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.

LIMRA… “46% Jump in Fixed Annuity Sales” Q2 2008

Life Insurance Market Research Association (LIMRA) reports that overall individual-annuity sales grew 4% during the second quarter, buoyed by a spike in fixed-annuity sales. LIMRA states that U.S. individual-annuity sales grew to $68.4 billion during the second quarter, up from $65.7 billion, with a large portion of the growth from a 46% jump in fixed-annuity sales, including immediate annuities, structured settlements and deferred annuities.

Fixed-annuity sales reached $26.2 billion for the quarter and $47.6 billion year-to-date as of June 30.

The contractual guarantees inherent in structured settlements, Single Premium Immediate Annuities (SPIA) and other deferred annuities, such as defined benefit annuities/deferred income annuities are attractive as an investment alternative. For more on Structured Settlements Compared to Investment Alternatives click the highlighted title to the left.

Given the current volatility it is not surprising that variable annuities are down 12%.

Notable is that banks moved the most product among the distribution channels, selling $25.8 billion in annuities year-to-date, a 31% increase.

LIMRA's U.S. Individual Annuities study, authored by Dan Q. Beatrice "reports industry annuity sales and net flows on a quarterly basis. Sales are tracked for a comprehensive range of annuity product types such as variable annuities, fixed deferred annuities including indexed annuities, market value adjusted annuities, and book value annuities, as well as immediate annuities and structured settlements".

4structures.com, LLC has the resources to assist you with many types of fixed annuities such as:

For more information call toll-free 888-325-8640

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