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
- Daily Rates Are Often an Important Cost Driver of Structured Settlements
- 🔥Founder and Former CEO of 777 Partners, Joshua Wander, Pleads Guilty⚖️ to $500 Million Fraud Scheme — DOJ Confirms Double‑Pledging, Misappropriation of Structured‑Settlement Funds, and Falsified Bank Statements
- The Steering Problem Needs a Wake‑Up Call
- Companies Still Using the Incorrect Term “Secondary Market Annuity”
- Canonical: Non‑Qualified Assignment (NQA)
about
Category: Norwalk Structured Settlements
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Annuities are primarily used as a means of securing a stable cash flow for an individual during their retirement years. A structured settlement annuity is a customizable specialty annuity that is used as a “qualified funding asset” to resolve legal disputes or litigation.
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A structured settlement would have certainly made sense in 1988, when one can deduce the accident occurred and some point in the following years when the lawsuit was adjudicated. Interest rates were roaring at the time.
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A structured settlement lock-in protects against interest rate shifts for brokers and planners at case resolution. It guarantees specific payment streams, often without fees for short periods. Lock-ins enhance satisfaction and funding security, especially for minors or wrongful death settlements. Absence of a lock-in risks delays and potential financial losses.
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4structures.com LLC has been voted One of The Best in CT for the 6th straight year by the Connecticut legal community
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One of the benefits of a structured settlement is that if you qualify the structured settlement payments are income tax-free. That’s free of Federal, State and City income taxes if you are a New York state resident and Federal and State income tax free for Connecticut residents.
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Depending on the non qualified assignment facility used, non qualified structured settlements can be funded with annuities, United States Treasury obligations, professional money management (based on objective formula) and/or structured settlement payment rights.
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Single product “structured settlement agents” are under attack in a recent diatribe. Is there really such a thing as a “single product agent”, or it just the matter of “sticking to your knitting”? Can a company that offers a single product be successful? Can it be successful in the future?
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Why use structured settlements in employment settlements? If you are a plaintiff your employment settlement proceeds are taxable and your employment lawsuit recovery could be ALOT smaller. John Darer discusses settlement planning solutions for emotional distress, discrimination, sexual harassment, wrongful termination, failure to promote and other employment related claims
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Pacific Life Insurance Comapny began writing structured structured annuities in 2012. The company has been in the insurance business business since 1868. Structured settlement annuities are issued through Pacific Life & Annuity Company in New York and Pacific Life Insurance Company in all other states.
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Structured settlements are generally zero volatility income distribution products. More than half of consumers do not not wanting swings of more that 10% in their retirement portfolio according to a volatility poll conducted online by MetLife.