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 Settlements in DC

Structured Settlement Quotes | Guide to Structured Settlement Quotes

May 22, 2025

How do you obtain a structured settlement quote? What are the types of structured settlement quotes? Speak to a true structured settlement broker, expert or consultant and not a factoring company or cash flow company representative masquerading under any of these terms.
DOJ Releases 2024 Annuity Broker List

May 7, 2024

Any annuity broker being considered for selection by the DOJ should be required to verify at the time of selection that he or she meets the minimum qualifications set forth in 28 C.F.R. §50.24(a) and is otherwise competent to provide structured settlement brokerage services to the United States.
John Darer Reviews Daily Rate Pricing for Structured Settlement Annuities

October 25, 2023

Structured settlement daily rates are like daily specials at a restaurant. Just like daily specials at your favorite restaurant can vary from day to day, so can daily rates for structured settlement annuities.
Structured Settlement Annuities Where You Live | Certain vs Guaranteed

March 4, 2017

The words “certain” and “guaranteed” are terms used in settlement documents to describe payment obligations in a settlement agreement and in structured settlement annuities and other income annuities. Both are often used in a way that suggests the terms are synonymous, but are they?
Structured Settlement Documentation | Care in Documentation of “Consideration”

November 20, 2007

Proper documentation of consideration is vital for structured settlement payments, particularly the “promise to pay” for periodic payments. Inadequate wording may render the settlement defective, leaving plaintiffs unprotected. It’s essential to ensure obligations are clearly stated to avoid future complications in qualified assignments, as outlined in IRC 130(c).