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
- SettlementDecisions Episode 5: What SettlementDecisions Really Is — A Lead Funnel, Not an Information Source
- Structured Settlement Annuity Guarantees Help Financial Peace of Mind
- How Sheron Jones Was Exploited — And Why D.C.’s Failure to Mandate IPA in SSPA Enabled It
- Attorney Fee Structured Settlement Factoring
- One Year Later: The Structured Settlement–to–Bitcoin Anniversary Nobody Is Celebrating
about
Category: Financial Planning
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Over my 30 year career I have developed a set of skills to help people plan for financial transitions and life contingencies and helped them and/or their families through those financial transitions. Let’s talk about your financial transitions. Call me at 888-325-8640
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Same sex couples can now file jointly. if lawfully married under state law. At least one company that issues structured settlement annuities, Berkshire Hathaway Life Insurance Company of Nebraska and First Berkshire Hathaway Life Insurance Company, which operates in New York, has indicated that they will issue joint life annuities to same sex couples that…
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Don;t Shoot First. Think First! Rather than opting for a “really big lump sum,” consider independent seeking professional advice, taking the necessary steps to meet your needs, maintaining an income, and having the chance to compensate for it later.
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by John Darer CLU ChFC CSSC RSP Nothing illustrates why putting all your eggs in one basket is a mistake better than Microsoft, a blue chip stock whose products have been a staple of personal and business computers for 30 years. While the company is still worth $290 billion, the value of Microsoft Corporation has…
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Settlement proceeds from a personal injury, wrongful death or other type of settlement may be structured to contribute to the annual funding of long term care insurance.
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While life changes sometimes bring valid reasons to sell structured settlement payments, Selling structured settlement payments is a decision that must be the result of sober thought, not a sales pitch. Arrive at your decision from a position of knowledge, well before entering into a contract to sell.
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Recognize the symptoms of “rate seduction”. When it comes to your life, It’s not the size of the rate, it’s how long it can perform. Structured settlement diversification is the answer.
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John Darer’s article discusses the challenges of managing lump sum settlements and highlights the high failure rates of traditional withdrawal strategies, notably the 4% rule. He emphasizes the importance of guaranteed income products, like structured settlement annuities, in ensuring financial security for retirees, suggesting a shift towards these solutions for sustainable income.
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A history of breast cancer diagnosis is not an automatic decline for life insurance.