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: Information About Annuity
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Systematic structuring of attorney fees through laddering annuities and other attorney fee deferral solutions can smooth out highs and lows of interest rates, and payouts.
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A structured settlement annuity may provide a contractual guarantee “to pay out for a lifetime”, however long that is. Depending on the age of the annuitant actual lifetime may exceed the maximum term of available bonds. With medical improvements and healthier living people are living longer.
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Period Certain in an annuity, means the number of years that the payments will be paid regardless of whether or not the payee of the structured settlement annuity (or retirement annuity) survives the entire payment schedule.
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John Hancock has announced organizational changes in the early Fall that are pending regulatory approval. We are reposting this as a reminder to those who have or are contemplating structured settlement annuities funded with a John Hancock annuity product. Pending regulatory approval, John Hancock Life Insurance Company (“JHLICO”, which issues structured settlement annuities (and guarantees…
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Be careful how you use the word “guarantee” when expressing structured settlement payments in settlement agreements, qualified assignments, or sales presentations.
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IRS has issued Chief Counsel advice 200922041 which offers guidance on the meaning of “disabled” as it relates to IRC 72(m)(7), the disability exception to the 10%, pre 59 1/2 distribution penalties from IRAs and annuities (the use of “annuities” in this case does not include structured settlement annuities).
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Encourages the use of annuities in IRAs and qualified plans by excluding a portion of IRA and qualified plan annuity proceeds from retirement income. Encourages retirees to receive some of their retirement savings in the form of guaranteed lifetime annuity payments.
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In the event of an impairment that is sufficient for insurance regulators to take over, eligible shortfalls are funded through assessments on the solvent insurers in the state, in general proportionate to business written in the state. For more information, please visit www.nolhga.com
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A discussion has started to vet the applicability of factored structured settlement payment streams for tort victims with the goal of establishing market place standards for this rapidly evolving area.
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Disabled taxpayer relief by permitting withdrawals of unequal periodic payments from the taxpayer’s , says 2010 IRS Private Letter Ruling