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.

by John Darer CLU ChFC CSSC RSP

John Darer of 4structures reviews and explores rated ages and the challenges of impaired risk underwriting for structured settlement annuities with special guests Rosemary Brindamour, Chief Medical underwriter for John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York, and Robert Shavelle PhD of the Life Expectancy Project.

The following podcast was stimulated by the Ron Houben case in which the patient was initially diagnosed as being in a persistent vegetative state for 23 years, when he had locked-in syndrome.

 Part 1 of our podcast series on Rated Ages and Structured Settlement Annuities, Structured MSA and Structured Judgments

More on Structured Settlement Rated Ages and Structured Settlements

Learn more about the Ron Houben, the Belgian man misdiagnosed for 23 years as being in a persistent vegetative state.

Locked-in Syndrome (LiS): What It Is, Causes & Symptoms   Source: Clevleand Clinic

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