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.

What Does IRC 5891 Do? IRC 5891 Did Not Make Factoring Legal or Illegal

by John Darer® CLU ChFC MSSC CeFT CLTC

There is a myth that when that Internal Revenue Code Section 5891 (IRC 5891) made factoring legal when it came into law as part of the Victims of Terrorm Tax Relief Act of 2001

Anyone who can read IRC 5891 can see for themselves that code section is all about,

  1. the imposition of an excise tax on structured settlement factoring transactions and
  2. the exemptions to the excise tax. Text of IRC 5891

There it is plain and simple!

Previous posts and quotes on IRC 5891

  1. Fallacy That IRC 5891 Legalizes Structured Settlement Factoring Is Tied to SSP and Began Under Hindert Regime…and Other Oddities December 13, 2007
  2. " As Patrick Hindert said to me…SSP might be looking to open a dialogue with defense entities that believe in plaintiff's rights,…"

 

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