You should have a very good reason to sell your structured settlement... to pay down debt or invest in property, medical bills, or on an education for example. Since structured settlements are non-taxable when you receive your payments, it is also not taxed if you sell it for a lump sum... you have to file it in your tax forms though for it to keep its protected status. It's true that there are many unscrupulous companies out there that make very low offers. The best way to ensure you're getting your money's worth is to check with a marketplace that contacts several companies to get the highest offer for your settlement. I highly recommend Structured Settlement Quotes. They've got a great website that gives you everything you need to know, and then some!