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: Roseville 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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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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When savings accounts pay zero or confiscatory interest rates, they would seek out the exact type of safe yield that structured settlement payments provide to personal injury victims, wrongful death survivors and others who elect to receive structured settlements when their lawsuits settle.
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Insurance agents, including structured settlement brokers, are prohibited from using the existence of a state Life & Health Insurance Guarantee Association to promote, solicit, or induce the purchase of any insurance product covered under the California Life & Health Insurance Guarantee Association Act.
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It’s National Financial Literacy month, therefore its appropriate that those who hold themselves out as settlement professionals be held to the highest standards when it comes to the fundamental knowledge of the structured settlements.