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What is a structured settlement?

A structured settlement is a financial package offered to a personal injury claimant that allows compensation to be paid in pre-determined installments rather than in one lump sum. These installments may be paid over a fixed period or over the recipient's lifetime. One of the questions most commonly asked by recipients of structured settlements, once they discover that they cannot receive their money all at once, is "Can you sell your structured settlement?" The answer, fortunately, is "yes."


Do I have to sell my entire structured settlement?

No, you do not have to sell your entire structured settlement. Each of our customers is in a different financial situation. Most often individuals who sell structured settlement payments to AnFed Bank choose to only sell a portion of their payments. design a transaction that will best suit your needs.


Do I have to pay tax on the lump sum I receive from selling my structured settlement to AnFed Bank?

No. Pursuant to Internal Revenue Code Section 104(a)(2), court ordered structured settlement assignments are tax free. Therefore, you will not have to pay tax on the lump sum for your structured settlement.


How do I get started?

Getting started is easy. Call 855-AnFed-4U (1-855-263-3348) to speak to an AnFed Bank representative who can help you achieve your financial goals.


Can I use my structured settlement to get a loan through AnFed Bank?

Yes. In addition to buying structured settlement payments, AnFed Bank is also able to offer loans. Call AnFed Bank today at 855-AnFed-4U (1-855-263-3348) to speak to an AnFed Bank representative and find out which option is best suited for you.


What if my settlement agreement or annuity policy contains anti-sale or anti-assignment language?

Even if your annuity policy contains anti-assignment language, AnFed Bank will still be able to help. Call 855- AnFed4U (1-855-263-3348) to speak to an AnFed Bank representative who will be able to help you understand your options for getting cash.


What if I have previously sold some payments to another company?

AnFed Bank has extensive experience in dealing with individuals who have completed prior transactions. Call us today at (855) AnFed 4U to speak to an AnFed Bank representative who can help you get the most out of your next transaction.


Can I sell more now?

You absolutely can. AnFed Bank has extensive experience in dealing with individuals who have completed prior transactions. Call us today at (855) AnFed 4U to speak to an AnFed Bank representative who can help you get the most out of your next transaction.


What about those sites that offer quotes from multiple companies?

Web sites that offer multiple quotes from competing companies are basically brokers for brokers. Our goal at AnFed Bank is to cut out the middleman, not add an extra one. When you work with AnFed Bank, you have the benefit of working directly with the financial institution that will purchase your payments rather than with a third-party broker.


Do you charge any closing fees or other costs?

No way! Other companies claim to offer the best price, but then tack on hidden fees. With AnFed Bank, there are no hidden fees and no surprises, just the best price.


How long does it to get my cash after I accept your offer?

Because a court has to approve the transfer of your payments, the amount of time it takes to complete a transaction can vary depending on the court and the state in which you live. At AnFed Bank we understand that sometimes people need cash right away, so many times we are able to advance a portion of the funds in as little as a few days after signing. If your need for cash is immediate, call an AnFed Bank representative now at 855-AnFed-4U (1-855-263-3348) and ask about getting an advance on your transaction.


Do I need to have good credit or a job to sell my structured settlement payments?

No. You do not need good credit or a job. We work with . If your credit score is not what you would like it to be, we would be happy to work with you to improve it. Don’t forget that we’re , BofI Federal Bank. Your financial well-being is always our top priority.


How much are my structured settlement payments worth?

The value of your future payments depends on several factors, including the insurance company that issued your annuity policy, the size of each payment, and the time frame in which the payments are scheduled to be received. For example, a $10,000 payment that is due tomorrow is going to be worth more than a $10,000 payment due in ten years. Call AnFed Bank today at (855) AnFed 4U and one of our representatives will be happy to calculate the value of your remaining payments for you. Of course, there is no cost or obligation for this service.