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-"Constructive Receipt" Settlement Annuities. Not income tax free, only tax deferred, but qualify for special pricing if purchased within a short   time after settlement. Ask us for details.
-Defined Benefit Annuities
-Deferred Income Annuities
-Single Premium Immediate Annuty (SPIA).
-Indexed Annuities, for retirement or allocation from settlement proceeds.
-Longevity Risk Solutions.

-Personal and business life insurance audit and evaluation.
-Term Insurance. We can save you shopping time by quickly providing you with a spreadsheet with a broad spectrum of companies and  streamlining the underwriting process for you.
-Universal Life, Whole Life, Hybrids.
-Fund Buy-Sell Agreements for Law Firms and other professional entities
-Estate Liquidity Needs.
-Creative Uses of Life Insurance in the Settlement Planning Process
-With over 28 years of practical experience, John Darer can assist you, your client or your firm in determining your needs, the appropriate form  of life insurance and guide you though the implementation.

Personal Disability, Disability Buy Sell, Group LTD, High Level Specialty DI


Watch John Darer's Video "Long Term Care Insurance: Time To Have the Discussion"

Long Term Care is expensive and its costs are rising, Without long term care insurance your wealth can dissipate very quickly because most health insurance plans do not cover long term care and Medicare does not cover custodial care. Yet it becomes increasingly difficult and more expensive to obtain as you get older. Consider your quality of life. Even if you qualify for Medicaid many of the top facilities do not accept Medicaid. Let's begin a discussion and help you work through long term care insurance options for you and/or your parent.

  • Long Term Care Insurance
  • Life Insurance/Long Term Care Hybrid Solutions
  • Annuity LTC Solutions with Confinement Enhancements
  • Life Care Funding through Life Settlements per IRC 101(g) (CT only at this time)


Important Notice: We respect existing insurance relationships of our structured settlement referral sources

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4structures.com, LLC, The Structured Settlements and Settlement Planning Company 43 Harbor Drive, #309 Stamford, CT 06902 USA

Structured settlement, settlement planning, Sudden Money®/financial transitionist and insurance related services provided by 4structures.com LLC.
Fiduciary services, including the custody and administration of trusts provided via service partners.

Securities and Insurance Products are NOT Insured by the FDIC, nor by any other Federal or State Government Agency,
are NOT a Deposit of and are NOT Guaranteed by a Bank or any Bank Affiliate, and MAY lose value.