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: Fairbanks Structured Settlements
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The blog addresses structured settlements, designed to provide long-term financial security through regular payments instead of a lump sum after lawsuits or claims. Aimed at teens and young adults, it highlights the importance of understanding these settlements, avoiding scams, and considering alternatives to selling them for immediate cash.
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The article discusses the misleading nature of high “rate of return” claims in structured settlement proposals, often characterized by terms like “tax-free rate” versus “taxable equivalent yield.” It emphasizes the importance of accurately understanding Internal Rate of Return (IRR) calculations, noting that different cash flows may yield varying results.
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Chariot Re’s initial reinsurance transaction is with a subsidiary of MetLife. Chariot Re will reinsure approximately $10 billion of liabilities, including structured settlement annuity contracts and group annuity contracts associated with pension risk transfers originated by MetLife.
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Some feel structured settlements are inflexible, but structured settlements are flexible. The quid pro quo is favorable tax status and spendthrift protection. “Master chefs” will draw upon experience, plan and blend ingredients from the banquet menu of options in order to create an integrated solution.
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John Darer of 4structures explores rated ages and the challenges of impaired risk underwriting with guests Rosemary Brindamour, Chief Medical Underwriter for John Hancock Life Insurance Company and Robert Shavelle PhD of the Life Expectancy Project.