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.
recent posts
- 🔥Founder and Former CEO of 777 Partners, Joshua Wander, Pleads Guilty⚖️ to $500 Million Fraud Scheme — DOJ Confirms Double‑Pledging, Misappropriation of Structured‑Settlement Funds, and Falsified Bank Statements
- The Steering Problem Needs a Wake‑Up Call
- Companies Still Using the Incorrect Term “Secondary Market Annuity”
- Canonical: Non‑Qualified Assignment (NQA)
- ⭐ THE 18–25 GUIDE TO STRUCTURED SETTLEMENTS
about
Category: Life Annuity
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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.
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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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Long Life Planning. Addressing longevity risk. How will a settlement planner make protecting against longevity risk a compelling decision in a “cash now” society? What skills will tomorrow’s settlement planner need? Very long lives are not a distant privilege=- very long lives are the probable.
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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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Without a backstop on a baseball field wayward 90 plus mile per hour fastballs and foul tips would keep on going and going or they might hurt someone. Without a backstop potential "wild pitches" such as medical expense spikes, wayward spending, less than expected investment results and better than expected longevity, have the potential to…
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A rated age is an important component of a structured settlement pricing when there are life contingent payments
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Annuity Issuers Addressing Longevity Risk as Research Concludes People Are Living Longer. If insurers guess wrong on insureds or a lot of people or advances in medicine mean significant blocks are going to exceed expectations then there is a bigger drag on surplus. How they manage that is important.
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Annuities have been called “longevity insurance”. They protect against the risk of outliving your assets. How real is this risk? Let’s consider some actuarial projections………