Annuity Payment Freedom

What Annuity Payment Freedom does

Annuity Payment Freedom (DBA AnnuityFreedom.net) is a privately held financial services company founded in 2017 and headquartered in San Francisco, California. The company operates as a direct buyer in the secondary market for structured settlement and annuity payment rights, purchasing future payment streams from individuals at a discount and providing immediate lump sum cash in exchange. Its core product portfolio includes structured settlement payment purchases (court-approved, typically closing in up to 8 weeks), investment annuity purchases (private transactions closing in approximately 2 weeks), lottery payment purchases, structured attorney fee purchases, and life-contingent payment purchases. The company also offers free no-obligation quotes and no-interest, no-fee cash advances to sellers during the processing period.

The business model is transactional and direct-to-consumer: the company generates revenue from the spread between the discounted purchase price and the face value of future payments, with industry-typical discount rates ranging from 9% to 18%. Sales are executed primarily through a toll-free phone number (877-547-3672) and website contact forms, supported by an extensive library of educational content targeting organic search queries about selling annuity and structured settlement payments. The company positions itself as a transparent, fee-disclosed buyer that promises to match or beat competitor offers, and it targets clients of recently closed competitors such as Woodbridge Structured Funding, Seneca One Finance, Client First Settlement Funding, and Annuity Transfers.

The company has no disclosed technology platform, no disclosed funding, no disclosed management team, no disclosed headcount, and no disclosed revenue. Operations are entirely U.S.-based and there are no subsidiaries, parent companies, partnerships, or institutional investors reported. Ownership structure and founder identities are not disclosed in the available data.

Name

Annuity Payment Freedom

Legal name

AnnuityFreedom.net

Website

https://annuityfreedom.net

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Annuity Payment Freedom (AnnuityFreedom.net) is a privately held, San Francisco-based financial services company founded in 2017 that buys structured settlement, annuity, lottery, and attorney fee payment rights directly from individuals for lump sum cash.

Ownership category

akta.pro rank

Product category

Structured Settlement and Annuity Purchasing

NAICS

Sales Financing (52222), Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311)

akta.pro primary industry

Structured Settlement Annuities (FSAIACAJ)

akta.pro secondary industries

Annuity Reinsurance (Payout & Deferred) (FSAIANAD), Escrow, Trust & Legal Settlement Disbursements (FSAMAKAO)

Keywords

• Structured settlement purchasing
• Annuity payment buying
• Secondary market annuities
• Lump sum cash advances
• Payment rights factoring

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Annuity/Structured Settlement Purchase Spread: Revenue generated from purchasing annuity and structured settlement payment rights at a discount (discount rates typically between 9% and 18% of sale amount) and providing lump sum cash to sellers upfront. The company profits from the spread between the discounted purchase price and the face value of future payments. For structured settlements, additional processing fees may apply. Revenue is transaction-based rather than recurring.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Annuity Payment Freedom purchases structured settlement payments, investment annuity payments, lottery prize payment streams, life-contingent payments, and structured attorney fee payment rights directly from individual holders. In exchange for assigning their future periodic payments, sellers receive an immediate lump sum of cash, with the company earning a discount rate spread on each transaction.

Product overview

Annuity Payment Freedom operates as a direct buyer and secondary market intermediary in the structured settlement and annuity industry, offering services to help individuals convert future payment streams into immediate lump sum cash. The company was founded in 2017 and is headquartered in San Francisco, California. The core product portfolio centers on purchasing three main types of payment rights: (1) structured settlement payments from personal injury, wrongful death, and workers' compensation cases, (2) investment annuities, and (3) lottery winnings. Additional offerings include a free quote service for valuation and cash advances to provide liquidity during the processing period. The company also services former clients of closed competitors such as Woodbridge Structured Funding, Seneca One Finance, Client First Settlement Funding, and Annuity Transfers. Unlike competitors, Annuity Payment Freedom emphasizes transparent pricing with no hidden fees and a stated commitment to matching or beating competitor offers.

Differentiator

Problem solved

Functional benefit

Products and services

• Structured Settlement Payment Purchase Service
• Investment Annuity Payment Purchase Service
• Lottery Payment Purchase Service
• Structured Attorney Fees Purchase Service
• Life-Contingent Payment Purchase

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Emerging players

• Cashnowannuity.com: Cashnowannuity.com is a smaller online-focused structured settlement and annuity buyer using a similar content-driven, direct-to-consumer approach. It is comparable as an emerging digital-first player in the same niche.

Direct peers

• Oasis Financial: Oasis Financial is a long-established structured settlement purchaser serving plaintiffs nationwide. It competes for the same structured settlement seller base with similar court-approved purchase processes.
• Stone Street Capital: Stone Street Capital is a specialized buyer of structured settlements and annuity payments, operating with a similar direct-to-consumer model. It targets the same seller demographics with comparable lump-sum offerings.
• Fairfield Funding: Fairfield Funding purchases structured settlements, annuity payments, and lottery winnings for lump sums. It competes head-to-head with Annuity Payment Freedom on price-matching and transparent pricing in the same U.S. market.
• DRB Capital: DRB Capital purchases structured settlements and annuity payments nationwide, offering lump sums at quoted discount rates. It is a direct competitor in the same regulatory and competitive environment as Annuity Payment Freedom.
• Seneca One Finance: Seneca One Finance (now operating in a different capacity) previously purchased structured settlements and annuity payments as a direct competitor to Annuity Payment Freedom. It is listed by the company as a closed competitor whose former clients it services.
• Peachtree Financial Solutions: Peachtree Financial Solutions is one of the leading structured settlement buyers in the U.S. and also purchases annuity and lottery payments. It offers a similar direct-to-consumer value proposition with comparable discount-rate spreads and processing timelines.
• BCA Financial Services: BCA Financial Services is an established buyer of structured settlements and annuities, with a direct-to-consumer model focused on lump-sum conversions. It overlaps with Annuity Payment Freedom's core offerings and customer profile.
• Novation Settlement Funding: Novation Settlement Funding purchases structured settlement and annuity payments for lump sums. It is a smaller but directly comparable operator in the same secondary market niche.

Broad incumbents

• J.G. Wentworth: J.G. Wentworth is the largest and most recognizable U.S. structured settlement and annuity purchasing company, operating a broad national platform with heavy advertising. It is the dominant incumbent against whom Annuity Payment Freedom competes directly for the same seller pool.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Annuity Payment Freedom