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 Lock-In
A Structured Settlement Lock-In is an important tool used in the creation of structured settlements. A strucured settlement lock-in:
- Secures the cost of a structured settlement payment stream that must be enumerated in a petition for Court approval of a settlement for minors or wrongful death action.
- Protects against downward interest rate fluctuations during the time period between the date that the parties have reached agreement to compromise and the date the structured settlement is funded.
- Protect the intricate weave of the rates in an integrated structured settlement plan with more than one structured annuity issuer.
- Increase parties satisfaction with the overall process
Read more of the details in the posts in this collection authored by structured settlement expert John Darer CLU ChFC MSSC CeFT RSP CLTC of 4structures.com LLC
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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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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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A structured settlement lock-in is an important tool that stabilizes the process of placing structured settlement annuities. A structured settlement lock-in means that the annuity issuer will guarantee the structured settlement cost of payments in exchange for a commitment to purchase..
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A structured settlement lock-in protects against interest rate shifts for brokers and planners at case resolution. It guarantees specific payment streams, often without fees for short periods. Lock-ins enhance satisfaction and funding security, especially for minors or wrongful death settlements. Absence of a lock-in risks delays and potential financial losses.
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Pacific Life Insurance Company* has extended its lock in period to 12 months from 6 months in a move that will make it a bit easier to deal with intolerable delays associated with Surrogate Court approvals necessary in New York wrongful death cases. It will also be helpful on infant compromise cases.
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The Pacific Life agreement to eliminate lock in fees for up to 6 months on its structured setlement annuities, is an importanat underwriting concession that makes it easier to place structured settlement annuities in a shifting interest rate environment
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Pardon my fleeting skepticism, BUT the fact is that some life insurance company relationship representatives have ended up getting hired by your competitors. Who hasn’t demurred when out with someone from a life insurer who has asked who your biggest clients are?
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According to our sources it HAS been noticed that some structured settlement brokers and settlement planners have a pattern of locking in "any old benefit" to preserve a rate series and then opportunistically taking advantage of the life insurer by submitting a material modification of the payment stream, such as major change of duration. In…
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Structured settlement lock-ins enable settling parties to fix benefits that are being submitted for Court approval, where the court approval process make take months and where the Court needs to see actual not hypothetical benefits. A judge can approve benefits without the fear that they are no longer available
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Rising interest rates affect the discount rates to present value under New York CPLR 50A and 50B statutes, as well as reducing the cost of funding the future damages to be paid periodically under a structured judgment. Rising taxes will affect the collateral source offset under New York CPLR 4546.