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
- 🔥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)
- ⭐ THE 18–25 GUIDE TO STRUCTURED SETTLEMENTS
about
Category: Secondary Market Structured Settlements
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A Secondary Market Annuity is not an annuity says the NAIC. If you invest in an SMA, you have no insolvency protection in 34 states, with 2 considering it and the NAIC pushing hard for all 50 states to adopt 2017 revision to the Life & Health Guaranty Association Model Act (#520).
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John Darer’s review discusses the secondary market for structured settlement receivables, highlighting the interests of various stakeholders including individual retail investors, fiduciaries, and legal professionals. It emphasizes the complexities of investing in structured settlements, which may be confused with traditional annuities, and calls attention to potential misadvice from financial advisors.
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Structured settlement receivables are NOT annuities and NOT eligible for a 1035 exchange. Holders of retirement annuities may be in for a nasty surprise if they liquidate tax deferred annuities to buy “secondary market annuities”.. It could mean hundreds of thousands in taxes/penalties.. Yuck!
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“We Pay More” claims that will pay more pennies on the dollar for the assignment of your structured settlement payments. It’s the same claim that all the lump sum for structured settlement companies make. Not a single one of them will pay you more than pennies on each dollar.
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The Lape decision in Monroe County opens up an avenue for any payee in the United States to sue structured settlement factoring companies for fraud and deceptive business practices.
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Investing in structured settlement receivables offers limited privacy and is often unregulated, exposing investors to significant risks. Legal issues can arise, including exposure of personal names in court records, leading to costly litigation and potential loss of investments. Caution is essential, as protective measures may fail in court.
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The Walls invested $153,000 in Secondary Market Annuities, an investment that Altium Group misleadingly advertised as having “Unparalleled Safety of Principal”, and the Walls have lost all the money they invested and are left with a pile of legal fees.
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The Maryland Court of Special Appeals has reversed a trial judge’s approval of a class action settlement with victims of an exploitative lead paint settlement scheme, finding the parties could not bargain away the Maryland Consumer Protection Division’s right to seek restitution from the company.