NOW, rather than having a trickle of cash dripping in monthly. If your payer is less than reliable, perhaps you would like more than anything to quit worrying about receiving monthly payments. You don't need the uncertainty of having your affairs depend on those of another. Dealing with defaults is costly, complex and time-consuming.
Many individuals lose everything.
Perhaps you would just like the security of having all your cash now. Many people have used their lump sum of cash to start a business. Perhaps you can use the money to purchase or pay off another house or property. Perhaps with the cash unlocked from your contract you can take the vacation or travel that your heart desires. A special type of gift that many people use the money for is to pay for a young person's college education.