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 Information
Structured Settlement Information is an important category in structured settlement taxonomy due to the tension between the Primary and Secondary Markets that may use some of the same terms. The Structured Settlements 4Real blog, authored by structured settlment and settlement planning expert expert John Darer, is considered a premier source for structured settlement information, news, expert opinions, settlement planning ideas, and alternative deferred payment solutions.
If you seek information about structured settlement related to a current legal case you’re involved with then contact someeone who holds an insurance licensed in your state, other recognized professional credentials and has the depth and breadth of experience to serve your needs
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Some insurers and self-insured defendants choose to pre-fund structured settlements before final legal releases to simplify legal proceedings, especially in cases involving minors or wrongful deaths. However, challenges arise when defendants refuse to pre-fund, leading to delays. Proposed solutions include pre-fund refund letters and payment date slide language to mitigate risks.
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Structured settlements today can be funded through several different financial instruments. Each one has its own mechanics, tax treatment, and crediting method. This guide explains the four funding families and the two crediting philosophies that define the modern structured settlement ecosystem. 1. What a Structured Settlement Is A structured settlement is the payment agreement that…
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A structured settlement quote refers to an annuity quote from a life insurance company for establishing a structured settlement. However, in the secondary market, it often describes a factoring quote, misleading consumers. This distinction between the primary and secondary meanings is crucial for consumer understanding, legal clarity, and regulatory compliance.
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Structured settlements provide tax-free income for personal injuries, backed by reputable insurance companies, ensuring minimal investment risk. They offer automatic asset protection, safeguard against outliving income through lifetime payments, and incur no broker or advisory fees. This financial option emphasizes security and low risk for beneficiaries.
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A structured settlement lock-in (or lock in) means that the structured settlement annuity issuer will guarantee the cost of a structured settlement, including the specific payment stream in exchange for the “quid pro quo” of a commitment to accept or purchase.
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The blog addresses structured settlements, designed to provide long-term financial security through regular payments instead of a lump sum after lawsuits or claims. Aimed at teens and young adults, it highlights the importance of understanding these settlements, avoiding scams, and considering alternatives to selling them for immediate cash.
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The Periodic Payment Settlement of 1982, a public law that allows defendants to assign their obligations (via a “qualified assignment”) to make future periodic payments to a third party without retaining a future obligation to the injured party has benefits to all sides. Read more.
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In late August, Typepad announced its shutdown, prompting the author to migrate 20 years of content from over 5,500 blogs to WordPress before the September 30, 2025 deadline. This challenging transition preserved valuable resources for consumers, and while the new site is functional, further refinements are ongoing. Readers are encouraged to engage with the updated…
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Common issues related to structured settlement quotes and funding which should be of interest to plaintiff attorneys, plaintiffs, insurance adjusters, defense attorneys and other interested parties or stakeholders in the structured settlement process across the United States
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How do you obtain a structured settlement quote? What are the types of structured settlement quotes? Speak to a true structured settlement broker, expert or consultant and not a factoring company or cash flow company representative masquerading under any of these terms.