Tired of beatin' a dead horse? Lookin' for a niche as big as Texas ? How 'bout brokerin' a few of them there structured settlements. The good ol' folks at Annuity Transfers, Ltd., a purchaser of structured settlement based annuities, are fixin' to help get you started!

No we don't always talk like that down here in Texas (but we do sometimes!). Seriously folks, brokering cash flows presents an exciting financial opportunity. Yes, the market, as a whole, is underserved and in need of facilitators just like you. Yes, a thoughtful business plan and concentrated, efficient follow through will produce results. But . where should you focus your efforts? Which cash flow fits your personality and your approach to business? Should you be factoring accounts receivable? Health care receivables? Lawsuit financing? Seller financed mortgages?

Typically, the new cash flow consultant is not sure what his or her niche really is. Each cash flow is defined uniquely, especially with regard to what it takes to close the deal. In order to maximize your efficiency, and your chance to earn sufficient income, you should study each opportunity. Since the cash flow consultant first deals directly with the seller, the consultant should know what makes the seller tick. Why would someone want to sell a particular financial asset? Will the process required to sell a specific asset type be enhanced by your personal interest and unique sales skills?

As a purchaser of structured settlement annuity payments, Annuity Transfers, Ltd. recommends that you consider structured settlements. The brokering of structured settlements requires direct interaction with an individual whose personal financial interest is on the line. The successful broker of this asset plays a direct role in the education of the seller and the negotiation required to consummate the sales relationship. Would you be interested in providing a real service that starts with a hand shake and ends with a big check (actually two checks, including the one you receive!)? If so, we are ready to help you get started brokering the sale of structured settlements in the secondary market.

Structured settlements are legal agreements between plaintiffs and defendants that originate from personal injury claims. One party sues another and the resulting settlement calls for an annuity to make future payment to the original claimant. The annuity is issued through a highly rated insurance company. The resulting future payment stream may be sold pursuant to a regulate process. Brokers of these cash flows find motivated sellers, familiarize them with the legal process, and introduce them to motivated buyers. A company like Annuity Transfers, Ltd. purchases the cash flow at a discounted price.

What makes this cash flow purchase unique is the absolute legal requirement that the seller have a very good reason for selling his or her future payments. Yes, that sounds very subjective and very un-business like, but it is the law. A judge must approve the transaction and determine that the overall agreement to sell future payments is structured in the seller's best interest. Price is an important factor in the court's determination, but not the only factor. All state laws that regulate the process (there are currently 46 structured settlement transfer statutes) require that all interested parties, usually the insurance companies and beneficiaries to the annuity, be given the right to object to the payment transfer. There is an absolute priority associated with understanding why someone needs to sell structured settlement payments. Anyone brokering this cash flow should be a good listener and be ready to discuss why the potential seller feels that it makes sense to sell an important source of future income.

The effective consultant provides both formal and informal counsel related to the legal process that protects their customer. The consultant can definitively ensure the seller that there is a good price out there, one that will be reviewed and scrutinized by a judge. Because the brokering of structured settlements is truly service-oriented, it requires more than the discussion of buying and selling, prices and discounts. All good business starts with a friendly smile, but this business should end that way too. The legal process concludes with a formal court order that protects all parties, ensuring that the seller will receive full payment as contemplated in the original agreement and subsequent contract. The court order provides confirmation of the terms of the contract, making it clear that -- ignoring the legal boilerplate -- the price offered for an important financial asset was fair and reasonable and that the overall transaction was handled correctly.

So, if you are ready to take on the world of cash flow brokering, but you are not interested in tackling six or seven cash flow disciplines, consider structured settlements. Let your good ear, and your great conversational skills work for you. Take advantage of your desire to learn, and to educate. Your customers will need your help understanding what it takes to follow the unique and challenging process. If you look forward to being more than just an intermediary, and doing more than just introducing your seller to a buyer, then this is a cash flow niche made for you. What other cash flow provides you the satisfaction associated with working toward what the law refers to as your customer's "best interest"? The management team at Annuity Transfers, Ltd. is ready to help you learn the many interesting facets of this unlimited, Texas-sized opportunity. Give us a call.