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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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.

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.

 

 

 

Fee Based Annuities May Drive More People To Sell Them

25 / 11 / 2016 / 0 comments

fee-based-annuitiesA recent ruling from the Federal Department of Labor now holds broker-dealers and life insurance companies to the same fiduciary standards practiced in the financial industry. Annuity advisors are now required to disclose the commissions that they receive from selling products. This new fiduciary rule, outlined here, is requiring many institutions that deal in settlements and annuities to change their business model. Enter the fee-based variable annuity – which allows individuals to sell annuity payments in a slightly different way.

This increased regulation as a result of the Federal Department of Labor may lead to a resurgence in fee-based variable annuities. But what exactly are they? In this article we explore the difference between annuities and fixed-based annuities, and highlight some changes in store for the insurance industry in 2017.

What Are Annuities?

Before explaining what a fee-based annuity is, one must first understand what an annuity is. Annuities function like a reverse life insurance policy. In a life insurance policy, the policyholder pays small monthly payments that their family receives as a large lump sum after their passing. In an annuity the opposite happens: the policyholder gives money up front to an insurance company. The insurance company then pays the policyholder in periodic fixed payments until they die. Keep in mind you always have the option to sell your annuity for cash.

Annuities are insurance products. They act as a method of saving one’s money; essentially letting you protect it from yourself. By paying an initial lump sum to a company, and having non-taxed money incoming to you in small, fixed payments you are able to budget out your finances and have enough for retirement. Because annuities are insurance products there can be some tax advantages to the returns. When you sell annuity payments, they can be used as a way to buffer one’s income stream in retirement if an individual has no money saved up. Advances in medicine are causing individuals to live longer and longer, especially the Baby Boomer generation. Annuities provide a great hedge against outliving one’s own retirement savings while having one’s taxes deferred.

What Are Fee-Based Annuities?

Also referred to as I shares, fee-based annuities are a key part of a retirement portfolio. Fee-based annuities are simpler versions of traditional annuities. They contain no living benefits, complicated guarantees, or upfront loan and surrender charges. What is left is the main selling point of a traditional annuity: the ability to defer taxes.

The money you invest in an annuity grows tax-deferred until you eventually start to withdraw your funds. You are able to lock in a fixed monthly income without having to worry about financial market conditions.

The newly revived fee-based variable annuities offer a multitude of benefits over traditional annuities and variable annuities. Fee-based annuities offer shorter surrender periods, lower overall fees, and fewer penalties. Clients appreciate the fact that they are not locked into their annuity for a long time.

What Changed?

The new fiduciary rule requires businesses to disclose their commission rates to individual insurance holders that want to sell annuity payments. Insurance News Net reported that sales of variable annuities dipped 22% in the first half of the year. Contrariwise, fee-based annuities are making a comeback due to the recent Department of Labor ruling. The DoL created the fiduciary rule in order to operate with the client’s best interest in mind.

They may have been looked down upon by brokers and dealers a few years ago, as of 2011 the market stands at $1 billion. It is likely to increase as fee based annuities give new options for financial advisors, while also allowing consumers different ways to sell.

 

 

DebtFree

Be Debt-Free in Half the Time

February 1, 2016 / 0 comments

By: Laura Depta CTW Features

Everyone wants to be debt-free, and there are ways to achieve that goal more quickly. But there also are different types of debt, and efficient repayment can require more sophisticated strategies than simply paying everything off as swiftly as possible. It takes a plan.

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