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.

Best Things About Structured Settlements-1

by John Darer CLU ChFC MSSC CeFT RSP CLTC

  • With a structured settlement you can plan for multiple needs and address them all within a single contract.
  • You can reduce your adminstrative burden. If you could solve a problem with an annuity, without using structured settlements you would likely need to use multiple contracts.

Note: On larger cases and depending on the nature of the cash flows (e.g. immediate, deferred, long duration) it may be prudent to diversify with more than one insurance company.

This post begins a new series on the best things about structured settlements. The format will be quick hits or sound bytes on each topic.

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