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
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Category: Stamford Settlement Planning
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Structured settlements provide tax-free income for personal injuries, backed by reputable insurance companies, ensuring minimal investment risk. They offer automatic asset protection, safeguard against outliving income through lifetime payments, and incur no broker or advisory fees. This financial option emphasizes security and low risk for beneficiaries.
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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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Payout Plus is a new structured settlements annuity option from Pacific Life that enhances financial stability and growth opportunities for claimants. By offering indexed-based payments, it provides a guaranteed minimum with potential fluctuations, catering to those receiving personal injury or workers’ compensation settlements, while promoting financial resilience and flexibility.
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The article discusses the dangers of hidden credit entanglements that can harm individuals, particularly injury victims and settlement payees. Co-signing occurs informally through arrangements like shared phone plans and utility accounts, leading to significant credit damage. This vulnerability is exploited by predatory actors, creating a cycle of financial distress and manipulation.
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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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The article discusses the misleading nature of high “rate of return” claims in structured settlement proposals, often characterized by terms like “tax-free rate” versus “taxable equivalent yield.” It emphasizes the importance of accurately understanding Internal Rate of Return (IRR) calculations, noting that different cash flows may yield varying results.
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When using split funding a structured settlement in any combination, whether a duration split, carrier split, or a product split structured settlement design , it’s a good idea to have a summary delivered to the plaintift.
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Asset based structured settlement assignment fees can run upwards $10,000 on a $1,000,000 case. It’s way more than a normal assignment fee. The fees may not be disclosed and simply built in to the cost. What you may encounter is obfuscation by multiple layers of complexity. That’s not good.
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John Darer warns against structured settlement swaps, which are deceptive sales tactics encouraging individuals to sell their long-term structured settlements for less than worth. He emphasizes that investments from past decades often yield better returns than current market options. Such swaps can jeopardize financial security and incur legal risks. Avoid these schemes.
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A video inaccurately claims that annuity-based attorney fee deferral programs must use offshore funds. The author clarifies that domestic structured settlement annuities can fund attorney fees without going offshore. Various reputable insurance companies offer options that cater to attorneys seeking to enhance their wealth through these deferral programs.