Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Genex Capital 10th Anniversary of Faulty interest Rate Prediction to Induce Sell Structured Settlements

by Structured Settlement Watchdog

Dubious Genex Capital Anniversary

Ten years ago today Genex Capital CEO Roger Proctor cried wolf about rising interest rates in an attempt to get structured settlement annuitants to sell their

Clairvoyant

A Decade of "Clairvoyance"

structured settlement payments to his company for pennies on the dollar. His prophecy tuned out to be a dud. Anyone who got sucked in by Proctor's scare tactics would have lost money.

Genex Capital CEO Roger Proctor's cry of wolf from March 26, 2010:
"WARNING AGAIN: If you are thinking of selling your structured settlement payments, do it NOW, before interest rate increases eat into the value of your future payments and make you poorer".
Proctor's sense of urgency and act of "clairvoyance" proved to be unfounded and interest rates actually declined, in some cases massively, between March 26, 2010 and March 25, 2020. Lower interest rates mean a higher present value. 

5 Year US Treasury

March 26, 2010 2.59%
March 25, 2020 0.49% WOW!

10 Year US Treasury
March 26, 2010 3.86%
March 25, 2020 0.80% WOW!

30 Year US Treasury
March 26, 2010 4.75%
March 25, 2020  1.37%  WOW

 

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