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: Canada Structured Settlements

  • Challenges in U.S.-Canadian Structured Settlement Transfers

    Challenges in U.S.-Canadian Structured Settlement Transfers

    Canada law requires that structured settlements must:(1) arise in respect of a claim for damages related to personal injury or death; (2) be funded by a single premium annuity that’s non-assignable, non-commutable, non­transferable; (3) Payments must be irrevocably directed to the payee of the annuity.

  • Can You Cash in or Factor a Canadian Structured Settlement?

    Canadian citizens with Canadian Structured Settlements Have Less Freedom than American Counterparts with American Structured Settlements, Structured settlements in Canada cannot be factored. There is no equivalent to IRC 5891 and state structured settlement protection acts.

  • Canada Unveils “Canadian Life Insurers Assurance Facility”

    Reuters reports that Canadian Finance Minister Jim Flaherty unveiled details of an assistance facility for the country's life insurers aimed at ensuring the firms have access to the funds they need if credit markets seize up. The Canadian Life Insurers Assurance Facility is similar to one already available to the Canadian banks and is designed…