I say that having cash in my hand now is more valuable to me than waiting for a payout over the course of many years. I am fifty five years old, and I just received a settlement. The issue is that I don’t get the cash at one time. I have to wait for it. Since life is uncertain, I don’t want to wait. Instead of waiting, I would rather have the structured settlement cash up front. This means that I am willing to sell it. All I need to do now is find the best price for what I have to offer.