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: Ketchikan Structured Settlements

Ketchikan Structured Settlements structured settlements, that may be of interest to personal injury lawyers in Ketchikan, AK, or those involved in lawsuits for personal injury, wrongful death, medical malpractice and seeking structured settlements and settlement planning advice and information

How Pre-Funding Secures Better Settlement Outcomes

October 23, 2023

Pre-funding a structured settlement can expedite the closing process and safeguard favorable rates in fluctuating interest environments, benefiting all parties involved. Insurance companies often issue pre-fund refund letters, minimizing risks for defendants. This approach is particularly useful in complex court systems like New York, ensuring timely funding of settlements.
Split Funding Structured Settlements: Key Considerations

May 4, 2022

When using split funding a structured settlement in any combination, whether a duration split, carrier split, or a product split structured settlement design , it’s a good idea to have a summary delivered to the plaintift.
Einstein Structured Settlements Epic Failure in Geography | Claimed “Maine Northernmost State”

July 10, 2017

Einstein Structured Settlements in speaking of independent professional advice claimed that Maine is the northernmost state in the USA. I think that Alaska might have something to say about that,
Is this Abusive Structured Settlement Advertising?

September 26, 2015

The irony of the Novation ad is that the drink doesn’t appear to brandish an umbrella, an unwitting metaphor for what financial exposure someone gets who sells their structured settlement payments rights again and again, a loss of protection.
What is “Period Certain and Life” or “Period Certain” in an Annuity?

January 31, 2010

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.