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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- SettlementDecisions Episode 5: What SettlementDecisions Really Is — A Lead Funnel, Not an Information Source
- Structured Settlement Annuity Guarantees Help Financial Peace of Mind
- How Sheron Jones Was Exploited — And Why D.C.’s Failure to Mandate IPA in SSPA Enabled It
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Category: Detroit Michigan Structured Settlements
Detroit Michigan structured settlements ommentary by structured settlement expert John Darer that may be of interest to injured persons, guardians, consumers, lawyers, businesses in Detroit with personal injury or wrongful death claims
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Allstate had a peculiar way of issuing life with certain structured settlements as 2 contracts. This has led to confusion from time to time with contracts many years down the road. I’ve reblogged a 2015 post to help annuitants, colleagues and staff members. Allstate stopped writing structures in 2013.
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Structured settlement creditor protection is often cited as one of the benefits of structured settlements. In this blog we take a closer look at structured settlement creditor protection, creditor protections for annuities in general and whether such creditor protections apply to “secondary market annuities”
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by John Darer® CLU ChFC MSSC RSP CLTC Fixed annuity sales declined in the second quarter of 2017. Sales were down 7 percent to $29.2 billion. All fixed product lines sales, except structured settlements, experienced declines. In the first half of 2017, fixed sales fell 11 percent to $56.7 billion. 401(k) specialist attributes the drop…
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Structured settlement annuities tend to be issued by largest and well capitalized insurers in the United States. 50% of the top 12 insurance holding companies in the United States include a subsidiary or subsidiaries that issue structured settlement annuities.
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What happens with a life annuity if you die? Why would anyone want a life annuity? How Do You Provide For Beneficiaries When Establishing a Structured Settlement Annuity or Retirement Income Annuity? What is Long Loife Planning? What is Longevity Risk?
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Absent regulation of salespeople and sales practices in the structured settlement secondary market is there is no suitability standard, no best interest standard and no fiduciary standard. Unlicensed salesmen lacking credentials are dispensing very poor financial advice and people are getting hurt.
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Risk-based capital was developed by the National Association of Insurance Commissioners to measure the minimum amount of capital that an insurance company needs to support its overall business operations. Higher RBC=must hold more capital as a cushion against insolvency.
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4structures.com LLC has a long established practice of transparency. Such transparency is embodied in a written statement on our website as well as a case specific declaration or affidavit to accompany moving papers where a proposed structured settlement must be approved by a judge.
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If you have Hartford Life Structured Settlement it likely owned by Hartford CEBSCO. Annuity Issuer is Hartford Life Insurance Company. Obligations of Hartford CEBSCO are guaranteed by Hartford Life,Ins Co and Hartford Life, Inc. Both companies are part of the Talcott Resolution deal.