You should not even consider selling your structured settlement payments for cash unless you have exhausted and explored all other options. It’s a very expensive cost of money and could seriously impact your financial viability.
Companies come up with all sorts of gimmicks to get people to part with their structured settlements. Much of it can be easily rubbished!
If you are based in Florida be very careful, I am aware of judges there who have approved multiple transactions in a short period of time when it was clearly not in a person’s best interest. Be careful not to accept bribes or inducements to go to a state other than your home state and be darn sure you don’t state in a court document your residence other than what it really is.