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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The American College has enhanced the Chartered Financial Consultant® (ChFC®) designation, now requiring nine college-level courses starting October 1, 2009. This includes elements of the CFP certification and specialized electives. Established in 1982, the ChFC® signifies a high standard of knowledge in financial planning, distinct from the CFP credential.
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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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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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National average credit card rates are approaching 15% and those with bad credit could end up with a rate close to 60%, according to an article published in CNN Money on January 28, 2011. New rules put in place under the CARD Act limit fees and prevent banks from raising rates retroactively. So they make…
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Converting life insurance policies into a tax-free Long Term Care Benefit Plan is an important option for families seeking funding sources to address immediate need for care.
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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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Why should we not question the credibility of those who emphasize “extensive financial services careers” or “spearheading multi million dollar portfolios” in their sales pitch to tort victims, yet demonstrate a reckless lack of discipline with their own finances?
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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!