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

about

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: Restructured Settlement

Restructured Settlement was an early era marketing term used to describe a structured settlement receivable. The term is misleading because a structured settlement receivable is not a structured settlement and is not an annuity. It is a piece of a junk of structured settlement receibale meat that has been to the butcher and portioned into smaller pieces for investors.

  • “Restructured Settlements” Are You kidding me?

    “Restructured Settlements” Are You kidding me?

    “Restrictured settlement” implies that you can take an existing structure and “contruct”, “form a new structured settlement or provide with a new structured settlement. Indeed by clicking on the link you can see that there is quote from someone who has apparently “restructured” his settlement. “