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: Potomac Strucfured Settlements
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by John Darer CLU ChFC MSSC CeFT RSP CLTC As more structured settlement designs reference external indices such as CPI‑U, the terminology used to describe them has expanded. Words like index‑linked, index‑based, and occasionally index‑backed appear in product materials and industry discussions, sometimes without clear differentiation. This brief guide provides a neutral, carrier‑friendly framework to…
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Investors in structured settlement receivables face unfavorable news. As of July 1, 2020, the Maryland Life and Health Insurance Guaranty Corp clarified there is no protection in cases of annuity issuer insolvency and liquidation.
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The words “certain” and “guaranteed” are terms used in settlement documents to describe payment obligations in a settlement agreement and in structured settlement annuities and other income annuities. Both are often used in a way that suggests the terms are synonymous, but are they?
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Proper documentation of consideration is vital for structured settlement payments, particularly the “promise to pay” for periodic payments. Inadequate wording may render the settlement defective, leaving plaintiffs unprotected. It’s essential to ensure obligations are clearly stated to avoid future complications in qualified assignments, as outlined in IRC 130(c).