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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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

Category: Structured Settlement Sales Cycle

  • Structured Settlement Annuity Contract and Servicing Issues-1

    With all the modern technology available one wonders why the majority of the companies issuing structured settlement contracts have not made use of an alert system to their appointed brokers. When a case is submitted to the annuity issuer it often falls into a black hole after a faxed premium confirmation is received. Sometimes a…

  • Structured Settlement Market Capacity and Service Issues

    Those surviving structured settlement markets are flooded with opportunity yet are attempting to handle this with the same relative amount of staff. The result is that the sales cycle must be extended, turnaround expectation on such quotes must be adjusted and such expectations must be related to clients and, in some cases (from a post…

  • Structured Annuity Issuer Customer Service…Areas To Improve-1-Policy Mailings

    This author believes that the shorter the structured settlement sales cycle the more happy your customer will be. One thing that I have observed that needlessly extends the sales cycle is delivery of structured annuity contracts to settlement agents, brokers or consultants after contract issue.  After what for some companies is a multi month process…