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: Saratoga 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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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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It is highly unlikely that a judge would approve the sale of minor’s structured settlement payment rights for pennies on the dollar to make a discretionary purchase such as an ATV for a minor. Selling a structured settlement to pay for an ATV for a minor also makes no financial sense
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In 2026, several life insurance companies provide structured settlement annuities for personal injury and related claims in New York City and surrounding counties. Key issuers include Metropolitan Life, New York Life, and Prudential. Only three companies offer annuities for structured judgments under specific legal articles due to strict provisions.
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Settlement Planning Opportunities and Considerations With The Excelsior Scholarship and Collateral Benefits as New York offers free full-time undergraduate tuition at public colleges and universities to students with an annual family income of $125,000 or less.
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Increasing yields on the 10 year United States Treasuries narrow the negative interest rate spread that has served as a growth rate when calculating the present value of damages under NY CPLR Article 50-B for almost a decade.
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Pacific Life Insurance Company* has extended its lock in period to 12 months from 6 months in a move that will make it a bit easier to deal with intolerable delays associated with Surrogate Court approvals necessary in New York wrongful death cases. It will also be helpful on infant compromise cases.
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AGC Life Insurance Company guarantees the obligations owed to structured settlement payees under Qualified Assignments entered into AFTER after January 16, 2012. AGC Life is a MO domiciled life insurance company and owner of certain affiliated life insurance companies of AIG.
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In the NY Lyons v Medical Malpractice Insurance Association case, plaintiff sued the defendants and their representatives for negligent misrepresentation on the cost of a structure, and the resulting influence on the decision to settle. At issue in the case was who owed a duty of privity to who.
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In New York, the rights of payees receiving structured settlement payments are protected under Title 17 of the New York State General Obligations Law 5-1703, also known as New York’s Structured Settlement Protection Act.