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: equity indexed annuities

  • “Full Nelson” Would Scuttle SEC Regulation of Indexed Annuities

    S 1389 is a Senate bill introduced by Ben Nelson D-Nebraska, a companion to House bill H.R. 2733 introduced by Gregory Meeks D-New York and Tom Price R-Georgia. Both bills seek to reverse the SEC decision to regulate indexed annuities as securities.

  • Debate Rages Over Regulation of Equity Indexed Annuities

    In a letter to Florence Harmon, Acting Secretary of the United States Securities and Exchange Commission ("SEC") the Independent Insurance Agent & Brokers of America ("The Big I") firmly states the case as to why Equity Indexed annuities should not be regulated by the Feds. Here is the technical thrust of the argument: "The rule,…

  • Equity Indexed Annuities To Be Regulated As Securities…SEC

    by John Darer CLU ChFC CSSC   The Securities and Exchange Commission (SEC) today approved adopting rules on a 4-1 vote based on SEC proposed Rule 151A**, which is intended to regulate equity indexed annuity products as securities, rather than the non-securities treatment they have received to date.  The effective date appears to be January…