Welcome To NLRB Financial Consumer Union
Bringing “Private Banking” financial information about annuities, structured settlements and more to the middle class of America.
Trying to find a smart and fast way to "sell my annuity" or "sell my structured settlement" to achieve your life dreams? Pay medical bills? Or send your kids to college? Go to our services page for more information on how we can best help you achieve your financial goals.
Annuity
Annuities and structured settlements can be difficult to understand. Our job is to explain them in an easy way so you can make wise financial decisions for you and your family.
- Fastest Cash For Selling My Annuity
- How To Sell Annuities - Step-By-Step Guide
- Buying, Splitting & Selling Annuities
- Types of Annuities
Structured Settlement
Sometimes the steady income from structured settlements is just not enough to cover your immediate financial needs. You need more. A lot more.
- More About Structured Settlements
- Structured Settlement Brokers: How To Choose The Best?
- Personal Injury Settlements
- Workers’ Compensation
Why Sell Your Payments?
Financial priorities constantly change. Cars break down, houses need repair, your health can decline and student loans come due. Often these events happen just when you can’t afford them. Learn how selling your future payments for cash can be the solution.
- Anchor your portfolio
- Improve your home(s)
- Help with your credit debt
- Improve or start a small business
- Relief from medical bills
- Increase your current income
- Cash out annuity inheritance
- Help out a friend
- Employment change
Latest News
Should I Worry About Social Security?
You will get a Social Security check when you retire. If you doubt me, look around and count the votes. How many among us would vote to abolish Social Security’s safety net? What would be the future of any politician who tried? There’s a good deal of talk about privatizing Social Security, leaving beneficiaries to…
Have You Accidentally Left Your Spouse Without the Annuity Benefits He or She Expects?
Many a married couple is going to be in for a surprise. When one of you dies, the annuity may not behave the way you think. These contracts are complicated, with lots of moving parts. Unless you buy right—and title the annuity correctly—you might not get all the benefits that you thought you paid for.…
If You Already Have an Annuity, Should You Switch to a New One?
Yes, if you’re in a fixed-rate annuity and the insurer is stiffing you with a truly rotten rate—say, 3 percent in a 4.5 percent world. Switch to a CD-type annuity instead. Yes, if you’re in a high-cost variable annuity and will switch to a low-load annuity. Probably, if you’re in a high-cost variable annuity and…
If You Inherit an Annuity, How Are You Taxed?
If you inherit a tax-deferred annuity from your spouse, you have all the same withdrawal options that your spouse would have had. You can keep the annuity, switch to another one (in a tax-free exchange), or take the money out on whatever schedule the contract permits. Ordinary income taxes are due on the earnings when…
The Low-Load Annuity Advantage
If you think you are a candidate for an annuity, go low-load. Their costs are small, compared with the rest of the products on the market, and you can take out your money whenever you want, without paying a penalty. Low costs, total flexibility. Why would you look at anything else? It may take only…
Variable Annuities – Bad Buys on Their Own, Risky with Income Guarantees
On the surface, variable annuities (VAs) seem heaven-sent to anyone who buys mutual funds. You generally start the annuity with $10,000 or $15,000, depending on the company. That money is invested in mutual funds—subaccounts, in an annuity, speak—and accumulate tax-deferred. There’s the usual range of investment choices: U.S. stocks, international stocks, bonds, and a balanced…
JG Wentworth Commercial Song Lyrics
Do you remember this commercial? It first aired in 2008 and has become a main stable as one of the most hated, but most remember commercials of all-time. I have a structured settlement and I need cash now! Call J. G. Wentworth! 877 cash now I have an annuity but I need cash now! Call…
Equity-Indexed Annuities – An Investment to Avoid!
Run, run, run from the investments known as equity-indexed annuities (EIA). All too often, they’re sold deceptively, to people who don’t understand how they work, by salespeople who are making a killing in commissions. Attorney generals in several states have brought and settled class-action lawsuits against companies that sell EIAs. FINRA, which regulates securities firms,…
Are Your Fixed Annuities Safe?
It depends. Fixed annuities are backed by bonds and other assets in the insurance company’s general account. They’re valued at the cash guaranteed in the contract plus any interest that has been credited. Failing insurance companies are placed into rehabilitation. If another insurer buys the business, your current interest rate should be good (although it…
How to Lower the Risk of Getting a Poor Fixed Annuity
It is recommended that you buy only CD-like, multiyear annuities that pay a fixed rate over a specified period of time. This is because you know exactly what you’re getting. At the end of the term, the insurance company has to offer you another good rate to keep your business. It can’t play games with…
The Pros and Cons of Structured Settlements: What You Need To Know
Structured Settlement Loans Pros and Cons When it comes to personal injury and accident lawsuits, most of them never see the inside of a courtroom because both parties choose to reach a fair and equitable settlement. How this works is the plaintiff (the person who suffered the injury) agrees to stop any current or future…
What To Do When You Are Finally Ready to “Sell My Annuity”
Your focus is to find the right company to sell your annuity for the best possible price so you can put the most cash in your pocket. While that is your focus, there is a lot that you’ll need to do before you can get there. If you rush things, you could make a wrong…