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.

Is a Structured Settlement Payment Right An Annuity?

Flying By Night by Structured Settlement Watchdog®

Here's something for insurance regulators in Texas to chew on. The solicitation of investors from Dallas based US Annuity Exchange ("usANNUITYex") states "As part of a well-balanced diversified portfolio, you need some safe fixed-income investment options. usANNUITYex can offer you annuities from highly rated life insurance companies, at a substantially higher yield then (sic) offered directly from those companies"

First let us consider the following facts:

  • Annuity insurance is only offered by life insurance companies   Source: Wikpedia
  • One must possess an active insurance license in order to sell an insurance product. 
  • A stream of payments that have been purchased via structured settlement transfer IS NOT an annuity. The purchaser of such rights does not own an annuity contract. Instead the individual or entity owns the rights to receive certain transferred payments from the annuity contract or contracts.

After conducting research into UsAnnuity Ex the structured settlement watchdog believes that usannuity ex deserves to be carved up further when he discovered this less than stellar copywriting in the usANNUITYex solicitation:

  • Get Safe Yiled (sic) for your clients' cash
  • Cash Now! (sic) for Structured Settelements (sic)
  • Financial Consulants (sic)
  • Finanacial (sic) Consultants

The administrative contact for this company is listed as Morti Tenenbaum according to Whois records for the domain usANNUITYex (dot)com. Way to make a sloppy first impression Mort!

Postscript

As of  March 28, 2012,  usannuityex(dot)com is no longer in business, according to online research. The usannuityex(dot)com website was operating for a total of 2 years.  Nothing surprising about that. Investors in structured settlement payment rights need to know that there is no regulation of the people and companies soliciting investors of structured settlement payment rights.  A felon who served prison time for a Ponzi scheme and a shady business record was the spokesperson for another "online exchange" out of California

 

http://ads.sixapart.com/custom?id=1000002898807&width=300&height=250&js=1

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