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For over 20 years, 123 Lump Sum has been a trusted leader in the structured settlement industry, purchasing over $1.6 billion in structured settlement payments. As the second-largest structured settlement company in the U.S., we provide financial solutions to help you access your money when you need it most.
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Welcome to 123 Lump Sum

The Story Behind
123 Lump Sum

Located in the heart of the financial center of South Florida, 123 Lump Sum specializes in helping individuals achieve financial freedom by purchasing future payment streams such as structured settlements and insurance annuities. With our expertise in institutional financing, underwriting, and legal processes, we ensure a smooth and transparent transaction, giving you access to the funds you need —when you need them.

As one of the industry's leading purchasers of structured settlements, we believe everyone deserves the opportunity to improve their financial situation. That's why we leverage our legal expertise and financial acumen to make your financial goals a reality.

  • High Savings Potential
  • 24/7 Customer Support
  • Learn From Customer Feedback
  • Professional Team
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    1.800.400.9123

    8
    Customers
    4.9
    Google Rating
    1.5
    Payments Purchase
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    Customer satisfaction
    20
    20 years in business
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    123 Lump Sum YouTube Channel

    Welcome to the official 123 Lump Sum YouTube channel!

    123 Lump Sum is a specialty finance company dedicated to helping individuals unlock the value of their future cash flows, such as structured settlements and insurance annuities. With decades of experience in institutional financing, underwriting, and legal processes, we make accessing your money simple, fast, and transparent.
    On this channel, you’ll find:
    • Expert Insights: Learn more about structured settlements, annuities, and how selling your payments works.
    • Customer Success Stories: Hear from real people who gained financial freedom with 123 Lump Sum.
    • Helpful Guides: Step-by-step videos on the settlement transfer process and what to expect.
    • Company Updates: Stay informed about what’s new at 123 Lump Sum.
    Subscribe today and discover how we can help you achieve financial flexibility and take control of your future.
    Visit Our YouTube Channel

    “The Best Service”

    123 Lump Sum made a complex process simple. They were upfront about the terms and made sure I understood everything. With the lump sum I received, I was able to make home improvements that increased the value of my property. Their professionalism and dedication to customer satisfaction are unmatched.

    David L.

    San Diego, CA

    “The Best Service”

    I was overwhelmed with high-interest debt and struggling to make ends meet. 123 Lump Sum helped me sell my structured settlement payments, providing a lump sum that allowed me to pay off my debts and regain control of my finances. The team was transparent and supportive, guiding me through every step. I’m grateful for their help and would recommend them to anyone facing financial challenges.

    Maria K.

    New York, NY

    “The Best Service”

    Choosing 123 Lump Sum was the best decision I could have made. From the first call to the final payout, their customer service was top-notch. I had many questions, but they answered each one with patience and clarity. Thanks to them, I was able to invest in a business opportunity that changed my life. If you're looking to access cash quickly and efficiently, this is the company to trust!

    James R.

    Dallas, TX

    “The Best Service”

    I was hesitant at first about selling my structured settlement payments, but 123 Lump Sum made the process easy and stress-free. The team was professional and took the time to explain everything, making sure I was comfortable with my decision. I received my lump sum sooner than expected and was able to pay off my medical bills and start fresh. I highly recommend 123 Lump Sum to anyone in need of immediate cash.

    Sarah J.

    Orlando, FL