-"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)

-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

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.

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