General damages include:
If you settle your bodily injury claim, it must include all the types of damages available to you, or you'll likely lose your right to recover for those losses.
You could try to get a court to set aside the annuity, which doesn't seem very likely. The only other alternative, which would not be wise in your situation, is finding a company that purchases structured settlements from personal injury victims. Usually these companies will pay you 20 to 50 cents on the dollar and purchase your right to future payments. You'll be giving up a substantial amount of money if you choose this option.
If you're trying to put a value on a specific case, it would be a good idea to check with a lawyer near you.