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: Saving Money
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The use of structured settlement daily rate pricing may be just the thing that bridges the gap between in negotiations over a hotly disputed item of damages. In another application it may be used to enhance the value of a policy limits offer where the defendant has limited coverage and no assets.
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Structured settlements provide tax-free income for personal injuries, backed by reputable insurance companies, ensuring minimal investment risk. They offer automatic asset protection, safeguard against outliving income through lifetime payments, and incur no broker or advisory fees. This financial option emphasizes security and low risk for beneficiaries.
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It has been suggested that using a structured settlement annuity is an alternative to Health Savings Account. In my opinion such assertion cannot be applied categorically and each situation should be looked at independently. This blog explores the question
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Disturbing News from the National Bureau of Economic Research and the Discover US Spending Monitor in an article about "wallet fatigue" published in Sunday's New York Post. "The middle class and the upper-middle class are looking at falling home prices, income raises that fall short of the inflation rate, an unemployment rate that barely moves and a…
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Figure out how much you need to contribute and/or earn in order to get your portfolio back to where it was. Also useful as a savings/retirement plan projection and in settlement planning.
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by John Darer CLU ChFC CSSC RSP The S&P Case-Shiller index of home values has fallen to where it was in 2002. Current national savings rate 5.7%, highest since February 1995. Nearly 6% of fixed-rate mortgages to borrowers with good credit were in the foreclosure process according to the Mortgage Bankers Association and 12% of…
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There is substantial overlap between financial and settlement planning. While so much focus has been placed on “the secondary market”, opportunities exist on the financial planning side that are being completely missed by structured settlement brokers and settlement planners. .
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The Massachusetts Division of Insurance has issued an important reminder about the new mandatory health insurance rules that apply to Massachusetts residents. Two important dates are July 31, 2007 and December 31, 2007. "Many new health plans will be available by July 1, 2007. If you enroll in an individual plan between May 1 and…
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Yesterday I received a call from an 18 year old reader whose mother and guardian agreed to a structured settlement, several years ago, as part of the resolution of the now 18 year old”s personal injury case. The 18 year old, aware that her mother wanted to spread out her payments as a spendthift protection…