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: Structured Settlement Annuity
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Who are prospects for structured settlement annuities? Is conventional thinking about structured settlements too limiting?
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Pacific Life has the only structured settlement Index linked annuity payment adjustment rider. It has performed for Pacific Life structured settlement payees, A 5% upward move in payments applied at the end of the 1st contract year. A great deal because it’s priced at a similar rate to a 2.3% COLA.
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Insurers of structured settlement annuities are subject to mandatory annual audits and other financial compliance measures. Insurer reserves must hold assets sufficient to equal or exceed the contractual payment obligations.
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LIMRA Secure Retirement Institute (LIMRA SRI) says that fixed income annuities are one of the two rising stars of the industry. Structured settlements are a form of fixed income annuity. InsuranceNewsnet labels the rising income annuity trend as “the income annuity meteor”
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A structured settlement is not an annuity. A structured settlement however, can be funded with an annuity as a qualified funding asset pursuant to IRC 130(d).
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A structured annuity is a type of qualified funding asset used to fund the payment of future damages from the settlement of a lawsuit or legal dispute. A structured annuity is fully customizable annuity allowing for many different types of payment streams.
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Nationally known personal finance expert Jane Bryant Quinn strongly supports income annuities as a protection against the risk of outliving one’s savings. Structured settlement annuities are a form of annuity that can include both immediate income annuities (SPIA) and deferred income annuities (DIA).
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Structured settlement annuities are issued by some of the oldest and largest life insurance companies in the United States. Many companies that issue these annuities are also among the biggest issuers of life insurance in the world.
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Structured settlement hardship conversion as a The Game Changer is speculative. The real test will come when comparing the “all costs in” recovery with the hardship conversion, to what can be obtained in a structured settlement factoring transaction priced in the secondary market
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Annuity payments build Income streams. An annuity contract is a financial agreement between a life insurance company and its customer outlining the terms of future payment obligations that are assumed in consideration of a premium paid.