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.

MassMutual “No Need For TARP” Program

by John Darer CLU ChFC CSSC RSP

Massachusetts Mutual Life Insurance Company ("MassMutual"), a former structured settlement annuity issuer, headquartered in Springfield, Massachusetts, announced November 7, 2008 it has no intention of participating in the US Treasury's TARP program.

"MassMutual is well positioned, and has the financial strength and capital necessary to meet the needs of our policyholders and customers despite the current economic environment. For more than 155 years, MassMutual has maintained long-term focus, providing the strength and stability our policyholders expect. Our company is built on a reputation of financial strength, diversification and quality. Moreover, our mutual company structure enables us to manage with the long-term interests of our policyholders and customers in mind. Thus, we have not participated in any discussions directly with the Treasury, and we have no intention of participating in the Troubled Asset Relief Proposal (TARP) Capital Purchase Program".

What was TARP?

U.S. to Offer Aid to Life Insurers – WSJ

About TARP | U.S. Department of the Treasury

 

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