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.
Qualified Assignments from the ELNY Era and Qualified Assignments Now

Qualified Assignments from the ELNY Era and Qualified Assignments Now

by John Darer® CLU ChFC MSSC CeFT® RSP CLTC

What are the differences between qualified assignments in the Executive Life of New York(ELNY) era (1983-1989) and qualified assignments today?

Here are some of them:

Today

  • The majority of annuity issuers today provide wrap around guarantees of the qualified assignment company.
  • Some holding companies guarantee the performance of the assignee. For example, AGC Life Insurance Company on structured settlements funded by American General Life Insurance Company and United States Life Insurance Company in the City of New York structured annuities; or PacificLife Corp, where structured annuities issued by Pacific Life Insurance Company and Pacific Life and Annuity Company are used as a qualified funding asset”.
  • Some qualified assignment companies, like BHG Structured Settlements, offer a guarantee from a different insurer within the same family of companies [where Berkshire Hathaway Life of Nebraska and First Berkshire Hathaway Life Insurance Company are used as a qualified funding asset]
  • Secured creditor of the qualifuied assignment company protection is available with many companies (IRC Section 130 has had a provision for this since 1988)
  • Model documents address the structured settlement secondary market an discharge of obligation by electronic deposit. 

What is a Qualified Assignment? (4structures.com)

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One response to “Qualified Assignments from the ELNY Era and Qualified Assignments Now”

  1. jessesToons Avatar
    jessesToons

    This was very interesting to learn about, thanks for sharing this information. I haven’t dealt much with structured settlement information before. My husband has out of no where gotten a sudden interest in it and I think that’s great, I just wish I understood it better. https://www.structuredsettlements.blog

    Reply

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