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: Alexandria Structured Settlements

MetLife Announces NQA-Flex Deferred Payment Solution for Non-Physical Injury Settlements

April 1, 2026

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.
Joe Gargan the Convicted Embezzler and Former Structured Settlement Broker in Compassionate Release From Prison

October 8, 2022

Joe Gargan, the convicted felon and head of structured settlement broker The Pension Company,. who purloined millions of dollars from the USA taxpayers and a New York City area hospital, was granted compassionate release after being incarverated less than 2 years.
Sentencing Memorandum Unveils Joe Gargan’s Embezzlement Scandal

September 22, 2020

Once the United States learned of Mr. Gargan’s embezzlement, it allocated new funds to purchase the agreed upon annuities for the victims. As a result, each of the settlement agreements listed in Count 1 have been fully satisfied (by the US. Government)
What is a Structured Settlement Broker? Structured Settlement Broker 2026

March 16, 2019

A structured settlement broker is a licensed and regulated professional who provides professional advice and places structured settlement annuities and may provide fianncial advice and placement of financial vehicles pursuant to professional licenses.
Virginia Structured Settlement Purchasing Reforms

January 20, 2016

Structured settlement transfer applications must be filed in the county where the payee resides. Payees must appear at the structured settlement transfer hearing. Disclosure of prior structured settlement transfers, as well as attempted transfers, within a designated number of years.