First and foremost never accept their first offer.  Always use a company like ours that compares offfers or compare them yourself.  By shopping around you can potentially get thousands more money.  Thee funding companies have vastly different cost of funds resulting in a wide array of offers.  Since structured settlements require a court order this will take some time and is subject to a judge's discretion.   This safeguard leave the structured settlement buyer with the opportunity to mislead you about the odds of getting your transaction approved.  Just remember the bottom line is price .(don't fall for their scare tactics) They may tell you the higher price offer you have will never be able to get it approved.  Hogwash   Flat out most, not all of these guys will tell you anything to get a deal.