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
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Category: Life Insurance Ideas For Lawyers
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Healthy trial lawyers may get a better deal on structured attorney fees by pairing a life only annuity with life insurance , if the attorney is insurable. Life only annuities yield more than life annuities with a certain period.
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If you smoke anything other than cigarettes you may now be able to qualify for “Standard Plus” non smoker rates on term life insurance, universal life, whole life or other form of permanent insurance.
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After winning a medical malpractice verdict in New York, the payment process involves complexities beyond a simple check. Attorney Gerry Oginski explains the post-trial and appellate process, highlighting the statutory requirements for structured judgments, which mandate annuities for future damages. These stipulations add risks for plaintiffs, particularly regarding customization and credit risk.
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Sun Life’s pulling out from the No Lapse guarantee UL market represents the second major life insurer to jettison the popular product in the past couple of years. In early 2009 AXA Equitable stopped offering the product.
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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 retains its income tax status when paid to the beneficiary. If the present value of the unreceived payments (that will now be going to the beneficiary) together with other assets that form the decedent’s estate, exceed an exempt amount, an estate tax is due.
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The contestable period on a life insurance policy is designed to protect the insurance company and policyholders (in the case of a mutual company) or stockholders (in the event of a stock company) from material misrepresentation and frauds. The actuaries of the insurance company sets its premiums in good faith relying on the truthful recording…
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by John Darer CLU ChFC MSSC CeFT RSP CLTC There are a variety of reasons that life insurance maybe a good purchase by or for the benefit of tort victims and their attorneys. Some of these include: Life insurance on parents (or grand parents) who provide care giving services and/or support can provide an immediate…
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Life insurance may be an important element of a settlement plan when the settlement involves a minor child or incapacitated adult, particularly if the parents are the primary caregivers.
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Mandatory switch of mortality tables to the 2001 Commissioners Standard Ordinary (CSO) as of January 2009. 1980s tables were used previouly and there have been improvements in mortality along the way.