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: Settlement Planning Ethics
Settlement Planning Ethics is a collection of informational blogs, investigative reports and opinion that come under the topic of Settlement Planning Ethics
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A structured settlement lock-in (or lock in) means that the structured settlement annuity issuer will guarantee the cost of a structured settlement, including the specific payment stream in exchange for the “quid pro quo” of a commitment to accept or purchase.
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Despite express communications from Independent Life Insurance company to contrary for more than 4 years, some settlement planners are mispresenting the nature of Independent Life’s ratings and its reinsurance in side by side comparsions and omitting others. The question is why?
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Has a structured settlement broker or settlement planner altered a NY Life structured settlement quote? It appears so. Bespoke “Civil Row” alterations putting license, appointment and reputation on the line over a piece of a $100,000 case with a $3.970 commision..
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The misrepresentation involves an implication or even suggestions that the A+ rating from A.M. Best, awarded to Hannover Re, extends to Independent Life, or that the reinsurance serves as a form of financial guarantee actionable by the Independent Life consumer against the reinsurer.
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It wasn’t an annuity, it was an assignment of rights to certain agent’s fees due to the sports agent for NBA player Paul Millsap of the Brooklyn Nets, flowing through a chain of transactions, being held out as as an annuity, of questionable suitability for a disabled man with brain damage.
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“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..
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Today structured settlement factoring has devolved from justification as a source of liquidity to one of endless documented cases of systemic destruction of a stable source of income for annuitants, with the aid of shady lawyers and certain inattentive judges not up to the task.
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If you are solicited by a trusted settlement planner to sell the structured settlement that they placed for you, you should immediately become suspect. There are legitimate reasons to question the settlement planner’s motivation no matter how trustworthy the settlement planner may be to you.
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Apparently the settlement planners/appointed agents are buying their clients’ rights to receive payments from structured settlements funded with the very same life insurance companies’ annuities, for pennies on the dollar, that the settlement planner placed.