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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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: Hartford Financial Services Group

  • Spencer v Hartford Settlement Distribution Calculations

      Now that the Spencer v Hartford settlement has been finalized and distribution checks have been mailed perhaps the scaremongers "firing guns into the sky"  from the left wing of the settlement industry (to those trial lawyers who will listen),  can stifle themselves. The structured settlement watchdog condemns the behavior of a certain element of those that refer to themselves…

  • Hartford Has Worst Quarterly loss in 198 Years…But Don’t Panic-CEO

    Hartford Financial Services Group took a $2.6B hit in the 3rd quarter which was comprised of $2.2B in capital losses and $932 MM in deferred acquisition costs related to new and renewed policies Today Hartford released the following statement from Ayer which said: "I want to reassure you that the current stock price is not…

  • Spencer v Hartford Class Action Settlement: Only Clean Mirrors Reveal True Reality

    Those in the structured settlement/ settlement planning industry fixing to use Spencer v. Hartford for marketing should take a moment to reflect on their own practices. It’s ironic to think that, in the end, a connection will be drawn between these over-the-top marketers and their own lack of transparency.