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.
Understanding Period Certain in Structured Settlements

Understanding Period Certain in Structured Settlements

by John Darer CLU ChFC MSSC CeFT RSP CLTC

Structured settlement payments, referred to as period certain, specify the duration for which annuity payments will be made, regardless of whether the annuitant lives through the entire payment schedule.

Some people refer to a period certain as a guarantee period, however this usage occasionally leads to confusion when used in conjunction with a lifetime benefit. For example where an annuity is stated as being a life annuity with 30 years guaranteed, the annuity is guaranteed for life of the annuitant, even if that exceeds the guarantee period.

For this reason the usage of the term period certain is better. Alternatively one can express the above example as payable for 30 years, or the life of the annuitant, whichever is longer.

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