If you’re looking for a stable investment that provides reliable returns, Wholesale Income’s secondary market annuities could be the right fit for you. But what exactly are secondary market annuities, and how do they work?

Here’s a quick breakdown:

  • What Are Secondary Market Annuities?
    Secondary market annuities are existing structured settlement annuity contracts that are bought and sold on the secondary market. These annuities were originally issued by insurance companies to individuals but are now being sold to investors like you at a discount. This allows you to buy in-force, guaranteed annuity backed payment streams, at a discount.
  • Why Are They a Good Investment?
    These annuities offer predictable, steady income payments and can be customized to fit your investment goals, whether you need consistent income or are looking to diversify your portfolio. By purchasing these payment streams, you’re buying the rights to future income payments at a discounted price.
  • Security and Stability
    Since these annuities are backed by strong, established insurance companies, they provide a reliable, low-risk income stream.

Wholesale Income specializes in offering these secondary market annuities, providing you with an opportunity to earn fixed, predictable returns on your investment.

To learn more about how secondary market annuities work and how they can fit into your financial plan, schedule a call or view our current inventory.

If you’re exploring options for higher yields without compromising safety, Wholesale Income might be the solution you’re looking for. But how exactly does it work?

Here’s how the process works:

  1. Get on a 1-on-1 call: We’ll discuss how Wholesale Income can work for your financial situation. During this call, we’ll help define your financial objectives, whether they are for income needs, capital appreciation, or safe growth.
  2. Select from our available guaranteed payment streams: Once we understand your goals, you’ll pick from the available guaranteed payment streams on our inventory page that align with your objectives. We can assist you in selecting the best fit, and we can also split, customize, or adjust the inventory to suit your needs.
  3. Simple purchase process: Once you’ve selected your investment, we’ll send you all the details about the secondary market annuity policy you are purchasing and set up your accounts with the payment servicing trust company. If you are using IRA dollars, we’ll help you establish your self-directed IRA and assist with fund transfers to stay compliant with the IRS.

This investment offers a balance of high yield and security, providing you with consistent returns and peace of mind.

If you’d like to explore how this can work for you, schedule a call or view our current inventory.

Payment Streams that have a COLA (Cost of Living Adjustment) simply have an annual increase.  These are typically 3% per year, as shown on a payment stream like this:

– 360 monthly payments of $3,500.00 starting on 10/09/2026, ending on 09/09/2056 – 3.00% COLA

The first 12 payments are $3500

The next 12 payments , starting 10/9/2027, are $3605

The stream increases 3% each year until the 30th year, and the last 12 payments in this stream are $8247.98

You can see the specific payments on the payments table, available for download in the green ‘More Info” button to the right of each payment stream.

Why COLA Matters for You
If you’re concerned about future inflation eating into your purchasing power, selecting payments streams with a COLA offers peace of mind by making sure your income keeps up with the rising cost of living. This is especially important for long-term investments where income stability is a key goal.

Wholesale Income payments with a COLA can be a powerful tool to ensure that your income stream remains valuable over time. You can see the details of the COLA on every payment stream by clicking the green ‘More Info’ button and then downloading the payments table.

If you’re considering investing with Wholesale Income, you might be wondering how much you need to get started. The good news is that the minimum investment is low, making it easy to take that first step toward securing your financial future.

Here’s what you need to know:

  1. Minimum Investment
    The minimum investment amount varies depending on the available payment streams and the type of investment you choose. Typically, the minimum investment for a lump sum is $10,000.  For income streams, typically it’s $500/ month as a minimum size to make it financially cost effective for you to purchase.
  2. Flexible Investment Options
    By splitting payment streams to suit your investment, we help you allocate your budget to suit your financial goals. Whether you’re looking for immediate income or a longer-term lump sum solution, there are options available at different price points.
  3. Why the Minimum Investment Matters
    The minimum investment ensures that you can access a guaranteed payment stream that meets your financial needs. It’s a great way to start building predictable, reliable income with a manageable upfront investment.

Investing in Wholesale Income doesn’t require a huge commitment upfront, and with the ability to choose from a wide range of payment streams, you can start at a level that fits your financial situation.

Ready to get started? Schedule a call or view our current inventory.

Wholesale Income Payment purchases can be arranged through a self-directed IRA custodian who is familiar with the asset class. There are special calculations to be done to account for required minimum distributions or RMD’s so it’s best to work with a custodian already familiar with the market.

It’s important to note that while Wholesale Income Payments have no fees or costs other than the purchase price and a nominal payment servicing charge, IRA custodians do have some costs. We refer all customers to GoldStar Trust for self-directed IRA purchases. See This Page for more info.

If you have a self-directed IRA and are looking for a way to invest in something stable and predictable, you may be wondering, “Can I use my IRA dollars for Wholesale Income?”

The good news is that you can!

Here’s how it works:

  1. Self-Directed IRA
    A self-directed IRA allows you to make your own investment choices, including safe, fixed-income options like Wholesale Income. This gives you more control over your retirement funds while staying compliant with IRS rules.
  2. Tax Benefits
    By using IRA dollars, you can benefit from tax-deferred growth, meaning your investments can grow without immediate tax consequences. This allows you to maximize your retirement savings.
  3. How We Help
    If you choose to use IRA dollars, we’ll help you set up your self-directed IRA and guide you through the process. We’ll also assist with fund transfers to ensure everything stays in compliance with the IRS.
  4. Tax-Deferred Growth of Income Streams
    Even if the Wholesale Income payments you buy in your IRA produce regular monthly income, your IRA stays tax-deferred until you take a distribution. This means you can buy income streams that pay in and let them build up and accumulate for future reinvestment—tax-deferred.

For more information and a video walkthrough on how to invest with your IRA, click here.

Investing in Wholesale Income through your IRA could provide you with a secure, predictable income stream in retirement, and we’re here to make the process as smooth as possible.

If you’re ready to discuss how this could work for you, schedule a call or view our current inventory.

Wholesale Income Payments are shown on the Inventory Page in configurations of Immediate Income, Deferred Income,  and Lump Sums. The price is calculated based on the benefits shown at the discount rate shown.

One of the great features of Wholesale Income is the flexibility it offers in structuring your payments. If you like a large lump sum but want just a smaller portion of it, or you see a great income stream but want it to be a smaller amount each month, then you are in luck.

Here’s how it works:

  1. Payment Splitting
    If you’re aiming for a smaller payout from a lump sum or want a portion of an income stream, we can split the payment stream to meet your specific needs. This is ideal for those who want more control over their income distribution.
  2. Custom Solutions
    While we cannot adjust the frequency or end date of a payment stream, we can configure payments to start earlier, or carve out a portion of a monthly payment stream just for you. With lump sums and income streams, we can split, customize, or adjust the available payment streams to fit your exact investment needs.
  3. Maximize Your Cash Flow
    This flexibility allows you to have more control over your income strategy. You can tailor your payment streams to suit your financial situation and long-term objectives.

If you like a certain case but want to buy just a portion of it, most can be split to suit.  For example, if you wanted 50% of this case,

Prudential Life-23.5 yrs-In Stock-  CaseID: 7A240528A-2

$330,377.28 purchase price –6.200% yield –$619,362.16 Total Payout

-18 monthly payments of $2,020.12 starting on 07/15/2025, ending on 12/15/2026

-265 monthly payments of $2,200.00 starting on 01/15/2027, ending on 01/15/2049

It would look like this:

Prudential Life-23.5 yrs-In Stock-  CaseID: 7A240528A-3

$165,189.68 purchase price –6.200% yield –$309,682.16 total payout

-18 monthly payments of $1,010.12 starting on 07/15/2025, ending on 12/15/2026

-265 monthly payments of $1,100.00 starting on 01/15/2027, ending on 01/15/2049

Lump Sum Splits

Lump sum cases may be split to suit the purchaser.  For example, one lump sum of $250,000 on 1/1/2030 may be split for a purchaser who only wants to purchase $150,000 of that future payment.  Lumps may also be split so the payout is sized to fit an available present day investment amount, such as the balance of an IRA or a specific desired purchase price.

We can split lump sums down to $10,000 in purchase price.

Take control of your income strategy by customizing your payments to fit your needs.

If you’d like to explore how we can customize your payments, schedule a call or view our current inventory.

When investing in Wholesale Income, it’s important to understand how the yield (or rate of return) is calculated. The good news is, it’s a simple and transparent formula!

Here’s how we calculate your yield:

  1. Net Present Value (NPV)
    The amount you invest is called the Net Present Value (NPV). In simple terms, we calculate the price based on the discount rate applied to the future payments to reflect what they’re worth today, using universal Discounted Cash Flow (DCF) financial mathematics.
  2. Income Generated from Your Investment
    Wholesale Income payments come from guaranteed structured settlement annuities, which issue payments exactly as shown on the inventory page. The great thing about these payments is that they’re predictable. Each payment includes both the return of your investment (the principal) and the interest earned. As time goes on, you’ll get more of your initial investment back with each payment, and less interest.
  3. How We Calculate Your Payments
    The price you pay for these payments is determined using Discounted Cash Flow (DCF) mathematics.   This is basic financial math and is used in all industries, like loans, credit cards, mortgages, and bonds. Unlike other annuities with complex crediting methods and opaque rates, WholesaleIncome is refreshingly straightforward.
  4. Yield
    The yield on your investment is also known as the Discount Rate or Internal Rate of Return (IRR). In Discounted Cash Flow terms, the investment price is the Net Present Value of the specific future payments shown, at the Discount Rate shown on the inventory page. While this may not be familiar to many people, it is basic financial mathematics that anyone can do with a calculator or spreadsheet.

Wholesale Income offers a reliable and easy-to-understand way to invest, with guaranteed payments that are transparent and predictable.

If you’d like to discuss how yield works on a specific investment or need more clarity, schedule a call or view our current inventory.

Navigating the inventory page is a key step in selecting the right Wholesale Income investment. Here’s a guide to help you understand how to read and make sense of the available options.

  1. Guaranteed Payment Streams
    Each listing on the inventory page represents a guaranteed period-certain payment stream. This means the annuity provides fixed, predictable payments over a set period, ensuring income stability for you.
  2. Payment Category
    The inventory page is divided into Immediate Income, Deferred Income, and Lump Sums. You can select the category that aligns with your income needs.
  3. Term Length
    The term length of the annuity is also displayed, showing you the duration of the payment stream. You can choose a term length that fits your long-term goals.
  4. Customizations and Flexibility
    If you are aiming for a smaller payout from a lump sum, or for a portion of an income stream, we’ll work with you to adjust the available options to fit your needs. If needed, you can split, customize, or adjust the inventory to fit your exact investment needs.
  5. Click ‘More Info’ for Additional Details
    For each available payment stream, click the green ‘More Info’ button to access downloadable payment table, reservation form, and illustration documents. These tools will help you better understand the details of each payment stream.

Take a moment to browse our available options and see what fits your financial goals.

If you need help navigating the page or have questions, schedule a call or view our current inventory.

The typical Wholesale Income Payment buyer is a smart and independent minded, safe-money investor seeking an above-average yield. They want low risk and no volatility.

We like to think of Wholesale Income as ‘Annuities for Smart People.”  Typically, our customers are dissatisfied with traditional annuity options like Index Annuities or SPIAS.  They want safety and predictability, but many do not need lifetime income, and traditional annuity options are usually low payout with lifetime income, plus long surrender schedules, poor accumulation, complicated terms, and lengthy contracts.

Our customers like to skip that complexity and get to the point- money in, money out.  What you see is what you get.

If this sounds like you, you’re in the right place.

Unlike all other newly issued annuities, Wholesale Income Payments have no holding or administrative costs other than a nominal payment servicing fee and, if applicable, costs to your IRA custodian.

Wholesale Income Payments are a refreshing, “what you see is what you get” transaction, without complicated fees, riders, or other costs.

Wholesale Income payments are considered very safe investments, comparable to new issue annuities and CD’s, but they come with a higher yield.  These payments are made by by highly rated life insurance companies and handled in an FDIC insured and regulated bank and escrow environment.  Expert legal counsel performs due diligence on all assets.  Buying a Wholesale Income payment stream is similar to many other investments where it’s wise to buy from professionals who you can trust.

In a well structured and properly documented Wholesale Income Payment transaction, there are five key items that document a case transfer and ensure legal safety of payments to you:

  1. Benefits letter from the issuer to the payee, which establishes that the Payee has the payments to sell.
  2. Court order changing the payee name to you or an entity that benefits you, such as our Business Trust.
  3. Acknowledgment letter or stipulation agreement after the court hearing from the Issuer naming you or an entity that benefits you as the new payee of the specific payment stream you purchased.
  4. Legal Review reviewing all documents, notices, filings, UCC statements, and procedures in each case and every jurisdiction the case is subject to.
  5. Absolute Assignment of the cash flows from our entity that purchased the payments assigning the payments to you forevermore.

Of course, this is exactly what we do at Wholesale Income. Counsel reviews each and every case.

Here’s why Wholesale Income is a secure option for your investments:

  1. Backed by Guaranteed Annuities
    Wholesale Income payments are guaranteed structured settlement annuities, which come from top-rated insurance companies, ensuring that the payments are backed by financial institutions with solid reputations.
  2. No Pooling or Management Fees
    Unlike some investment options, Wholesale Income payments are not pooled or aggregated. They are individual, in-force payment streams transferred in final and unappealable court ordered assignments, meaning that your investment is straightforward and not subject to any management fees or unnecessary complexities.
  3. State and Federally Regulated
    All Wholesale Income payments are transferred in state regulated and IRS compliant, court ordered transfer proceedings.  Each payment stream is assigned to a dedicated escrow account administer by a state and federally regulated bank and trust company. This ensures that your investment is protected and in compliance with all relevant regulations.
  4. Transparent and Predictable
    Wholesale Income’s “what you see is what you get” model gives you clarity and peace of mind. There’s no hidden risk or confusing terms—just guaranteed payments based on the structured settlement annuities you choose.

By investing in Wholesale Income, you’re choosing a stable, secure, and transparent way to generate income.

Wholesale Income Payments are an excellent, high-yield alternative to other fixed income investments. In addition, they can also form a high-yield, guaranteed income source for risk-averse investors, or to fund future obligations.

Here are a few planning scenarios that illustrate the uses of these tools:

Income Now:

A couple has a wide disparity between their ages (60-year-old man, 50-year-old wife).  Traditional joint life annuities will offer very low payouts for this couple.

However, Wholesale Income Payments can be used to produce income for any buyer, or buyers, and of any age.  In this scenario, the couple may use Immediate Income Payments to produce Income Now for a period of years, then use other tools to protect their money and produce income later, thus earning a higher yield than any other safe money option.

Income Later:

In addition to the Income Now Immediate Income Payment, the couple may use Deferred Income Payments to produce Income Later to guarantee income for the surviving spouse to re-position in the future.

Safe Growth Options:

Investors seeking high yield alternatives to CDs, or a couple with an age discrepancy as we detailed above, may use Lump Sum Payments as a Safe Growth Option to ensure that principal is available for the future.  This may be used for income, or to fund education, gift, or other goals. Investors seeking alternatives to the complicated contractual terms of variable and index annuities with income riders rejoice at the simplicity and high yield available in Wholesale Income Payments.

Wholesale Income payments can be a great addition to your retirement plan, whether you’re building for the future or securing income now. If you’re wondering how Wholesale Income fits into your retirement strategy, here’s what you need to know:

  1. Using Wholesale Income in a Self-Directed IRA
    One of the best ways to incorporate Wholesale Income payments into your retirement plan is by purchasing them through a self-directed IRA. This allows you to benefit from tax-deferred growth on your investment, which can help your wealth grow faster, without being taxed until you take a distribution.  In many situations, 401K’s and Pensions may also be rolled into Self Directed IRAs
  2. Retirement Income Strategy
    Wholesale Income payments are designed to offer reliable, predictable income streams, which makes them a great fit for a retirement portfolio. With guaranteed payments, you can know exactly how much income you’ll receive each month, giving you peace of mind during retirement.
  3. Other Options
    In addition to self-directed IRAs, Wholesale Income payments can also be bought with after tax (Non qualified) funds.  If you have any questions about how to include Wholesale Income payments in your specific retirement plan, our team can guide you through the process.
  4. Start Planning for the Future Today
    By including Wholesale Income payments in your retirement plan, you’re securing a steady income stream that you can rely on throughout your retirement years. This helps you reduce the risk associated with more volatile investments, like stocks or bonds.

If you’re interested in using Wholesale Income payments in your retirement plan or want to learn more about how this works, schedule a call or view our current inventory.

In the unfortunate event of the death of the owner of a Wholesale Income Payment, executors and heirs have several options.

For Payment Streams Owned by an IRA:

If the payment stream was owned by an IRA, the beneficiary designation of the IRA account will govern how the IRA ownership is transferred. The IRA is the owner of the payment stream and thus the payment stream will continue to pay into the IRA even if the IRA ownership is transferred to a beneficiary. Contact the Self Directed IRA Custodian, typically GoldStar Trust, for more information on beneficiary designation.

That said, a payment stream itself is an asset that can be sold at any time, whether it’s in an IRA or not.

For those who inherit IRAs that contain one or more payment streams, they may want to consider selling the payment streams for cash to pursue other investments, or they may seek to take the stream out of the IRA as a distribution in-kind. Either of these are viable options to comply with the 10-year required minimum distribution rules enacted in the 2020 SECURE Act.

In either a sale or a distribution in-kind, contact us or the DCF Exchange for valuation of the remaining payments and for repurchase offers for those payments.

For Payment Streams Outside of IRA:

Heirs of purchasers of non-qualified Wholesale Income Payments have options as well.

First, payment streams owned by deceased individuals can be transferred to heirs directly by communicating with the payment servicer. The disbursing department at GoldStar will require a copy of the will and death certificate in order to change ownership of the remaining payments and update the payee banking details in accordance with the terms of the will.

That said, individuals who inherit a payment stream but would instead like a lump sum payout can sell the stream back to DCF Exchange. Please contact us at any time for the valuation of the remaining payments and for repurchase offers for those payments.

Payment streams owned in a trust will continue to pay to the trust. However, after a death, a new trustee or beneficiary may wish to sell payment streams owned by the trust. This is easily accomplished, simply contact DCF exchange for valuation and repurchase offers.

Download the ‘What To Do When Wholesale Income Purchasers Die’ instructions here.

FOR ASSISTANCE, CONTACT:

DCF Exchange, LLC
Nathaniel M. Pulsifer
[email protected]
(877) 321-7927

GoldStar Trust Company
For IRAs and Payment Servicing
(800) 486-6888

While Wholesale Income is a stable and secure investment, it’s important to understand the risks associated with any financial decision. Let’s take a look at the potential risks and how we address them:

  1. Carrier Risk
    The primary risk with any investment is the possibility that payments may not be made as expected. However, Wholesale Income payments are backed by highly reliable and top-rated insurance companies. These payments come from guaranteed structured settlement annuities, which significantly reduce the risk of non-payment. The likelihood of non-payment is extremely low, but it’s important to understand that carrier ratings should be considered when evaluating your investment.
  2. Inflation Risk
    The payment amounts are generally fixed, but inflation could erode the purchasing power of your payments over time. Wholesale Income offers payment streams with Cost of Living Adjustments (COLA) to help keep pace with inflation. If you choose an option without COLA, your payments will not increase over time, leaving them potentially less valuable in the future.
  3. Liquidity Risk
    Since Wholesale Income investments involve fixed payment streams, they are not as liquid as traditional investments. You cannot easily sell or withdraw the funds until the payment stream reaches its designated end date. However, Wholesale Income routinely buys payments back from past clients or their heirs. Liquidity or surrender is available, however market interest rates at the time of sale will determine the value of the remaining scheduled payments. There is no partial surrender or partial liquidity formula or provision.
  4. US Mail Risk
    Wholesale Income payments come from the best of the best insurance carriers. However, these carriers typically use the US mail to send checks to the payment servicer, who then turns the payments around to you by ACH. The US mail is unfortunately not 100% reliable, and payments at times are late or lost in the mail. Our partners check each payment and perform stop and reissue services as needed, but sometimes payments are late.

Despite these risks, Wholesale Income provides a low-risk, high-reward opportunity for those looking for stable, predictable income.

If you’d like to discuss the risks in more detail or learn more about the options available, schedule a call or view our current inventory.

When considering investments, taxes play a crucial role in determining overall returns. Wholesale Income offers some attractive tax benefits that you can take advantage of, depending on how you invest.

Here’s how Wholesale Income can help you with tax advantages:

  1. Tax-Deferred Growth with an IRA
    If you invest in Wholesale Income through a self-directed IRA, your earnings grow tax-deferred. This means you won’t pay taxes on your returns until you take a distribution. This allows your investment to grow more efficiently over time, without the immediate tax burden.
  2. Taxable Income Portion
    The portion of each payment that constitutes income (as opposed to principal) is subject to tax. While carriers do not issue IRS Forms 1099 to the purchaser, the taxable income portion of each payment is the taxpayer’s responsibility. DCF Exchange calculates this portion and displays it on the Payments Schedule. you can learn more about taxes at this page about  Tax Treatment Of Wholesale Income Payments
  3. No Income Tax on the Principal
    For tax purposes, only the interest portion of the payments you receive from Wholesale Income is typically taxable. The principal portion of your payment is considered a return of your investment and is not subject to income tax, which can help minimize your overall tax burden.

Tax-Advantaged Investments
Whether you’re using an IRA or other tax-advantaged account, Wholesale Income offers a straightforward way to invest with potential tax benefits. By taking advantage of tax-deferred growth and predictable income, you can make your money work harder for you.

The yield on Wholesale Income Payments is higher simply because the seller of structured settlement payment rights is selling at a discount. These are existing, fully funded payment obligations. A buyer becomes the assignee of an existing payment stream- a note receivable bought at a discount.

Insurance companies are not issuing new contracts that these higher yields in this marketplace. Rather, sellers are willing to sell their existing payments at a discount that allows you to achieve a higher yield.

Think of it like a used car- once you drive that shiny new car off the lot and it drops in value.  When you go to sell it in the private market, even with 1000 miles on it, you won’t get what you paid for it when it was brand new.  You are selling at a discount, and the buyer gets a basically brand new car, at a lower price.

In summary, investors considering period certain Single Premium Immediate Annuities (SPIA’s) or using withdrawals from Fixed Annuities, Variable Annuities, or Indexed Annuities for cash flow, will find a Wholesale Income Payment a higher yield alternative.

Life is unpredictable, and sometimes you may need access to your funds before the end of your payment stream. We understand this, which is why it’s important to know how you can manage your investment if you need liquidity.

Here’s what happens if you need to access your funds:

  1. Liquidity Through Repurchasing
    Wholesale Income routinely buys payments back from past clients or their heirs. If you need to access funds early, we may be able to repurchase the payments you’ve invested in. However, this will depend on the market conditions and the interest rates at the time of the repurchase.
  2. Impact of Market Interest Rates
    When we repurchase payments, the market interest rates at the time of sale will determine the value of the remaining scheduled payments. The higher the market interest rates, the lower the value of the payments, and vice versa. This means the value of the payments could fluctuate based on market conditions.
  3. No Partial Surrender
    It’s important to note that there is no partial surrender or partial liquidity provision. This means you cannot access a portion of your payment stream; you would need to sell the full payment stream or leave it as-is.
  4. Guaranteed Payment Security
    While liquidity options are available, the great benefit of Wholesale Income is that you receive guaranteed, reliable income streams. If you don’t need immediate liquidity, you can rest assured that your payments will continue according to the agreed schedule.

If you have concerns about liquidity or want to explore options that suit your financial goals, schedule a call or view our current inventory

Getting started with Wholesale Income is simple and straightforward. If you’re ready to make an investment or just want to learn more about the process, here’s how you can begin:

  1. Step 1: Schedule a Call
    The first step is to schedule a call with us. We’ll take the time to understand your financial goals and help you select the right payment stream that fits your needs. Whether you’re looking for immediate income or a long-term investment, we’ll guide you to the best option.
  2. Step 2: Review Available Payment Streams
    Once we understand your objectives, you can review our available guaranteed payment streams. On our inventory page, you’ll see a wide variety of options to choose from, such as period-certain payments or lump-sum payments. You can also select options with COLA (Cost of Living Adjustments) to protect against inflation.
  3. Step 3: Choose and Confirm Your Investment
    After reviewing the available payment streams, you’ll select the one that best suits your needs. If necessary, we can help split or customize the payment streams to better align with your investment goals. Once you’re ready, we’ll send you all the details about your purchase, including a payment schedule, illustrations, and other important documents.
  4. Step 4: Complete Your Investment
    Once you’ve confirmed your investment, we’ll handle all the necessary paperwork and set up your payment processing. If you’re using IRA dollars, we’ll assist you in setting up a self-directed IRA and ensure that everything is in compliance with IRS regulations.
  5. Step 5: Start Receiving Payments
    After everything is set up, you’ll start receiving payments as per your selected schedule. Whether it’s monthly, quarterly, or annually, you’ll have a steady, predictable income stream guaranteed by top-rated insurance carriers.

Investing in Wholesale Income is an easy way to secure reliable, long-term income, and we’re here to make the process as seamless as possible.

Ready to get started? Schedule a call or view our current inventory.

You might be wondering what happens if you ever decide to sell your Wholesale Income investment. The good news is that Wholesale Income provides flexible options for selling your payments, should the need arise.

Here’s how selling your investment works:

  1. Repurchase Option
    Wholesale Income routinely buys payments back from past clients or their heirs. If you decide to sell your payment stream before it’s completed, we can assist in repurchasing the remaining payments. The repurchase process will depend on market conditions, but we work hard to ensure it’s as simple as possible for you.
  2. Market Conditions Affect Value
    When selling your payments, the current market interest rates will impact the value of your remaining scheduled payments. The higher the interest rates at the time of the sale, the lower the repurchase value. Lower rates will mean the value could be higher. It’s important to understand this dynamic when considering selling.
  3. No Partial Sales
    If you choose to sell, you would need to sell the full payment stream. Unfortunately, partial sales are not an option at this time, meaning you cannot sell only a portion of the payment stream. This ensures the transaction is straightforward and keeps things simple.
  4. Guaranteed Payments When Holding
    If you’re not ready to sell, you can continue to receive guaranteed, predictable payments until the end of your investment term. Wholesale Income is designed to provide you with reliable income streams, whether you decide to sell or not.

If you’re considering selling your investment or have questions about the process, schedule a call or view our current inventory.