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: Broome County Structured Settlements

Structured Settlements in Broome County, NY is a collection of blogs, articles, and commentary on structured settlements by structured settlement expert John Darer CLU, ChFC, MSSC, CeFT, RSP, CLTC. The content is designed for personal injury lawyers practicing in or serving Broome County, as well as Broome County residents involved in lawsuits for personal injury, wrongful death, or medical malpractice, who are seeking settlement planning advice and information.

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.
NYC GMVA Look back Window | A Second Chance at Justice: Understanding NYC’s 2026 GMVA Lookback Window and How Settlement Planning Supports Survivors

February 27, 2026

New York City’s 2026 amendment to the Gender-Motivated Violence Act introduces an 18-month revival window for survivors to pursue civil claims previously dismissed due to outdated statutes. This amendment allows claims regardless of timing and expands institution liability, providing a renewed path to justice and support for survivors through structured settlements.
Structured Settlement Qualified Assignments | Bad to the Bone!

October 24, 2025

Is an Unassigned Structured Settlement a Spineless Jellyfish? Hardly! Uncle Sam does them.
Qualified Settlement Fund May Not Get Better Structured Settlement Rates

July 8, 2010

Acknowledge the value of a qualified settlement fund as a settlement planning tool when it is suitable, but avoid employing it indiscriminately based onbroker or planner solicitations, for the reasons detailed in this post.
Executive LIfe of New York-ELNY Liquidation Diary-3

January 1, 1970

As tough as it is, if you are a structured settlement broker or settlement planner who believes in its product. and even if, like me, you never wrote any ELNY business, you should consider being there to provide compassion and to help wipe the tears of these people.