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.
Can You Get “Full Value” If You Sell Your Structured Settlement Payments?

Can You Get “Full Value” If You Sell Your Structured Settlement Payments?

by Structured Settlement Watchdog

One factoring company suggests that “it was almost impossible to help (a selling structured settlement annuitant) receive full value” (for their structured settlement payment rights). The statement implies that IT IS possible for a selling structured settlement annuitant to receive full value. 

A Structured Settlement Annuitant will NEVER receive full value for structured settlement payments if they choose to sell them

  • The structured settlement payment rights are first reduced to “present value”
  • Then a percentage of that “present value” is paid , subject to Court approval.
  • No matter how competitive the amount of cash a factoring company is willing to offer you now, remember that you will never receive “full value”.

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