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: Norwalk Personal Injury

Split Funding Structured Settlements: Key Considerations

May 4, 2022

When using split funding a structured settlement in any combination, whether a duration split, carrier split, or a product split structured settlement design , it’s a good idea to have a summary delivered to the plaintift.
Structured Settlement | What is a Structured Settlement | Definition of Structured Settlement

April 29, 2018

A structured settlement is a financial arrangement where a claimant receives part of their compensation as periodic payments instead of a lump sum, often following a personal injury or wrongful death claim. Governed by specific IRS regulations, these settlements can be funded through life insurance companies or government obligations and offer tax benefits.
Structured Settlement Transparency & Ethics

June 2, 2017

4structures.com LLC has a long established practice of transparency. Such transparency is embodied in a written statement on our website as well as a case specific declaration or affidavit to accompany moving papers where a proposed structured settlement must be approved by a judge.
What Does Certain and Life Annuity Mean? Annuity 101

June 17, 2010

An annuity with a certain period represents the number of years that will be paid whether or not the measuring life survives the entire payment schedule. A 30 years certain & Life means payments will be made for 30 years, or the life of the measuring life, whoever is longer
4structures.com®, LLC Named To CT Law Tribune Best of Connecticut

January 1, 1970

Connecticut Law Tribune surveys Connecticut’s lawyers and law firms for their opinions about vendors who provide products and support services to the Connecticut legal community, This is the fifth time that 4structures.com®, LLC has achieved the “Best in CT” status.