About Annuity.org

Annuity.org is a financial company that claims to be “a leader in the structured settlement buying industry” that can help you “unlock your money from a structured settlement or annuity today.” In addition, the company claims that they offer a simple process, and provide you with some of the best prices available on the market.

Annuity.org appears to be owned by Annuity.org, LLC based out of Orlando, FL, and is not listed with the Better Business Bureau. In addition, the company’s website claims that their partners have been in business for 25 years, and have “purchased future payments totaling over $1 billion.” However, just below this on the same page, they state that their associates “have experience buying [structured settlements] for more than a decade.” Due to the lack of online reviews related to the company, we were unable to mesh this discrepancy (for additional information, please see the final section).

How Annuity.org Works

Similar to JG Wentworth, Peachtree Settlement Funding, and Novation Settlement Solutions, Annuity.org is a purchaser of future payments related to structured settlements, annuities, and pensions. Whether you’re buying a home, investing in a business opportunity, getting ready for the birth of a child, or paying unexpected bills, the company claims they can “help you convert your future payments into cash today.”

As such, Annuity.org specializes in three types of future payments:

  • Structured Settlements – If you’re part of a structured settlement related to an auto accident, worker’s compensation claim, or any other type of legal settlement, you may be able to turn these monthly payments into one lump sump cashout.
  • Annuities – Whether your annuity pays you on a monthly or lump sum basis, this program can help you get all of your money now.
  • Pensions – If you’re finding that your monthly pension payments aren’t enough to cover your expenses, Annuity.org can turn them into one lump sum cashout.

According to the company, you can sell some or all of your payments, though they recommend only selling as much as you need to cover your immediate needs. From a valuation perspective, assigning a dollar amount to your future payments is handled on a case-by-case process. Fortunately, Annuity.org has provided a fairly detailed explanation of the process here.

If you’re interested in selling your future payments, Annuity.org claims the process is simple and straightforward:

  1. Call the toll-free number, and a professional funding agent will “analyze your situation” and provide a quote.
  2. Next, you’ll receive an offer for your structured settlement or annuity, which is supported via a “best-price guarantee.” If you decide to proceed, you’ll need to sign the paperwork and return it to the company.
  3. You’ll then set a court date for the purchase approval, at which point you’ll need to submit your rationale to a judge for selling your payments.
  4. After the court accepts the transfer, you’ll receive your money. For full details, see the Selling Payments page.

Once you’ve been approved, Annuity.org can even provide you with a cash advance of anywhere between $500 and $1,000, depending on “the strength of your transfer proposal, how quickly you can get us the required documents and how quickly we think can get your sale or transfer approved.”

Annuity.org Pricing

Annuity.org provides free, no-obligation estimates, and claims to give you the best price. However, since most cashouts are valuated on a case-by-case basis, you’ll need to contact them directly at (888) 801-6306 or carecenter@annuity.org for full details.

Bottom Line: Is Annuity.org a Scam?

While we don’t necessarily have any reason to believe that Annuity.org is a scam, there are some concerns we uncovered during our research that you need to be aware of.

First, we contacted the company directly using the number provided on the Annuity.org website, and found out that they’re actually just a front for a company named QLS Funding, which appears to be based out of Delray Beach, FL. When we attempted to contact Annuity.org (and not their parent company), we received a robot (e.g. non-human) answering service, with no further details. Other than what we learned from QLS Funding’s About page, we were unable to locate any additional information about the company, or any customer reviews about their services. However, their URL was first registered in 2011, which means they may be new to the industry.

In relation to this, the Annuity.org website seems vague about the length of time they’ve been in business, and in some instances, outright contradictory (see below). While this doesn’t automatically mean they’re a scam, it definitely makes us wonder what’s going on.

Finally, neither Annuity.org nor QLS Funding are listed with the Better Business Bureau, and online reviews regarding either of the companies are virtually non-existent. For a company that claims to have purchased more than $1 billion in future payments and to have been in business for 25 years, this certainly seems odd.

With all of this mind, and with the fierce competition present in the future payment purchasing industry, you may want to choose a more established company— and one with a more verifiable reputation—than Annuity.org.

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