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.

Viatical Settlement Model Act | State Insurance Regulators Missing Third Leg of The Stool

The Amendments to the Viatical Settlement Model Act are very comprehensive, and will ultimately impact ALL aspects of the viatical settlement business, not just investor-initiated transactions (STOLI)

The broad changes include

  1. Enhanced compensation disclosure transparency rules**
  2. new bonding requirements
  3. prohibitions on what can and cannot be said in viatical settlement marketing materials
  4. beefed-up rescission rights for policy owners. 

Now why can't state regulators get it together on structured settlement factoring transactions…particularly #1 and #3?

**This author believes that ALL compensation derived from a structured settlement factoring transaction should be part of a complete pre-factoring mandated disclosure, given the financial incentives that factoring companies are using to induce broker and attorney referrals. Is the broker who set up the structure taking a % of the deal to undo it? It's time that the brokers and attorneys in question stepped out of the shadows.

 

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