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.

recent posts

about

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: capital markets

  • Life Insurer Capital and Surplus Reductions A No Go-NAIC

    The National Association of Insurance Commissioners (NAIC), representing insurance regulators in all U.S. states and territories, reached a decision last Thursday after nearly three months of deliberation NOT  to LOOSEN life insurers’ capital and surplus requirements. State insurance regulators use time-tested tools to protect consumers and help maintain a solvent and competitive marketplace,” NAIC President Roger Sevigny (of…

  • Capital Losses by Publicly Traded Insurance Related Organizations Top $396B in 2008 Says Best Week

    The insurance industry has survived economic crisis before and it will likely do so again. The ride out of this economic cycle may not be smooth. How will the downturn affect structured settlement industry stakeholders including structured settlement brokers, settlement planners annuity issuers, lawyers and trust companies?