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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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: San Francisco Structrued Settlements

  • Discover Pacific Life’s Payout Plus: Index-Based Growth

    Discover Pacific Life’s Payout Plus: Index-Based Growth

    Payout Plus is a new structured settlements annuity option from Pacific Life that enhances financial stability and growth opportunities for claimants. By offering indexed-based payments, it provides a guaranteed minimum with potential fluctuations, catering to those receiving personal injury or workers’ compensation settlements, while promoting financial resilience and flexibility.

  • Paymaster.co | Chocolate Chip Cookie Lover’s Website Still Can’t it Right on Structured Settlements

    Paymaster.co | Chocolate Chip Cookie Lover’s Website Still Can’t it Right on Structured Settlements

    Structured settlement annuity company. Regardless of whether an individual identifies as an agent, broker, settlement planner, financial planner, structure yogi, or “la vache qui rit” an insurance license is required to place structured settlement annuities.

  • Prudential Receives Favorable IRS PLRs for Index Linked Structured Settlement Annuity

    Prudential Receives Favorable IRS PLRs for Index Linked Structured Settlement Annuity

    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.

  • SF Weekly Publishes One of the Most Fupped Duck Pieces About Structured Settlements Ever

    SF Weekly Publishes One of the Most Fupped Duck Pieces About Structured Settlements Ever

    SF Weekly claims to be “San Francisco’s smartest publication. They claim to “take journalism seriously”.  Where does taking in money from paid sponsors, enabling them to unload more crap than on the streets of San Francisco, intersect with “serious journalism”?

  • Are Structured Settlement Receivables a Qualified Funding Asset?

    Are Structured Settlement Receivables a Qualified Funding Asset?

    The article, by John Darer, discusses the complexities and potential legal issues surrounding factored structured settlement receivables as qualified funding assets. It raises concerns about misrepresentations of structured settlement payment rights, questioning the legitimacy of these agreements and their tax implications under Internal Revenue Code. The author urges readers to seek clarification and professional advice.

  • Is Structured Settlement COLA Taxable?

    Is Structured Settlement COLA Taxable?

    A Structured Settlement COLA, or Cost Of Living Adjustment, is a fixed annual increase in future payments, elected before settlement finalization. While typically non-taxable, certain scenarios—like variable income streams or taxable damages—may incur tax liabilities. Recent developments include new index-linked structured settlement options by various insurers.