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: “Qualified Assignment Annuity”

“Qualified Assignment Annuity” is misnaming: a mash‑up of two primary‑market statutory terms—qualified assignment and annuity as a qualified funding asset—misapplied to secondary‑market factoring, where neither term has ever operated. The phrase appears nowhere in IRC §130, plays no role in liability transfers, and has no relevance to the sale of structured‑settlement payment rights. When large, sophisticated actors repeat it, the public understandably assumes it must be correct, reinforcing a vocabulary error that blurs the statutory architecture.

  • Qualified Assignment Annuity: Stopping a Misnomer Before It Starts

    Qualified Assignment Annuity: Stopping a Misnomer Before It Starts

    The term “qualified assignment annuity” is a misleading phrase emerging in secondary-market marketing, combining unrelated statutory concepts. It misrepresents structured settlements, potentially confusing consumers about the distinct nature of primary and secondary markets. If left unchecked, it risks spreading misinformation and promoting financial illiteracy among consumers regarding structured settlements.