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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Category: Immediate Annuity
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John Darer reviews the differences between fixed income structured settlements annuities and index linked structured settlment annuities in response to a jumbled explanation found on another website web.
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Structured settlement payments can be equal or unequal, depending on their qualification status. Qualified payments allow flexibility in types and durations, while non-qualified payments are subject to specific IRS rules regarding equal payments. Various companies facilitate these assignments, and there are alternative funding options beyond traditional annuities.
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Are there any ethical considerations for a structured settlement co-broker placing a structured settlement for the defense using the information about the plaintiff’s structure to solicit them in the future for other insurance, advisory or investment products and services by them or third parties?
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An annuity payout rate is not an interest rate. An annuity payout rate is the percentage of the annuity purchase price that is paid out each year and includes both interest and return of principal. The term “annuity payout rate” is used in marketing as a way to make income annuities more attractive.
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Nationally known personal finance expert Jane Bryant Quinn strongly supports income annuities as a protection against the risk of outliving one’s savings. Structured settlement annuities are a form of annuity that can include both immediate income annuities (SPIA) and deferred income annuities (DIA).
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A retirement annuity company is offering 3.05% for 5 years, or so says the email solicitation that I received as a Connecticut resident where the product is not even licensed to be sold. In the words of Planet Patrol “Play At Your Own Risk”.
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A lifetime annuity turns part of your settlement recovery, or savings, into stable guaranteed income you can’t outlive. With a structured settlement, stable guaraneted income can begin right away (one month from fudning) or it can be deferred or you can have more than payment stream and do both.
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by John Darer CLU ChFC MSSC CeFT RSP CLTC Almost 50% of Americans between the ages 45-70 have no financial plans in place to protect themselves against outliving their assets and the rising cost of healthcare should they live longer than they expected, according to a new survey released today by the Society of Actuaries…
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“Lump sum-to-income” conversion math is not second nature to most people and that a better retirement can be created by helping people adopt an “income”mindset.
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Granted an annuity is safe and boring and gets its share of disrespect in the press, but if an annuity could talk might it hum something like this, to the tune of the chorus from Paparazzi by Lady Gaga?