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: Secondary Market Annuity Fallacy

The Secondary Market Annuity Fallacy is quite simple. The label is a false flag and misleading an investor of any sort shouold not rely on the tern, since that is not what they are being sold, nor what they are buying.

Structured settlement receivables are not an insurance product see National Association of Insurance Commissioners ( NAIC) Statutory Issue Paper No. 160 (finalized April 6, 2019)

Structured settlement Receivables do not meet the definition of annuity under the laws of most states.

Acquired structured settlement payment rightsare experessly excluded by the 2017 REvisons to the Life & Health Guaranty Associations Model Act that has been adopted by the majorty of U.S. states.

  • Secondary Market Annuity Terminology On The Way Out?

    Secondary Market Annuity Terminology On The Way Out?

    Trending Slowly but Surely Genex Capital—————-> “Fixed Rate Runner” (2026) A Review of Genex Capital’s Fixed Rate Runner™🟦 – Structured Settlements 4Real®Blog 2026 May 30, 2026 Pacific Structured Assets (Catalina) –——>”the underlying structured settlement was originally funded by an insurance company purchasing an annuity for the claimant. When the claimant sells their payments, the investor…

  • 🧭 SmartAsset, Clarity, and the Cost of Terminology Drift

    🧭 SmartAsset, Clarity, and the Cost of Terminology Drift

    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…

  • 🔥It’s Just Not an Annuity | Buying and Selling Structured Settlement Payments as an Investment

    🔥It’s Just Not an Annuity | Buying and Selling Structured Settlement Payments as an Investment

    Key bullet points to set you straight about some of the questionable claims made by individuals and companies to investors in structured settlement payment rights. Don’t be fooled by glib salespeople who don’t know their product.

  • Secondary Market Annuities Are A False Flag Operation

    Secondary Market Annuities Are A False Flag Operation

    “Secondary Market Annuity” is a false flag used in the secondary and tertiary market to appropriate the imprimatur of annuities to market an investment that’ isn’t an annuity to advisors (including certain settlement planners) who then market the instrument to investors, including injury victims..