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
- Daily Rates Are Often an Important Cost Driver of Structured Settlements
- 🔥Founder and Former CEO of 777 Partners, Joshua Wander, Pleads Guilty⚖️ to $500 Million Fraud Scheme — DOJ Confirms Double‑Pledging, Misappropriation of Structured‑Settlement Funds, and Falsified Bank Statements
- The Steering Problem Needs a Wake‑Up Call
- Companies Still Using the Incorrect Term “Secondary Market Annuity”
- Canonical: Non‑Qualified Assignment (NQA)
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Category: Rye Structured Settlements
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This guide aims to assist young adults aged 18-25 in navigating financial decisions related to structured settlements. It emphasizes the importance of understanding these payments as financial stabilizers, warns against predatory buyout offers, and encourages making informed choices that prioritize long-term stability over short-term cash needs.
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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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MetLife has launched the Non-Qualified Assignment Flex Agreement (NQA-FA), providing enhanced payment flexibility not restricted by IRC 72(u). This product supports deferred payments, lump sums, and annual increases, allowing for customization. It serves as a settlement tool for non-physical injury claims, offering reliability and strong repayment features.
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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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New York judges are approving Pacific Life and Annuity index-linked structured settlement payment adjustment riders for minors in an Infant Compromise, as part of a proposed settlement planning allocation to complement fixed rate structured settlements
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Depending on the non qualified assignment facility used, non qualified structured settlements can be funded with annuities, United States Treasury obligations, professional money management (based on objective formula) and/or structured settlement payment rights.
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Structured settlements are generally zero volatility income distribution products. More than half of consumers do not not wanting swings of more that 10% in their retirement portfolio according to a volatility poll conducted online by MetLife.
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Is the structured settlement broker the agent of the Defendant for purposes of “tender” in New York CPLR § 5003-a, or is it an agent of the insurance company? How about the independent contractor who is handling the administration for the structured settlement broker?