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
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- Structured Settlement Collection Agency in Henderson, Nevada Is Still Not a Structured Settlement — Now Nevada Law Makes That Clear
- Crypto Still Isn’t Suitable for Injury Victims — A Reminder From This Week’s Headlines
- Survivor Justice Tax Prevention Act Introduced
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Category: Life Insurance in Business Planning
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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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The state insurance commissioners have created the Interstate Insurance Product Regulation Commission to allow insurers to file products under uniform standards, allowing products to be sold in all member states.
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Life insurance may be an important element of a settlement plan for personal injury recovery management when recovery involves a minor child or incapacitated adult, particularly if the parents are the primary caregivers. Life insurance can be used to finance the cost of a replacement caregiver, or someone who will replace certain services that are…
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There are several life insurance carriers that will allow non-smoker rates for users of cigars, pipes, chewing tobacco, nicotine gum, lozenges and e-cigs, even with nicotine in the urine. But no cigarettes for 12 months!
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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.
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It is possible to buy term life insurance up to age 85. Level premium terms of 5, 7,10,15 and 20 years are all available to those who are insurable.
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The Tax Court held in Dyer v Commissioner, T.C. Summary Opinion 2008-23, that income received by the taxpayer’s law firm, upon the lapse of a life insurance policy, insuring the taxpayer, was not taxable to him or his wife because they were not owners, and did not receive income from, or any benefits of the…
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If structured settlements were simply about placing a product would there be any need for trained, experienced and/or credentialed experts? Surely the same goes for life insurance , long term care and other insurance.
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Return of Premium term insurance is a life insurance solution for those who want to pay a low level premium and would like something extra to help pay off the mortgage at the end of the term.