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.

The Retirement Security Needs Lifetime Pay Act of 2009

by John Darer CLU ChFC CSSC RSP 

Think there is no Congressional support for annuities? Think again!

H.R. 2748 (The Retirement Security Needs Lifetime Pay Act of 2009) was just introduced by Congresspersons Earl Pomeroy (D-ND) and Ginny Brown-Waite (R-FL), both members of the House Ways and Means Committee. The bill:

  1. Encourages the use of annuities in IRAs and qualified plans by excluding a portion of IRA and qualified plan annuity proceeds from retirement income.
  2. Contains an income exclusion provision to encourage retirees to receive some of their retirement savings in the form of guaranteed lifetime annuity payments. 
  3. Incorporates a clarification of the taxation of payments from partially annuitant deferred income annuity contracts. 
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