Investing in Structured Settlements 2025 | What You Need To Know 888-325-8640 4structures.com

John Darer of 4structures.com LLC, a New York City metropolitan area structured settlement expert, reviews structured settlement receivables investments and suggests you be very careful when considering investing in other people's structured settlement payments or advising vulnerable investors to do so.
What are structured settlement receivables?
1.The first thing to know is that structured settlement receivables ARE NOT annuites.
2. Structured Settlmeent Receivables are other people's structured settlement payments that they have sold for pennies on the dollar and may be marketed to individual investors, including to vulnerable seniors as annuities for CD replacements.
3. Larger companies like JG Wentworth are often securitize their receivables and sell them to institutional invetsors their receivables.
4. But, again, the biggest caveat to individual invstors is that structured settlement receivables are not annuities or insurance products at all. An annuity is an insurance product under the laws of most states.
There is a distinct difference in how structured settlement receivables and those that sell structured setlement receivables to investors are regulated (or not regulated in the case of merchants of structured settlement payment rights) . There is a shocking lack of regulation. Be very careful. They may or may not be suitable.
CRITICAL and POTENTIALLY ALARMING
One critical and potentially alarming area that should be known to both existing investors and potential investors in structured settlement receivables, in the 80% of USA states which have adopted the 2017 revisions to the Life & Health Guaranty Asssociations Model Act (#520). The Model Act expressly excludes acquired structured settlement payment rights (receivablother people''s structured settlement payments). The retroactive nature of the Model Act's provisions means that investors with existing investments in factored structured settlement receivables are vulnerable in event of insolvency.
You also need to watch out for purported receivables from athletes and agents of athletes that are marketed as annuities. They are not annuities.
John Darer is a structured settlement expert and structured settlement watchdog. In this video John Darer reviews what to watch out for before investing in other people's stuctured settlement payments and provides a thoughtful must see guide for unwary investors. contemplating investing in other people's structured settlements is not without risk emphasizes that such investments may neither be suitable for vulnerable retirees and personal injury victims.
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Description last updated January 4, 2025
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