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 Settlements Essentials
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Don’t kill the client’s ability to do a structured settlement. Avoid torching all your hard work after a long day of settlement negotiations at mediation by blowing it on flawed “cookie cutter” settlement documentation! Be mindful of the constructive receipt doctrine
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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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by John Darer CLU ChFC MSSC CeFT RSP CLTC A number of people have been confused by the term "structured investment vehicle" to the degree that they believe it has something to do with the term structured settlement. Rest assured that a structured settlement IS NOT a structured investment vehicle, as that term is defined…
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At the creation of a structured settlement that includes a qualified assignment, the proper memorialization of the sequence of events is critical to the long term tax treatment of the structured settlement payments in the plaintiff’s recovery.
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CONSTRUCTIVE RECEIPT…Two big words. Add one fatal tax principle. Possible E&O Claim.
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A rated age is an important component of a structured settlement pricing when there are life contingent payments
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Qualified assignment companies special purpose companies that do little else than taking assignments of structured settlement obligations from defendants/insurers. Qualified Assignment companies receive amount being structured and pay it to the annuity issuer after deducting a fee
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A qualified assignment under IRC Section 130(c) is designed to take on the obligation to pay future periodic payments for damages that qualify under IRC 104(a)(1) and IRC 104(a)(2). That’s it.
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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 of 4structures explores rated ages and the challenges of impaired risk underwriting with guests Rosemary Brindamour, Chief Medical Underwriter for John Hancock Life Insurance Company and Robert Shavelle PhD of the Life Expectancy Project.