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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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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Keep in mind with an index linked structured settlement annuity or index linked annuities that “uncapped” does not mean “unlimited”. A volatility controlled index shifts assets between a risk component and a risk-free component to reach the targeted volatility level.
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A structured settlement annuity is insurance product that (1) can provide multiple payment streams, as well as (2) different types of structured settlement payments, in a single annuity contract that can be customized to a person’s needs.
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Asset based structured settlement assignment fees can run upwards $10,000 on a $1,000,000 case. It’s way more than a normal assignment fee. The fees may not be disclosed and simply built in to the cost. What you may encounter is obfuscation by multiple layers of complexity. That’s not good.
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John Darer warns against structured settlement swaps, which are deceptive sales tactics encouraging individuals to sell their long-term structured settlements for less than worth. He emphasizes that investments from past decades often yield better returns than current market options. Such swaps can jeopardize financial security and incur legal risks. Avoid these schemes.
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When you enter into a long term structured settlement, it can unsettling to later learn that the insurer has been sold or the product line discontinued. How insurers manage change speaks volumes. Examples of divestitures and acquisitions of structured settlement product lines, or actual insurers.
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Chegg presents a misleading math question about selling structured settlements, asserting incorrect valuations for an annuity that pays $80,000 annually for 22 years. The content clarifies that structured settlements differ from annuities, emphasizing that Chegg’s provided answers are incorrect and illustrate a misunderstanding of financial principles.
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A common misconception about structured settlements is that structured settlements are annuities. Structured settlements are not annuities. Structured settlements are a form of settlement that may be partially funded with annuities, although they are not always funded with annuities.
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A mother whose daughter committed suicide in April 2021 is contesting the naming of her own mother (the decedent’s grandmother) as beneficiary in 2016, 5 years prior to her daughter’s death. More than $3M in future periodic payments appear to remain following Brittany Zellner’s death
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Thinking about what happens to structured settlement payments after the death of the Measuring Life, which of these four statements is correct?
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Structured settlement payees should do their best to avoid selling their structured settlement payments for pennies on the dollar, “to help pay for college” or “help pay off college loans”. Many times the effective discount rate on proposed deals will exceed your student loan rate.