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.

Structured Settlements Are Voluntary Agreements

by John Darer CLU ChFC MSSC CeFT RSP CLTC

Structured Settlements Are Voluntary Agreements

'Instead of negotiating a lump sum payment to compensate the injured party, a structured settlement is a voluntary* agreement Structured settlements are voluntary agreements reached between the parties under which the injured victim receives damages in the form of a stream of periodic payments'. -Richard D. Schuler, Palm Beach personal injury lawyer and partner West Palm Beach Florida Palm Beach plaintiff personal injury law firm of Schuler Halvorson Weissser & Zoeller, P.A. in The Palm Beach Post**

Cash Now Pushers and Uncredentialed Surrogates Push "Involuntary" False Narrative

Ignoring the fact that a "settlement agreement" is a critical part of establishing a liability to make periodic payments,  some "cash now pushers", themselves,  or through uncredentialed bloggers that write on their behalf, have misrepresented the nature of structured settlements to suggest that they are involuntary in an attempt to unsettle structured settlement recipients in their own self-interest.

Pennies on the dollar is the best they can offer.

* emphasis added

**Attorney Richard Schuler's cited Palm Beach Post article on structured settlements was updated September 24, 2016.  

Read more about How Do Structured Settlements Work | Structured Settlements Explained

Last updated May 13, 2025

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