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.

Understanding Who Issues Structured Settlement Annuity Policies

April 29, 2023

by John Darer CLU ChFC MSSC CeFT RSP CLTC

Who Issues Structured Settlement Annuity Policies?

Structured settlement annuity policies are issued by life insurance companies. For examples of a company that issues structured settlement annuity policies, see Structured Settlement Companies: Top Choices for 2026.

California Structured Settlement Broker’s Novel Answer

“Structured settlement brokers…and are responsible for issuing the annuity policy to the plaintiff”- FAQ answer from the website of a California licensed insurance agent and structured settlement broker , retrieved April 29, 2023

Is an Annuity Policy “issued to the plaintiff” when a Structured Settlement Is Established?

No, an annuity policy is never issued to the plaintiff when a structured settlement is established. See How Structured Settlements Work | Structured Settlements Explained (4structures.com)

Structured settlement annuities can be purchased by Defendants, Insurance Companies for Defendants, or Qualfied Assignment Companies.

Here was one surprising answer found on the web at time of publication…

” Structured settlement brokers…and are responsible for issuing the annuty policy to the plaintiff”=says FAQ answer from the webiste of a California licensed insurance broker and structured settlement broker at the , retried Aoril 29, 2023

According to the Insurance Information Institute however,

“Annuities can be purchased through insurance agents, financial planners, banks and life insurance carriers.

No, an annuity policy is never issued to the plaintiff when a structured settlement is established. See How Structured Settlements Work | Structured Settlements Explained (4structures.com)

Structured settlement annuities can be purchased by Defendants, Insurance Companies for Defendants, or Qualfied Assignment Companies.

April is Financial Literacy Month – a month intended to raise awareness on planning for a secure financial future. It’s also a time to reflect on the state of your personal finances and explore opportunities to improve them one step at a time.

Publishing what should be basic information directed to consumers, that is bereft of the accurate truth, would not be acceptable standard for someone who just passed a state insurance licensing exam, let only someone with decades of experience in structured settlements.

Let’s try to do better, eh?

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