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: Rated Ages in Structured Settlements
Rated ages in structured settlements play a key role in pricing life-contingent annuity payments. These lifetime payments can include life-contingent lump sums, a life-contingent tail to a period certain, structured settlement payment streams, and straight life-only payments. A rated age is set higher than a person’s actual age and is only assigned when the underwriter at the issuing life insurance company determines the individual has a shorter-than-normal life expectancy. When this is the case the rated age can be used. A person with a natural age of 40 and a rated age of 50 can be priced as if they were in fact 50 years old. This should cost less than a lifetime annuity for a 40 year old. The insurer absorbs the risk if the person acyually lives longer than a 50 year old would.
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Common issues related to structured settlement quotes and funding which should be of interest to plaintiff attorneys, plaintiffs, insurance adjusters, defense attorneys and other interested parties or stakeholders in the structured settlement process across the United States
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John Darer reviews What is a Divorce Structured Settlement? When Does a Divorce Structured Settlement Work Best? What Happens With Structured Settlements in a Divorce?
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A lifetime structured settlement annuity funded structured attorney fee is an option for a lawyer to address longevity risk. To the extent a trial lawyer structures a portion of his or her attorney fees over a lifetime, mortality risk can be shifted to the annuity issuer using a rated age if annuity issuer offers.
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The rated age action announced by AIG Structured Settlements is a responsible decision for a company that is in business to insure long term obligations. It reflects very positively on AIG’s quality control. In its notice AIG reaffirmed its commitment to the structured settlement industry.
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ABLE accounts, under IRC 529A and State law, are designed to encourage and facilitate the ability of those with significant disabilities to live and work independently, without losing the benefits of SSI or Medicaid.
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A rated age could reduce the cost of a structured judgment in New York for a Defendant. Certain aspects of a structured judgment, pursuant to CPLR 50A or CPLR 50B are life contingent.
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A rated age helps quantify the cost of funding a structured Medicare Set Aside Arrangement (MSA) at the maximum discount and a more cost efficient funding of the future pain and suffering and future medical elements of damages in a New York structured judgement
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Structured settlements appeal to people who want safety, security and guarantees provided through a financial core of stable income. The tax benefits of structured settlements are almost secondary.
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John Darer reviews the subject of structured settlement rated ages and impaired risk underwriting as it applies to structured settlements and structured judgments. Attorneys, judges, plaintiffs and claims adjusters can all benefit from the information in this podcast, the first of a two part series.
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Does the submission of huge volume of rated age requests to life insurance companies, with little to no expectation of submitting business to those companies, all the while taking a big fee for acting as the middleman, constitute theft of services?