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.

Hartford Life Insurance Company to Exit Structured Settlement Business

by John Darer® CLU ChFC MSSC RSP CLTC

Hartford Life Insurance Company will cease writing new structured settlement annuity business effective April 27, 2012. The Hartford had only re-entered the business last summer after a brief hiatus, but pressure put on the parent company to narrow the company focus to its property casualty business by major shareholder John Paulson,  was the impetus to the action.  Hartford Financial Services Group Inc. also announced it will stop selling individual annuities and seek buyers for parts of its life-insurance unit, according to various news reports today.

The important thing for Hartford annuitants is that Hartford Life Insurance Company has not gone out of business

It is only ceasing writing new business in the structured settlement market segment.

Hartford previously exited the structured settlement business in October 2009 “as part of the company’s decision to exit the institutional business” , spokesman David Potter said on August 23, 2011- Forbes   Here is the video podcast that Mark Wahlstrom and I published October 30, 2009.

Revisionist Historians continue to mischaracterize the 2009 withdrawal as the result of the Spencer v Hartford lawsuit

Tulsa attorney Richard B. Risk Jr. and Patrick Hindert are the “Revisionist Historians”

Risk on his website, Hindert on his S2KM  blog have pushed the Spencer v Hartford claim when none of the other attorneys leading the litigation made the same claim. Proud of success yes, but those attorneys have moved on.

Hartford CEO Liam McGhee is quoted in Bloomberg News March 21, 2012 that he opted against the complete breakup advocated by billionaire John Paulson because it wasn’t the best way to create value. 

Credit-default swaps on Hartford Financial Services Group Inc. fell by the most in a day since Nov. 30, 2011. The cost to protect debt tied to Hartford Financial from default for five years slid to the lowest level since August 2011, according to Bloomberg.

“Credit Check” for Attorney Dick Risk? – Structured Settlements 4Real®Blog August 23, 2011

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