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.
Why Take a Structured Settlement? | 4structures.com LLC

Why Take a Structured Settlement? | 4structures.com LLC

by John Darer CLU ChFC MSSC CeFT RSP CLTC

Five Reasons to Take a Structured Settlement

A light bulb with a glowing question mark inside, surrounded by splashes of water, with text saying 'WHY STRUCTURED SETTLEMENT?' and a phone number 888-325-8640 to reach 4structures.com LLC
  1. Structured settlements offer tax-free Income when used to pay for damages paid as consideration for personal physical injury, physical sickness, wrongful death or workerss compensation.
  2. Security with minimal investment risk**. Backed by the full faith and credit of one or more (depending on your structured settlement) large insurance companies who must meet stringent statutory reserve guidelines in all admitted states. Quite a few have been around for over 120 years!
  3. Automatic spendthrift protection in a structured settlement reduces the risk of dissipation of assets
  4. Mortality protection. If lifetime income is elected in your structured settlement, you effectively have insurance against outliving your structured settlement income payments.
  5. No stock brokers fees, no investment advisory fees, no special accounting or legal fees to create a structured settlement.

**generally a structured settlement is funded with a customized structured settlement annuity (or annuities)  which is an insurance product and not a security. There are some structured settlement annuities which are considered securities and can only be offered by prospectus. This article is not referring to that type of structured settlement or structured settlement funded with obligations of the United States government (Treasury Funded Structured Settlement).

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