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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Category: Spartanburg Structured Settlements
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by John Darer CLU ChFC MSSC CeFT RSP CLTC As more structured settlement designs reference external indices such as CPI‑U, the terminology used to describe them has expanded. Words like index‑linked, index‑based, and occasionally index‑backed appear in product materials and industry discussions, sometimes without clear differentiation. This brief guide provides a neutral, carrier‑friendly framework to…
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Common issues related to structured settlement quotes and funding which should be of interest to plaintiff attorneys, plaintiffs, insurance adjusters, defense attorneys and other interested parties or stakeholders in the structured settlement process across the United States
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“This is a much needed step to ensure that our most vulnerable South Carolinians are no longer preyed upon by unscrupulous flim-flam artists,” South Carolina governor Henry McMaster said upon signing the upgraded structured settlement protection bill into law on May 16, 2023.
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Sellers explain why they regret those decisions years later. One said selling his stuctured settlement was “the biggest regret of his life”. tt’s unwise to proceed without independent professional advice, even if its not mandatory in your state
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SC Structured Settlement Protection Act | Following a multipart expose of structured settlement annuitants being exploited by structured settlement factoring companies a bill has been introduced in the South Carolina Senate seeking to amend Section 15-50-25 of the South Carolina Code of Laws
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Requiring structured settlement transfer petitions to be heard in the same court where the Structured Settlement was established makes sense as does mandating Independent Professional Advice and/or Neutral Guardians in South Carolina, and should not be limited to attorneys checking a box..
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All (structured settlement factoring) matters related to S.C. Code Ann. § 15-50-40 (2005) shall not be referred to Masters-In-Equity or special referees until further order of Chief Justice. Pending orders referring these matters to Masters-In-Equity or special referees are hereby vacated.
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The structured settlement transfers involving the Badger children, representing a return of about 7 cents on the dollar, were among the most lopsided South Carolina factoring deals reviewed by McClatchy, which compiled complete data for more than 1,400 structured settlement transfers.
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Qualified assignment paragraph 9, the IRC 130(c) unwind clause has from time to time given some defense lawyers “twisted blood” . An unwind of the qualified assignment might hurt the payee as well, if a qualified assignment release and pledge agreement ia used to give the payee a security interest
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In December 2006, a legal opinion raised doubts about the ability of assignment companies to restructure periodic payments, leading many insurers to withdraw from commutation programs, favoring factoring companies. However, a 2009 IRS ruling clarified that assignment companies could restructure obligations without tax implications, allowing insurers to resume commutation offerings.