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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about
Category: Advanced Funding Exchange Notice
Advanced Funding Exchange Notice was a liquidity feature offere by Allstate LIfe Insurance Company and Allstate Life INsurance company of New York when it was issuing structured settlement annuties prior to 2013. Most commonly known in the structured settlement industry by its acronym “AFEN”
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Judges are the last clear chance to prevent Allstate annuitants from getting “hoodwinked” into selling their structured settlement payment rights for a discount rate that is greater than the Allstate AFEN rate. They should reject any case where the effective discount rate exceeds the AFEN rate, all expenses in.
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In December 2006, a legal opinion raised doubts about the ability of assignment companies to restructure periodic payments, leading many insurers to withdraw from commutation programs, favoring factoring companies. However, a 2009 IRS ruling clarified that assignment companies could restructure obligations without tax implications, allowing insurers to resume commutation offerings.
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If you have an Allstate structured settlement annuity and have liquidity needs that cannot be met from any other source, make your first call to Allstate’s Advanced Funding Exchange Notice (AFEN) unit.
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While some castigate the Allstate AFEN program, the fact is Allstate is not holding people back from free market supply and demand and if people shop, as many do, they may get a better deal. Allstate offers an alternative. If you don’t like Allstate’s alternative then don’t sell your payment rights to them.
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A structured settlement commutation rider is a custom option for structured settlements that permits all or a portion of the present value of future structured settlement payments to be paid in a lump sum. Typically the commutation is tied to the death of the annuitant