Below is a brief introduction to structured settlements. What you need to know about structured settlements. Click on the title headings that interest you for a deeper dive on the 4structures.com website, or use the search bar at the bottom of the page to a search within this blog.
The BASICS
- What is a Structured Settlement? What You Need to Know
What you need to know about structured settlements. General explanation of structured settlements, including the stable guaranteed income and favorable tax benefits that give structured settlements their “juice” and a helpful introductory video featuring 2026 A.M. Best Client Recommended structured settlement expert and Registered Settlement Planner John Darer® of 4structures.com® LLC - How Structured Settlements Work | Structured Settlements Explained
How structured settlements work, including 4structures.com LLC’s super helpful structured settlement flow chart/diagram showing how structured settlements fit in with other settlement planning solutions. - Rated Ages and Structured Settlement Cost
Rated Ages for Structured Settlement Annuities present advantages to all parties. Shift the mortality risk to a life insurance company whose business it it is to assess mortality risk to price its life insurance and annuities. Rated ages boost your structured settlement annuity benefit per premium dollar, or your yield on lifetime payments. Rated ages help to reduce the cost of funding a Medicare Set Aside arrangement where a Structured MSA, is being used { WCMSA LMSA or NFMSA]. - Structured Settlement Annuity Companies 2026
Which life insurance companies issue structured settlement annuities going into 2026? A list of current structured annuity issuers, the location of their home offices and their financial ratings from A.M. Best, Moodys, Fitch, Standard & Poors and/or other Tier1 NAIC ratings, with links to their websites and other useful information. - Treasury Funded Structured Settlements
Treasury Funded Structured Settlements are a settlement option for the most conservative using the OTHER permissible qualified funding asset under IRC 130(d), United States Treasury Bonds in addition to, or instead of, structured settlement annuities. Treasury Funded Structured Settlements can also be used to fund installment sales, also known as structured sales and other non qualified structured settlements. - Structured Settlement Payments | Types of Structured Settlements
Ways You Can Structure Your Settlement Payments. With a structured settlement you can have more than one type of payment in a single contract. Different types of structured settlement payments can be customized and combined to meet your needs on a stand-alone basis, or in conjunction with other financial products. Diversify your structured settlement, if you wish, by funding with more than one annuity issuer, with treasury funded structured settlements, index linked structured settlement payments and market based structured settlements. - Compare Structured Settlement IRR to Other Settlement Alternatives
Use the Taxable Equivalent Yield chart to help compare the Internal Rate of Return (IRR) of a structured settlement to other alternative or complementary investments. Need help with the chart? Call 4structures.com® LLC at 888-325-8640
ATTORNEY FEE DEFERRALS
- Structured Attorney Fees for Tax Deferral for Contingency Fees
Structured attorney fees is a financial strategy that offers a unique way to defer taxes for lawyers and law firms. Lawyers CAN structure their legal fees even if the plaintiff doesn’t structure their settlement. There are multiple ways to structure your attorney fees, such as the an index linked structured settlement where payments are adjusted based on upside changes in the S&P; 500 with no downside and a cap ranging from 5%. to uncapped options Trial Lawyers may also use a special deferred pay/deferred compensation arrangement, if market based returns returns are desired with no cap. Plan NOW for year end! Put structured attorney fee expert John Darer® on your settlement planning team.
Getting in touch with Structured Settlement Annuity Issuers
IF YOU ALREADY HAVE A STRUCTURE
- Structured Settlement Annuity Company Customer Service Phone Numbers
Receiving structured settlement payments from your own structured settlement or inherited structured settlement? You’ll like this huge time saver. Click for a comprehensive list of customer service telephone numbers that includes both current AND former structured settlement annuity issuers and reinsurers. If you have simple bank or beneficiary changes, or if the insurance company that issued the structured annuity has merged, sold or spun off its block of structured annuity business (e.g. Aviva, Transamerica, AEGON, GE Capital, Liberty, CNA) or changed its name and you’re trying to track them down, here you go! The list is regularly updated. List includes helpful structured settlement customer service tips. Last updated December 10, 2025
FAQs
- John Darer Reviews Structured Settlement Quote Lock-Ins | What You Need To Know
What does a Structured Settlement Lock-In Mean? How do plaintiffs, defendants and insurers benefit from a structured settlement quote lock in when finalizing a settlement? How does the defendant/insurer/court benefit from using a structured settlement lock-in? Where to be careful when using structured settlement lock ins. - What Are Structured Settlement Annuities?
Structured settlement annuities are annuities that can provide one or more customized annuity payment streams in a single contract. Read about structured settlement annuities here. - History of Structured Settlements
Tracing the roots of structured settlements history from 1918, when Congress exempted damages for personal injury or sickness from income tax, to the establishment of structured settlements as a core personal injury settlement planning tool to the present day.
INDEX BASED STRUCTURED SETTLEMENT OPTIONS
- Pacific Life Introduces Payout Plus for Settlements – Structured Settlements 4Real®Blog 2026 Available in all states but New York
- Index Linked Structured Settlement | Prudential Income Advantage
- iStructure |Uncapped Fixed Index Structured Settlement Annuity
iStructure is an innovative game changing fixed index structured settlement annuity for plaintiffs or attorneys. with an intermediate to long term horizon
MARKET BASED STRUCTURED SETTLEMENT OPTIONS
- What Are Market Based Structured Settlements?
Market based structured settlements are an alternative or supplementary structured settlement solution for the plaintiff, attorney or law firm that: 1. Can afford to take some market risk 2. Have discretionary settlement dollars. Claimants and attorneys alike may find that market-based structured settlements provide the opportunity to receive tax-free income, or tax-deferred income, while enjoying growth potential. - Structured Settlements and Longevity Risk| What Are Your Odds?
Do your financial resources give you enough road, or will the road run out before you do? A structured settlement annuity helps mitigate the risk of outliving your savings, no matter how long you live. A structured settlement can include one or more customized payment streams and types.
Last updated August 4, 2026
