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.
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.
In addition 4structures.com LLC continues to build links to access helpful administration forms for payees of qualified structured settlement annuities, non qualified structured settlements, structured attorney fees and more.
Common Change Requests for Stuctured Settlements
Change of address
Set up EFT
Change of bank for EF
Check beneficiary
Name or change beneficiary
Add a contingent beneficiary
Change of Payee
Payment split due to divorce
4structures’ John Darer mainstains this list as a service not only for his own clients, but as a courtesy for all consumers of structured settlements
When I first entered the structured settlement industry there were more than 20 life insurance companies offering structured settlement annuities. Some of those companies who have ceased writing structured settlement annuities, maintain service departments for the run- off business, while other companies have sold those blocks. In some cases the structured settlemnet annuity block has been sold more than once. In one case, Allstate, its New York company and its non-New York company were sold to different purchasers.
Sometimes the servicing has been outsourced offshore, with well intentioned service subcontractors in place. But the representatives in some cases are sorely lacking in the historical context, giving you the feeling that they are merely schooled in or reading from a list of talking points. This has in some cases led to consumer confusion.
If you’re one of those consumers click on the above link.
The structured settlement business had its best year in its history in 2024. This has piqued the interest of new entrants to the marketplace with Puritan Life, American National Insurance Company (ANICO) commencing in Q2 2025 and Athene Life & Annuity Company slated to kick off in September 2025.
