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 Structured Settlement Watchdog®

Annuity.org claims to be “the most trusted resource on the Internet when it comes to learning about annuities and structured settlements. We believe knowledge is power. The more information we can give readers about these specialized financial tools, the better off they are when it comes time to make real money choices”. If there’s something about annuities you don’t understand and can’t find on our site, we can fix that. Just call or chat with us and let us know.

Please note that neither Annuity.org nor its managing member Raymond Apelado, is licensed by the Florida Department of Financial Services, nort appointed by any annuity issuer.  Please find the relevant licensee searches performed on February 8, 2016.

Download Florida LICENSEE SEARCH Annuity.org        Download Florida LICENSEE SEARCH Raymond Apelado.

Why beat around the bush when it is clear that Annuity.org is soliciting annuity cash outs?  Not only is the image immediately below indisputable proof of that, it also shows that Annuity.org advertises on Pissed Consumer, possibly profiting with huge banner ads on what may be dubious complaints about its own competitors, to competitors of the client(s) it serves.  Totally tasteless. 

Annuity.org cash out pissed consumer

In October 2015,  I called out Annuity.Org for more tasteless behavior, in Annuity.Org “Funeral Crashers” Lower Cash Now for Structured Settlement Bar  for trolling funeral websites.

Said another way

Bear Fishing Payment Stream

Gus the Grizzly Bear receives current annual “structured settlement payments” in Alaska King salmon currency.  Yuri, a brown bear with an anonymous website and an address at a nearby Regus teddy bears’ picnic area, offers to give Gus a barrel of Alaska King Salmon  now plus a  fishing spot further upstream.
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