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.

Structured Settlement Annuity in One Wordy “Inarticulate Articulation”

"Structured settlement annuities are as a (sic) result of broadly articulating
litigation that’s occurred between parties where a (sic) economic award has
been given by one party to another as a (sic) result of a court action".   Source: Settlementblog.net

Is an "broadly articulating litigation" something like a reticulated python? Reticulated python

What if the "articulation" is itself "inarticulate"?

Something better?…

A structured settlement annuity is a flexible form of insurance used to fund the payment of damages in the resolution of a claim OR a law suit. A structured settlement annuity is issued by niche group of life insurance companies and placed through/sold by licensed and appointed agents or brokers as a permissible "qualified funding asset" under Internal Revenue Code Section 130(d). While structured settlement annuities are primarily used for the payment of damages for physical injury or sickness, or in the resolution of statutory workers compensation claims, applicable use has expanded in recent years.

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2 responses to “Structured Settlement Annuity in One Wordy “Inarticulate Articulation””

  1. Steve Craig Avatar
    Steve Craig

    This also from Settlementblog.net on what I thought was the seminal text on our industry:
    “Structured Settlements and Periodic Payment Judgments” is a great book about the effects of “Structured Settlement Factoring Transactions“. The book provides readers with guidelines, procedures and definitions to help them transfer payments from their structured settlements.
    The book has a total of 1050 pages, is written in English and has a weight of 10.04 ounces, it can be bought from amazon.com at the price of $279.00 and ships in 1-4 weeks.
    WOW.

    Reply
  2. John Darer Avatar
    John Darer

    And the sad thing Steve is that Hindert and his co-authors have not addressed the subject of “servicing” of structured settlement payments in cases where holders of structured settlement payment rights sell only part of their payments but are either forced to transfer all of their payments allegedly due to life company unwillingness to split payments or, ostensibly as a scheme by a factoring company to control payments from future sales of structured settlement payment rights. The actors in this drama have yet to come forward with a definitive answer to what happens if the servicing factoring company goes belly up. The JG Wentworth Chapter 11 and Peach Holdings credit troubles give us considerable pause because they have been promoted as the 2 largest companies in that business.

    Reply

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