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.

Annuity Payout Rate | Is Annuity Payout Rate an Interest Rate?

by John Darer® CLU ChFC MSSC RSP CLTC

An annuity payout rate is not an interest rate. An annuity payout rate is the percentage of the annuity purchase price that is paid out each year and includes both interest and return of principal. 

The term "annuity payout rate" is used in marketing as a way to make income annuities more attractive. 

If seeking to purchase an income annuity or a salesperson is trying to get you switch from a CD or other income producing investment, caution should be taken when considering the alternatives.

Internal Rate of Return (IRR) is probably a better measure of comparison than annuity payout rate.

Interest rate payout

The annuity poyout rate is not the interest rate no matter which way you stack it

 Last updated Decmber 17, 2023

 

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