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.
Understanding Rated Ages in Structured Settlements

Understanding Rated Ages in Structured Settlements

by John Darer® CLU ChFC MSSC RSP CLTC

Faster than you can say “cheap Rolex”, it seems that one structured settlement firm’s value proposition is to “knock off” their clients

“To hold down the cost for the client the structured settlement broker will try to obtain …an impaired life expectancy for the claimant“. – from another Structured Settlement Company web site

Pick your poison…?

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At 4structures.com, LLC, we have two main goals for our clients. First, we like to keep them alive. Second, we want them to live long and productive lives.

During the settlement planning process, if we can obtain a rated age from a life insurance company, we can offer a solution. This solution will have reduced costs. This solution will provide the needed future benefits. With a rated age, an improved structured settlement payout can be provided per settlement dollar. This payout is allocated to a structured annuity which includes lifetime payments. A rated age does not affect structured settlement payments for a fixed period certain or guaranteed lump sum payments.

For more information please visit  Rated Ages and Structured Settlement Cost 2025 | How It Works

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One response to “Understanding Rated Ages in Structured Settlements”

  1. Steve Craig Avatar
    Steve Craig

    I’ve always enjoyed when so called professionals in the financial services industry use “insurance-speak” to edify their clients on insurance company actions. As above, an indelicate settlement broker might focus on how the client is impaired rather than price improvement provided by the age rating. My favorite, of course comes from from the life insurance business where, unlike life annuities, health conditions adversely affect pricing. The inexperienced or otherwise boorish agent says to his client, “I’m sorry the premium is higher than I quoted, but YOU are sub-standard.”

    Reply

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