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.

Isettlement.net states     "When a plaintiff wins a structured settlement in an injury claim or some other kind of tort case, they are not being awarded one thing; the plaintiff is actually being awarded a set of components that make up their structured settlements."

Structured Settlements 4Real   Add these folks to list of the ignorant or the knowing providers of misinformation. You can't win a structured settlement or be awarded a structured settlement. A structured settlement is created as a result of a compromise.

What is a structured settlement?
Isettlement.net states      "When payment is received through a structured settlement fixed annuity, the claimant’s payments are not subject to federal income tax. The earnings accrued from the payments are also exempt from federal income taxes. In most instances, the claimant can earn more money this way than through taxable investments"

Structured Settlements 4Real  Payments received from structured settlements are tax-free.  However, technically speaking, other than the fact that a structured settlement annuity is a "qualified funding asset", the annuity itself has no bearing on the taxability of the payments. In order to receive the tax exclusion the damages that the future periodic payments (annuity) represent must qualify under either 104(a)(1) or 104(a)(2) of the Internal Revenue Code.  While the majority of structured settlements involve fixed payments from fixed annuities, Settlement Plus, a variable annuity offered by MetLife through appropriately insurance and security licensed and appointed structured settlement brokers, is another option that permits a plaintiff to have variable structured settlement payments while enjoying similar favorable tax consequences as a traditional fixed rate structured settlement.

Isettlement.net states A structured settlement broker will help anyone who has a large cash award settlement that he or she wishes to sell.

Structured Settlements 4Real  DUH, a big fat juicy DUH! Why would anyone want to sell a large cash award? Remember that Abbott and Costello skit " Two Tens for a Five"?

Isettlement.net states in its glossary   A settlement aagreement is " a stage of settlement where all involved parties are in agreement with one another and satisfied with the outcome of the settlement.

Structured Settlements 4Real  Besides being inaccurate I settlement.net uses a circular definition  which defines an expression in terms of itself. The problem is that circular reasoning—however accurate—is bound to be uninformative. A settlement agreement is a contract executed by parties to a compromise, setting forth the obligations of the parties and other terms in writing.  When a claim or lawsuit is resolved by way of a structured settlement the settlement agreement is a critical document used to articulate the periodic payment obligation.

And of course Isettlement.net is peppered with pay per click ads for factoring companies or factroing opportunities.  Think of pay per click ads as a tip jar. if the service provided by the website is satisfactory then click and the "I've chosen to be anonymous" domain owner makes money. If you use the search engine on the site the same applies so don't use that either. Consumers, the structured settleemnt industry and legal community cannot encourage inferior standards by "tipping" isettlement.net's owners. So don't click on any pay per clicks on the site.

I have chosen to forego pay per click advertising and revenue on this site because I believe that pay per clicks and other pop-ups are an annoying distraction to the information gathering process.

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