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
- 🔥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)
- ⭐ THE 18–25 GUIDE TO STRUCTURED SETTLEMENTS
about
Category: Pembroke Pines Structured Settlements
Pembroke Pines Structured Settlements is a collection of blogs, articles, and commentary on structured settlements by structured settlement expert John Darer CLU, ChFC, MSSC, CeFT, RSP, CLTC. The content is designed for personal injury lawyers practicing in or serving Pembroke Pines FL and Broward County Florida residents involved in lawsuits for personal injury, wrongful death, or medical malpractice, employment, construction defects, intellectual property, or other sensitive claims who are seeking, structured settlement advice, settlement planning advice and information.
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Moody’s downgraded the U.S. long-term sovereign credit rating from Aaa to Aa1 in May 2025, reflecting rising fiscal pressures and increased debt. This shift raises long-duration borrowing costs across financial markets, but structured settlements remain efficiently priced. With Treasury yields rising, the market is poised for enhanced returns and improved affordability in long-duration liabilities.
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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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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.
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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.
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The Defendant and/or Insurer agrees to pay the cost of the structured settlement and fund the structured settlement prior to the receipt of a signed release and/or Court approval, with assurances that this money can be refunded if Court approval of the settlement is not granted.
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If your structured settlement, the ‘job you cannot be fired from” is keeping you above the median of the middle class, why would you sell it? Why would you jeopardize it, unless you really had no other alternative?