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.

“Boo Symetra” Post Highlighted in “Beyond Structured Settlements”

by Structured Settlement Watchdog

Thanks to Knowledge Management expert Patrick Hindert of S2KM for the reference to our "Boo Symetra and Boo Hoo Too!" post, dated January 14, 2006, in his Beyond Structured Settlements blog. Patrick publishes the actual announcement from Symetra that inspired the post (which I and other structured settlement consultants received).

FYI-the "Dude, You're Getting A Lump Sum" preppy guy with dreads appeared on the Clearscape Funding Corporation web site. Incidentally I've received alot of traffic to my original post.

People I've spoken to expressed a similar level of disappointment in Symetra as I have

Generally what I've heard is that people feel it's acceptable to assist your own structured settlement annuitants who are receiving structured settlement payments. It's when you step out of your own yard and play both the "creation" and "destruction" side of the structured settlement business to reap rewards as a full time factoring business that is a problem. You can put whatever spin on it that you want but it still stinks.

Hope Symetra's people get the message before it's too late

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