FAQs

Americore Capital LLC serves customers in all 50 states. Selling your structured
settlement involves a court approval process that ensures your best interests are protected. This means a judge in your local county must review and approve the sale. The timeline varies depending on the county and court’s schedule, but typically the process takes between 35 to 90 days from start to finish.

Americore Capital LLC is a fully licensed and reputable company with over 20 years of experience in purchasing structured settlements and future payment rights. Our principal has been personally involved in this industry since 2002, ensuring we operate with the highest level of integrity and transparency. We adhere to all legal requirements, including obtaining court approvals to protect your interests. To facilitate this, we work with a licensed attorney in your state who handles the court approval process on your behalf. Unlike some companies that spend heavily on advertising, we focus on delivering great value and trustworthy service directly to our customers.

Selling your future payments can provide immediate access to cash for important needs such as medical bills, education, debt repayment, purchasing a home or vehicle, starting a business or other unexpected expenses. It offers financial flexibility and peace of mind, allowing you to take control of your money without waiting years for payments to arrive.

Selling future payments means you receive a lump sum that is less than the total of all your future payments. It’s important to carefully consider your financial needs.

Yes, you can sell part, all, or a combination of your future monthly or lump sum payments. The choice depends entirely on your financial needs and what makes the most sense for you. Americore Capital LLC will work with you to find the best solution based on your goals.

A lump sum gives you immediate access to cash now to help with important needs but reduces your overall total amount received. Americore Capital LLC helps you evaluate which option best fits your personal situation.

• How much will I receive as a lump sum?
• What fees or costs are involved?
• How long will the entire process take?
• Will the sale affect my eligibility for any government benefits?
• Who will handle the court approval process?
• Are there any penalties or risks I should be aware of?

Besides providing you the present value of your future payments, Americore Capital LLC does not charge any fees, costs, or penalties. We pride ourselves on complete transparency, and you will receive all details fully documented in writing.

The discount rate is a percentage used to calculate the present value of your future
payments. It reflects the time value of money — how much future payments are worth in today’s dollars — and factors in risks and market conditions.

Because future payments are spread over many years, their present cash value is less due to inflation, interest rates, and the time value of money. The lump sum reflects what those future payments are worth right now, not the total dollar amount you would receive over time.

The purchase price is based on the present value of the future payment stream, calculated using the discount rate. Factors like payment schedule, timing, and creditworthiness of the insurance company issuing the annuity also affect the price.

Typically, annuities arising from lawsuit settlements or personally purchased annuities that provide future payment streams can be sold. However, annuities from retirement plans or workers’ compensation are generally not eligible for sale under current laws.

No, not all annuity sales require court approval. Annuities that were personally purchased from an insurance company with monthly payments can often be sold without a court order. In these cases, we coordinate directly with your insurance company to handle their required paperwork. However, annuities that originated from lawsuit settlements are legally required to go through the court order process to ensure your protection and best interests.

Once the court approves the sale, and the signed court order is received, your funds will be wired to your bank account within about 48 hours. The court order and required documents will be sent to the insurance company to update them on the payment exchange. You will also receive a copy of the court order for your records, ensuring full transparency throughout the process.