Answers to the structured settlement calculator give an approximate amount of cash you can expect from your future payments. Please remember that the actual discount rate paid by a structured settlement buyer generally depends on a number of different factors including: the value of your future payments, selling life or guaranteed payments, and how many years you want your settlement to pay.

As the cash value of a structured settlement is based on future payments, it is not possible to make an exact comparison between the present value and the future cash value of the settlement. In order to make a comparison, the buyer needs to know the expected length of the payments, the percentage of risk involved in the cash value, and the total number of years of payment. If you do not know these figures, you should consult with a certified public accountant (CPA).

The amount of cash you can expect to receive when you sell structured settlements is based on how much you are actually receiving now (either as an annuity or a lump sum payments). It is not possible to predict what future payments will be worth. If the current value of the payment exceeds the annuity value of your future payments, then you will receive more cash than if your payments were less. The amount of time it takes for a payment to pay will also influence the amount you can expect to receive. If you live longer and get older, your payment will probably be a bit larger than the lump sum payments you could have received if you had remained active as you aged.

The cash value of a structured settlement that you sell depends on the total life expectancy of your beneficiaries. The annuity value that is shown on the calculator does not include the additional death benefit that you may be entitled to because of the fact that your beneficiaries are likely to live for many more years than the average annuitant. A structured settlement calculator also does not factor in taxes that your beneficiaries are likely to owe upon the value of their future payments. For that reason, you will receive less cash in a cell and surrender transaction if your lifetime income is higher than the average life expectancy of your beneficiaries.

If you have a smaller total amount of future income than the annuity value you will receive, it is not possible to use the same hash value as the annuity calculator. It is also important to remember that there will be taxes owed to your beneficiaries. and that your payment will also have to cover those taxes.

If you sell structured settlements in order to buy a lump sum payments, then you must know the value of the lump sum payments before buying the payment. There are usually annual fees and commissions attached to this type of payment.