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.

“In Force” Structured Settlement Opportunities of the Week: 5% for 2 Years! 5% for 3 Years!

If you are looking for an alternative to CDs or bonds for your IRA or pension consider structured settlement payment rights.

Some of the opportunities available this week:

  • Pay approximately $149,360 for a $220,000 lump sum payout 2/11/2018  IRR 5.4%  Payments rights backed by a New York Life annuity.
  • Pay approximately $36,413 for a $51,200  lump sum payout 04/23/2017  IRR 5.33%  Payments rights backed by a John Hancock Life Insurance Company (USA) annuity.
  • Pay approximately $45,040 for a $50,000 lump sum payout 11/21/2012  IRR 5%  Payments rights backed by a Prudential Insurance Company of America annuity.
  • Pay approximately $27,167 for monthly payments of $193.80 starting 10/17/2010 and ending 4/17/2030 (235 payments)  Total Payout: $45,566  IRR 6%  Payments rights backed by a Pacific Life annuity.
  • Pay approximately $38,796 for monthly payments of $380.00 starting 10/15/2010 and ending 06/15/2022 (141 payments) Total Payout: $53,580  IRR 6%  Payments rights backed by a Metropolitan Life annuity.

Payment rights to the aforementioned can only be acquired via Court Ordered transfer directly from the selling annuitant.

Also available, a non structured settlement annuity payment right:

  • Pay approximately $17,307 for monthly payments of $503,22 starting 10/06/2010 and ending 10/06/2013 (37 payments) Total Payout: $18,619  IRR 5%  Payments rights backed by a American General Life annuity.

Such opportunities are on a first come first serve basis.

Purchase of structured settlement payment rights may be suitable for:

  • Pension plans, IRAs and other qualified plans, where taxable payments are not an issue.
  • Allocation of funds from a lump sum coming due from another structured settlement. 
  • Where there is a need for stable income and there are offsetting deductions.

Before purchasing structured settlement payment rights do your homework, which includes a thorough analysis of your current and anticipated liquidity needs. Remember these are not annuities.

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