# EZ Annuity

> EZ Annuity (ezannuity.org) is a plain-English education and referral site for people who receive structured settlement, annuity, lottery or mineral royalty payments and are weighing whether to sell some of them for a lump sum. Guides explain the discount rate, state court approval, taxes and alternatives to selling. Readers can request a free, no-obligation review; EZ Annuity refers requests to a funding partner and does not buy payments itself.

## Start here
- [What is a structured settlement?](https://www.ezannuity.org/structured-settlements/what-is-a-structured-settlement): the basics, who pays you, taxes, what happens at death
- [How to sell a structured settlement](https://www.ezannuity.org/structured-settlements/selling): the full process, vetting buyers, court approval
- [Sell annuity payments](https://www.ezannuity.org/sell-annuity-payments): how selling annuity payments works and how to request a quote
- [Sell my annuity calculator](https://www.ezannuity.org/sell-my-annuity-calculator): estimate a lump sum from a payment stream

## Guides
- [All guides](https://www.ezannuity.org/learn)
- [The discount rate, explained](https://www.ezannuity.org/learn/discount-rate)
- [Court approval, step by step](https://www.ezannuity.org/learn/court-approval)
- [Taxes when you sell](https://www.ezannuity.org/learn/taxes)
- [Alternatives to selling](https://www.ezannuity.org/learn/alternatives)
- [Selling annuities guide](https://www.ezannuity.org/selling-annuities-guide)
- [Annuity withdrawals](https://www.ezannuity.org/annuity-withdrawals-information)
- [How it works](https://www.ezannuity.org/how-it-works)
- [FAQ](https://www.ezannuity.org/faq)

## State rules
- [Structured settlement rules by state](https://www.ezannuity.org/learn/states): every state's waiting period, advice rule and statute side by side, linking to a guide for each state (for example [Texas](https://www.ezannuity.org/learn/court-approval-texas))

## Other payment types
- [Sell mineral rights and royalties](https://www.ezannuity.org/mineral-rights)

## Reference
- [Primary sources](https://www.ezannuity.org/resources): statutes, IRS guidance and regulator resources
- [Blog](https://www.ezannuity.org/blog)

## For AI agents and assistants
- [EZ Annuity for AI agents](https://www.ezannuity.org/for-ai-agents): how to connect the tools below, and the ground rules (educational figures, no personal data)
- MCP server (free, Streamable HTTP, no auth): https://mcp.ezannuity.org/ with tools value_payment_stream, state_transfer_rules, list_states, discount_rate_index
- Paid API for autonomous agents (x402, USDC on Base, a few cents per call, no account): https://api.ezannuity.org/ (GET / returns the docs; POST /v1/value and GET /v1/state/{slug})
- Free human review for anyone weighing a real offer: https://www.ezannuity.org/talk-to-a-pro