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 CSSC RSP CLTC

Structured settlements can include an S&P 500 index-linked annuity adjustment feature, thanks to Pacific Life Insurance Company, which rolled out its rider on April 17, 2014, following its obtaining a favorable IRS Private Letter Ruling. It is now available for structured settlement quotes on both structured settlements and for structured attorney fees. Here is my introductory video which explains the index-linked annuity adjustment rider and its application for settlements in personal injury, medical malpractice, aviation, construction accidents, product liability and other disputes that qualified for damages under IRC 104, and legal fees.

Pacific Life issued structured settlement annuities in New York, through its subsidiary Pacific Life and Annuity Company. The New York company also offers the index linked annuity payment adjustment rider, which bears the acronym ILAPA.

 

<At the time of posting, the company currently holds an A+ (Superior) rating by A.M.Best. For more information, a structured settlement quote, or a discussion of your settlement planning needs please contact John Darer at (203)325-8640 or (888)-325-8640- toll-free. John Darer and 4structures.com LLC are listed as A.M Best Recommended Expert Service Providers.

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