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.

ELNY Rehabilitators Blasted By Insurance Advocate Before ELNY Liquidation Hearing

By Structured Settlement Watchdog

In SoggySaga: Executive Life’s Liquidation Drowns Policyholders’ Annuitants Interests in 21-year Long Process Mount Vernon, New York based CINN CEO Steve Acunto excoriates those responsible for the management of the ELNY estate after it had been placed into rehabilitation. I found this table to be informative. It shows the ELNY asset/liability and surplus picture from 1994-2010 and the percentage of coverage of assets to liabilities, noting that the problems started 6 years prior to the financial crisis of 2008. Acunto is traveling and could not be reached for comment.

ELNY 1991-2010

 

 

 

 

 

 

<—–Coverage dips below 100% for first time

 

 

 

 

——————————————————————————————————————– The following link may be helpful to ELNY annuitants, settlement consultants and others

Omnibus Reply Memorandum of Law in Response to Objections to The Proposed Liquidation of ELNY and Distribution of ELNY's Assets Pursuant to The Restructuring Agreement

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One response to “ELNY Rehabilitators Blasted By Insurance Advocate Before ELNY Liquidation Hearing”

  1. Jennifer Avatar
    Jennifer

    Mr. Darer,
    Thank you for all of your hard work and time to keep us informed of what is going on with these greedy leeches who deserve to see the inside of a jail cell for a very long time. As I have posted several times before, I am one of those facing a reduction in my benefit payments. I have devoured everything I have been able to set my eyes on reading, on this site, and on Patrick Hindert’s site as well. I believe Mr. Hindert’s site was the first time I saw a posting with this chart on it. Although grateful for the payments, my question remains, “Where was the mystery money coming from for the last five years?” Methinks something smells rotten in the state of New York.

    Reply

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