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Decide What to Sell. Make a decision about which annuity payments you want to sell and how much of a lump sum you want to receive. Get a Purchase Agreement. Request a purchase agreement to sell your annuity. Sign and Return the Agreement. Sign and return your paperwork to the purchaser.
Buyer Sends You Check or Wire. When the insurance company confirms the ownership of your annuity has been changed, you will receive a check or wire transfer for your full lump sum immediately.