TIME VALUE OF MONEY

PRESENT VALUE

Present Value simply means: What something in the future is worth today. It tells you how much you have now.

ARE YOU RECEIVING DEFERRED PAYMENTS?

If you are a Structured Settlement recipient, a portion of the payments you are due to receive in the future is interest that has not been earned yet. At the time you settled your case the insurance company invested the settlement amount in an annuity that is now paying a combination of principal and interest to you. However, any payment amount due in the future is not worth the same today. Otherwise the insurance company would have given you a lump sum for the full amount at the time your case was settled instead of structuring it over a long period of time.

WHAT THIS MEANS TO YOU

If you're a Lottery Winner you probably already know this, since many states now offer a lump sum payout option to winners instead of the usual 20-25 year annuity payout. If you choose the lump sum, the amount is typically about half of the advertised prize amount.

SECURE YOUR FINANCIAL FUTURE TODAY

How can you get a lump sum payment? You call us today at (800) 509-1648 or fill out our online application to find out how we can structure a deal that is right for you. We are the oldest finance company in the U.S. that specializes in purchasing deferred payment obligations. Over the years we have helped thousands of deferred payment recipients realize their financial goals.