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.

about

The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Category: Great Neck Strucured Settlements

“You’ve Got a Structured Settlement—Now What? A Teen’s Guide to Protecting Your Money, Your Privacy, and Your Future”

February 3, 2026

The blog addresses structured settlements, designed to provide long-term financial security through regular payments instead of a lump sum after lawsuits or claims. Aimed at teens and young adults, it highlights the importance of understanding these settlements, avoiding scams, and considering alternatives to selling them for immediate cash.
John Darer Reviews the Way AI Demonstrates How Bad Information from Annuity.Org Spreads

September 26, 2023

Structured settlements are negotiated and are the result of a compromise. Awards are not settlements A Grammy Award is not a settlement. An Academy Award (Oscar) is not a settlement. Iff the President pins the Medal of Honor on you it is not a settlement. If you make Dean’s list it’s not a settlement.
Structured Settlement Transparency & Ethics

June 2, 2017

4structures.com LLC has a long established practice of transparency. Such transparency is embodied in a written statement on our website as well as a case specific declaration or affidavit to accompany moving papers where a proposed structured settlement must be approved by a judge.
Qualified Assignments from the ELNY Era and Qualified Assignments Now

March 3, 2013

Qualified assignments for structured settlements then and now. Helpful video on “What is a Qualified Assignment” featuring structured settlement expert John Darer®, a Master Structured Settlement Consultant from the New York City Metropolitan area
Post Settlement Structured Settlement Underwriting | The Good and The Bad Explained

February 26, 2012

Post settlement underwriting, is a virtual impossibility in states like NY, FL, MA and MN, whose statutes mandates a disclosure of cost to be made by the Defendant or Defendant’s legal representative at the time structured settlement is negotiated (See New York General Obligations Law §5-1702 .