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.

Category: 130X Trust

A settlement product that was offered by The Halpern Group prior to 2010

  • Could Structured Annuity Issuers Do a Better Job Protecting Plaintiff Annuitants?

    Anti-Assignment Provisions dilemma. This issue needs to be out on the table despite the fact that many in the structured settlement industry appear not to want it to be. Scared by a notional shrinkage of market capacity, some wish to sweep this issue under the rug instead of taking the issue head on.

  • United States Treasury Bond Trust Structured Settlements

    Structured settlements funded with United States Treasury Obligations can provide claimants with a greater degree of security than annuities for those that are most conservative. Is there a greater level of financial security than an issuer than has the financial strength to effectively write a $700B check and print money? Internal Revenue Code Section 130(d)…