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.

More Misleading Advice from Genex Capital, On Inherited Structured Settlement

by John Darer® CLU ChFC MSSC RSP CLTC

Awful advice from Genex Capital website about inherited structured settlements. Genex Capital, disseminates horribly misleading information on the Structured Settlement-Quotes (SSQ) website about structured settlement factoring as part of its webpage " 13 Reasons To Sell Your Structured Settlement"

"In some instances annuities are inherited–a person who has inherited such a structured settlement may choose to sell and have their inheritance in its entirety, up front"

If you inherit a structured settlement what you are inheriting is a series of  periodic payments payable now or in the future that are income tax free, if the periodic payments represent damages that qualified for a tax exclusion under IRC 104(a)(2).

If you sell your right to receive such payments you sell those payments at a discount to the present value of the future payments, not the future value.  Ipso facto, bucko, you CANNOT have your inheritance in its entirety, up front or otherwise.

Isn't it your entire inheritance that you want?

 

More accurate information about inherited structured settlement.

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