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
- 🔥Founder and Former CEO of 777 Partners, Joshua Wander, Pleads Guilty⚖️ to $500 Million Fraud Scheme — DOJ Confirms Double‑Pledging, Misappropriation of Structured‑Settlement Funds, and Falsified Bank Statements
- The Steering Problem Needs a Wake‑Up Call
- Companies Still Using the Incorrect Term “Secondary Market Annuity”
- Canonical: Non‑Qualified Assignment (NQA)
- ⭐ THE 18–25 GUIDE TO STRUCTURED SETTLEMENTS
about
Category: Financial History
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An effort to assure that history isn’t rewritten and structured settlements are not unfairly mischaracterized by ELNY victims or the media and, an effort to educate others and to help prevent the same mistakes by financial planners, lawyers, judges, structured settlement brokers, annuitants or guardians, in whatever combination or capacity in the future we present…
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“Defying a host of economic challenges, financial impairments in the (life insurance) segment have appeared to reach their lowest point in half a century in terms of number and frequency in 2011”.
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The Stockton situation illustrates how placing a substantial percentage of your settlement into a home is not always a good idea. Setting aside the cost of maintaining the home and taxes, let’s look at what might have happened to a Stockton, California plaintiff who bought a home at the median price.
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Between 1983-1989 1,500* injury victims shunned more established companies and diversification, to to put all their eggs in one basket, 100% of their structured settlement annuities with a single, small, junk bond rich company, Executive Life Ins.Co of NY/ ELNY, which offered the highest rates.
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The Affordable Care Act, including its individual mandate that virtually all Americans must buy health insurance, is constitutional according to an opinion issued by the United States Supreme Court June 28, 2012.
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I never placed any ELNY or Executive Life business having seen red flags that should have been obvious to anyone who read/watched the news, including lawyers, financial advisers, victims and guardians or parents of those who were minors when the structured settlements were created.
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Historic Municpal Bankruptcy: Jefferson County AL 2011 2011 Bankrupcty was when filed the Largest Municipal bankrutpcy in United States history Some have said in the past that tax exempt municipal bonds are an alternative to structured settlements. Both represent tax exempt promises to pay periodic payments. Unlike municipalities, insurance companies CANNOT file for bankruptcy Yet…
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Don McNay, uses the fiasco about the Bank Of America $5 per month debit card fee to illustrate “another example of Wall Street and Main Street not connecting”. Unlike Zuccotti Park however, Freedom Park in Charlotte appears to have more birds than people.
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If you are an attorney and decided not to structure your $1,000,000 attorney fee you would be facing a similar loss as your client with the double whammy of income taxes due on the full amount (less any tax deductions) in April 2012.
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An industry colleague and I were ruminating about the reasons we are each having good business years in a terrible economy , with low interest rates and where reportedly, some in our industry are struggling to do even $1,000,000 in production. We agreed that it is what we are selling: Safety, Security and Guarantees. We also agreed that…