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.
Recent Posts
- “From ‘Bridge to Bitcoin’ to $337M Daily Losses: Less Than a Year Apart.”
- MetLife Announces NQA-Flex Deferred Payment Solution for Non-Physical Injury Settlements
- 🔹Structured Settlements and Bankruptcy of the Payee: What Courts Actually Look At
- Structured Settlement Collection Agency in Henderson, Nevada Is Still Not a Structured Settlement — Now Nevada Law Makes That Clear
- Crypto Still Isn’t Suitable for Injury Victims — A Reminder From This Week’s Headlines
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Category: estate planning
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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protects retirement assets from the reach of creditors, unlike a typical IRA, money in an inherited IRA can be withdrawn without waiting for the new owner to retire.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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by John D. Darer CLU ChFC CSSC RSP Good news regarding Florida’s legislative efforts to statutorily protect inherited IRAs from the claims of creditors of a debtor beneficiary under Florida state law! House Bill 469 unanimously passed both the Florida Senate and House and was sent to the Governor for signature. HB 469 amends Section…
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Sun Life’s pulling out from the No Lapse guarantee UL market represents the second major life insurer to jettison the popular product in the past couple of years. In early 2009 AXA Equitable stopped offering the product.
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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.
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The House passed H.R. 4154, which would: permanently freeze the estate tax exemption at $3.5 million, the estate tax rate at 45%, and preserve the step up in basis The bill passed by a vote of 225-200, with no Republicans voting for it and 26 Democrats opposed. H.R. 4154 moved with statutory PAYGO however, exempted…
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At the death of the annuitant, IF there are any guaranteed certain payments remaining to be paid in the future, the present value of such payments is included in the decedent’s estate along with other items such as the value of bank accounts, stocks etc.