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: California Structured Settlements
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Pre-funding a structured settlement can expedite the closing process and safeguard favorable rates in fluctuating interest environments, benefiting all parties involved. Insurance companies often issue pre-fund refund letters, minimizing risks for defendants. This approach is particularly useful in complex court systems like New York, ensuring timely funding of settlements.
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Is an Annuity Policy “issued to the plaintiff” When a Structured Settlement Is Established? No, an annuity policy is never issued to the plaintiff when a structured settlement is established. See How Structured Settlements Work | Structured Settlements Explained (4structures.com)
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California lawyer Jovan Johnson dabbles in the sell structured settlement payment league with AnnuityFreedom.net with the mantra ” Annuity Money Simple” Here’s why I think Johnson’s got things a bit cockeyed:
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Material to the discussion is that the Edward Jones case turns on allegations of a reverse churn revenue operation from March 2013 to March 2018, in which advisors moved largely dormant assets into the fee-based side of the practice, when the commission model would have better served the clients.
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The ability of investors in structured settlement payment rights to receive the same statutory protection as an annuitant who is receiving the payments as damages for their physical injury or a wrongful death is a matter for speculation.
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There doesn’t appear to be any evidence that an investor /purchaser of structured settlement payment streams in the tertiary market entitles the purchaser of the “receivables” to the same state guaranty fund protection that may be afforded the original annuitant. in the event of an underlying insolvency
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Would you feel safer receiving structured settlement tax-free income from the likes of Berkshire Hathaway, USAA, New York Life, Pacific Life, MetLife, Prudential, United of Omaha or a municipal bond from San Bernardino or Detroit in today’s market?
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The Stockton situation illustrates how placing a substantial percentage of your settlement into a home is not always a good idea. Setting aside the cost of maintaining the home and taxes, let’s look at what might have happened to a Stockton, California plaintiff who bought a home at the median price.
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Perhaps there’s a lesson to be learned by cash now pushers and enablers as to how the financial literati view what they offer as direct result of their business conduct.
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A Florida structured settlement factoring company was about to take advantage of a vulnerable minority woman from California in an improvident transaction that would have left her with much to live on. Fortunately the woman’s daughter told her to call the Structured Settlement Watchdog®, which she did.