Selling your structured settlement can be a life-changing decision. Whether you need cash for emergencies, to pay off debt, or to invest in a new opportunity, JG Wentworth is often the first name that comes up. With over three decades of experience, JG Wentworth dominates the industry. But are they your best option?
This in-depth 2025 review breaks down what JG Wentworth offers, what it costs, and how it compares to competitors—so you can make a confident, informed decision.
What Is J.G. Wentworth?
Founded in 1991, JG Wentworth is one of the oldest and most recognized structured settlement and annuity purchasing companies in the U.S. The company also offers debt relief services and personal loans.
Their core offering is simple: they purchase future annuity or structured settlement payments in exchange for a lump sum. This process is legally regulated and requires court approval.
How the J.G. Wentworth Process Works
- Free Consultation: Speak with a rep to discuss your payment schedule and financial goals.
- Quote Received: You’ll get a lump-sum offer based on a discount rate.
- Paperwork & Legal Review: Contracts are signed, and the transaction is submitted to court.
- Court Approval: A judge reviews and must approve the sale.
- Funds Transferred: After approval, you’ll receive your money (typically in 60–90 days).
Costs & Rates
JG Wentworth does not publicly list its rates. However, industry averages suggest:
- Discount rates: Usually range from 9% to 15%
This means you may only receive $0.85 to $0.91 for every $1.00 of your future payments.
Example: If you have $100,000 in future payments:
- You may receive a lump sum between $85,000 and $91,000.
Comparing rates from multiple companies is essential to ensure you receive a fair deal.
Pros & Cons Table
| ✅ Pros | ⚠️ Cons |
|---|---|
| A+ BBB rating, 30+ years in business | Aggressive marketing practices reported |
| Fast processing and strong brand trust | Discount rate may reduce value significantly |
| Extensive legal support | Numerous consumer complaints on review platforms |
| Transparent initial process | Lack of published rates or competitor benchmarks |
Real Customer Feedback
“The process was extremely simple. I would recommend them to anyone who needs cash now.”
“I regret selling my structured settlement every day. I needed the money, but I lost a lot.”
“They called me non-stop. Even after I said I wasn’t ready. Felt pushy.”
These mixed reviews highlight why careful comparison and legal consultation are critical.
Regulatory & Market Context
JG Wentworth is estimated to control between 65% and 72% of the structured settlement secondary market. That dominance comes with heavy regulatory scrutiny. Transactions are governed by:
- Structured Settlement Protection Acts (SSPA): Passed in every state
- Court Approval Requirements: Ensure sales are in your best interest
Several states also have cooling-off periods, and JG Wentworth must disclose all terms clearly.
Red Flags & Green Flags: What to Watch For
Red Flags:
- High-pressure sales tactics
- Lack of clear rate disclosure
- Hidden fees or vague contract terms
Green Flags:
- Transparent process
- Strong legal support
- Time to review and consider your options
- Multiple payment quote scenarios
Alternatives to Using JG Wentworth
Other Structured Settlement Buyers:
- Peachtree Financial: Personalized approach, slightly higher discount rates
- Fairfield Funding: Transparent offers, smaller operation
- RSL Funding: Often positioned as a challenger brand, offers aggressive matching
Non-Sale Alternatives:
- Personal loan (if you qualify)
- Credit counseling or hardship assistance
- Partial sale of only necessary payments
Step-by-Step Advice for Sellers
- Gather Details: Know your payment schedule and remaining balance.
- Get Quotes: Reach out to 3—5 structured settlement buyers.
- Compare Rates: Look at discount rates, fees, and total offers.
- Legal Review: Hire an attorney to review the contract.
- Court Approval: Prepare for a hearing where the judge evaluates the deal.
- Receive Funds: If approved, you get the lump sum in your account.
Conclusion: Is JG Wentworth Right for You?
JG Wentworth is a solid option if you value brand recognition, fast turnaround, and comprehensive legal support. However, their pricing is often not the most competitive. For the best results:
- Always compare offers
- Understand the long-term cost
- Consult a financial advisor
If you need cash quickly and want to work with a known company, JG Wentworth is a trustworthy choice—but not always the highest-paying.
FAQ
Q: What discount rate does JG Wentworth offer? A: Typically between 9% and 15%, though rates vary case by case.
Q: Can I sell only part of my structured settlement? A: Yes, partial sales are common.
Q: What if the court denies the sale? A: You keep your settlement. The transaction is voided with no penalties.
Q: How long does the process take? A: Most deals close in 4–8 weeks, depending on court scheduling.
Call to Action
Get started today: Request quotes from at least three reputable buyers. JG Wentworth may be one of them—but you owe it to your financial future to compare before you commit.