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.

Social Media Gaffes-4 Imperial Structured Settlements ‘High Fat Diet”

by John Darer

Imperial Structured Settlements shot itself in the foot Saturday night when it released an advertisement about comparison shopping that asks this question:

"So what is the best way to compare structured settlement companies to find the best fit for you?";

followed by this answer:  "Look at this salad and think: Service, Options and Cost", and the picture below.

Structured-settlement-annuity-company

 Given that "cash now pusher" Imperial is known for the high discount rates* it charges to sellers of structured settlements, pictures of these  "buckets of fat" provide both a stunning and "mouthwatering" display of self-deprecation.

The fact is that "artery-clogging" discount rates mean less money for sellers of structured settlement payment rights. Perhaps this provides an explanation for the paucity of greens in the Imperial funding "salads"

* according to the form S-1 filed by Imperial Holdings on January 12, 2011, at page 3, the weighted average discount rate charged to sellers for the first 9 months of 2010 was 19.3%. moreover, the 4 year company trend was rising.

 

 

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