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: In Force Structured Settlement Market Commentary and Discussion
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If the factored structured settlement payment streams were annuity policies, they would generally have to be filed and approved in every state where they will be sold. What is being sold to retirees is not an annuity or an insurance contract. They are receivables. Don’t be fooled.
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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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Kansas HB 2810 contains an express exclusion that states and makes it clear that investors in structured settlement receivables HAVE NO SAFETY NET in the event of insolvency of the annuity issuer. HB2810 was introduced February 20, 2024.
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Acquired structured settlement payment rights are not snnuities or insurance products.While insurance insolvencies are rare, they do happen. Investors are exposed when they invest in such receivables. I doubt that many of them are aware of this exposure.
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While such occurrences are rare, Colorado investors in other people’s structured settlement payments should know, before they invest, about the potentially devastating consequences to their investment in the event an insolvency or liquidation occurs. Read more about Colorado HB 23-1303 signed into law.
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A deep dive into just how settlement planners have marketed other people’s structured settlement payments as investments, to trial lawyers, their injured clients, conservators, trustees and the Courts has revealed some pretty scary stuff that should give judges, fiduciaries and lawyers pause.
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Why Genex Capital 2020 Receivables Purchase Agreement should concern investors in structured settlement payment rights.It’s very unusual, especially the part where consent to a buyer’s subsequent transfer may be “unreasonably withheld”. That seems incredibly problematic for the buyer
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40% of investors in factored structured settlement payments are hedge funds, 50% are life insurance companies and 10% individual investors. Would an audit shown rhedge funds and life insurers are profiting from some of the worst cases of financial rape of minorities, and retirees?