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
- Daily Rates Are Often an Important Cost Driver of Structured Settlements
- 🔥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)
about
Category: Life Insurance in Settlement Planning
-
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…
-
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 (SOA). Additional findings show more than one-third are worried…
-
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.
-
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.
-
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.
-
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.
-
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.
-
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…
-
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…