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: NJ Structured Settlement Investments
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Refactored Structured Settlements is used by some to unartfully describe investments in transferred structured settlement payment rights from other people’s structured settlements, when used as an alternative investment vehicle to a settling plaintiff.
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New Jersey P.L. 2022, CHAPTER 98, effective August 12, 2022, AN ACT concerning the “New Jersey Life and Health Insurance Guaranty Association Act” and amending P.L.1991, c.208 has SERIOUS implications for NJ investors in structured settlement payment rights.
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Immediate Annuities.com is not accurate about Structured Settlement Receivables in referring to assigned structured settlement payment rights as an annuity or annuities. A structured settlement factoring transaction does not involve any transfer of annuity policies.The “annuities listed” as secondary market annuities are not annuities. They are receivables.
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NAIC warns of unlicensed legitimate Companies selling unregulated non-insurance products. Factored structured settlement receivables are an unregulated non-insurance product sold by legitimate companies as “Secondary Market Annuities”
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You or your US clients may be pitched investments in other people’s structured settlements using the false flag claim that they’re annuities. Structured settlement receivables aren’t annuities and bear risks to investors that may make them unsuitable for vulnerable retirees and personal injury victims.
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The risk for people who are already invested in other people’s structured settlement payment rights is that the exclusion is applied retroactively and they have no protection in the event of insolvency of the underlying annuity issuer or bankruptcy of the qualified assignment company.
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A structured settlement is not an annuity, A structured settlement obligation may be funded with an annuity but the structured settlement itself is not an annuity. This is a fundamental and important distinction for anyone seeking to invest in structured settlement payment rights.
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Life-contingent structured settlement payments are only payable if the Payee is alive on the date the payments are made. Buyers are therefore at substantial risk of not receiving these monies especially because if there is a long deferral period or payment duration
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The focus should be on enforecable secondary marketplace standards regarding solicitation of structured settlement annuitants. Does the same or similar standard that applies to marketing to seniors apply here? I know I’ve been barking about this for years. But where are we?