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: New Britain Structured Settlements

Discover Pacific Life’s Payout Plus: Index-Based Growth

March 7, 2026

Payout Plus is a new structured settlements annuity option from Pacific Life that enhances financial stability and growth opportunities for claimants. By offering indexed-based payments, it provides a guaranteed minimum with potential fluctuations, catering to those receiving personal injury or workers’ compensation settlements, while promoting financial resilience and flexibility.
JG Wentworth Large Lump Sum Warning to Structured Settlement Annuitants

December 31, 2021

JG Wentworth cautions against large compensation lump sums, emphasizing they often lack long-term financial stability. Contrary to the common notion that structured settlements are awarded, they are actually negotiated. The company’s messaging highlights the importance of understanding payment structures and the potential risks of opting for immediate cash payouts.
Are Structured Settlement Cash Now Forum Shoppers Turning to CT to Get Annuity Sold?

November 10, 2017

A number of petitions to transfer structured settlement payment rights are ending up in CT courts shortly after a similar petition has been denied by New York judges. The annuitants don’t really live in CT and the companies trying to get annuity sold are not registered to do business in CT.
Avoiding Unlicensed Financial Advice for Structured Settlements

April 5, 2016

Structured settlement buyers are providing financial advice without a license. Some buyers also provide investment advice without a license. Bad sales pitches and advice fuels short term thinking, , momentary sizzle that leads to repeat sale transactions in a short time frame and monetary fizzle.
Touchdown Notre Dame For Master’s Structured Settlement Certification (MSSC)

October 21, 2014

The Master’s Structured Settlement Consultant (MSSC) is an advanced credential earned by qualified structured settlement consultants and settlement planners from NSSTA and the Stayer Center for Executive Education at the University of Notre Dame (currently University of Texas at Austin)