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: Stamford Settlement Planning
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John Darer reviews the subject of structured settlement rated ages and impaired risk underwriting as it applies to structured settlements and structured judgments. Attorneys, judges, plaintiffs and claims adjusters can all benefit from the information in this podcast, the first of a two part series.
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Period Certain in an annuity, means the number of years that the payments will be paid regardless of whether or not the payee of the structured settlement annuity (or retirement annuity) survives the entire payment schedule.
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The American College has enhanced the Chartered Financial Consultant® (ChFC®) designation, now requiring nine college-level courses starting October 1, 2009. This includes elements of the CFP certification and specialized electives. Established in 1982, the ChFC® signifies a high standard of knowledge in financial planning, distinct from the CFP credential.
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A Structured Settlement COLA, or Cost Of Living Adjustment, is a fixed annual increase in future payments, elected before settlement finalization. While typically non-taxable, certain scenarios—like variable income streams or taxable damages—may incur tax liabilities. Recent developments include new index-linked structured settlement options by various insurers.
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Proper documentation of consideration is vital for structured settlement payments, particularly the “promise to pay” for periodic payments. Inadequate wording may render the settlement defective, leaving plaintiffs unprotected. It’s essential to ensure obligations are clearly stated to avoid future complications in qualified assignments, as outlined in IRC 130(c).
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John Darer discusses the concept of settlements, emphasizing that they are negotiated compromises rather than victories. He clarifies that settlement agreements explicitly state they do not imply liability. Additionally, he critiques misleading advertisements that suggest one can “win” or be “awarded” a settlement, reinforcing the importance of accurate terminology.
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Capital First Trust Company is an independent, South Dakota-state chartered trust company with its principal office in Sioux Falls, South Dakota and an office located in Milwaukee, Wisconsin.Capital First Trust focuses on Personal Injury Settlement Trusts, SNTs, and Advisor Directed Trusts.