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.

Some Structured Settlement Brokers Still Appear To Contravene New York Insurance Advertising Law

by Structured Settlement Watchdog® 

The New York Insurance Department through its Office of General Counsel made it clear in a January 7, 2008 opinion (click here for my January 29, 2008 report) that an insurance agent or broker MAY NOT

  1. Make reference to an insurer in an advertisement, without indicating the location of the insurer's principal offices
  2. Use only the logos of the insurer in an advertisement (assuming permission granted to do so) without indicating the full name and principal office location of the insurers.

As it stands today a large number of structured settlement firms' web sites appear to contravene the law as set forth in the OGC opinion, including the firms of several NSSTA board members. Principle VI of the NSSTA Statement of Ethics and Professional Responsibility states that a "NSSTA member should comply with all material federal and state laws and regulations applicable to the structured settlement services that are provided".

Those in charge of the contravening firms should make what should be an easy fix to their web sites.

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