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.
What are structured settlement annuities? Who are the structured settlement annuity companies, the companies that issue structured settlement annuities in the USA.
Structured settlement expert and Registered Settlement Planner John Darer discusses structured settlement annuities and which life insurance companies are writing structured settlement annuities in the United States of America in this informative video. Structured settlement annuities are placed by licensed agents and/or brokers appointed by the annuity issuers.
To see a list of structured annuity companies available along with financial ratings, please click here.
"...the best way to ensure enough flexibility to move in and out of riskier assets and strategies is to establish a steady and predictable income stream that will enable clients to ride out a stretch of lean years". Investment News September 19, 2010
The 5 strategies addressed in the article are:
Immediate annuities, which Investment News dubs "the ultimate in predictable income"
Individual bonds. The article states "Bonds are obviously a critical part of an income portfolio, but in a rising-interest-rate environment — which is likely over the next several years — individual bonds have a distinct advantage over pooled-mutual- fund strategies. As opposed to bond funds, which are never as nimble as a separately managed and customized bond portfolio, the idea here is to shift the emphasis from risk tolerance to income objectives".
Reverse Mortgages The article states "While reverse mortgages are still a long way from being the first choice for most retirement income strategies, they do represent an opportunity that is worth considering. One reason reverse mortgages will continue to gain popularity among retired people is that unlike home equity loans or second mortgages, the loans are not structured based on income or an ability to make payments"
Investment News issues this caveat "On the surface, the idea of enabling older homeowners to convert part of their real estate equity into tax-free income while staying in the home seems like a no-brainer. The trouble is, since reverse mortgages started gaining popularity in the late 1990s, many senior citizens have been victimized by shoddy sales practices. A cited quote says "It's still The Wild west out there". But "as the 70 million members of the baby boom generation hit the qualifying age for a reverse mortgage (62), there is good reason to believe the forces of supply and demand will lead to significant improvements in the way these loans are sold, structured and maintained".
Convertible Bonds Investment-grade convertible bonds can introduce some capital appreciation to a portfolio heavy on income-producing intermediate-term bonds.
Master Limited Partnerships- article discusses how teh packaging of master limited partnerships into mutual funds, exchange-traded notes and exchange-traded funds is introducing a viable way to hold these higher-yielding investments in qualified retirement accounts with a less complicated tax structure.
What About Structured Settlement Annuities For Injury Victims and Lawyers?
Although the article does not specifically discuss structured settlement annuities, plaintiffs with serious personal physical injuries often face the same issues as retirees because their disabilities, or the loss of a primary bread winner may, in effect, make them "retirees".
Structured settlement annuities provide predictable income. Structured settlement annuities are a solid way to ensure enough flexibility to move in and out of riskier assets and strategies and to establish a steady and predictable income stream that will enable plaintiffs to ride out a stretch of lean years.
Investment News' immediate annuity strategy is the "longevity insurance approach", to write life only annuities that cease payment upon death to maximize yield. They refer to this as " the no-load version, skip the death benefit, just lock in the income"
This is all well and good if you have life insurance to offset loss of principal if you care about the possibility that you could die before the cost of the annuity has been paid out. For healthy and insurable retirees it may be is a superior strategy because this risk can be mitigated with life insurance. It IS possible to find 20 year level premium term insurance through issues ages as old as 70.
For more information about immediate annuities, income annuities or structured settlement annuities or if you need structured settlement quotes now call John Darer at 888-325-8640
In this month's Advisor Today John Rafferty, VP Marketing at American General opines that understanding the "lump sum-to-income" conversion math is not second nature to most people and that a better retirement can be created by helping people adopt an "income"mindset.
As Rafferty points out the Senate thinks this is so much of an issue that a bill was introduced December 3, 2009 to rectify the situation (at least for those covered by ERISA Retirement plans).
The following is a summary of he proposed act written by the Congressional Research Service, a well respected non partisan arm of the Library of Congress:
S2852 "Lifetime Income Disclosure Act - Amends the Employee Retirement Income Security Act of 1974 (ERISA) to require the quarterly pension benefit statement furnished to a participant or beneficiarywith the right to direct the investment of assets in his or her account under an individual account plan to include a lifetime income disclosure at least once every calendar year. Requires such a lifetime income disclosure to set forth the annuity equivalent of the participant's or beneficiary's total benefits accrued. Defines an annuity equivalent of the total benefits accrued as the monthly annuity payment the participant or beneficiary would receive at the plan's normal retirement age if those total accrued benefits were used on the date of the lifetime income disclosure to purchase certain qualified joint and survivor life annuities whose annuity payments would commence at the plan's normal retirement age. Directs the Secretary of Labor to: (1) issue a model lifetime income disclosure, written in a manner which can be understood by the average plan participant; and (2) prescribe assumptions that plan administrators may use in converting total accrued benefits into annuity equivalents. Declares that no plan fiduciary, plan sponsor, or other person shall have any liability under ERISA solely by reason of the provision of annuity equivalents derived in accordance with such assumptions and related rules and including explanations contained in the model lifetime income disclosure". (Underlines and bold added by this author for emphasis)
Why stop at retirement planning?
How about:
Life insurance proceeds? Most life insurance companies give a beneficiary a number of settlement options for the proceeds, which include lifetime income options. Many also include a retained asset account to help beneficiaries pay immediate bills to buy time and provide a decision free zone while they work through the intricate emotional issues that follow a sudden money event
Lottery proceeds? We've all read the pathetic stories of poeple who have won bazillions of dollars or pounds who have managed to squander this money in a very short period of time. The problem is that there are too few options (basically income or cash) and nothing in between. Intead of giving the tabloids the ability to exploit the worst in human frailty. there should be mandatory disclosures and an option or options that offer a percentage into an annuity instead of all or nothing.
Personal Injury settlements? Divorce settlements? Workers Compensation settlements? Why not make it mandatory that a structured settlement is offered as a choice? Most personal injury attorney have anecdotes from their own clients and have heard or read of others. While many attorneys have a good sense some dismiss a structured settlement without giving their client the opportunity to make the decision. From time to time I have received calls from people "after the fact" and have to tell them that it is too late to receive an income tax free structured settlement.
JG Wentworth, the cash now pusher from Radnor, PA has a MAJOR financial illiteracy moment by advertising that you can sell it your structured settlement annuity in Google Sponsored Ads which appear at the top of search engine results for "structured annuity".
To wit...
"JGWentworth.com/SettlementAnnuity Sell Your Settlement Annuityto JG Wentworth. Free Settlement Quote!"
A structured settlement factoring transaction involves the transfer of structured settlement payment rights (which are established under a contract) NOT the sale of the actual annuity contract.
Wikipedia states "A structured settlement factoring transactiondescribes the selling of future structured settlement payments (or, more accurately, rights to receive the future structured settlement payments).
In second part of a two part series which explores rated ages and the challenges of impaired risk underwriting for structured settlement annuities John Darer's special guests include Rosemary Brindamour, Chief Medical underwriter for John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Comapny of New York, and Robert Shavelle PhD of the Life Expectancy Project. The podcast was stimulated by the Ron Houben case in which the patient was initially diagnosed as being in a persistent vegetative state for many years but later was discovered to be in a locked in syndrome.
In this video, John Darer and Mark Wahlstrom discuss the subject of structured settlement rated ages and impaired risk underwriting as it applies to structured settlements and structured judgments. Attorneys, judges, plaintiffs and claims adjusters can all benefit from the information in this podcast, which is the first of a two part series. How do you benefit from a rated age?
Federal regulators closed 4 more banks on February 19, 2010 bringing the year's total to 20.
There were 140 bank failures in 2009, the highest annual number of bank failures since 1992, when the country was at the height of the savings and loan crisis.
The 2009 failures cost the insurance fund more than $30 billion. As a comparison there were 25 bank failures in 2008 and only three in 2007.
Depositors' money is insured up to $250,000 per account through 2014. The FDIC's expectations are a $100B outflow over the next 4 years. Banks are assessed premiums each year and in 2009 were mandated by the FDIC to prepay premiums for 2010-2012 to help replenish the withered coffers of the bank insurance fund.
It is worth pointing out that during the same time period of this financial crisis no structured settlement annuity issuer has been taken over by state insurance regulators and ALL of the structured annuity issuers writing structured settlements have made their payments to annuitants.
Still feel comfortable putting your settlement money in the stock market?
Today's headlines from CNBC
Dow Down 4% after brutal sell off
Dow Jones Industrial Average has dropped 6.7% from its 52 weeks closing high on January 19, 2010
S&P 500 has dropped 7.6% from its 52 week closing high on January 19, 2010
Nasdaq biggest one day drop since October 1, 2009
Silver Futures down 5%, lowest since June 2009
Gold Biggest Drop since December 2008
Oil Futures Down 5%
A few memorable lines from Tim Rice and Andrew Lloyd Webber's dying protagonist Evita, frame the obvious question:
"Where do we go from here? This isn't where we intended to be We had it all, you believed in me I believed in you
Certainties disappear What do we do for our dream to survive? How do we keep all our passions alive, As we used to do?"
HOW WOULD YOU FEEL ABOUT THIS?
Using the S&P 500 as an example, on $1,000,000, a 7.6% loss meant a loss of $76,000 in 3 weeks!
Using the Dow as an example , on $1,000,000,a 4% loss meant a loss just today of $40,000?
Are you mentally prepared for that?
Were you mentally prepared for that?
STRUCTURED SETTLEMENTS PROVIDE A GUARANTEED OUTCOMEFOR YOUR INCOME
I disagree with "Evita Peron" on one point, in the case of structured settlements, certainty generally doesn't disappear.
Think about this:
You can have your structured settlements funded with a specially customized annuity (or annuities) from an insurance company with over $300 billion in assets like New York Life Insurance Company which has been providing financial security for 165 years and has weathered numerous national and global financial crises. More recently New York Life insurance Company weathered the financial storm of 2008 with no drop in its highest ratings from AM Best, Moodys, Standard & Poors or, Fitch.
Alternatively, or in conjunction with the above in #1, you can have your structured settlements funded with United States Treasury obligations, currently rated AAA. If you have concerns about inflation such United States Treasury Funded Structured Settlements can be funded with Treasury Inflation Protection Securities (TIPS).
And, if you want there are other large regulated insurance companies, with similarly long histories to help protect your income and longevity risk. You can also diversify across a number of companies and between annuities and TIPS.
No structured annuity issuers have been taken over by a state insurance regulator during this financial crisis.
Compare this to banks. While banks have FDIC protection on deposits (subject to certain limits), think about how many banks have failed in the last 3 years.
WHY GAMBLE IF YOU DON'T HAVE TO?
**opening stanzas from "You Must Love Me", Evita, Andrew Lloyd Webber and TIm Rice
Question: "I have a structured settlement from an accident settlement that says, " years certain and life", or "lump sum certain". What does that mean?"
Answer:
Years Certain or Period Certain with structured settlement annuity, simply means the number of years that the structured settlement payments will be paid regardless of whether or not the payee of the structured settlement annuity (or retirement annuity) survives the entire payment schedule.
In some cases, the number of years certain is referred to as the number of years guaranteed although such usage may be misleading because when there is a years certain and life the payee is guaranteed to receive payments for the rest of his or her life.
A 2017 legal decision examines the use of "guarantee" in settlement documents from another angle. In a lawsuit against the United States arising from the ELNY shortfall, plaintiffs argued (unsuccessfully) that a period certain period, referred to as a guaranteed period, meant the United States guaranteed the payments when the document expressly said they didn't.
We understand that, In December 2009, one of the structured settlement annuity insurance companies has terminated the appointments of 5 structured settlement general agencies. The purported reason for the terminations was to assure the continuation of a higher level of service amidst staffing cutbacks.
Pipeline agreements are not direct appointments
While it is possible that such terminated structured settlement agencies will be able to establish "pipeline agreements" with other appointed general agencies, or individual agents or tehir agents could join another agency on the date of termination, it became inappropriate for the terminated general agencies to advertise that they are directly appointed with (a list of life) insurance companies" that includes the one that they have been terminated from. To continue to say so would be inaccurate in light of the developments.
Pay attention to confidentiality of medical information
Plaintiffs and plaintiff lawyers must also be aware of and seek a disclosure from these companies that confidential medical information submitted for rated age determinations from the terminating annuity issuer must see an additional set of eyes in order to happen. In other words the terminated broker will no longer be able to submit the information directly to the annuity issuer and must instead submit these documents through its pipeline partner.
This author looks to the relevant company or companies to update their websites forthwith, to bring them in compliance with state insurance advertising statutes, the code of ethics of the National Structured Settlements Trade Association and the Standards of Professional Conduct of the Society of Settlement Planners.
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.
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 18 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.
WHAT YOU GET here is the straight stuff with a touch of irreverence and humor. We hope you enjoy and find the content to be helpful.
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Last updated July 10, 2024
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 Experts 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, Ridgefield, Norwalk, Midletown, New London, Westport, Oxford, Stratford, Old Greenwich, Stafford, Storrs, Groton
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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
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"...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
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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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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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Comments to this blog are encouraged, welcome and add spice to the interactive nature of blogs. However, the unscrupulous practice by some to deliver comment spam, to connect all manner of unrelated products to structured settlements, detracts from user experience, is NOT tolerated by this author and thus necessitates the practice of comment screening.
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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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