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All guarantees referenced on this site are subject to the claims paying ability of the individual insurance carriers. Secondary market annuity purchasers acquire the right to receive payments from existing structured settlement annuities, factored lottery payments, or existing annuities. Payment rights are transferred via a court ordered transfer procedure in compliance with state-specific transfer laws and IRS regulations. Secondary market annuities are not securities or derivatives and SecondaryAnnuities.com does sell or offer any securities. Use of this site assumes understanding and acceptance of the Disclosures published on this site.