Structured settlements expert John Darer reviews the latest structured settlements news and information and provides expert opinion and commentary, including settlement planning issues/ ideas for settlement management, incisive Structured Settlement Watchdog® commentary that may be helpful to lawyers, plaintiffs, claims adjusters, judges, the news media, sellers and buyers of structured settlement receivables,and interested others. The style is spicy, informative, irreverent and effective. The most prolific structured settlements blog, Now in 20th Year! Check back daily for something new.
Got to hand it to Stone Street Capital for a massive blooper. Here it is
Beavis and Butthead
" Structured Settlement I Have | Score Some Cash with Stone Street"
What Does It Mean to Score?
It's clear that Stone Street is not appealing to soccer players, but using street slang.
"success in obtaining something (such as money or drugs) especially through illegal or irregular means" Merriam-Webster Dictionary
"To get illegal drugs" Cambridge-English Dictionary, Urban Dictionary To wit..."You know where I can score some drugs?", within a *day* everyone would be selling. Your friends. Their kids. Here's why: it's an unbeatable market force man". actor Topher Grace as Seth Abrahms in Traffic (2000)"
"Beavis : Damn it, this always happens. I think I'm gonna score, and then I never score. It's not fair. We've traveled, um, a hundred miles 'cause we thought we were gonna score". from Beavis & Butthead
Ironically, when you sell structured settlement payments for the best you're gonna get..."pennies on the dollar", you're closer to the past tense of the " F" word and Butthead Nirvana than a big cash windfall
Penned while waiting for the release of Covid-19 booster shots, here's another "jab" at the structured settlement factoring industry and the misinformation disseminated by some of its members, an apt descriptor of which shares its name with a popular processed lunchbox meat.
The Structured Settlement Cash Now Opus ( a parody)
The Baloney has a funny voice. Sounds like BlaBlaBla.
The Baloney has a first name
F-A-C-T-O-R. The Baloney Has a second name, Pennies on the DOLL-AR. Oh I love to critique it everyday And if you ask me why I'll say,
Factoring Companies have a way with C-R-A-P-O-L-A.
San Francisco's weekly rag, the SF Weekly has published one of the dumbest pieces about structured settlements ever.
"All You Need to Know About Structured Settlements and How to Sell Them" is accredited to an unidentified paid sponsor which peddles pennies on the dollar financial smack to consumers. SF Weekly claims to be "San Francisco’s smartest publication. That’s because we take journalism seriously". My question is where does taking in money from paid sponsors, enabling them to unload more crap than on the streets of San Francisco intersect with "serious journalism"?
Lie #1
"It is absolutely legal to sell a structured settlement for instant cash".
What SF Weekly published on January 16, 2021 in exchange for money from a sponsor is a total lie because If you sell your structured settlement you will not get instant cash. A small advance perhaps, but not instant cash.
Lie #2
"When somebody plays a part in another person’s injury or financial losses, they’re compelled by a judge or jury to pay a compensation to the wronged party. This compensation is known as a settlement"
What SF Weekly published on January 16, 2021 in exchange for money from a sponsoris wrong because neither a judge nor jury awards a settlement. The "awarded a settlement" vortex is one of the "Ground Hog Day" of financial illiteracy spread by financial illiterates in (or hired by) the structured settlement secondary market.
Ignoring the legal concept of negligence, one of the examples used in the lie, and published on January 16, 2021 by SF Weekly in exchange for money from a sponsor is "A quack doctor paying a settlement to a patient for prescribing a wrong medication or administering a wrong treatment.
A quack doctor is "anunqualified person who claims medical knowledge or other skills" [Source: Collins English Dictionary].
In order to practice medicine in California, one must be licensed by the Medical Board of California, which states its mission "is to protect health care consumers through the proper licensing and regulation of physicians and surgeons and certain allied health care professionals and through the vigorous, objective enforcement of the Medical Practice Act, and to promote access to quality medical care through the Board's licensing and regulatory functions". [Source: Medical Board of California}
Taking the example of the sponsor of the article that SF Weekly took money from, would a "quack doctor" qualify for medical malpractice insurance to have money to pay a settlement? A big part of an application for medical malpractice coverage involves credentialing. Medical schools attended, Internships, Residency, Fellowship, Other Training, details of prior coverage, practice information, hospital staff appointments, board certifications, list of states where licensed and license numbers. List all counties and states where you are currently practicing, and the corresponding percentages of patient hours expended in each [ Sourced from application from the largest medical malpractice insurer in the United States]
What is medical negligence?
“The elements of a cause of action for medical malpractice are: (1) a duty to use such skill, prudence, and diligence as other members of the profession commonly possess and exercise; (2) a breach of the duty; (3) a proximate causal connection between the negligent conduct and the injury; and (4) resulting loss or damage.” (Lattimore v. Dickey (2015) 239 Cal.App.4th 959, 968 [191 Cal.Rptr.3d766].)
Lie #3
In describing how settlements are paid. SF Weekly Publishes Lie #3 on January 16, 2021, in exchange for money from one of its sponsors , that a settlement is paid as a one-time payment, wherein the offender pays the wronged party compensation they're owed in one go. Alternatively it is described as a structured payment wherein an offender agrees to pay a regulat stream of payments.... The latter is also known as " structured settlements"
An offender is someone who commits an illegal act.
Criminal negligence is the reckless disregard for the safety or life of another human being. An act of negligence that is so serious it could constitute a criminal offense, e.g. the negligence regarding the care of a child is so severe it would make the accused criminally responsible.
Then there is the case of Mens Rea. Did the doctor have it? To illustrate, we'll go old school on this one with a classic scene from "See No Evil Hear No Evil"
Generally structured settlements settlements are entered into by Defendants and Insurers (in some cases qualified settlement funds) as consideration for a release of liability from claimants or plaintiffs.
Lie #4 Published by SF Weekly January 16, 2021, in exchange for money from a sponsor
"You’re not breaking any law by selling your structured settlement. What you’re simply doing is borrowing from your future payments. It is still your money, only that you’re getting it before the due date".
A structured settlement transfer is a sale and irrevocable assignment of structured settlement payment rights for pennies on the dollar. You will ALWAYS lose money.
Lie #5 Published by SF Weekly January 16, 2021, in exchange for money from a sponsor
"This rate usually ranges from 9 to 20 percent, depending on the perceived risk associated with your payment" says the article. Factoring companies charge a discount rate on the sale of structured settlement payments. Sellers get a percentage of the present value. That is literally only pennies on the dollar. But the reality is that rates are available well below 9%. Don't be a sucker consumers!
Should you sell your structured settlement payments to finance a down payment on a home, as a number of sell your structured settlement companies suggest?
Examples
Client First Funding "Your current structured settlement or annuity payments may be paying income for many years to come but you have specific housing needs today. A lump sum payment may be just what you need for a down payment on a new home".
"Whether you want to buy a new house...selling structured settlements to Woodbridge Structured Funding, LLC can put your award to work today"
Comments
Saving for a down payment on a home requires financial discipline. When you achieve your savings goal and use the money for a down payment, the money comes out of your savings. In other words, it is generally not borrowed or financed.
The fact that you are making a down payment means that you are contemplating borrowing money to purchase your home. At the time of posting the average 30 year mortgage rate was 4.21% and 15 year mortgage 3.37% (Source: Bankrate.com)
Selling structured settlement payments to raise money for a down payment means that you are financing the down payment
Depending on which cash now pusher you select you could be financing the down payment for your home at a rate of 18% or higher! The rate I'm talking about is the effective discount rate that is quoted that includes all origination fees, court filing fees, legal fees and commissions paid to the factoring broker, your settlement planner or financial advisor, if applicable.
Your structured settlement represents a stable source of guaranteed income
It's boring. It lacks sex appeal. You won't find it in trendy stores. But having a steady supply of income means a lot in these days of economic uncertainty, even if it means waiting a few more months or years.
Think very carefully before you sell structured settlement payments to finance your down payment on a home because home ownership may not be all that it's cracked up to be:
"The economic recovery is in a bad way. To get it back on track, the housing market will need revival. And yet, three years after the economic crisis (and after bailouts, multiple rounds of stimulus, and much toiling over the national debt) housing numbers are getting worse. August 25, 2011 Time magazine on-line" (Roya Wolverson)
Low appraisals are being blamed for slowing home sales in many areas of the country as new appraisal guidelines go into effect. Housing Predictor.com September 5, 2011
Bargain hungry investors are searching for deals, but their ranks are thinning as the scavengers realize the market isn’t what it used to be – not even since the beginning of the year. Housing Predictor.com August 30, 2011
( Emphasis ours)
In addition to the possibility of effectively borrowing money to buy something that may decline in value, you need enough money to maintain the home, repair the home (when necessary) and pay taxes on the home. If you have to "rob from yourself" to make the down payment, how are you going to pay THAT? Even if the home appreciated, compare the long term return on real estate to your cost of money your effectively incur when selling the structured settlement payments to the cash now pushers.
Don't let short term thinking get your ship sinking!
A factoring company's failure to respect an "under seal" Court order caused unwanted solicitation of a seller's fellow siblings who were victims of sex abuse and were also receiving structured settlement payments as part of the resolution of their lawsuits.
After one of the siblings attempted to sell their structured settlement payment rights to one of the factoring industry's "household names",the other siblings began to receive unwanted solicitations from other factoring companies seeking to buy THEIR structured settlements. Apparently, to some factoring companies "sniffing" court documents is like "sniffing glue". In my opinion it's like a loaded diaper, it stinks!
With no laws governing the solicitation of structured settlement recipients by structured settlement cash now companies, the potential for abuse of structured settlement recipients continues.
Be sure to watch the debate NASP's Matt Bracy and I had on the subject of factoring licensing and regulation which will air on Legal Broadcast Network.
"We Buy Structured Settlements! We Buy Structured Settlements! We Buy Structured Settlements!" cry out the endless ads all over the internet and print media. But is it really true? Can those advertisers indeed buy structured settlements?
Who buys structured settlements? First let's look at the definition of structured settlement under the United States' Internal Revenue Code.
For purposes of Federal taxation, a structured settlement is defined by IRC Section 5891(c)(1) as an arrangement that meets the following requirements:
i. A structured settlement must be established by:
(a) A suit or agreement for periodic payment of damages excludable from gross income under IRC Section 104(a)(2); or
(b) An agreement for the periodic payment of compensation under any workers’ compensation law excludable under Section 104(a)(1); and
ii. The periodic payments must be of the character described in subparagraphs (A) and (B) of IRC Section 130(c)(2) and must be payable by a person who:
(a) Is a party to the suit or agreement or to a workers compensation claims; or
(b) By a person who has assumed the liability for such periodic payments under a Qualified Assignment in accordance with IRC Section 130.
Patrick J. Hindert of S2KM, and co-author of Structured Settlements and Periodic Payment Judgments also defines a structured settlement as a "package of financial and/or insurance products, generally including periodic payments, that a claimant accepts to resolve a personal injury claim or to compromise a statutory periodic payment obligation."
If one accepts the definitions included in the Internal Revenue Code, as well as from one of the industry's foremost scholars, then those advertisements are false. Let's elaborate.....
When a structured settlement is created who actually buys the qualified funding asset (generally a structured settlement annuity, but can be a US government obligation)? In the majority of cases the periodic payment obligation is assigned to an assignee, by way of a qualified assignment (referred to in the IRC definition). If this is the case then the assignee receives consideration for taking on the assignment and buysthe structured settlement annuity. If the case is unassigned then the Defendant or The Defendant's Insurer buys the structured settlement annuity. In either case the "buyer" buys the structured settlement from a licensed insurance agent/broker.
Other than the above you can't buy a structured settlement. A factoring company, such as any one the advertisers in question, cannot buy a structured settlement unless it is a Defendant or Insurer on behalf of the Defendant and the case does not utilize a qualified assignment, or it is acting as an Assignee. I have no knowledge of of any scenario where this would be the case.
A structured settlement factoring transaction accurately describes what is really happening and its right there in the Internal Revenue Code as such. A structured settlement factoring transaction is one which effects the transfer of the structured settlement recipients rights to receive the future structured settlement payments (future periodic payments). "We do structured settlement factoring transactions", or SSFTs, or FTs, or TPPRs ("transfer of periodic payment rights"), or whatever, just doesn't sound as sexy and simple as "we buy structured settlements" and of course it is more of a mouthful to say. I guess the truth is hard to swallow.
What is a Structured Settlement? What You Need to Know Structured settlements and what you need to know about them including a helpful introductory video featuring A.M. Best Client Recommended Structured Settlement Expert and Registered Settlement Planner John Darer of 4structures.com LLC
How Do Structured Settlements Work? How Structured Settlements Work How structured settlements work, including 4structures.com LLC's super helpful structured settlement flow chart/diagram showing how structured settlements fit in on the spectrum of 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 which specializes in assessing mortality risk to price its life insurance and annuity products. 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].
Top Structured Settlement Annuity Companies 2025 Which life insurance companies issue structured settlement annuities in 2025? 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. Last updated November 3, 2024
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.
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
Structured Settlement Payments | Types of Structured Settlements 2025 In 2025, you can structure your settlement payments in various ways. A structured settlement allows for multiple payment types within one agreement. You can tailor and merge different structured settlement payments to suit your individual needs, either alone or alongside other financial instruments. If desired, diversify your structured settlement by utilizing multiple annuity issuers, treasury-funded structured settlements, index-linked structured settlement payments, and market-based structured options.
Structured Attorney Fees for Tax Deferral for Attorney Contingency Fees Structured attorney fees offer a financial strategy that provides a unique method for deferring taxes for attorneys and their firms. Attorneys can structure or defer their legal fees independently of whether the plaintiff structures their settlement. There are various ways to structure attorney fees, including capped or uncapped index-linked structured settlement annuities with payments adjusted according to the S&P 500 or another index's positive changes. Trial lawyers might also opt for a special deferred payment/compensation arrangement if they seek market-based returns without a cap. As the year-end approaches, consider adding structured attorney fee specialist John Darer® to your settlement planning team for 2025.
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 the title for a link to 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, Allstate, Transamerica, AEGON, GE Capital, Liberty, CNA, Confederation Life), oran annuity issuer has changed its name and you're trying to track them down. Here you go! The list is regularly updated. Last updated December 9, 2024.
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.
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 the 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.
Intellectual Property Structured Settlements While intellectual property wasn’t a common focus for structured settlements, the growth of IP litigation led to some firms, including 4structures.com, LLC, adapting structured settlements in this context. The 2017 Tax Cuts and Jobs Act shifted some Intellectual Property assets (e,g, patents) from capital gains treatment to ordinary income treatment, while increasing tax rates on lump-sum sales from 20% to 37%, increasing the appeal of structured settlement options for tax planning. Click through for more details!
Firmwide Qualified Settlement Funds Debunked Firmwide qualified settlement funds have been heavily promoted to trial lawyers, but have been debunked in a detailed analysis in a July 2022 legal opinion a tax partner at the law firm of Faegre Drinker Biddle & Reath, LLP. Trial lawyers and firms who have established Firmwide QSFs or coinsidering establishing a Firmwide QSF should read the analysis as part of their evaluation.
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STRUCTURED SETTLEMENTS 4REAL® Blog Is a Popular Source of Structured Settlement News, Information and Commentary, John Darer Reviews, Settlement Planning News and Financial Solutions for over 19 years,
with a stable readership that seeks credible structured settlement information, John Darer Reviews, commentary and/or opinion about topical issues related to settlement planning, targeted to lawyers, injured persons and their family members, guardians, survivors, judges, magistrates, special masters, mediators, administrators, trust companies, insurance company executives and adjusters, financial advisers, settlement professionals, financial professionals, insurance regulators, government leaders, federal and state law enforcement, buyers and sellers of structured settlement payment rights, the news media and other interested parties.
4structures.com LLC established this structured settlement blog in 2005. John Darer ®, CLU ChFC MSSC CeFT® RSP CLTC, President of 4structures.com, located in Stamford, CT 06902. John Darer is an experienced New York City area structured settlement expert, structured settlement broker, Certified Financial Transitionist, and Registered Settlement Planner. He holds insurance licenses in 45 states, has 41 years financial services experience and 31 years in the structured settlements and settlement planning space.
In his capacity as a investigative journalist and commentator, and professionally, John Darer passionately believes that shining the light on a business practice is both healthy and newsworthy. It is in the best interest of injury victims, their families and their legal advisers, that the settlement planning discussion involve those that are properly trained in the topic, properly informed on the topic and, with respect to structured settlements, properly licensed and/or appointed. It has significant instructional and deterrent value to other practitioners and firms as well as those who may be caught in the cross hairs.
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Last updated February 18, 2025
New York City Structured Settlement Experts Bridge building settlement consultants who collaborate with clients using a humanistic process, providing creative and reliable advice and support for litigating parties and their lawyers with matters in Courts throughout the New York City metropolitan area
New York Structured Settlement Expert Whether you're at the crossroads of the world or the crossroads of your life, structured settlements provide stability for when life is at a crossroad. Call 888-325-8640
New York Settlement Planning Expert for NY Attorneys and Residents - YouTube New York settlement expert John Darer's comprehensive approach to Settlement Planning helps New York personal injury lawyers and their clients move through the financial transition resulting from a major life event. CPLR Articles 50A and 50B expertise for New York lawyers
New York Structured Settlement Expert Useful information and ideas about structured settlements, settlement planning and litigation recovery managements for New York residents, New York Lawyers and New York judges
New York General Obligations Law §5-1702 The New York Structured Settlement Protection Act imposes mandatory requirements on the defendant or the defendant's legal representative when a structured settlement is created (as part of the resolution of a case)
Structured Settlements v Structured Judgments Often confused by writers on the Internet, but there IS a difference between structured settlements and structured judgments under CPLR Articles 50A or 50B. Find out more...
Connecticut Structured Settlement and Settlement Planning Experts 2025 4structures.com LLC is based in Stamford CT and Connectict works with clients all over CT, Greenwich, Stamford, Darien, New Canaan, New Haven, Hartford, West Hartford, West Haven, Torrington, Danbury, Wilton, Windsor Locks, , Norwalk, Middletown, New London, Westport, Oxford, Stratford, Old Greenwich, Stafford, Storrs, Groton, Harwinton, Milford, West Haven,
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In my opinion, John Darer is an excellent consumer advocate in the insurance industry. When I had no one else to turn to after running up against the stone walls of these giant insurance company, John Darer used hours of his own time to investigate my situation. Not only is this an invaluable service to me the consumer but it is also of great value to the insurance industry by providing them consumer feed-back. This allows the insurance companies to correct their faults and move toward greater transparency which improves the overall public image of the insurance industry as a whole" JW 9/4/2014
John, Keep fighting the fight. -NASP member 12-4-2013
John...Thank you for your professional advice-Brandon 11-13-2013
"...Thanks to Mr. Darer's blog and personal pointers I was able to obtain a fair price for the sale of client structured settlement. Therefore, if one has no choice, but to sell their settlement educate yourself first before selling start by reading John's blog" Mr P. 11/17/2012
"I always appreciate when he (John Darer) keeps us informed on regs and rules. No one does it better"- structured settlement industry colleague and reader RY 7/26/2012
"Amen - and continued thanks for your vigilance, John"- RL 8/18/2011
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I have found the intelligent and forthright information on your site a godsend. So much so I have tried in a small way to pass on my findings to others. Please keep up the good work and enhance your well deserved reputation as the authority on this subject- Mike 4/29/2011
John -
I can't thank you enough for bringing this to my attention. In my wildest dreams... PJ-May 12, 2011
John, I love reading your blog! Not only have I found very useful information there, but the comedy is much appreciated! Thanks for talking about "the big pink elephant in the living room" that everyone else ignores!
Thank you again for your help via phone and blog! I really needed to hear what you had to say today! BM 11/23/2010
John—this (video published 11/2010) is a well done piece. I like the way you always stick to the facts-AM
What a wonderful blog you have! I have completely enjoyed reading some of your posts (4/16/2010)
Thank you so very much for discussing my concerns about Symetra, my annuity company. I am amazed that PI attorneys as well as a settlement broker in San Diego, could not answer the simplest questions I had regarding the Safeco/Symetra issue. Your blog/web site is most interesting and informative, and I am grateful you have take on the "watchdog" role!
Thank you so much again (3/25/10)
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I heard a radio ad for the Peachtree Settlement Fund as I was driving into work this morning. (San Francisco Bay area.) I decided to check it out on the Internet and came upon your blog. Thank you very much. I do not have a “structured” settlement,
"All the others that I had emailed & have seen on the net were "cash now types" & have no concern of me & just are looking for my $$$. When I came across your site & blog I realized that u are an upstanding guy & are not like others. That's why I emailed"
This was Great. Right On Point-TS
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"He is a fabulous writer who has a great passion for the structured settlement industry. I commend him on the passion he invokes when he writes on his blog listed above. That type of commitment and passion is hard to find and is rare in this world" -AC
Structured Settlement Best Practices Corner
New York Insurance Advertising law requires the full name of the Insurer to be listed along with the city and state of the principal office. Stating that you represent these fine companies using Insurance company logos without the preceding information are also illegal
When it comes to settlement documents it is the ultimate responsibility of the lawyers or claims adjusters who receive input concerning the structured settlement aspects of the documents to actually read the entire document, exercise independent thought and advise their clients properly
Be aware that financial advisors use of testimonials is prohibited or restricted
Most states require that Testimonials represent the CURRENT opinion of the person who made the testimonial. Be prepared to back it up.
Number of States That Prohibit Payment of QSF expenses by licensed agents and brokers
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The John Darer® authored Structured Settlements 4Real® blog is the most prolific structured settlement blog, providing information, commentary and opinion since 2005 with over 5,420 blog posts, and counting!
Why Take a Structured Settlement?
A structured settlement offers guaranteed financial security to personal injury victims, wrongful death survivors and their families. A structured settlement involves a customized stream of payments, provides long-term stable tax-free income, for a period of years or a lifetime. Unlike other income annuities. a structured settlement annuity can have multiple payment streams to address multiple needs in a single contract.
London Market Structured Settlements Experts Bridge building settlement consulting using a humanistic process, providing creative and reliable support for London Market Insurers, Lloyds Syndicates, Claims Professionals and Lawyers
New York Structured Settlement Experts Bridge building settlement consultants who collaborate with clients using a humanistic process, providing creative and reliable advice and support for litigating parties and their lawyers.
FactCheck.org nonprofit "consumer advocate" for voters that Aims to reduce the level of deception and confusion in U.S. politics. They monitor the factual accuracy of what is said by major U.S. political players in the form of TV ads, debates, speeches, interviews and news releases.
NYC 9-11 Health The World Trade Center Health Registry is now the largest registry in U.S. history to track the health effects of a disaster. The federally funded program is information central for first responders and others with health issues from 9-11
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