There are no two ways about it, most insurance companies are vile. When you are fully insured and have the mishap that they are in business to secure you against, they deny your claim or pay less than it will cost for you to fix the problem that they are supposed to fix. Most of us just let them get away with this behavior because it is too troublesome to take them to court.

For some, however, the need for a cash settlement is a matter of survival. They must take the insurance companies to court because of the unbearable stack of bills that stands between them and life before their unfriendly brush with the fates. Of these folks, a few win settlements that can provide for the needs generated by whatever mishap they have suffered. Unfortunately for them, these types of settlements are typically made with the insurance provider's convenience in mind in the form of the structured settlement.

If this has happened to you, the fighting isn't over yet. Now you have got to find someone to give you a lump sum instead of the structured nonsense that the court assigned. The bills won't pay themselves and the amount of the payment from the insurance company per period is too small to fill that bill. What you need to do is find a company that can find a buyer for you.

You cannot find any solution to any problem without first convincing yourself that it is solvable. That is the pre-step to all other steps. It must first be possible for you to accomplish it. The human mind is such that if we believe something can happen we are right and if we believe it can't we are also right. That is the bizarre truth about our species. For most things you will imagine that you want to accomplish the first--and most crucial by the way--step is to abandon doubt and fear for hope and faith. Sounds religious or spiritual, but in reality it is a matter of practical fact.

So, before you venture out into the world to solve your cash settlement problem, settle it in your mind. Decide how you want it to look. This practice is called the act of spiritual creation. You first take the exact thing you want--nothing less--so in this case, let's say the exact thing you want is a lump sum that is fair for your cash settlement. Now put your attention on this as though it has already occurred.

Don't fall into the trap of focusing on your doubts about this desire outcome, it will just fall flat. Think about how nice it will be when you find the solution to that problem. The feeling of relief and peace are what you must choose to feel each time you think about the end objective of receiving a fair cash settlement. The way the world works, if you do this, you will become like a magnet for the opportunity you are seeking. It will come easily and stresslessly. Good Luck with it!

Kinney Dancair is a writer with interests in self-improvement, business, and finance.