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: Cordero v Transamerica

Cutting the Cordero Between Night and Day | Cordero v Transamerica Chatter

August 5, 2023

HIndert was honored in 2012 as “a distinguished individual who has supported and defended the right to free alienability of property rights”, only months after Cordero sold payments. “NASP considers this right to be its own cornerstone and the foundation of the structured settlement factoring business”.
Cordero v Transamerica: Legal Insights for Settlement Planners

June 24, 2023

In 2013 Hindert considered that a pitfall occurs if settlement documents include anti-assignment clauses, which do not specifically reference and permit transfers pursuant to IRC 5891 and state structured settlement protection statutes”.The losing cause in Cordero had just that.
John Darer Reviews Cordero Expert Testimony | A Case of “Cordially Yours”

May 23, 2023

Czapanskiy misses the absurdity that unlike other financial services, there is little to no regulation of structured settlement factoring companies or individuals soliciting the sale of structured settlements for pennies on the dollar or dispensing financial advice that could lead to financial devastation
Cordero v Transamerica: Anti-Assignment Provisons in Structured Settlement Agreements

March 6, 2023

The New York Court of Appeals, certified from the 11th Federal Circuit to address the focal point of plaintiff’s allegation, whether or not there is an implied covenant in anti-assignment provisions in the settlement agreement and qualified assignment. From Cordero v Tranamerica et al. .
The Cordero v Transamerica Case | A Hot Dog With Cold Flaw Please?

February 6, 2023

Cordero’s 30 year perioid certain has 360 monthly payments, full stop,.Period certain structured settlement annuities require no medical underwriting. Pricing of a period certain annuity is unaffected by medical information. There are no medical questions on a structured settlement annuity application.