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.

Impulse Sales language By Factoring Companies Should be Banned

Some factoring companies are pushing the envelope when soliciting structured annuity payment recipients to sell their structured settlement payment rights at a deep discount.

Here are some examples of what comes up:

  1. "Now there is no reason to languish for years to get the money that you deserve as a plaintiff."     Capital Funders of America
  2. "Tired of payments trickling in?"  Premier Time Investors, LLC (serve South Carolina)
  3. "Whether you need money to pay bills, purchase a home, pay for school, or anything!"
    Annuitypurchases.com
  4. "Get the funds to make things happen in your life! A downpayment on a home, new business venture, maybe putting in that new kitchen you always wanted or maybe you want to go back to school. Why should someone else decide what's best for you?     R&P Capital Resources
  5. "The funds from your structured settlements can make things happen in your life. Use the funds for a down payment on a home, a new business venture, to put in that new kitchen you always wanted or you may want to go back to school. What ever the reason- it's your reason and it's your money to do with as you choose. Why should someone else decide what's best for you?"       AllwaysFunding, a division of FDR Resources (firm also used "structured settlement quote" form label to cloud Internet search engine results)
  6. "The funds to make things happen in your life! A downpayment on a home, new business venture, maybe putting in that new kitchen you always wanted or maybe you want to go back to school. Why should someone else decide what's best for you?  AAA Strategic Capital

State and Federal Regulators need to do something to stop solicitation and advertising that preys on irrational impulsive behavior.

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