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: Estate Planning in Conjunction With Structured Settlements
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While bankruptcy law typically protects retirement assets from the reach of creditors, unlike a typical IRA, money in an inherited IRA can be withdrawn without waiting for the new owner to retire. The SCOTUS reasoned that the change in the status of the account is readily available to payoff creditors.
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As a settlement expert, long-term care and extended care naturally align with planning requirements in certain personal injury cases, extending to a wider scope that encompasses the lives of stakeholders and their families involved in these cases.
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A history of breast cancer diagnosis is not an automatic decline for life insurance.
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Selling structured settlement payments to make charitable donations can be an option, but John Darer suggests a more advantageous approach using life insurance. This allows utilizing the full value of the settlement for a larger charitable gift while maintaining privacy and avoiding court approval, provided the donor is insurable.
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A New Jersey Appellate Court has concluded that an heir’s loss of a prospective inheritance resulting from the imposition of increased estate taxes- incurred due to the premature death of a decedent —— is recoverable in a wrongful death action.
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Level premium term life insurance which can go out to age 95 is now available at very attractive long term premiums so that older plaintiffs, plaintiff attorneys and others who can’t afford, or choose not to pay, higher premiums for whole life or other permanent coverage.
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by John Darer CLU ChFC MSSC RSP CLTC The Federal tax increases, or effective tax increases, arriving in 2013 have both settlement planning and financial planning implications and may have a positive effect on the utility of structured settlements, structured attorney fees and other financial solutions involving structured periodic payments. A. Increase in personal income tax rates…
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Should you name a beneficiary, or just leave guaranteed structured annuity payments, or life insurance proceeds, to your estate? Registered Settlement Planner and Chartered Financial Consultant John Darer from Stamford, Connecticut frames the issue in this video. Words of wisdom… “When they refer to you as ‘The Late…’ You Don’t Wanna Be Intestate AND,…
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What is present value and how does present value relate to a structured settlement? What are the applications for time value of money calculations in the structured settlement and settlement planning arena.
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A structured settlement retains its income tax status when paid to the beneficiary. If the present value of the unreceived payments (that will now be going to the beneficiary) together with other assets that form the decedent’s estate, exceed an exempt amount, an estate tax is due.