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.
Kings County Court Denied High Discount Rate “Loogie” for Lugo Settlement

Kings County Court Denied High Discount Rate “Loogie” for Lugo Settlement

Judge Starkey by John Darer CLU ChFC CSSC RSP

Discount Rate Exceeded Seller’s Age

Kudos to Kings County Supreme Court judge James G. Starkey who put the kibosh on an attempt by J.G. Wentworth subsidiary, 321 Henderson, to get away with charging a 21.42% effective discount rate to Gladys Lugo. Lugo, 21,  has been receiving structured settlement payments from American International Life Assurance Company of New York* since February 2007.

See Matter of 321 Henderson Receivables Origination LLC v Lugo (2009 NY Slip Op 51189(U)) (N.Y. Supreme Ct. Kings Index 3073/2009)

A courtroom scene featuring a judge holding a gavel, with a document displaying a 'DENIED' stamp and a discount rate. Two men are visible, one looking shocked and the other appearing calm. The setting includes a banner for 'Structured Settlements 4REAL' blog and references to legal entities.
No Loogoie for Lugo Judge Rules

Full caption

In the Matter of the Petition of 321 Henderson Receivables Origination, LLC, Petitioner,

against

Gladys Lugo, American International Life Assurance Company of New York and American Home Assurance Company, As Interested Persons Pursuant to GOL § 5-1701 ( c )

Postscript February 8, 2013

*now United States Life Insurance Company in the City of New York

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