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
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- SettlementDecisions Episode 4: Purports to be a Directory-Delivers Spam Instead
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Category: Financial Planning
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Losinger is Winner as Former Partner of Dead Proctor & Gamble Employee Inherits $1M Plus 37 Years After Split. Rolison Knew That He Needed to Check and Change Beneficiary Numerous Times But Simply Failed to Do So”
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None of the structured settlement receivables that Hersh Stern’s company markets as Secondary Market Annuties involves a buyer of a receivable paying a premium to the insurance company listed, or involves a change of ownership of the structured settlement annuity that funds the payment stream
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A Responsive Structured Settlement Commutation Rider helps maintain the benefits of structured settlement payments for survivors by assuring that only the amount necessary to pay the shortfall in the obligation to pay off liens (with an SNT), and/or tax liability (as the case may be)
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Structured settlement receivables are NOT annuities and NOT eligible for a 1035 exchange. Holders of retirement annuities may be in for a nasty surprise if they liquidate tax deferred annuities to buy “secondary market annuities”.. It could mean hundreds of thousands in taxes/penalties.. Yuck!
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You do not need to name an annuity beneficiary in your will because all it will do is delay the payment of proceeds while the Estate of the decedent is probated. Naming a beneficiary with the annuity issuer results in much faster and less costly distributions following the death of the annuitant payee.
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Having a stable income stream as a financial foundation going into a marriage is a good thing. Destroying a tax-free structured settlement income stream for pennies on the dollar to pay for a wedding is not a sound financial move, one that will leave you on bad financial footing.
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So you want to invest in cryptos with your settlement money? Better read this!
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Structured settlement creditor protection is often cited as one of the benefits of structured settlements. In this blog we take a closer look at structured settlement creditor protection, creditor protections for annuities in general and whether such creditor protections apply to “secondary market annuities”
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Selling your structured settlement to buy a home without carefully considering ongoing expenses is a financial disaster in the making with the only one making a profit being the settlement purchaser