Editor’s Note: This product has been removed from our side-by-side comparison because it has been discontinued. You can still read our original review below, but Top Ten Reviews is no longer updating this product’s information.

Woodbridge Structured Funding is an investment agency that purchases structured annuities in the form of structured settlements, lottery or casino winnings, or inherited or purchased annuities. Like most structured settlement companies, such as J.G Wentworth and Fairfield Funding, Woodbridge can buy all or part of your annuity. Alternately, you can sell a percentage of each payment. This lets you continue to receive monthly income from your annuity, just less each month in exchange for a lump sum up front.

This company has been in business since 1993, which is a good length of time for this industry. According to the website, it has purchased over $1 billion in structured settlements and other annuities. This purchaser of structured annuities offers a best-price guarantee.

Structured annuities are intended to provide a steady source of income over a long term and should not be sold lightly. Some companies, however, promote selling your annuities in order to get quick cash. Others, like Woodbridge, note that the decision should not be taken lightly. Woodbridge lists the cases where it may make sense to sell your structured annuity. It also lists the advantages to selling only part of the annuity.

When you contact Woodbridge, expect the representative to discuss your financial needs and suggest alternatives to selling the annuity. It recommends that you consult a financial advisor and tax professional. However, most state laws require you speak to a financial counselor or lawyer anyway. The website does not outline its process, only that you can call for a quote, and that the entire process can take 30 to 90 days to complete.

When it comes to annuity payments (as opposed to structured settlements and lottery winnings), Woodbridge has more restrictions. For example, if you wish to sell only part of your annuity, it needs to be for three, five or ten years of payments.

It could be worth your while to include Woodbridge when getting quotes for what you can get for your structured annuity. This company offers a guarantee that it can better any quote you get. You should always choose the company you feel most comfortable with, but the guarantee is assuring. You can call or use the online form to get a free quote.

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