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 Are Structured Settlement Transfers Priced?

by John Darer CLU ChFC CSSC

Settlement Quotes, LLC posted a useful explanation of how structured settlement buyouts (structured settlement factoring transactions) are priced. This is a must read for:

  1. Holders of structured settlement payment rights who are contemplating selling them to raise cash.
  2. Judges
  3. Lawyers for tort victims
  4. Financial Planners

As a reminder, there Structured Settlement Factoring Discount Rate Calculator that will help put the knowledge and power in the hands of those who, having exhausted other options, must take the step of factoring their structured settlement payments.

Don’t be a fool and take the first thing that Peachtree Settlement Funding or JG Wentworth offers. Whether the advice from TV is being thrown at you by “Orson Bean”, or Mr. Bean, take charge of your own destiny.

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