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: A Secondary Market Annuity is Not an Annuity

  • Companies Still Using the Incorrect Term “Secondary Market Annuity”

    Companies Still Using the Incorrect Term “Secondary Market Annuity”

    Several websites continue to misuse the term “secondary market annuity” in their marketing and SEO content. Key offenders include AnnuityExpertAdvice, Annuity.org, MJ Settlements, SMA Hub, and Somerset Wealth Strategies. This term is misleading as it does not conform to any state’s annuity statutes, as structured settlement payment rights or receivables, are not annuity contracts.

  • 🔥 The Canonical 50‑State Table: What an Annuity Is Under State Law

    🔥 The Canonical 50‑State Table: What an Annuity Is Under State Law

    Annuities, defined uniformly across all U.S. states as insurance contracts issued by licensed insurers, are governed by state law. Acquired structured settlement payment rights, however, are not recognized as annuities under state law, which invalidates the concept of “secondary market annuities” as they do not represent legitimate annuity sales.

  • A Secondary Market Annuity is a Load of Hooey

    A Secondary Market Annuity is a Load of Hooey

    A Secondary Market Annuity is not an annuity says the NAIC. If you invest in an SMA, you have no insolvency protection in 34 states, with 2 considering it and the NAIC pushing hard for all 50 states to adopt 2017 revision to the Life & Health Guaranty Association Model Act (#520).