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: Structured Sales
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Fairfield Funding can neither buy a structured sale annuity, nor can the owner sell the structured sale annuity according to the terms of the non qualified assignment establishing the periodic payment obligation assumed from the buyer of capital property and purchase of the funding instrument.
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by John Darer CLU ChFC MSSC RSP CLTC The Federal tax increases, or effective tax increases, arriving in 2013 have both settlement planning and financial planning implications and may have a positive effect on the utility of structured settlements, structured attorney fees and other financial solutions involving structured periodic payments. A. Increase in personal income tax rates…
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MORE TAXES+ GREATER INTRINSIC VALUE FOR NEW AND EXISTING STRUCTURES, even in a low interest rate environment. Check out the taxable equivalent yield chart at 4structures.com and see how that “puny 3% rate of return”, “ain’t too shabby” if you’re in the 40% tax bracket.
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A structured sale annuity IS NOT tax exempt. Provided the terms of IRC 453 apply, a structured installment sale should help the seller defer capital gains taxes. Like a regular installment sale, when each installment is made, a portion of it represents return of basis in the property, part represents capital gain and part represents ordinary…
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The closure of the loophole means an added capital gains exposure which may be mitigated through the use of a structured installment sale (a/k/a “structured sale)
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Life Insurance Market Research Association (LIMRA) reports that overall individual-annuity sales grew 4% during the second quarter, buoyed by a spike in fixed-annuity sales. LIMRA states that U.S. individual-annuity sales grew to $68.4 billion during the second quarter, up from $65.7 billion, with a large portion of the growth from a 46% jump in fixed-annuity…
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The claim that structured settlements are “tax-free” is misleading. While most structured settlement payments are exempt from federal and state income taxes, other taxes, such as estate taxes and certain excise taxes, may apply. Advertisements must accurately convey these nuances to avoid deception according to federal regulations.
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The following quotes are attributed to Agora Financial’s Dan Amoss, CFA on today’s issue of "The Five Minute Forecast" e-newsletter. "Large pension fund managers working for those with the least to lose tend to be the biggest patsies when it comes to misguided investments. The speculation du jour is called a CDO, which stands for…
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Following a survey of its peers in the global life insurance industry, Prudential Financial has unseated perennial leader Northwestern Mutual as the 2007 top global insurance company-life and health category by Fortune magazine**. Mighty Northwestern Mutual has led this survey of industry peers for many years so this is just an incredible feat for Prudential.…