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: Allstate Structured Settlements and Structured Payment Solutions
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A qualified assignment is a liability transfer mechanism allowing defendants or insurers to delegate future periodic payments in structured settlements to a qualified assignment company under IRS Code §130. It ensures tax-free payments to claimants while protecting their interests, allowing defendants to manage long-term obligations securely through regulated life insurance products.
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AM Best has downgraded the Financial Strength Rating (FSR) of Everlake Life Insurance Company (formerly Allstate Life Insurance Company to A (Excellent) from A+ (Superior). Everlake was are rebranding following the acquisition of Allstate LIfe in November 2021.
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Divorce rates in the U.S. stand at approximately 44.6%, necessitating careful handling in structured settlements, particularly during split funding. Effective documentation and communication are vital to prevent errors that can harm clients. Issues arise when annuity issuers change processes, emphasizing the need for updated procedures in anticipation of foreseeable challenges.
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A number of liquidity seeking Allstate structured settlement annuitants were hosed by effectively paying higher than necessary discount rates on structured settlement factoring transactions than they might have, had they been notified by Allstate as had been the custom and practice prior to 2007.
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When using split funding a structured settlement in any combination, whether a duration split, carrier split, or a product split structured settlement design , it’s a good idea to have a summary delivered to the plaintift.
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When you enter into a long term structured settlement, it can unsettling to later learn that the insurer has been sold or the product line discontinued. How insurers manage change speaks volumes. Examples of divestitures and acquisitions of structured settlement product lines, or actual insurers.
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A mother whose daughter committed suicide in April 2021 is contesting the naming of her own mother (the decedent’s grandmother) as beneficiary in 2016, 5 years prior to her daughter’s death. More than $3M in future periodic payments appear to remain following Brittany Zellner’s death
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The structured settlement research is intended to learn the depth at which annuitants of these companies are being targeted by structured settlement factoring companies with deals that are more expensive than that offered by hardship programs offers by annuity issuers themselves.
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Allstate had a peculiar way of issuing life with certain structured settlements as 2 contracts. This has led to confusion from time to time with contracts many years down the road. I’ve reblogged a 2015 post to help annuitants, colleagues and staff members. Allstate stopped writing structures in 2013.
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New York judges reviewing structured settlement transfer petitions involving Allstate structured settlements need to be more vigilant or they will be approving structured settlement transfer petitions that bleed money from those whose best interest the judges have a duty to protect.