Welcome to Sell-Ur-Note

We specializes in purchasing Structured Court Settlements, Lottery Winnings, Annuities, Seller Financed Business Notes, and Privately Held Mortgages.

Glossary

Accelerated Death Benefits

A benefit of some life insurance policies that provide payments to policy holders who have a long-term, catastrophic or terminal illness while the policy holder is alive. Accelerated death benefit provisions vary from insurance policy to insurance policy and from company to company. Also know as "living benefits."

Accumulated Value

The full value of the annuity contract, principal plus gain.

Annuitant

The individual on whose life the annuity is based and generally the person receiving or entitled to the annuity payments.

Annuitization

When an annuity begins to pay out periodic income payments.

Annuity

A tax-deferred contract that can provide an income for a specified time period, such as a number of years or for the life of the individual.

Annuity Benefits

The guaranteed periodic payments that will be paid to the owner during the payout period.

Annuity Contract

The agreement between the customer and the insurance company that stipulates the features of the annuity and the responsibilities of each party.

Annuity deferral

A facility which allows you to delay buying an annuity if rates are low when you reach retirement age.

Annuity Issuer

The insurance company that issues the annuity.

Annuity Owner

The person or people who make decisions about an annuity. The owner or owners have the rights to make withdrawals, surrender or change the designated beneficiary or other terms of the contract.

Annuity Payment Period

The period of time that the annuity payments are designated to last.

Annuity Start Date

The date designated for annuity payments to begin.

Assignment (of Policy)

The legal transfer of one person's interest in an annuity to another.

Bankruptcy

A federally regulated process whereby individuals or entities that have liabilities greater than assets seek judicial protection from creditors.

Bankruptcy - Chapter 13

A type of bankruptcy in which an individual keeps some of his or her assets and pays creditors according to an approved plan.

Bankruptcy - Chapter 7

A type of bankruptcy in which an individual's debt is eliminated, but his or her assets are liquidated to repay creditors.

Bench Trial

A trial where the judge serves as fact finder rather than the jury.

Beneficiary

The person(s) or entity who receives the death benefit when the insured dies.

We look forward to hearing from you and helping you free up the cash you want or need now.

If you are receiving payments and would prefer to have a lump sum of cash now, please call us today at 609-566-HELP to obtain a free no obligation evaluation of your note or payment stream. If you prefer, you may also submit a confidential online quote request. We look forward to hearing from you and helping you free up the cash you want or need now.