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 Insurance in Settlement Planning
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If the insured is still living, you won’t be able to receive this info. unless the insured has given written authorization that the insurer can release this information to you. If an insured has died, the beneficiary must contact the life insurer and file a claim for the insurance. If you are a valid beneficiary…
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by John Darer CLU ChFC MSSC CeFT RSP CLTC Almost 50% of Americans between the ages 45-70 have no financial plans in place to protect themselves against outliving their assets and the rising cost of healthcare should they live longer than they expected, according to a new survey released today by the Society of Actuaries…
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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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A significant issue for a plaintiff with large recovery is that a structured judgment is not customizable like a structured settlement and comes with the risk that the non guaranteed portion of the recovery could evaporate in the event the plaintiff dies prior to the end of the defined life contingent period.
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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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How often should one check one's website to check to see if what is being said is still current? What if the facts presented on one's website were not correct in the first place? Someone better tell Robert Risk at Structured Settlement Services that it's no longer 2001 or 2002. The following text currently…
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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…