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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Attorneys over age 55 with a good health profile have an option that can (1) provide an increase in structured attorney fee payments (2) provide a superior post mortem option for their families. Those attorneys who are considering lifetime payments and want to have a guarantee period included to protect their families in the event of premature…
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The contestable period, as outlined in the policy, represents a timeframe during which a life or health insurance company can safeguard itself against material misrepresentations made by a prospective insured in the insurance application.
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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!
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It’s useful for New York personal injury lawyers, defendants and claims adjusters to know how CPLR Article 50A or 50B impact a case and whether some factors help determine whether a plaintiff should settle their case or simply take a CPLR 50A or 50B structured judgment.
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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.