Meeting Your Clients Financial Needs

Transcription

1 Meeting Your Clients Financial Needs STONE STREET CAPITAL S LUMP SUM CASH OPTION Flexible Financial Solutions Stone Street Capital, Inc. provides flexible financial solutions for annuity recipients through the lump sum cash option. Having financial solutions available helps your clients when unexpected situations arise. Meeting Specific Needs Our professionals will tailor a transaction to suit your client's specific requirements. Many structured settlement recipients use a lump sum payment to: Purchase a home Manage medical needs Reduce or eliminate debt Make home improvements Improve quality of life "When my husband was diagnosed with terminal cancer, he wanted to do something special... Without the lump sum option, we would not have had the means." -Ann G. Financial Advantages Stone Street Capital's lump sum cash option offers many advantages to your clients: Most competitive rates so your clients receive the best value for their annuity Partial transactions preserve some or all monthly income while meeting immediate financial needs Tax free status of their settlement is maintained Court approved transactions protect your clients' interests Service, Integrity, Professionalism With over a billion dollars in funded transactions, Stone Street Capital has a proven track record. We provide flexible financial solutions while maintaining the highest standards of ethics, customer service, and professionalism. "I could not work consistently and I fell behind on my child support payments... I sold a portion of my monthly payments. Thanks to Stone Street, I was able to pay off my outstanding support obligations." -Henry B. About Stone Street Capital In 1989, Lee J. Jundanian founded Stone Street Capital to provide financial services for recipients of periodic payments. Since then, Stone Street has helped thousands of annuity recipients receive the present value of their payments. The advantages of Stone Street include: Unique financial options to meet changing needs of annuity recipients Oldest and most respected company in the lump sum finance industry Over a billion dollars in funded transactions Highest standards of service and professionalism "Selling my payments has opened new doors for me; I am finally self-sufficient." -Benjamin M LUMP-SUM ( ) Stone Street Capital, Inc Wisconsin Avenue Suite 500 Bethesda MD ph: fax:

2 Company Background Flexible Financial Solutions Stone Street Capital, Inc. provides innovative financial solutions for annuity recipients through the lump sum cash option. Long-term structured settlements are inflexible and cannot adapt to meet the changing financial needs of the recipient. Stone Street Capital recognizes the necessity of having financial alternatives available. Meeting Specific Needs We specialize in structuring transactions to meet our clients individual situations. Partial lump sum transactions offer the best of both worlds and can be tailored to satisfy a specific need without eliminating the entire monthly payment. Full lump sum transactions are available depending upon the client s need and financial resources. Our experienced professionals strive to create the best solution for each individual situation. Many people use their lump sum to: Purchase a home Manage medical needs Reduce or eliminate debt Financial Advantages Make home improvements Improve quality of life Start a business Stone Street Capital s lump sum cash option offers many advantages to our clients: Competitive rates so your clients receive the best value for their annuity payments Tax free status of their settlement is maintained Partial transactions preserve some income while meeting immediate financial needs Court approved transactions protect your clients interests Over a Decade of Outstanding Service In 1989, Lee J. Jundanian founded Stone Street Capital with the idea of creating financial services for recipients of periodic payments. After 14 years, Stone Street continues to lead the lump sum finance industry with thousands of satisfied clients and over a billion dollars in funded transactions. We are committed to upholding the highest standards of customer service, ethics, and professionalism.

3 Testimonials Providing a Valuable Service My husband and I were in a terrible accident years ago. The monthly payments we received provided necessary income during our recuperation. Years later, when my husband was diagnosed with terminal cancer, he wanted to do something special with our children. Selling a portion of the settlement to Stone Street gave us enough money to take a wonderful family vacation and use the left over money to set up college funds for our grandchildren. Without the lump sum option, we would not have had the means to accomplish these things. -Ann G. Offering Financial Alternatives I had been in and out of the hospital for a total of 10 surgeries because of injuries I suffered in a motorcycle accident. I could not work consistently and I fell behind on my child support payments. Wanting to provide for my children, I sold a portion of my monthly payments. Thanks to Stone Street, I was able to pay off my outstanding support obligations without getting a high interest loan. -Henry B. Meeting Our Client s Needs A train accident resulted in the loss of my legs when I was 10 years old. My family agreed to a structured settlement to provide me with a lifetime of monthly payments. Twenty-five years later I was still homebound and jobless. I wanted to start my own business and replace my aging prosthetic limbs, but I lacked the cash I needed to do so. The insurer refused to give me an advance on my payments. With nowhere else to turn, I called Stone Street. In 3 separate transactions I sold small portions of my payment stream, keeping monthly payments large enough to cover my living and medical expenses. With the first sale, I bought new prosthetic limbs. The second allowed me to convert my basement into a small commercial print shop that I could run. As my business grew, I sold another portion of my payments to purchase a handicapaccessible van to handle pick-ups and deliveries. Selling my payments has opened new doors for me; I am finally self-sufficient. -Benjamin M. *The names of the clients have been changed to protect their privacy.

4 FAQ Sheet Why help your clients to get a lump sum? When your client s financial situation changes and periodic payments cannot satisfy their needs, converting some or all of their future payments to a lump sum offers a solution. Accessing the present value of their payments allows your clients to gain control of their finances to: purchase a home pay for unplanned medical needs pay off debt make home improvements improve their quality of life Why refer your clients to Stone Street Capital? Stone Street Capital: is the oldest, most respected firm in the lump sum industry has helped thousands of satisfied clients has funded over a billion dollars in transactions has been in business over 14 years maintains the highest standards of ethics and professionalism What does the process involve? The process is simple and begins with completing our application form. Stone Street Capital will be here to assist your client and answer questions every step of the way. Can Stone Street Capital buy part of an annuity payment stream? Yes. Stone Street Capital will tailor a transaction to fit your client s situation. If continual income is required, we can arrange to bifurcate monthly payments. Partial transactions are ideal for preserving ongoing income, while providing a lump sum to satisfy current needs. Do all states permit the sale of annuity payments for a lump sum? Many states have legislation that allows for the sale of annuity payments. To find out more about the specific regulations, give us a call. How long does it take to complete a transaction? Most transactions close in weeks, based on the transaction specifics and the court order process in each state. Are there any closing fees or other costs? No. There are no hidden fees or charges.

5 Contact Sheet Company Information Address Stone Street Capital, Inc Wisconsin Avenue Fifth Floor Bethesda, MD Phone LUMP-SUM ( ) Fax (301) Web

6 Please furnish your return address. NO POSTAGE NECESSARY IF MAILED IN THE UNITED STATES BUSINESS REPLY MAIL FIRST CLASS MAIL PERMIT NO. 512 BETHESDA, MARYLAND POSTAGE WILL BE PAID BY ADDRESSEE STONE STREET CAPITAL, INC. STRUCTURED SETTLEMENT DIVISION 7316 WISCONSIN AVENUE, SUITE 500 BETHESDA, MARYLAND Your Guide to Financial Freedom YOUR GUIDE TO FINANCIAL FREEDOM Take Control of your Financial Future With Your Structured Settlement 7316 Wisconsin Avenue, Fifth Floor Bethesda, MD

7 TAKE CONTROL OF YOUR FINANCES TODAY Accomplish Your Goals Today A Lump Sum Payment Puts You in Complete Control Request a FREE Quote Call LUMP-SUM or complete this form Please contact me with a FREE quote. By converting future payments from your structured settlement into an immediate lump sum, you get purchasing power right away without waiting for future payments to arrive. Or, you may be able to set aside money that, if managed wisely, could accumulate into a comfortable nest egg for your future. Get More Financial Flexibility A lump sum transaction allows more flexibility for managing your finances. Many people choose the lump sum to: pay off debt buy a house make home improvements start a business travel invest Get Exactly the Amount of Cash You Need One of the best aspects of choosing the lump sum option is that we can customize the transaction to match your needs. You can take the full value of your settlement payments up front or just enough to cover your current needs by selling only a part of your payments. It s your choice. Even if you first opt for a partial conversion, you can always return later when new needs arise. No problem! We can structure a deal in many different ways to suit your needs. Name Address City State Zip Home Phone Work Phone Date Settled Amount of Settlement Monthly Payment Amount Annual Payment Amount Years of Payments Remaining Marital Status Single Married Divorced Widowed Are you currently working? Yes No If you were to receive a lump sum of cash today what would you do with it? (Check all that apply) Retirement Pay off debt House Car or Truck Travel College Wedding Charity Family Boat Start own business Other: LUMP-SUM ( ) Detach card. Fold in half. Seal with tape. Drop in mail. Thank you.

8 THE STONE STREET ADVANTAGE WHAT OUR CLIENTS SAY ABOUT US Why Stone Street is the Best Choice Real People, Real Results Clearly the Best Choice There are many reasons why Stone Street Capital is widely recognized as an industry leader. From our first contact until you receive your lump sum, we provide professional assistance and outstanding service. Experience We re the oldest, most respected firm in the lump sum finance industry. We ve helped hundreds of satisfied clients achieve their financial goals over the past fourteen years. Great Rates We offer the most competitive rates in the business, great terms, and an array of options that are hard to beat. Call and let our expert staff put together the right solution for your long or short-term needs. Meeting Your Needs Stone Street Capital specializes in customizing a proposal to match your needs. With some basic information about your settlement and your financial goals, our representatives can present you with several options and a free quote of our offer. Prompt Service Stone Street understands that time is valuable. When you need assistance, we respond. Call us to discuss your needs. We believe that once informed of the diverse options offered through Stone Street Capital, you will be able to find a solution to improve your situation. Helpful and Reliable Our staff of highly trained, experienced professionals understands your concerns. We are here to help when you have questions about a specific product offer or service. And you ll get straight answers, not a lot of complex legal mumbo-jumbo. Financial Freedom is just a phone call away. Call LUMP-SUM now. Testimonials A train accident resulted in the loss of my legs when I was 10 years old. My family agreed to a structured settlement to provide me with a lifetime of monthly payments. Twenty-five years later I was still homebound and jobless. I wanted to start my own business and replace my aging prosthetic limbs, but I lacked the cash I needed to do so. The insurer refused to give me an advance on my payments. With nowhere else to turn, I called Stone Street. In 3 separate transactions I sold small portions of my payment stream, keeping monthly payments large enough to cover my living and medical expenses. With the first sale, I bought new prosthetic limbs. The second allowed me to convert my basement into a small commercial print shop that I could run. As my business grew, I sold another portion of my payments to purchase a handicap-accessible van to handle pick-ups and deliveries. Selling my payments has opened new doors for me; I am finally self-sufficient. -Benjamin M. My husband and I were in a terrible accident years ago. The monthly payments we received provided necessary income during our recuperation. Years later, when my husband was diagnosed with terminal cancer, he wanted to do something special with our children. Selling a portion of the settlement to Stone Street gave us enough money to take a wonderful family vacation and use the left over money to set up college funds for our grandchildren. Without the lump sum option, we would not have had the means to accomplish these things. -Ann G. Client s names have been changed to protect their privacy LUMP-SUM ( )

9 COUNT ON STONE STREET CAPITAL Stone Street is Here to Help You GET ANSWERS TO YOUR QUESTIONS Frequently Asked Questions A Solution to Fit Your Needs No matter what your circumstances, Stone Street Capital can help you make the most of your settlement by getting a lump sum. In order to learn more about how the process works, or for a free quote, contact us at LUMP-SUM ( ). Why Wait? Take Control of Your Financial Future We can put you in complete control of your money. But we can only do it if you take the initiative to contact us. Now that you know the facts, why not pick up the phone and take the first step toward pursuing your dreams. Call to Find Out More Call us at your convenience or fill out the attached information request form and send it back to us. One of our helpful, knowledgeable representatives will be available to assist you. Stone Street Capital s Customer Service Pledge We pledge to offer the most innovative financial programs, maintain a level of quality service unmatched in the industry and deliver the best rates and terms available with the quickest turnaround possible. During the process, we will strive to treat every client with courtesy and respect, provide professional guidance and keep their complete satisfaction the goal in every thing we do. Why should I get a lump sum? Getting a lump sum allows you to take control of your financial situation now instead of waiting for payments to arrive. How much are my payments worth? Give us a call so that we can give you a free individualized quote that is specific to your payment stream and your need for cash. You have the option of selling part or all of your payment stream to raise the amount of money you need. How soon will I receive my money? It takes an average of weeks after you have signed the contract to fund the transaction and give you the money. By choosing a lump sum payment from Stone Street Capital, you can get immediate access to the full value of your settlement to spend anyway you want. Will I have to pay taxes on my lump sum? No. The lump that you will receive is tax free. The Federal Structured Settlement Protection Act states that as long as a court order approving the sale of your payments is received, there are no adverse tax consequences. How do I get started? It s easy! Give us a call at and we will give you a free quote on what your payments are worth. Our professionals will walk you through the process and answer any questions you have. It s that simple LUMP-SUM ( )

10 Application for Sale of Annuity Payments Applicant Information Applicant s Name Street Address City State Zip County/Parish Home Telephone How long at current address? Your Mother s Maiden Name Are you known by any other name than stated on your annuity? If so, what name Maiden Name States and Counties resided in during last 10 years States Counties Year(s) Current Occupation Driver s License Number State Applicant s Employer Social Security Number Employer s Address Birth Date Birth State Employer s Phone Have you been divorced since the settlement? Annual Income If yes, former spouse s name Current Marital Status Single Married Divorce Attorney Since Divorced Widowed Dependents and Ages Name Age Two Non-Family References Name Address Phone Next of Kin (not living with you) relation Name Address Phone Please detail below the reason you are entering into this transaction and the amount you need to raise. Be specific as to why this funding is important to you. Current Spouse Information Spouse Name Address (if different) Maiden Name Occupation City State Zip Employer Driver s License Number State Employer s Address Social Security Number Employer s Phone Birth Date Birth State Annual Income

11 Settlement Attorney s Information Name Phone Fax Street Address City State Zip Annuity Information Which insurance company makes your payments? Who is listed as the annuitant on the policy? Do you have an account representative? Policy Owner s Name If yes, name Telephone Who is listed as the payee on the checks? Who is listed as the measuring life on the policy? Policy Number In the event of the annuitant s death, who is listed as the beneficiary on the policy? Name Address City State Zip Telephone Settlement Information Original Defendant Is your settlement the result of- a court judgment an out-of-court settlement Date of Settlement Was your settlement the result of a worker s Besides the annuitant, were others listed as the plaintiffs in the compensation claim? original settlement agreement? What was the primary injury the settlement was provided for? If yes, who? Does the settlement agreement specifically allow for a change of Do you have a will? beneficiary? If yes, who is named beneficiary of your annuity payments? Have you ever changed the beneficiary? If yes, from whom to whom and when was it changed? Payment Information To what address or bank are your payments sent? Name Describe your full payment stream. Monthly payments: Date of first Amount Date of last Increase (if any) Address City State Zip Lump payments: Bank Name Date Amount Date Amount

12 General Information Where did you first hear about Stone Street Capital? Describe the payments you wish to sell Can you maintain your standard of living after selling your annuity payments? Please list all sources of household income Do you depend upon your annuity payments for medical necessities? Do you have a disability that prevents you from working? Has your annuity ever been garnished? Have you ever sold, assigned, pledged or borrowed against your annuity payments? If yes, to whom, when and which payments were sold? Do you have any tax liens or unpaid taxes? Do you have a court/administrative order to pay any type of support? If yes, you pay Do you have any unpaid child support obligations? To whom Do you have any liens or judgments against you? Have you ever filed bankruptcy? If yes, detail when and where and attach proof of discharge Are you currently involved in litigation? Have you ever been convicted of a felony? Are there any federal or state taxes withheld from your annuity payment per your request? If yes, how much?

13 The following documents are required for funding. PLEASE ATTACH COPIES OF THE FOLLOWING TO THE APPLICATION: Annuity Policy Executed Settlement and Release Agreement Most recent annuity payment check stub. If you receive direct deposit, attach a copy of a bank statement showing the deposit. 2 forms of identification, one must include a photo Divorce Decree and Property Settlement(s) (if applicable) Authorization to Conduct Credit and Criminal Background Check I hereby authorize the designated representative to conduct any and all criminal background checks and any and all credit history reports, searches or checks which it, in its sole discretion and judgment deems necessary or advisable. Authorization to Release Information I hereby authorize the designated representative or any of their successors, assigns, designees, agents or administrators to disclose, make available and furnish to them any and all information pertaining to my settlement as set forth. I specifically direct that the Annuity Issuer and Annuity Owner, or any of their successors, assigns, designees, agents or administrators cooperate with the purchasing company listed below regarding disclosure of information pertaining to or related to my settlement. Please provide copies via facsimile or otherwise of any and all documentation requested by the company listed below regarding my settlement. This also authorizes the contact of next of kin for data resources. Acknowledgment of Fraud Prevention System Inquiry I hereby acknowledge that the National Association of Settlement Purchasers maintains records of individuals who sell, assign or otherwise hypothecate structured settlement annuity payments. I authorize you to check the records of said association for such activity. By signing below, I/we certify that all of the information provided herein is true and correct. I/we understand that any intentional misrepresentations on my/our part will result in immediate cancellation of the assignment. Applicant s Signature Date Spouse s Signature Date please return completed application to: 7316 Wisconsin Avenue, Fifth Floor Bethesda, MD phone: fax: