Sell My Structured Settlement for Cash (SMSSC), an education and quote platform for individuals considering the sale of structured settlement, annuity, or lottery payments, announced its nationwide launch today. The platform aims to demystify the complex, court-supervised process of selling future payments, which is governed by state-specific Structured Settlement Protection Acts.
SMSSC launches with over 60 plain-English guides covering court approval processes, discount rates, taxes, and alternatives to selling. It also provides state pages for all 50 states and the District of Columbia. The content is reviewed by named experts, and the company publishes its editorial standards at sellmystructuredsettlementcash.com/editorial-standards/.
To help payment holders understand offers before signing anything, SMSSC offers three free calculators, including a decoder that reveals the discount rate implied by any offer they have already received. This tool is particularly valuable as discount rates can significantly affect the lump sum amount.
Alongside the launch, SMSSC released a free public data library for journalists, researchers, and consumer advocates at sellmystructuredsettlementcash.com/cite-us/. The library includes a 51-jurisdiction Structured Settlement Protection Act statute table, 2026 lottery tax rates by state, a directory of courts where transfer petitions are filed in 87 metro areas, and a status tracker for annuity issuers. All datasets are free to reuse under a Creative Commons license.
"We built the site we wished existed when we started researching this industry. Every number on it is sourced, the people who review the content are named, and the reference data behind it is free for anyone to check our work," said a company spokesperson.
SMSSC's funding partner, Genex Capital, is A+ rated by the Better Business Bureau and has served more than 50,000 clients since 2003, completing over $1.2 billion in transactions with a 95 percent court approval rate. Every SMSSC quote carries the Genex Guaranty: a price match promise, no surprises between the quoted and final net amount, and legal costs covered by the funding partner.
The process for selling payments is consistent across states: a written quote disclosing the discount rate, document signing via DocuSign or notary at no cost, a transfer petition filed with the court by the funding partner's legal team, and funding approximately three business days after court approval. This transparency is crucial for consumers navigating a complex financial decision.
This launch is significant because it provides much-needed educational resources and tools to individuals who may be considering selling their structured settlement payments. Many consumers are unaware of the intricacies involved, including the impact of discount rates and the legal requirements. By offering free, transparent information and calculators, SMSSC empowers payment holders to make informed decisions and understand the true value of their future payments. The free public data library also serves as a valuable resource for journalists and advocates, promoting greater scrutiny and understanding of the industry.
