<prompt> Human: I have a structured settlement from a large insurance company. The payments are spread out over the next 10 years or so. I am looking to buy a home in the very very short term perhaps by the end of the year?. Is selling the annuity the only way to receive a lump sum? Is it worth it? I understand I will most likely receive a significantly less amount of money than what the settlement is worth.Is anybody familiar with how I could go about this? Is selling it really the only way? Are there any reputable places that wont gouge me? Is it possible the insurance company would work with me instead of going through a third-party?  <response>: ITS MY MONEY AND I WANT IT NOW! 