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 settlement commutation
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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..
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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.
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An annuitant’s representative was able to significantly better the commutation offer of the company holding his client’s structured settlement, with our assistance, simply by shopping around.
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In December 2006, a legal opinion raised doubts about the ability of assignment companies to restructure periodic payments, leading many insurers to withdraw from commutation programs, favoring factoring companies. However, a 2009 IRS ruling clarified that assignment companies could restructure obligations without tax implications, allowing insurers to resume commutation offerings.
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There is no conflict of interest if an annuity issuer offers a tailored liquidity function. No kick backs from cash now pushers to settlement planners which drain the cash paid to the tort victim, no idiots screaming from balconies or fat Viking opera singers or mass solicitation letters, or plasma for structure!
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A structured settlement commutation rider is a custom option for structured settlements that permits all or a portion of the present value of future structured settlement payments to be paid in a lump sum. Typically the commutation is tied to the death of the annuitant