About 4structures.com, LLC

ABOUT 4STRUCTURES.COM LLC

A Tree of  Knowledge to Share

Along with Experience, Skills, Competence and a Humanistic Approach

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4Structures.com Settlement Experts

Structured Settlement Expert

About 4structures.com LLC


4structures.com® LLC is an A.M. Best Client Recommended Settlement Expert Service Provider and settlement planning company. We provide guidance through the critical financial decisions that can affect parties to settlements, and we do so by tapping considerable experience, skills while using a humanistic approach and process.


A Tree of Knowledge With Many Branches


4structures' John Darer strives to be one of the structured settlement and settlement planning industry knowledge leaders and is one of the settlement industry's most passionate and prolific writers, content creators and publishers, covering many topics.  John Darer has over 40 years of financial services experience, with over 30 years of specialization in the structured settlement and settlement planning space. John Darer is passionate about lifelong learning and enjoys sharing his knowledge.


Whether directly or through communities of practice 4structures.com LLC is a resource and a gateway to a host of settlement planning, financial planning and insurance services. Regardless of where you stand, by utilizing us as your centralized information resource you can save time and energy.


4structures.com LLC is proud to offer its services as a structured settlement expert. With a structured settlement we co-create your structured settlement with your input to cater to your needs, so you can receive part of your settlement in steady scheduled periodic payments.  We know structured settlements and a whole lot more. We are dedicated to serving clients who engage us as settlement experts.  We are engaged by trial lawyers, claims personnel, mediators, risk managers, London Market, and other financial and legal professionals, to effectively help design, negotiate and implement settlement solutions that are appropriate to the scenario for which we are engaged. Click here for settlement planning expert services menu for plaintiffs and trial lawyers. Click here for settlement consulting expert services menu for claims professionals, insurers,  government agencies and  counsel.. Either way our humanistic approach honed through Mr. Darer's certification as  a Certified Financial Transitionist, a credential unique to only two individuals in the structured settlement and settlement planning industry, in-depth analysis, comprehensive settlement planning advice, tenacity and knowledge of simply how to "get it done" gets results.


The 4structures.com, LLC web site has a wealth of searchable information and perhaps the structured settlement industry's most comprehensive glossary of structured settlement terms, words and phrases, including terms for settlement planning, financial planning, deferred compensation and other terms  relevant to settlement issues facing our clients, prospective clients, and their lawyers.


There is search functionality at the top of every web page on the 4structures.com, LLC website. If you are a member of Facebook click here  to visit 4structures' Facebook page and become a fan.


4structures.com® LLC is also a provider of periodic payment reinsurance (“reinsurance structured settlements”), terminal funding contracts , and life and viatical settlements (where licensed). In addition, we provide annuity and non annuity based deferred periodic payment solutions such as structured installment sales, structured celebrity and athlete endorsement fees and divorce settlements . With structured sales, buyers and sellers of business interests or real estate entering into buy/sell transactions in the USA that qualify as installment sales under IRC§453, may use the structured sales method to secure the cash flow and provide a more creative customized cash flow design than under a regular installment sale. 4structures.com, LLC also offers divorce structured settlements as a creative means to secure payment obligations in a divorce where the paying spouse has sufficient capital, and structured celebrity endorsement fees, an effective deferred periodic payment solution for athletes, actors and actresses, models, authors and other celebrities.


4structures.com, LLC provides ancillary insurance services to tort victims, attorneys and other entities. Some of those services include life insurance, impaired risk life insurance, disability insurance, long term care insurance and other life care funding solutions for long term care, joint life second to die life insurance.


4structures.com, LLC primarily serves accounts throughout the United States and international clients on their risks in the United States. However, some consultants may serve clientele in other international jurisdictions.  John Darer worked on what is believed to be the first structured settlement concluded in Argentina.


In the settlement arena, with a broad geographical presence, through our affiliation with Summit Structured Settlements and through proprietary quoting technology that quickly identifies a structured annuity issuer’s ”sweetspot” for segmentation/diversification of benefits.


We welcome any feedback that would help us further understand your needs and help us to serve you better.


4structures.com, LLC accepts referrals from other licensed financial professionals, firms and financial advisors on a case by case basis. We respect your client relationships on referrals where there is overlap in the insurance services area.


4Structures.com®, LLC will consider project specific joint ventures and strategic alliances with other financial advisors, settlement professionals and firms with complementary skill sets and credentials.


Let us be your source 4structures®, whether that be structured settlements of any type of legal settlement, structured attorney fees, or structured installment sales.

We Know Structures
We Know Settlement Planning®
We Know Structured Sales®


In MA, also known as 4structures Insurance Services

In CA, also known as 4structures Settlement Insurance Agency, OF19785


Last updated January 15, 2024

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