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
- SettlementDecisions Episode 5: What SettlementDecisions Really Is — A Lead Funnel, Not an Information Source
- Structured Settlement Annuity Guarantees Help Financial Peace of Mind
- How Sheron Jones Was Exploited — And Why D.C.’s Failure to Mandate IPA in SSPA Enabled It
- Attorney Fee Structured Settlement Factoring
- One Year Later: The Structured Settlement–to–Bitcoin Anniversary Nobody Is Celebrating
about
Category: Secondary Market Annuities | Not Annuities | Don’t Be Fooled
-
SmartAsset does a lot of good work. Their calculators, guides, and tools help millions of people understand financial decisions that would otherwise feel opaque. This post isn’t about criticizing their mission. It’s about strengthening the ecosystem they influence. Because when a platform with SmartAsset’s reach uses terminology that insurance departments do not support, the consequences…
-
Continued use of trademarked insurance company logos by merchants to promote the sale of structured settlement receivables to investors should be a concern to insurance companies, investors and state financial regulators alike. Lesk is fully aware of the deceit.
-
If the factored structured settlement payment streams were annuity policies, they would generally have to be filed and approved in every state where they will be sold. What is being sold to retirees is not an annuity or an insurance contract. They are receivables. Don’t be fooled.
-
In 2014, I roasted Todd Lesk of MJ Structured Settlement Annuities for deceptive marketing. Lesk wasn’t selling annuities to investors, he was selling structured settlement receivables to investors, under a misleading label. Todd Lesk was permanently barred from FINRA in 2024. Read more.
-
I’m researching demographics of investors who invested in structured settlement receivables sold to the investors as annuities (e.g. secondary market annuities, inforce annuties) in the approach by financial planners (incl.settlement planners) who’ve suffered SuttonPark Payment Servicing Delays. I want to know your stories.
-
It is a scam because investors cannot buy structured settlement annuities. Annuitants cannot sell them either, because they don’t own the underlying annuity. It is generally owned by a qualified assignment company. Investing means you sign a Receivables Purchase Agreement not an annuity application.
-
Investors, financial advisers and insurers of financial advisors should be mindful of a crucial provision of the 2017 Life & Health Guaranty Associations Model Act (#520) which has been adopted by the majority of the United States when evaluating the suitability of structured settlement receivables as investments.
-
None of the structured settlement receivables that Hersh Stern’s company markets as Secondary Market Annuties involves a buyer of a receivable paying a premium to the insurance company listed, or involves a change of ownership of the structured settlement annuity that funds the payment stream
-
Immediate Annuities.com is not accurate about Structured Settlement Receivables in referring to assigned structured settlement payment rights as an annuity or annuities. A structured settlement factoring transaction does not involve any transfer of annuity policies.The “annuities listed” as secondary market annuities are not annuities. They are receivables.
-
NAIC warns of unlicensed legitimate Companies selling unregulated non-insurance products. Factored structured settlement receivables are an unregulated non-insurance product sold by legitimate companies as “Secondary Market Annuities”