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
- Daily Rates Are Often an Important Cost Driver of Structured Settlements
- 🔥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)
about
Category: Structured Settlement Payments
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by John Darer CLU ChFC MSSC CeFT RSP CLTC A prominent settlement industry website states that Section 104(a)(2) of the Internal Revenue Code clarifies an important fact. The full amount of the structured settlement payments is tax-free. This advantage applies to the victim. The investment earnings on a lump sum payment are usually fully taxable.…
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Structured settlements are commonly used to pay damages for personal physical injury or physical sickness, wrongful death, or claims pursuant workers compensation statute. IRC 104(a)(1) and IRC 104(a)(2) provide exemptions for income paid for such types of damages..
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John Darer reviews the difference between a Structured Settlement Annuity and Single Premium Immediate Annuity (SPIA).
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Structured settlements provide safety, security and guarantees. Why gamble if you don’t have to?
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Period Certain in an annuity, means the number of years that the payments will be paid regardless of whether or not the payee of the structured settlement annuity (or retirement annuity) survives the entire payment schedule.
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As harsh as the reality may seem, some people make it easier than a rigged game of “whack a mole”
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John Darer’s prescient Oct 2009 interview of Dallas bankruptcy attorney Bruce Akerly on the potential impact of a Chapter 7 bankruptcy of a structured settlement receivable servicing company on the annuitant’s remaining payments, 15 years prior to SuttonPark’s ignominious demise.
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Be careful how you use the word “guarantee” when expressing structured settlement payments in settlement agreements, qualified assignments, or sales presentations.
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One of our reliable structured settlement factoring information sources claims to have effective discount rates of 7.75% with only slightly higher for AIG paper. This author is not encouraging factoring. If have hit a devastating financial crunch however, AND you have exhausted all other alternatives to get you out of a bind you shouldn't be…
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Structured Asset Funding, the purchaser of a portion of CT woman’s structured settlement payment rights (and the servicer of the rest) can’t give the CT woman a definitive time each month when she can expect to receive the structured settlement payments that she didn’t sell