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.
How Long Can A Structured Settlement Last?

How Long Can A Structured Settlement Last?

by John Darer® CLU ChFC MSSC RSP CLTC

“How Long can a structured settlement last?” was a question posed by someone on Google today. It’s a great question, to which the answer is a structured settlement can last ” virtually as long as you want!”

What is a Structured Settlement?

  • A structured settlement is fully customizable and there are many types of structured settlement payment streams available to match up to or suit an individual claimant’s  or family’s financial needs.
  • A single structured settlement annuity contract can combine more than one type of payment stream stream to meet diverse financial needs.
  • Payments treams can be diverified across multiple carriers needs
  • Different structured settlement plan designs can be set up for different family members in the same settlement.
  • All payments under a structured settlement are income tax free.

A non qualified assignment has similar properties to a structured settlement while taking advantage of tax deferral instead of  the IRC 104(1) or IRC 104(a)(2) tax exemption.

 
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