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.

by John Darer® CLU ChFC MSSC RSP CLTC

A retirement annuity company is offering 3.05% for 5 years, or so says the email solicitation that I received as a Connecticut resident where the product is not even licensed to be sold. 

More Food for thought

A. M. Best rates the company B+

Weiss rates the company D+

Here's what Weiss might be looking at

Bonds In or Near Default                                              21.2%  (Bonds are 55% of portfolio)
Problem Mortgages                                                          5.9%
Real Estate Acquired by Foreclosure                             23.9%
Total Non-Performing Assets/Surplus & AVR                    51.0%
As a Percent of Invested Assets                                      5.5%

Errors and Omissions insurance policies often have policy restrictions or exclusions if the insurance company is less

In the words of Planet Patrol "Play At Your Own Risk".  Not a place for the "Stray Cash Strut".

 

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