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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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Category: Litigation Recovery Management

  • Higher Taxes…They’re Coming!

     The Obama administration seeks to raise nearly $60 billion by closing loopholes according to various news reports on May 11, 2009. These potential loophole closings have a potentially significant impact on settlement industry stakeholders .    "Another Loophole closing?" The tax "garrotte" includes items related to the estate tax, and also revived a bid to cap itemized deductions wealthy individuals…

  • Califiornia Fiscal Crisis Has Potential to Affect Tort Victims

    The BBC points out today that California is the world's eighth largest economy and generates nearly 13% of US gross domestic product – which means what happens there matters for the rest of the country.  The State is in a $24.3 billion hole, purportedly has the worst credit rating of any state  and  many commentators now "fear for…

  • New York Insurance Dept. Issues Important Opinion on Long Term Care Insurance

    The New York Insurance Department’s Office of General Counsel has answered a question that could prove important for holders of Long Term Care Insurance policies in New York.