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Structured Settlement Funding & Annuity Cash Outs1st Choice Funding Provides Today's Structured Settlement & Annuity Cash Out Financial SolutionsLegally, Structured Settlement recipients can elect not to wait out the terms of a structured settlement agreement and opt for cash out in lieu of long term payments, as structured settlement cash outs put you in full control of your money, and it is your money! Now ask yourself if you had the opportunity to cash in your structured settlement annuity and then re-invest your money the way you see fit, could that open doors to financial opportunities closed at present? The truth is structured settlement and annuity cash outs are a financial tool to increased prosperity your insurance company didn’t want you to know about which is why they offered to pay you long term in this way because an annuity or structured payment stream benefits the insurance company most as they present their offer to you in what appears to be the method most beneficial for you. Don’t kid yourself, insurance companies never; no NEVER do anything that benefits you. The facts are if they did then it not has taken an extensive period of time and a legal battle to get your structured settlement to begin with. The facts are 1st Choice Funding provides financial solutions for individuals who receive structured settlements to assist each structured settlement & annuity clients in obtaining a higher yield of return through smarter investments than allowing the insurance company to yield your income potential in “payments paid over time”. 1st Choice Funding puts structured settlement recipients in line for cash in hand today for a better financial future tomorrow.
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| 1964 Average Prices: | |
| Salary: | $ 6,080.00 |
| New House: | $ 13,050.00 |
| New Car: | $ 3,496.00 |
| Loaf of Bread: | $ 0.21 |
| Gallon of Gas: | $ 0.30 |
| Ounce of Gold: | $ 35.00 |
The bottom line is clear...inflation means future payments aren't worth as much due to this fact. Inflation is like a cancer, eating away at the value of tomorrow's money, your money. As such it stands to reason that the further in the future you receive structured settlement payments, the less it will be worth. Therefore no matter the source structured settlement payments for any type of annuity, a wiser use of the resources provided are yours today as the inflationary rate over the next 20 years will make the value of the payments you receive today shrink in coming years. It is an axiom that the further in the future you are expecting to receive a sum of money, the less it is worth today, in part because of inflation as inflation makes the value of the money shrink in coming years. With this honest approach to the future value of money imagine how little what seems like a huge settlement today, but payable over 20 years will be at that time.
Structured Settlement Money is Future Earned Interest
Structured settlement annuities are the insurance company's way of earning interest on the money they invest when you settled. In other words, the insurance carrier is only paying a small portion to you and the rest is paid out of the continued interest they earn. Is it no wonder then that the insurance carrier or annuity payer wants to pay you over time? (i.e. the sum of all the future payments) includes a great deal of interest that hasn't been earned yet. Thus structured settlements are similar to the way a mortgage earns interest. When borrowing money for a home mortgage, the bank gives you $100,000 note. But add up the payments and you really are paying the bank 250,000 - 300,000 depending on interest rates and terms).
By converting future payments into a annuity you gain a potent weapon in fighting inflation as the following illustrates the effectiveness of inflation and the power of compounding interest you receive when cashing in a structured settlement. A annuity of cash grows in value as an investment at a particular interest rate will double in a certain number of years. You can easily determine how quickly your investments will double simply by dividing 72 by the interest rate that you anticipate receiving on a given investment. For example, an investment that will yield 10% per year will double approximately every 7.2 years (72/10 = 7.2). A 12% yield would mean your investment doubles every 6 years. Below is a chart with the interest accumulation on a $15,000 investment at various interest rates over the course of a number of years.
1st Choice Funding offers several financial vehicles to fast track your annuity into significant capital tomorrow. In order to find your passport to long term wealth apply today for a annuity cash out of your structured settlement by
Click Here for 1st Choice Funding's Structured Settlement Purchase Application
Structured Settlement Annuity Funding Options:
1. Selling a specified amount of future Structured Settlement Payments2.Selling all future Structured Settlement Payments
Payment options are available if you're receiving payments from a structured settlement or annuity and such structured settlement payments are not meeting your current financial needs, 1st Choice Funding's investment resources can unleash the converting of future structured settlement payments into a annuity of cash today. 1st Choice Funding's investor portfolio has the ability to purchase and quickly fund structured settlement and annuities in all 50 states and as such we understanding the "Present Value" of Future Payments to provide to you the most cash today.
Sometimes, there is confusion surrounding the amounts paid to sellers for their future cash payments. Many Sellers initially think that our prices are highly discounted. This is simply untrue. Part of the money you are getting in the future is interest that hasn't been earned yet. On a structured settlement annuity for example. The insurance company is simply paying you the interest on the money they invested when you settled your case. The "amount" of the settlement (ie. the sum of all the future payments) includes a great deal of interest that hasn't been earned yet. Take the example of a United States Government bond:
As of August, 1998, a $100,000 zero coupon (pays zero interest) United States Treasury Bond due August 20, 2017 was worth $31,780, less than one third of it's nominal or face value.
Is the U.S. Government getting ripped off in a highly competitive global free market? The answer is obviously no. The simple fact of the matter is the promise to pay $100,000 (or any amount) in the future is not worth that amount today. The further in the future it is due, the less it is worth today. Structured Settlement Annuity Funding of Lottery Prizes
Many state lotteries
now offer a annuity option instead of the traditional 20 - 25 year
annuity payout. However, as we all know, when you elect to receive a
annuity you typically receive about one half of the advertised prize
amount. In fact, what the lottery commissions do is identical to a
structured settlement. An annuity or U.S. Treasury bonds are purchased
to fund the future payments due to the winner. Attached is a copy of the
State of New Jersey's annuity formula and a thorough description of the
California Annuity Prize Payment Procedure from the California Lottery.
Both demonstrate that the actual value (the present value) of the stated
jackpot is really about half that amount and both states allow people
who have elected to receive an annuity to change their minds and sell
some or all of their future payments to a Lottery/Settlement Purchasing
Company.
Structured Settlement Annuity Funding Purchases Are Like Mortgages...
When one
borrows money for a home mortgage the bank gives you - say $100,000. But
if you add up the payments you make back to the bank they total 250,000
- 300,000 (depending on interest rates and terms). In essence,
settlement purchasers do exactly the same thing only we take the risk if
the insurance company goes bankrupt - you owe us nothing. Also, since
these transactions are not loans they don't affect your ability to
borrow from other sources.
Structured Settlement Annuity Funding… Still Not Convinced? Consider the following:
It is an axiom that the further in the future you are expecting to receive a sum of money, the less it is worth today, in part because of inflation. Inflation will make the value of the payments shrink in coming years. By converting future payments into a annuity, an individual gains a potent weapon in fighting inflation. The following illustrates the effects of inflation and the power of compounding:Structured Settlement Annuity Funding Moneys Grow in Value vs. Depreciate
The Rule of 72 states that an investment at a particular interest rate will double in a certain number of years. You can easily determine how quickly your investments will double simply by dividing 72 by the interest rate that you anticipate receiving in a given investment. For example, an investment that will yield 10% per year will double approximately every 7.2 years (72/10 = 7.2). A 12% yield would mean your investment doubles every 6 years. Below is a chart with the Rule of 72 applied to a $15,000 investment at various interest rates over the course of a number of years. This gives you some idea of how much a annuity today can be worth in the future.Structured Settlement Annuity Funding Future Value of a $15,000.00 investment.
| Interest Rate* | Value after 10 Years | Value after 15 Years | Value after 20 Years |
| 12% | $49,505 | $89,937 | $163,388 |
| 14% | $60,337 | $121,012 | $242,704 |
| 16% | $73,514 | $162,746 | $360,288 |
* Assumes monthly compounding.
To Apply For a Structured Settlement or Annuity Settlement Funding Click Here
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