Annuities

4structures.com LLC offers a wide variety of annuities, in addition to structured settlement annuities referred elsewhere on the 4structures.com website, such as:

     Income Distribution and Longevity Risk Solutions

Single Premium Immediate Annuity (SPIA)

Defined Benefit Annuities or Deferred Income Annuities (DIA)

"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.

Tax Deferred Annuity Solutions

-Indexed Annuities, for retirement or as part of an allocation from settlement proceeds (EIA)

If you need the advice of an annuity expert, give us a call.

With over 40 years of practical life insurance experience, John Darer can assist you, your client or your firm in exploring and determining your needs, the appropriate form of life insurance and guide you though the implementation.

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, Key Person Life Insurance

-Estate Liquidity Needs. Can connect with premium financing options for large estates.

-Creative Uses of Life Insurance in the Settlement Planning Process

Evaluation of Life Insurance for Fiduciaries

Rescue From Whole Life Policies With Large Loan Balances



Disability Insurance provides protection against the effect of income loss doe to an illness or injury.

Short and Long Term Personal Disability, Business Disability Coverages, Disability Buy Sell, Group LTD, High Level/ High Limit  Specialty Disability Insurance  

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.

John Darer's Family Story is Compelling Proof That

 Long Term Care Insurance Works

John Darer had a frank but loving discussion with his parents about long term care insurance in August 1999, the result of which was that he wrote and paid for the long term care coverage together with a sibling,  for  more than 12 years.  In 2004 his father was diagnosed with Alzheimer's. By March 2011, his father's condition had progressed and he entered assisted living at the award winning Waveny Village  in New Canaan Connecticut, where he resided until his death.  The initial cost was $297 per day.  Good planning, following a following a family discussion 12 years earlier, enabled the Darer family to fund the cost of long term care at one of the best assisted living facilities in the United States with minimal asset erosion.  The policy paid out almost 6 times the aggregate premiums paid from August 1999 through March 2011, in benefits from March 2011 until his father's death in November 2013. 

The long term care insurance meant (1) that the family had choices;  (2) did not have to compromise on the quality of the facility and (3) could focus on the supervision of care instead of having to provide the care and self pay at full price.

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