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.

Symetra! Be Clear About Clearscape!

Together with other structured settlement brokers I received the following from Randall Talbott CEO of Symetra Financial…
Dear Valued Partner:
Today I am pleased to announce that our 2005 annual report is now available online.
As you read through our report, you’ll notice that the theme focuses on Symetra Financial’s readiness to take flight. Our costs are down, our platform is efficient, we are financially strong and we continue to see building sales momentum.
In 2005, we put the transition behind us, completing the complicated project on time and under budget. We also more fully aligned our distribution with today’s marketplace opportunities, launched new products and services, and earned a ratings upgrade from Standard & Poor’s.
We are a company with renewed passion to grow in the retirement planning, life insurance and employee benefits arenas. These are the right businesses, and we have the right agents, brokers and third party administrators to make it happen.
There will be challenges ahead, but we have done the hard work to create a company that is solidly built to compete. That is more today than at any other time in our near half-century history.
Best regards,
Randy Talbot
President and CEO
Symetra Financial
AOXP150               
                                                                                          
There is no mention in the Symetra Annual Report about Clearscape Funding Corporation, the factoring company that it owns and has been marketed by its annuity department.  Here are the “contact us” addresses from the web sites of both Symetra and Clearscape.

C’mon folks it’s the same address and same bloody suite number in Bellvue, WA…who are you kidding? Come out of the closet already!

To its credit Clearscape has finally yanked the “dude your getting a lump sum” rasta-preppy dude from its advertising. The replacement is a “buppie” (black urban professional) tie-loosened for the effect of “a hard working stiff”. Much more effective. Clearscape even now lists other alternatives to selling your structured settlement payment rights. It’s nice to finally see a level of responsibility. Keep it up.

Structured Settlements Reinsurance Agreement with Resolution – Individuals and Families September 11, 2018

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