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.

What Do You HAVE To Do If You Have a Structured Settlement?

by John Darer CLU ChFC MSSC CeFT RSP CLTC

  1. Advise the annuity issuer if you change your residence address
  2. Advise the annuity issuer if you want to establish electronicnc funds transfer of your payments, at least 45 days prior to the effective date.
  3. Advise the annuity issuer and are receiving payments by direct deposit or electronic funding transfer and are changing your bank, make sure to change the EFT at least 45 days prior.
  4. Review your beneficiary designation periodically and notify the annuity issuer or qualified assignment company in writing. Every annuity issuer has a form you can use. Some may require that the changes are notarized. See  Structured Settlement Beneficiary Designations

Other than that…Absolutely Nothing!

Last updated April 30, 2025

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