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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Category: Alabama Structured Settlements
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MetLife has launched the Non-Qualified Assignment Flex Agreement (NQA-FA), providing enhanced payment flexibility not restricted by IRC 72(u). This product supports deferred payments, lump sums, and annual increases, allowing for customization. It serves as a settlement tool for non-physical injury claims, offering reliability and strong repayment features.
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by John Darer CLU ChFC MSSC CeFT RSP CLTC 1099-Misc Overview This post explains When Box 3 Applies What is Box 3? Box 3 on Form 1099‑MISC is labeled Other Income and is used to report payments that do not fit into the form’s other specific boxes. Settlement administrators and defendants sometimes report the entire…
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The article discusses the misleading nature of high “rate of return” claims in structured settlement proposals, often characterized by terms like “tax-free rate” versus “taxable equivalent yield.” It emphasizes the importance of accurately understanding Internal Rate of Return (IRR) calculations, noting that different cash flows may yield varying results.
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A structured settlement is NOT an award. A settlement is a compromise. A structured settlement may be part of the compromise. There has to be a “meeting of the minds”. There has to be an agreement. The settlement agreement is a contract.
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Payments are arriving 1 month late, resulting in Cathy incurs $200+ in late fees each month and credit is affected. She lives in fear that the power will be shut off or lose where she lives. It sucks that Cathy “feels in constant jeopardy” when this wasn’t the case when the payment arrived on schedule.
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Which current and former structured settlement annuity issuers have made the 2024 Ward’s 50® of Top Performing Life Insurers
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John Darer reviews the Certified Structured Settlement Consultant (CSSC) designation, earned by completing a program by the National Structured Settlements Trade Association and the University of Texas at Austin. The CSSC program, established in 1994, requires 60+ hours of study, work experience, and passing an exam, ensuring expertise in structured settlements.
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Court docs revealed the brothers’ grandfather didn’t have authority to sell the structured settlement payment rights, and that the lawyer their grandfather hired, paid himself from the trusts with “nearly every single disbursement .. made to himself with virtually no money being paid to the beneficiaries”
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At the plaintiff’s home to notarize confidential settlement documents to establish a structured settlement, the notary public mentioned that she knew someone who “could get the client more money” and called a representative of a structured settlement factoring company from another state
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Structured settlement annuities are not tax exempt. Where used as a “qualified funding asset” the structured settlement payments may be tax exempt, but the essential reason for the tax exemption is the damages that the payments from the structured settlement annuities represent.