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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about
Category: FDIC Insurance
FDIC Insurance helps maintain stability and public confidence in the U.S. financial system. The FDIC (Federal Deposit Insurance Corporation) insuring deposits to at least $250,000 per depositor, per ownership category at each FDIC-insured bank. The Deposit Insurance Fund is backed by the full faith and credit of the United States government
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Touch wood, in 2009 there have been no structured settlement annuity issuers taken over by a state insurance department. Compare this to the number of bank failures.
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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 a day when AIG stock jumped 30% this sobering news came out of the banking sector: “With bank failures rising, the FDIC fund fell 20 percent to $10.4 billion in the second quarter as U.S. banks lost $3.7 billion”. -Associated Press report See Interview with FDIC Chairperson Sheila Bair: http://plus.cnbc.com/rssvideosearch/action/player/id/1228675704/code/cnbcplayershare Then came this :1,000…
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EDIE the Estimator, is an FDIC online service that can calculate your FDIC insurance coverage for each FDIC-insured bank where you have deposit accounts. EDIE lets you know in a printable report for each bank whether your deposits are within or exceed coverage limits so that you can plan accordingly.
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Rising loan defaults spurred by tumbling home prices and spiking unemployment have done in another 4 banks. The failure of Austin, TX based Guaranty bank, which was announced on Friday, along with failure of three small banks in Georgia and Alabama Friday, brought the 2009 grand tally of U.S. bank failures to 81 compared to…
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Surely there is nothing to be gained by having inaccurate or false information in a comparison on a structured settlement website. Let’s do a better job of checking accuracy and relevancy!