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: Rockland County Structured 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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New York City’s 2026 amendment to the Gender-Motivated Violence Act introduces an 18-month revival window for survivors to pursue civil claims previously dismissed due to outdated statutes. This amendment allows claims regardless of timing and expands institution liability, providing a renewed path to justice and support for survivors through structured settlements.
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The blog addresses structured settlements, designed to provide long-term financial security through regular payments instead of a lump sum after lawsuits or claims. Aimed at teens and young adults, it highlights the importance of understanding these settlements, avoiding scams, and considering alternatives to selling them for immediate cash.
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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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The article discusses the misleading nature of high “rate of return” claims in structured settlement proposals, often characterized by terms like “tax-free rate” versus “taxable equivalent yield.” It emphasizes the importance of accurately understanding Internal Rate of Return (IRR) calculations, noting that different cash flows may yield varying results.
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In 2023, Prudential launched the Income Advantage, an index-linked structured settlement annuity, enhancing consumer options alongside Pacific Life and Independent Life. This product offers growth potential, downside protection, and tax benefits, particularly benefiting personal injury victims and attorneys. Supported by two favorable IRS Private Letter Rulings, it signifies market innovation.
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A New York native, who received a structured settlement a child, has seen his structured settlement destroyed as a young adult in a series of structured settlement factoring transactions over a ridiculously short period of time, with multiple rapid approvals by Florida courts.
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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).