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: Life Annuity
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What happens with a life annuity if you die? Why would anyone want a life annuity? How Do You Provide For Beneficiaries When Establishing a Structured Settlement Annuity or Retirement Income Annuity? What is Long Loife Planning? What is Longevity Risk?
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A rated age could reduce the cost of a structured judgment in New York for a Defendant. Certain aspects of a structured judgment, pursuant to CPLR 50A or CPLR 50B are life contingent.
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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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When a structured settlement includes lifetime or life contingent payments, or the structured settlement payee is a minor, the structured settlement annuity issuer requires proof of birth. Some people lie about their age on insrance applications. Sad but true.
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How easy is it to deal with a lump sum settlement? Think about this. The failure rate for retirement account withdrawals, when accounts run out of money, using the old “rule of thumb” of 4 percent per year withdrawal rate is as high as 57 percent.
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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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“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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It is clear that the government is interested in annuities, LIFETIME INCOME ANNUITIES, as a means to provide lifetime financial security.
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MORE TAXES+ GREATER INTRINSIC VALUE FOR NEW AND EXISTING STRUCTURES, even in a low interest rate environment. Check out the taxable equivalent yield chart at 4structures.com and see how that “puny 3% rate of return”, “ain’t too shabby” if you’re in the 40% tax bracket.