Frequently Asked Questions

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Annuity Recovery Group is built on nearly 20 years of firsthand experience in the annuity transfer industry. 

Our leadership has been directly involved in high-value structured settlement transactions, advising clients through every step of the sale and court process.

We’ve helped thousands of individuals secure better outcomes by correcting undervalued deals, identifying hidden margins, and navigating the legal and financial landscape with precision.

Absolutely. Many of our past clients have offered to speak about their experience working with us—especially those we’ve helped recover substantial additional value before their court dates.

If you’d like to connect with someone who’s been through this process with our team, just email us at info@annuityrecoverygroup.com and we’ll reach out to discuss your case before introducing you to a past client with a similar deal.

We also encourage you to review the feedback shared publicly on our platforms—every testimonial reflects a real recovery story.

No. Our involvement won’t affect your court timeline in any way.

Once we help you secure a stronger offer, the buying company simply files a revised legal disclosure and purchase agreement reflecting the improved price. 

This amendment updates the court filing—but does not change your hearing date. We've never had a single client’s hearing rescheduled due to our review or negotiation process.

Yes. Once you're engaged with us under contract, we deliver a detailed written analysis outlining the real market value of your payments—along with the expected range your deal should land in based on structure, duration, and current market conditions.

This breakdown gives you transparency and clarity, helping you make an informed decision with every number laid out.

There are no upfront costs—our fee is performance-based.

We only earn a percentage of ONLY additional money we help you recover ABOVE your current offer. If no additional value is secured, or your transfer is denied, you pay us NOTHING.

Everything is clearly outlined in our agreement before any work begins.

We’ve developed a highly specialized approach to negotiation—grounded in real deal data, court trends, and funding relationships across the industry.

Rather than submitting blind quote requests, we position your deal strategically with key buyers, pressure-test their margins, and escalate only when there’s real leverage to apply.

That’s how we consistently push deals well beyond their original price—even at the last minute before court.

We assess every deal using a proprietary framework that evaluates market demand, duration, rate environment, and buyer-side profitability thresholds.

Because we’ve seen how the back-end of this market works, we know what discount rates are being applied, where buyer profit is being padded in, and how much room there really is to move an offer higher.

That insight is what allows us to expose undervalued offers—and correct them before it’s too late.

Our firm operates as a consulting entity under applicable U.S. law, and our services do not require state licensing.

We do not buy or sell annuities ourselves—we assist individuals in evaluating existing offers and negotiating improved outcomes before final court approval.

We work across all 50 states and U.S. territories, and are happy to coordinate with your legal counsel as needed to ensure transparency and compliance.

At Annuity Recovery Group, LLC, we’re confident in our ability to improve your outcome. That’s why we offer a bold, performance-based guarantee:

If we can’t secure a higher net payout than the written offer you already have, we’ll pay you $5,000.

To qualify, the following conditions must be met:

• You must provide a valid, fully executed disclosure statement and purchase agreement from a third-party company.
   
• The payments listed must be verifiably yours, currently available for transfer, and not previously sold, assigned, or pledged.
   
• You must execute a consulting agreement with Annuity Recovery Group and allow us a reasonable opportunity to negotiate on your behalf in good faith.
   
• The submitted offer must be legally valid, enforceable under applicable law, and not void due to technical defects or statutory violations.
   
• All documentation is subject to internal verification. We reserve the right to reject altered, incomplete, or unverifiable documents.
   
• Guarantee is available only to legal U.S. residents who are of legal age at the time of engagement.
   
• Limit one guarantee payout per person or household in any (6) six-month period.

This guarantee does not apply to any transaction previously quoted, negotiated, or originated by Annuity Recovery Group, LLC. 

It cannot be combined with any other promotional offer and is not a sweepstakes or contest.

We reserve the right to discontinue or revise this policy at any time, at our sole discretion. However, any client engaged under contract prior to such changes will remain eligible under the terms in effect at the time of execution.

Disclosures: This guarantee is a performance-based service commitment. Annuity Recovery Group, LLC does not purchase or broker annuities. All services are rendered as independent consulting and negotiation support. 

No legal or financial advice is provided unless explicitly stated in writing under separate agreement.