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: FDIC Insurance
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by John D. Darer CLU ChFC CSSC RSP The FDIC shut down of $25B 346 branch Colonial BancGroup, Inc. on Friday along with another bank brings the total bank failures in 2009 to 74. Colonial Branches will reopen as branches of BB&T with a total cost to FDIC of $2.8B. During the same time period no…
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Structured settlement annuityisssuing life insuranace companies are crushing banks during the “Great Repression”of 2008-2009. For the purpose of the scoreboard, “failure” is defined as banks shut down by the FDIC, or structured annuity insurers taken over by state insurance departments.
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The unanswered question in any situation like this is would an assessment on a sufficiently large enough insolvent institution be the catalyst the breaks the back of otherwise solvent financial institutions?
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This news illustrates the potential tin cup domino effect on our nation’s financial institutions. There are reasons why most state insurance laws prohibit the use of state guaranty funds in a sales situation and you are looking at one of them from the banking parallel.
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The FDIC is primarily funded by ASSESSMENTS from solvent banks in the system.
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On Wednesday the Senate passed Bill S.896 to prevent mortgage foreclosures and enhance mortgage credit availability. One of the provisions of this bill is the extension of the FDIC's $250,000 deposit insurance limit. The bill extends the temporary $250,000 limit through 2013. According to the bill summary S.896: Amends the Federal Deposit Insurance Act (FDIA)…
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Reminder to Judges and Plaintiff Lawyers when considering placing a portion of a minor's settlement proceeds in a bank, the current FDIC limits of $250,000 are temporary and expire December 31, 2009. They cannot be relied upon long term. Track comfortably within the old $100,000 limits.
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A great question when one looks at thel usage of qualified settlement funds in mass tort cases and other large settlements. The answer turns on the FDIC’s recognition of a fiduciary relationship and the ability to prove that each claimant has an identifiable interest in the fund.
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It isn’t right for structured settlement brokers and settlement planners to use misleading and/or inaccurate information in comparisons, to promote structured settlements;and to blame it on what is figuratively “the empty chair”, The Hartford.
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Regulation of insurance by states was endorsed by Congress in 1945 under the McCarran-Ferguson Act and reaffirmed under the Gramm Leach Bliley Act, in 1999.