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
- 🌿 THE PLANTIFF HEDGE — Q2 2026
- Bad Faith Structured Settlements
- Most Trustworthy Structured Settlement Annuity Companies 2026 by Newsweek/Statista
- The Counsel-Managed QSF: A Structure That Cannot Stand Up Under Banks Doctrine
- Unparalleled Access to NSSTA Members is Unparalleled Baloney from Mailing List Broker
about
Category: Coral Springs Structured Settlements
Coral Springs Structured Settlements 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 Coral Springs Florida, as well as Broward County and Palm Beach County residents involved in lawsuits for personal injury, wrongful death, or medical malpractice, employment, construction defects, or sensitive claims who are seeking settlement planning advice and information.
-
by John Darer CLU ChFC MSSC CeFT RSP CLTC How Companies that issue Structured Settlement Annuities Rank in the Insurance Subsection of 2026 Newsweek/Statista America’s Most Trustworthy Companies Poll 3. American National (American National Insurance Company) Houston, TX 5. Mutual of Omaha (United of Omaha Life Insurance Company) Omaha, NE 6. New York Life Insurance Company…
-
The MJ Settlements brochure misleadingly promotes factored structured-settlement payment rights as “Secondary Market Structured Settlement Annuities,” creating a false impression of insurer backing and protection. This misrepresentation exposes retirees to significant risks, as they believe they are purchasing regulated annuity products when they are not. Clarity and accurate terminology are essential.
-
A structured settlement lock-in (or lock in) means that the structured settlement annuity issuer will guarantee the cost of a structured settlement, including the specific payment stream in exchange for the “quid pro quo” of a commitment to accept or purchase.
-
MJ Settlements misrepresents its structured settlement receivables as safe, A-rated products, using misleading terms like “SSA” and “Guaranteed to Outperform.” The company fails to disclose significant risks, including long deferral periods for payments and lack of state protections, ultimately masking the true nature and credit quality of its offerings.
-
by John Darer CLU ChFC MSSC CeFT RSP CLTC 1099-Misc Overview This post explains When Box 3 Applies What is Box 3? Box 3 on Form 1099‑MISC is labeled Other Income and is used to report payments that do not fit into the form’s other specific boxes. Settlement administrators and defendants sometimes report the entire…
-
The tagline “Guaranteed to OutPerform” used by MJ Settlements is misleading and non-compliant, suggesting unrealistically high returns without substantiating performance claims. It implies guarantees that do not exist, potentially exposing the company to regulatory scrutiny and legal action. Such claims undermine consumer trust in the structured settlement industry, presenting serious ethical and legal risks.
-
The content critiques MJ Settlements’ notion of “Trust” while highlighting its complexities and risks. Trust is essential for societal cohesion and economic transactions. It questions the credibility of MJ Settlements’ claims regarding their products being supported by insurance companies, juxtaposing this with concepts of truthfulness and reliability in trust dynamics.
-
Why does MJ Settlements resort to misleading tactics to make money? MJ falsely advertises structured settlement receivables as annuities on LinkedIn. What is promoted to investors doesn’t meet the criteria for an annuity under state law. Return on investment “Total Returns” is also misrepresented.
-
Less than two years after Todd Lesk was permanently barred from FINRA in October 2023, MJ Settlements, a Coral Springs-based company led by Todd Lesk as CEO, continues to falsely claim on its website that it offers structured settlement annuities.
-
MJ Settlements appears to be heading toward a potential conflict with several life insurers over the use of their trademarked logos on its website to promote structured settlement receivables to investors, while misleadingly labeling these receivables as annuities in a deceptive manner.