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: Casualty Adjuster Structured Settlement Practice

  • The Great Tort Victim Snow Job of 2007

    These firms are known to pay commissions and/or fees on referrals for structured settlement factoring transactions. This post is about those who take these fees and don’t make an upfront disclosure of such fees and how it impacts the bottom line of tort victims on these transactions

  • How Certain P&C Company Structured Settlement Tactics Contribute to the Factoring Crisis

    Occasionally a defendant's or insurer's negotiating tactics may involve trying to stuff a structure down the plaintiff's throat. Motivation for the tactic aside, the settling plaintiff, through resignation, may end up with a structured settlement that just does not suit his or her needs.  We all know what potentially happens next. I recall one matter…

  • Certain Claims Adjusters and Defense Attorneys Should Avoid Bad Logic

    by John Darer CLU ChFC MSSC RSP CLTC The civilized world of structured settlements as a settlement tool is occasionally hampered by the relics and remnants of a bygone era which include certain business practices by certain structured settlement brokers and certain claims adjusters that could ultimately be harmful to the settlement process on the…