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.

Truth In Advertising Re Attempted Transfers of United States Government Owned Structured Annuities

by Structured Settlement Watchdog

One of my readers writes  "I know you are a staunch advocate of truth in advertising in your industry.  I believe… the factoring companies have learned not to attempt to factor U.S.-owned annuity payments, but I never see a disclaimer or limitation in the cash now pushers’ advertising (i.e., not available if your annuity is owned by the U.S)".  

So my open question to all you factoring companies out there is how about it?  Where is your disclaimer?  Are you going to address the issue or must I add it to the  "soiled nappy" pile along with "cash now"?

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3 responses to “Truth In Advertising Re Attempted Transfers of United States Government Owned Structured Annuities”

  1. Matt Bracy Avatar
    Matt Bracy

    Interesting point John, and worthy of some thought. While I’m pondering, what do you think about a disclaimer being given to claimants before they settle with the government and agree to a structure that advises them that they can never, under any circumstances, sell future payments (the way someone who has a non-US government owned annuity can)?

    Reply
  2. John Darer Avatar
    John Darer

    Matt,
    It is my understanding that the government documents appear to be clear that the payments cannot be transferred.

    Reply
  3. Matt Bracy Avatar
    Matt Bracy

    They don’t John. When they contain antiassignment provisions, they are identical to non-government owned structured settlement antiassignment provisions. But, if the annuity is owned by anyone but the government, payments can be sold per state transfer laws. Not so with government owned annuities, unfortunately.

    Reply

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