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
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about
Category: Structured Settlements in Illinois
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Structured settlements provide sustainable income for injury victims and their families. Sustainable income is income which is consistent and steady over time. Sustainable income provides a level of calm and clarity while things are in flux and pave the road to the new normal.
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Structured settlement payments should not be late, “for their very important date” with you. This post may be helpfulif you are concerned about late structured settlement payments.
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Pacific Life & Annuity Services, Inc., is the qualified assignment company for all Pacific Life branded structured settlements and include underwriting companies Pacific Life Insurance Company in all states but New York and Pacific LIfe & Annuity company for all claims with touch points to New York.
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The United States Attorney (or his designee) involved in any settlement negotiations shall have the exclusive authority to select an annuity broker from the list of such brokers established by the Attorney General, provided that all documents related to any settlement comply with DOJ requirements,
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Keep in mind with an index linked structured settlement annuity or index linked annuities that “uncapped” does not mean “unlimited”. A volatility controlled index shifts assets between a risk component and a risk-free component to reach the targeted volatility level.
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A structured settlement annuity is insurance product that (1) can provide multiple payment streams, as well as (2) different types of structured settlement payments, in a single annuity contract that can be customized to a person’s needs.
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Asset based structured settlement assignment fees can run upwards $10,000 on a $1,000,000 case. It’s way more than a normal assignment fee. The fees may not be disclosed and simply built in to the cost. What you may encounter is obfuscation by multiple layers of complexity. That’s not good.
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John Darer warns against structured settlement swaps, which are deceptive sales tactics encouraging individuals to sell their long-term structured settlements for less than worth. He emphasizes that investments from past decades often yield better returns than current market options. Such swaps can jeopardize financial security and incur legal risks. Avoid these schemes.
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When you enter into a long term structured settlement, it can unsettling to later learn that the insurer has been sold or the product line discontinued. How insurers manage change speaks volumes. Examples of divestitures and acquisitions of structured settlement product lines, or actual insurers.
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Chegg presents a misleading math question about selling structured settlements, asserting incorrect valuations for an annuity that pays $80,000 annually for 22 years. The content clarifies that structured settlements differ from annuities, emphasizing that Chegg’s provided answers are incorrect and illustrate a misunderstanding of financial principles.