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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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Category: Structured Sales

  • Short Term Structured Settlements Increasingly Attractive

    Short term structured settlements are becoming increasingly attractive due to rising short term rates. Consider these figures: April 11, 2003 compared to March 31, 2006 1 Year T Bill      1.25%  v   4.82% 5 Year T Bond    2.92% v   4.72% Source: Federal Reserve H15 data Certain transactions which might have been less attractive a…

  • Introducing The Structured Sales Authority

    The Structured Sales method for Business and Real Estate Sales is an alternative to IRC Section 1031 exchanges, a way out if you are having trouble finding "like kind " property and  the installment sales method of disposition has you worried baout the long term creditworthiness of the buyer of the property or business. Structured…

  • Daily Rates Are Often an Important Cost Driver of Structured Settlements

    The use of structured settlement daily rate pricing may be just the thing that bridges the gap between in negotiations over a hotly disputed item of damages. In another application it may be used to enhance the value of a policy limits offer where the defendant has limited coverage and no assets.

  • Prudential Announces Non Qualified Assignment Facility

    Prudential Financial announced a new partnership with Pruco Assignment Corporation for non qualified assignments late Friday April 28, 2006. Full details will be available in the next week and they will be posted here on Structured Settlements 4Real. Pruco Assignment Corporation will be a new facility for assignments in non qualified cases such as structured…

  • The GPS For Fiscal Cancer

    As government entitlements become less certain there will be a need for more certainty…the kind of certainty that structured settlements can provide, that we offer. Structured settlement annuities offer certainty, deferred income annuities offer certainty, structured attorney fee annuities offer certainty, structured sales and employment stuctured settlements offer certainty.

  • Mastering Settlement Planning: Beyond One-Size-Fits-All Solutions

    Mastering Settlement Planning: Beyond One-Size-Fits-All Solutions

    The settlement of a personal injury case raises a number of settlement planning issues, regardless of who you represent. A structured settlement annuity may or may not have a role in the settlement planning solutions.

  • Customer Service Numbers for Structured Settlement Annuities

    Customer Service Numbers for Structured Settlement Annuities

    4structures.com, LLC has a convenient listing of Customer Service Telephone Numbers for current and former Structured Settlement Annuity Issuers all in one spot. A good reference because it’s possible that a company, could have merged with another, renamed, or block of business sold.

  • What Is a Structured Installment Sale for Real Estate or Business Interest?

    A structured installment sale is a way of selling real estate or a business interest that marries the best part of an installment sale (the spread-out of gains) andbacking of the installment obligation with an annuity so the seller can think more strategically and more long term with more confidence.

  • Met Life New Ad Campaign Makes Sense

    MetLife has a creative new ad campaign. Life, if belongs to you. Replace today’s uncertainties with certainties. Guarantees for the if in life Clearly insurance is all about risk. Some don’t like paying premiums because they don’t think they’ll ever get hurt, be in an accident, ever need long term care, die too soon, outlive…