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: “The Best Interest Test” and Judicial Responsibility

Judges need to be on their game when it comes to evaluating a structured settlement transfer petitions. History has shown some horrific preventable judicial mistakes that led to unimaginablebut consequences

Understanding Court Approval for Structured Settlement Transfers

August 7, 2010

Court approval is required for structured settelment payment rights transfers to ensure that the transaction is in your best interest. Unfortunately, there have been far too many cases where sellersended up being taken advantage of.
Courts Should Impose Sanctions on Factoring Company Lawyers Who Are Ill Prepared to Defend “Best Interest” Test

August 18, 2009

After reading some of the decisions made by judges around the country where a structured settlement factoring transaction was determined to fail "the best interest" test, it is evident that neither the factoring company or their legal counsel was adequately prepared. It is hard to see from some of the published decisions where an adequate…
Judge’s Responsibility to See That Factoring Company “Servicers” Are Bonded As Part of Judge’s Oversight of Structured Settlement Factoring Transactions?

January 1, 1970

State structured settlement protection acts leave it to a judge to determine if the structured settlement factoring transaction is in the plaintiff’s “best interest”. Many judges are already doing a great job. But here’s something that must be addressed.

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Category: “The Best Interest Test” and Judicial Responsibility

Understanding Court Approval for Structured Settlement Transfers

Courts Should Impose Sanctions on Factoring Company Lawyers Who Are Ill Prepared to Defend “Best Interest” Test

Judge’s Responsibility to See That Factoring Company “Servicers” Are Bonded As Part of Judge’s Oversight of Structured Settlement Factoring Transactions?