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: State Insurance Guarantee Funds
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It is against the law to use the existence of the California Life and Health Insurance Guarantee Association for the purpose of sales, solicitation, or inducement to purchase any form of insurance covered by the California Life and Health Insurance Guarantee Association Act
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The Tennessee House and Senate bills excludes from coverage under the Act a person who acquires rights to receive payments through a structured settlement factoring transaction, as defined in federal law, regardless of whether the transaction occurred before or after the federal law took effect.
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Vigilance is important in these portfolio sales as Athene’s purchase of Aviva USA amply demonstrates. In Allstate’s case its Advance Funding Exchange Notice is an important liquidity feature. Protections must remain so Allstate annuitants are not left to the structured settlement factoring vultures.
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Is the “Best Interest Test” in state structured settlement protection acts adequate to determine suitability of structured settlement factoring transactions, or should a Uniform Suitability standard be established that that places obligations on the settlement purchaser and/or their brokers or affiliates?
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It’s the well-established policy of the USA to oppose any attempt byan annuitant, payee or beneficiary to assign, transfer, sell, or factor annuity payments from an annuity contact owned by the United States, which was purchased as part of a structured settlement of an FTCA claim.
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As part of its effort to sell what it labels a direct investment in an annuity contract, the settlement purchaser states that “each state has a specific limited guarantee or fund for repayment in the event that an insurance company is not able to meet their obligations.
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Is it reasonable,to assume that the State of New York, the State of California or any other state will guarantee any “fakockta” insurance company, for an unlimited amount? ELNY annuitants are seeing the benefit and the draw back of that limit now.
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Retained asset accounts provide a significant benefit to survivors who are dealing with the emotional loss of a loved one. Financial matters may not be the first thing on their minds, and retained asset accounts provide a secure place for life insurance policy proceeds.