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: San Diego Structured Settlement Investments
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You or your US clients may be pitched investments in other people’s structured settlements using the false flag claim that they’re annuities. Structured settlement receivables aren’t annuities and bear risks to investors that may make them unsuitable for vulnerable retirees and personal injury victims.
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The risk for people who are already invested in other people’s structured settlement payment rights is that the exclusion is applied retroactively and they have no protection in the event of insolvency of the underlying annuity issuer or bankruptcy of the qualified assignment company.
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A Secondary Market Annuity is not an annuity says the NAIC. If you invest in an SMA, you have no insolvency protection in 34 states, with 2 considering it and the NAIC pushing hard for all 50 states to adopt 2017 revision to the Life & Health Guaranty Association Model Act (#520).
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The focus should be on enforecable secondary marketplace standards regarding solicitation of structured settlement annuitants. Does the same or similar standard that applies to marketing to seniors apply here? I know I’ve been barking about this for years. But where are we?