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.

NATLE Endorsed Strategic Capital Misleading Advertising

by John Darer CLU ChFC MSSC RSP

Canadian factoring company Strategic Capital  posts the following on its website as of 9:00pm on August 6, 2009:

 "A 2004 California Attorney General's report on the selling of structured settlement payments showed the average interest rate charged for the state was 19.2%. In the same year, the national average interest rate charged by Strategic Capital for structured settlement payments was 12.7%. The dramatic difference in rates charged means that Strategic Capital pays annuitants thousands of dollars more cash for their structured settlement payments".

What relevance does a 2004 California Attorney General's report have in August 2009?

It's a completely different economic environment and the use of such report in August 2009 is completely unethical on the part of Strategic Capital to imply that consumers should rely on this as to the company's current competitiveness.

On a positive note it appears that Strategic Capital no longer uses cash now advertising so they are being removed from the "cash now pushers" list.

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