<prompt> Human: As the title says, I have a structured settlement and I need cash now. I also have an annuity. I would prefer one lump sum of cash that will be paid to me.Where do I start?  <response>: Lol. Despite jingle, dont call the company which shall not be named.If you do, have a good sense for the present value of your annuity.I read an expose on that industry.Basically they figure out the present value themselves, then lowball the fuck out of you. Sometimes less than 50 of whats its truly worth.It was really depressing.I dont know how exactly, but try to find a calculator and get an approximate value.There must be a more efficient marketplace than the tv jingle ppl.That being said, I wouldnt know first hand. 