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: New York Personal Injury
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John Hancock Life is rolling out a new structured settlement exchange program that enables John Hancock annuitants to address their liquidity needs when they arise, while providing a measure of protection against secondary market predators
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The longevity of the life insurance company issuing structured settlement annuities and consistency of its ratings is an important consideration when you consider a structured settlement for a long term or lifetime obligation that may stretch 50 or more years into the future
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It is actually smart risk management on the part of Prudential. Insurers must have assets to match against liabilities under state insurance regulations. Large volumes of business coming in under book rates present challenges that are increasingly difficult to manage when rates shift at warp speed.
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Plaintiffs had sued a Mineola New York couple, individually and as guardians of for their deceased son, seeking recovery of $272,266.14 in overpaid life contingent structured settlement payments paid after the death of their son. The Complaint said Defendants refused to repay the $272,266.14
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Structured settlement annuities are not tax exempt. Where used as a “qualified funding asset” the structured settlement payments may be tax exempt, but the essential reason for the tax exemption is the damages that the payments from the structured settlement annuities represent.
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Courts do not establish structured settlements, and such arrangements do not require court approval to avoid taxes. Tax exemptions under the IRC apply to various damages related to personal injuries, including workmen’s compensation and wrongful incarceration. Approval is necessary in cases involving minors, incompetents, or wrongful death settlements.
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2018 was a good year for structured settlements. Preliminary reports suggested after the end of the 3rd Quarter that industry production might again exceed the symbolic $6 billion. Market volatility, interest rate improvements in the 2nd half of the year, new products and companies available to a larger group producers and greater sophistication of industry…
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Structured settlement quotes are not a marketplace. Structured settlement quotes are normally associated with quotes for structured settlement annuities by licensed insurance agents and brokers who are appointed by structured annuity issuers not factoring companies,
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A structured settlement broker is a licensed and regulated professional who provides professional advice and places structured settlement annuities and may provide fianncial advice and placement of financial vehicles pursuant to professional licenses.
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Lead plaintiff John Griffiths and I got ahead of this, making the discovery in Fall 2014. The 2015 class action filed by Marcus & Auerbach led to what can only be seen as a positive result for over 4,000 annuitants. Nobody lost money, no money was in imminent danger and this was nipped in the…