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 Settlement Commutation Rider

A Structured Settlement Commutation Rider offers liquidity (e.g. to help pay liens ) if the Measuring Life passes away. An irrevocable election to commute and the percentage to be commuted must be determined when the structured settlement is established.

  • Does a Structured Settlement Commutation Rider Simplify Inheritance?

    Does a Structured Settlement Commutation Rider Simplify Inheritance?

    John Darer, is a structured settlements expert who has written a number of blogs concerning structured settlement commutation riders. Here John Darer reviews a claim by Annuity.ORG, an organization that shills for CBC Settlement Funding of Conshohocken, PA, about commutation riders..

  • Is A Commutation Rider the Fries To The Structured Settlement Burger?

    Is A Commutation Rider the Fries To The Structured Settlement Burger?

    The article discusses Structured Settlement Commutation Riders, likening their value to fries accompanying a burger. It emphasizes the rider’s purpose in providing liquidity for beneficiaries and addresses misconceptions about their benefits, particularly regarding probate and tax implications. The author critiques misleading claims from settlement planners, highlighting regulatory aspects and the evolving landscape of estate tax.

  • How Commutation Riders Work in Structured Settlements

    How Commutation Riders Work in Structured Settlements

    A structured settlement commutation rider is a provision in a structured settlement that provides for a conversion of some or all of the future structured settlement payments to a lump sum timed to a specific event and in accordance with a formula specified in the contract.