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.
The Wall Street Journal reported that the Weiss stock ratings ranked #1 in profit performance, ahead of ratings by Goldman Sachs, JPMorgan, Merrill Lynch, Morgan Stanley, Standard & Poor’s, and all other firms covered.
In 2004, a U.S. Government Accountability Office (GAO) found that the Weiss insurance company ratings beat those of Moody’s, Standard & Poor’s, and A.M. Best by at least three to one in accuracy.
Ratings are helpful and important but not exclusive factor in the insurance decision making process (which includes structured settlement annuities).
Master NAIC Designation and Category grid - 2020.xlsx. Note that Weiss Ratings is not on the NAIC grid. That doesn't mean you should exclude them as part of your evaluation and consideration of any insurance placement, including the placement of structured settlement annuities.
Why Is Weiss Ratings Not on the NAIC Grid?
I asked the NAIC for a response to this question on January 9, 2024 7:05pm,through their email portal
"Hi,
I am researching why Weiss Ratings is not on the NAIC grid? It is my understanding that Weiss does not charge for insurer ratings and claims to be non conflicted.
Thank you in advance for your response".
Here was the NAIC response received January 10, 2024:
"Only ratings from SEC recognized nationally recognized statistical ratings organizations (NRSRO) that have requested and been approved by the Valuation of Securities (E) Task Force to be a credit rating provider (CRP) to the NAIC are on the grid for translation to an NAIC Designation"
Weiss Ratings is “very close” to downgrading U.S. government debt another notch, to “C-minus” on its own scale, just a step above junk, Martin Weiss, president of the ratings group, told CNBC.
My tabulation of Weiss ratings of various structured settlement annuity issuers was not surprisingly not well received by all of the insurers because Weiss does not give the highest ratings to some companies that have high ratings from S&P or A.M Best or others. With some obligations stretching decades into the future, I personally believe that there is more gain than loss in an insurance or annuity purchase decision from having as much information a possible at your disposal.
Harsh criticism has been rained on the better known rating agencies due to the most recent financial crisis. They also came under significant criticism two decades ago during and especially after the junk bond crisis of the mid to late 1980s.
Yet insurance industry scholar Joeph Belth, author of the Insurance Forum since 1974, and professor emeritus at Indiana University shared some critical thought on Weiss Ratings in his February-March 2005 Special Report "Why We Omitted The Weiss Ratings From Our September 2004 Special Ratings Issue" (Belth had tracked Weiss ratings in that report for about 11 years up to that point).
Recognition Problem
Belth observed that few insurers had Weiss ratings displayed in advertisements, even by insurance companies with high Weiss ratings.
Belth observed that Weiss ratings were not disclosed in Securities and Exchange Commission filings by public companies with insurance subsidiaries. Contrary to the common notion that the companies omitted them because Weiss gave them low ratings, Belth surmises that Weiss ratings were not considered material information for purposes of such financial disclosures.
Perception Problem
Belth opined that the lettering system used by Weiss adds to the confusion. For example an A+ rating in Weiss is the highest rating while it is a rating down a few notches from others. How about Moody's? If a company has a Baa rating are we supposed to boo or bleat?
And isn't a "Caa" something that you pahk in "Hahvad yahd"?
independence Claim By Weiss
One of our readers, an officer at a life insurer, recently stated to me that Weiss never interviewed any of his company's management before coming up with a rating. Indeed that is the point with Weiss. Weiss claims to rely solely on public information, does not meet with company management, and consequently does not risk being influenced by management.
Belth opines that there are three problems with that claim:
Weiss obtains nonpublic information from and meets with the management of some rated companies.
Although most ratings assigned by the other rating firms reflect nonpublic information and meetings with management, the other rating firms assign some ratings based solely on public information.
The expert consensus is that the quality of rating opinions is enhanced by obtaining nonpublic information and meeting with management.
Belth also opined in the article that he thinks "the fact that the other rating firms receive money from rated companies does not significantly affect the quality of the rating opinions, especially in view of the strong competition among the rating firms".
"Hemingwayyyyy.".. if you want a copy, here's the "411":
The Insurance Forum, an independent periodical, is published by Insurance Forum, Inc., P. O. Box 245, Ellettsville, Indiana 47429. Telephone (812) 876-6502. www.theinsuranceforum.com. ISSN 0095-2923. You can obtain a free 4 page reprint of the original article by contacting them.
"The bulk of the assets in the life and annuity insurance industry are controlled by relatively strong and stable institutions, making it stronger overall than the banking industry," said Martin D. Weiss, president of Weiss Ratings, the only major rating agency that accepts no payments from the institutions that it rates.
"Although profitability in the industry fell during the debt crisis and then recovered last year, the strongest insurers remained financially healthy throughout the market turmoil. But that does not preclude future failures among the weakest, especially if the economy experiences another downturn." June 10, 2010
Life and annuity insurers (which include companies that issue structured settlement annuities) reported a dramatic turnaround in profits in 2009, earning $21.1 billion compared to a $51.8 billion loss in 2008. This improvement was primarily due to a $45 billion decrease in the amount of additional reserves that were set aside as well as a decrease in net realized losses on investments, which dropped from $50.5 billion in 2008 to $28.7 billion in 2009.
Weiss outperformed Standard and Poor's, Moody's, A.M. Best and Duff & Phelps (now Fitch) in warning of future life and health insurance company failures according to a 1994 landmark study by the U.S. Government Accountability Office (GAO) responding to the 1991-1992 financial crisis, while also outperforming its competitors in identifying the strongest insurers, according to its follow-up study using the GAO's research methodology.
According. to a leading consumer publication's May 2009 study of life insurance ratings by Fitch, Moody's, S&P, A.M Best and Weiss Ratings, Weiss Ratings (formerly TheStreet.com Ratings) "was the toughest grader with independent and objective ratings"
Most structured settlement annuities are issued by the life insurance companies which have stood the test of time.New York Life Insurance Company, for example, has been in existence since before the Civil War.
On June 10, 2010 Weiss Ratings updated its list of the strongest and weakest life insurance companies and annuity issuers. The following current and former structured annuity issuers made the list of the strongest annuity issuers. The Weiss rating for each company is shown.
Allstate Life Insurance Company B+
Amica Life Insurance Company A-
John Hancock Life Insurance Company of New York A-
Massachusetts Mutual Life Insurance Company A (former structured annuity issuer)
Pacific Life and Annuity Company A-
New York Life Insurance Company A-
New York Life Insurance and Annuity Corporation A-
USAA Life Insurance Company A
In case you are not familiar with Weiss Ratings, please note that "A+" is its highest rating
Also worth noting, there are no structured settlement annuity issuers on the Weiss weakest insurer list.
Weiss Ratings is the only one of the major rating agencies that is not paid by the company it rates to give a rating. Some say this removes a conflict of interest.
With all the brouhaha about rating agencies being paid to rate it should be noted that Weiss ResearchDOES NOT charge a fee to the companies being rated, to be rated.
Latest Ratings:
A-
John Hancock Life Insurance Company of New York
New York Life Insurance Company
New York Life Insurance and Annuity Corporation (the qualified assignee of New York Life structured settlements)
Pacific Life and Annuity Company
B+
Allstate Life Insurance Company
B
Allstate Life Insurance Company of New York
John Hancock Life insurance Company (U.S.A.)
Symetra Life Insurance Company
B-
Metropolitan Life Insurance Comapny
Liberty Life Assurance Company of Boston
C+
American General Life Insurance Company
American International Life Assurance Company of New York
Weiss Group, LLC, announced May 6, 2010 that it has bought back the bank and insurance company ratings company which it had sold to TheStreet in 2006, restoring the business to its wholly owned subsidiary, Weiss Ratings.
Unlike A.M. Best, Moodys, S&P and Fitch, Weiss Ratings accepts no compensation of any kind from the companies it rates, deriving its revenues exclusively from the sale of ratings and data to consumers and others via public libraries and the Internet.
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 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].
Top Structured Settlement Annuity Companies 2024 Which life insurance companies issue structured settlement annuities in 2024? 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 June 14, 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 2024 Ways You Can Structure Your Settlement Payments in 2024. 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 .
Structured Attorney Fees for Tax Deferral for Attorney 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 capped or uncapped index linked structured settlement annuities where payments are adjusted based on upside changes in the S&P 500 or another index, 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 in 2024.
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 May 20, 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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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)
"Keep up the good work exposing abuses in our industry - our future depends on clients being properly advised."-CD
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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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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.
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