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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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.
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A structured settlement lock in is a commitment. The life insurer, relying on the commitment and must set aside assets to cover the obligation. If the funding does not later materialize and investment values go in the wrong direction, the insurer must eat the loss.
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The use of structured settlement daily rate pricing may be just the thing that bridges the gap between in negotiations over a hotly disputed item of damages. In another application it may be used to enhance the value of a policy limits offer where the defendant has limited coverage and no assets.
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Settlement planning expert John Darer reviews some common but important issues related to structured settlement quotes and funding of structured settlement annuities
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John Darer reviews how a structured settlement lock-in may offer critical benefits to claimants, plaintiffs, defendants and insurers alike at the time of case resolution. It’s important to know what a lock-in is, how it can help and its limitations