their money much sooner and in larger increments than what their annuity is currently providing them with. These instances provide individuals the perfect opportunity to sell their annuity plan to qualified annuity buyers in exchange for a large sum of cash immediately. The experts at Rising Capital can give you access to future payments 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 structured settlement buyers or annuity buyers to receive all your regular installments. In return, you will be rewarded with the cash payment you deserve.    

Rising Capital will help you attain instant access to your cash. However, if you are not comfortable selling your entire annuity plan, Rising Capital offers you multiple selling options that best meet your financial needs. If you need to obtain a smaller sum of money promptly, but still want to receive future installments of your annuity plan, our team can help you sell a small portion of your annuity for the lump sum that you need at the moment. After you have sold a portion of your annuity to the right annuity buyers, you will still have a substantial amount of money left in your annuity or structured settlement plan for the future.

Whether you decide to sell your entire annuity/structured settlement or just a portion of it, Rising Capital Associates will work to provide you with the best outcome possible.

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

With over 30 years of industry experience, Rising Capital has assisted in thousands of clients sell their structured settlements and annuities in order to help them achieve a financially fruitful retirement.

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.

The Common Issues With Annuities

23 / 07 / 2018 / 0 comments

annuitiesRecently, a handful of companies across the US are switching up the benefits packages offered to their employees. Typically, in a high-authority company, employers will have the opportunity to put money away in their 401(k) while their company matches a certain percentage. Or, some companies will even offer shares of life insurance. However, we are seeing that more and more companies are doing away with life insurance policies and offering something different: annuities. With cuts being made to retirement spending, more and more employees are faced with a real loss on their hands in terms of their retirement fund. While annuities do have their benefits, they also have many problems. The number one problem is their total cost.

Understanding Annuity Problems

The problems with annuities run far and wide; however, there are 3 main issues that make it hard for individuals to benefit from–making it more of a risk than a reward. With that, let’s take a closer look at the top 3 problems with annuities:

The Anti Selection

A major problem with annuities is anti-selection. In terms of anti-selection, actuaries must price different annuity rates based on extraordinarily high life expectancy rates. This mainly due to the fact that many elderly people–ranging from good to poor health–aren’t too concerned with outliving their savings. This means that they are less likely to invest in annuities. So, when comparing life insurance policies and annuities together, there’s quite a major difference in the way these policies are priced. For instance, for certain life insurance policies, many insurers will require their clients to partake in a thorough medical exam. They require this because they know that anyone who’s diagnosed with a life-threatening medical condition will have a better chance of investing in a life insurance policy. Which goes to show how insurers take advantage of their clients. But annuities aren’t any better since their rates are based on disproportionate assumptions which greatly discourages many senior citizens from investing.

Costs to Providing Guarantees For Fixed Payouts

Another significant problem with annuities is the costs that come with fixed payout guarantees. You’ll find that many insurers will try to sell an annuity on the basis that they can guarantee fixed payouts to their clients month after month during their retirement years. However, to do so, the insurer must ensure their money with careful conservation in mind. To truly attain a fixed payout month after month, there are significant costs attached. By investing a client’s money conservatively, there’s minimal room to really grow their investment which greatly hurts them in the long run.

Extra Fees For Marketing and Administrative Efforts

What many people don’t realize is that the industry of individual annuities comes with significant marketing and administrative costs. However, these costs are not something that your typical employer is faced with. And on many occasions, (many due to this and the anti-selection factor) they find that providing their employees with annuity packages rather than life insurance or the other benefit package varieties. Due to this, many employers find it far more affordable to offer their employees with group annuity purchasing instead. But, unfortunately, this is something that poorly affects the long-term finances of the said employees since they are the ones stuck paying the marketing and administrative fees. \

Sell Your Annuity For Cash

At Rising Capital Associates, you can sell your annuity for cash that you can use immediately. Contact us today for more informati0n on how we can help you.

The Costs of Annuities

16 / 05 / 2018 / 0 comments

annuitiesWhen it comes time to think about retirement and what investment plans are the best for you and your family, the option of annuities usually come up in conversation. Although they can seem beneficial in some situations, annuities aren’t designed for every financial situation and can come with unexpected high costs. Of course, just like any other investment opportunity, it’s extremely important to take into consideration the drawbacks it might potentially have. However, in the case of annuities, the #1 drawback is cost.

Annuity Drawbacks

For clarification, annuities are fixed sums of money that are paid to someone annually. Although they are typically a form of investment, annuities can also be given to individuals in settlement cases. Initially, many individuals, especially those close to retiring, believe that annuities are a beneficial investment that will carry them through their retirement years. However, annuities do come at a cost. Many time, these costs aren’t disclosed upfront and are also a bit difficult for investors to determine at first. With this in mind, it’s important to remember that if there isn’t a fee initially listed on your contract, that doesn’t mean you won’t be paying it. Annuities are filled with hidden fees. Let’s take a closer look:

Commission

With annuities and annuities salesmen, comes commission fees. The person who sells you an annuity is sure to get a cut of the sale, and a substantial one at that. However, to avoid this outcome, many individuals may decide to go through an ‘investment advisor’. Typically, annuity commision ranges from 6% to 10% of the sale.

Management fees

Management fees are typically very high in certain forms of annuities–especially with variable annuities. Since these kinds of annuities invest your money in mutual funds, fees (expense ratios) are charged to the owner of the annuity.

Insurance charges

Also known as M&E fees (mortality and expense), these fees are charged to ensure that certain guarantees that come with the annuity are covered. Some insurance costs can total to 2%-3% per year.

Surrender charges

Another common charge that comes with annuity purchasing are fees called surrender charges. Surrender charges are put in place to ensure that the annuity owners won’t pull out their money earlier than agreed on. If they do surrender their annuity and pull their money earlier than they are supposed to, they will be required to pay numerous surrender charges. Typically, surrender charges are 7% of the annuity’s value after one year and then will decrease by 1% every year after. However, many surrender fees start at a much higher percentage.

Other

Other potential fees include underwriting fees, IRS penalties fees–usually in the case of an early withdrawal–fees for added features, etc. If you decided to add other members of your family (riders) to your policy, you will be required to pay extra charges as well.  

As you can see, there are plenty of fees associated with annuity purchasing. So, before investing, it’s so important to have all the facts about annuities in front of you.

Is It Worth It?

With so many hidden fees, will annuities ever be worth their total cost? Most importantly, is this something that’s worth investing your money in? Honestly, it truly depends on the individual’s financial background and the type of annuity/company they decide to invest in. For example, one could save money on commission fees if they decide to invest their money in a direct-sold annuity. However, if you find that an annuity is the right investment tool for you, be sure to ask your investment advisor or salesperson specific questions regarding any associated fees that come with your annuity plan.

Sell Your Annuity Payments For Cash

Rising Capital Associates provides the best options to sell your annuity for cash or structured settlements for cash. Contact us today at 866-44-5061 for more information

 

Here’s Why Selling Your Annuity Can Make Sense

10 / 04 / 2018 / 0 comments

annuitiesThroughout the years, millions and millions of annuities have been sold to families around the world, and with that, billions of dollars are awarded to the insurance companies that sell them. It’s obvious that annuities are profitable for various insurance companies, but will they really provide you with the long-term financial assistance you need? Annuities are not conducive to every lifestyle, so, if you have an annuity you believe might not cover your financial needs, you may want to consider selling it to a structured settlement/annuity purchasing company who will provide you with a sizable lump sum payment in return.

When Selling Your Annuity Makes Sense

Money Management

If you like to carefully manage your assets–or having full access to them–having an annuity plan can make that pretty difficult. Usually, insurance companies take over that role when you purchase an annuity plan from them, providing you with a monthly income. However, this monthly income may not be substantial enough to supplement you through your retirement and it’s one that you cannot increase. So, if you prefer to manage your money yourself, it would be very ideal to sell your annuity payments for cash. Once you’ve sold your annuity, you will be given immediate access to your well-deserved cash, allowing you to manage or invest it in any way you would like.

A Change in Retirement Plans

Even though we spend our entire working lives planning for retirement, you simply never know what’s going to happen during that time. Though we hope for the best, unexpected events can occur–medical emergencies that end in costly medical bills; a poor investment; assisted living costs; home refinancing; anything could happen. If a change in your retirement plan occurs and you are waiting on your annuity payments to help finance it, it may be time to sell your annuity.

The Loss of A Spouse

Although it’s something no one likes to think about, the passing of a spouse in an unexpected event that can come with great financial stress. If you believe that you or your spouse will have trouble managing assets or not be left with substantial funds to supplement them through their retirement, then you may want to consider other options. A beneficial option would be to sell the annuity plan you previously purchased. In selling your annuity plan, you will receive a large, lump sum in return, allowing you to invest it where you need it. It will also provide you with the means to support you or your spouse in the event of a passing. It’s a terrible thing to think about, but it’s necessary in order to ensure that your loved ones are being taken care of.

 

If you own an annuity and any of these reasons apply to you, then it might be time to sell your annuity and supply yourself with a healthy and financially fruitful retirement.  At Rising Capital, we make it simple to sell your annuity or sell your structured settlements for cash. Contact us today for more information at 866-444-5061.

 

 

 

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