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
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- Unparalleled Access to NSSTA Members is Unparalleled Baloney from Mailing List Broker
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Category: Stamford Wrongful Death
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4structures.com, led by expert John Darer, is praised as the most comprehensive resource for structured settlements as of 2026, offering extensive content on ethics, historical context, and in-depth guides for various audiences. Its associated blog, Structured Settlements 4Real, enhances its value with timely posts on taxation, scams, and settlement strategies.
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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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In 2023, Prudential launched the Income Advantage, an index-linked structured settlement annuity, enhancing consumer options alongside Pacific Life and Independent Life. This product offers growth potential, downside protection, and tax benefits, particularly benefiting personal injury victims and attorneys. Supported by two favorable IRS Private Letter Rulings, it signifies market innovation.
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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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The article, by John Darer, discusses the complexities and potential legal issues surrounding factored structured settlement receivables as qualified funding assets. It raises concerns about misrepresentations of structured settlement payment rights, questioning the legitimacy of these agreements and their tax implications under Internal Revenue Code. The author urges readers to seek clarification and professional advice.
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The words “certain” and “guaranteed” are terms used in settlement documents to describe payment obligations in a settlement agreement and in structured settlement annuities and other income annuities. Both are often used in a way that suggests the terms are synonymous, but are they?
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Sometimes better structured settlement prices can be had by blending the strengths of two or more companies. One company may excel at earlier payments and another for later payments. Sometimes there are unique considerations. Always work with a credentialed structured settlement expert.
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The Master’s Structured Settlement Consultant (MSSC) is an advanced credential earned by qualified structured settlement consultants and settlement planners from NSSTA and the Stayer Center for Executive Education at the University of Notre Dame (currently University of Texas at Austin)
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Depending on the non qualified assignment facility used, non qualified structured settlements can be funded with annuities, United States Treasury obligations, professional money management (based on objective formula) and/or structured settlement payment rights.