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.
Debunking Annuity.org: The Truth About Secondary Market Annuities

Debunking Annuity.org: The Truth About Secondary Market Annuities

by Structured Settlement Watchdog

” Secondary market annuities are closely examined by the court system and require court approval”.Seen on Annuity.Org

Why what Annuity.org said IS NOT TRUE

Acquired structured settlement receivables ARE NOT ANNUITIES

  • Secondary market annuities are not annuities. 
  • Secondary market annuities is a scam label for a structured settlement receivables.
  • Structured settlement receivables scam labelled secondary market annuities) are not closely examined by the court system and do not require court approval
  • Court approval is required under Federal law in order for a buyer to avoid a 40% excise tax when acquiring structured settlement payment rights from the seller of those rights.
  • Court approval is intended to protect sellers and generally to determine, or (depending on the state) make a finding whether or not the sale or transfer of structured settlement payment rights is in the seller’s best interest and that of any applicable dependents.

2. “Within only a few decades of its creation, the secondary annuity market developed into a large, competitive and regulated industry”.

Why what Annuity.org said IS NOT TRUE

Acquired Structured Settlement Receivables ARE NOT Annuities

The structured settlement receivables market is scantily regulated. If it was regulated SMA hustlers wouldn’t be able to adorn structured settlement receivables with false eyelashes, lipstick, rouge and garter belt and with a nod and a wink, call them annuities when they are not annuities and hock them as secondary market annuities to retirees or other injury victims.

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