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.
recent posts
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- Corinthian Museum of Content Barfing — News Flash
- SettlementDecisions Episode 5: What SettlementDecisions Really Is — A Lead Funnel, Not an Information Source
- Structured Settlement Annuity Guarantees Help Financial Peace of Mind
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Category: New York Structured Settlements
New York Structured Settlements offers blogs, articles, and commentary on structured settlements in New York, authored by structured settlement expert John Darer CLU, ChFC, MSSC, CeFT, RSP, CLTC. The content is designed for personal injury lawyers practicing in or serving New York, as well as residents in nearby states involved in lawsuits for personal injury, wrongful death, or medical malpractice, who are seeking settlement planning advice and information.
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Congratulations to Prudential and Pacific Life who repeat among the World’s Most Ethical Companies, according to Ethisphere.Both Prudential and Pacific Life have been in business for over 100 years and are important players in the structured settlement annuity marketplace
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A structured settlement annuity is a type of annuity used as a qualified funding asset to fund periodic payments in consideration for a release in the settlement of lawsuits. A structured settlement annuity is issued by a life insurance company and can only legally be placed by licensed agents/brokers
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A Responsive Structured Settlement Commutation Rider helps maintain the benefits of structured settlement payments for survivors by assuring that only the amount necessary to pay the shortfall in the obligation to pay off liens (with an SNT), and/or tax liability (as the case may be)
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In 2023, Prudential launched the Income Advantage, an index-linked structured settlement annuity, enhancing consumer options alongside Pacific Life and Independent Life. This product offers growth potential, downside protection, and tax benefits, particularly benefiting personal injury victims and attorneys. Supported by two favorable IRS Private Letter Rulings, it signifies market innovation.
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A Qualified Assignment Release and Pledge Agreement is a legal document, the execution of which sets the 2nd stage of a structured settlement transaction in motion, in the context of personal injury or wrongful death settlements where there is a desire for the Payee to have secured party status.
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A structured settlement is not a judgment, but this fundamental fact seems to befuddle structured settlement factoring companies and/or their marketing teams..It’s all rather silly.
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Higher taxes make structured settlement tax advantages inherently more valuable. Paul Tudor Jones II, the billionaire hedge fund manager is quoted ‘There’s plenty of room to raise taxes’: Jones says the US will need to change Social Security, cut federal health insurance to deal with a worsening debt crisis — are you ready?
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Structured settlement daily rates are like daily specials at a restaurant. Just like daily specials at your favorite restaurant can vary from day to day, so can daily rates for structured settlement annuities.
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Pre-funding a structured settlement can expedite the closing process and safeguard favorable rates in fluctuating interest environments, benefiting all parties involved. Insurance companies often issue pre-fund refund letters, minimizing risks for defendants. This approach is particularly useful in complex court systems like New York, ensuring timely funding of settlements.
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Structured settlement payments can be equal or unequal, depending on their qualification status. Qualified payments allow flexibility in types and durations, while non-qualified payments are subject to specific IRS rules regarding equal payments. Various companies facilitate these assignments, and there are alternative funding options beyond traditional annuities.