Over 40 years of insurance experience you can rely on
John Darer, the President of 4structures.com LLC, has 40 years of experience and expertise in insurance planning. John is a Chartered Life Underwriter and Chartered Financial Consultant, Certified Financial Transitionist, is Certified in Long Term Care and is a member of the National Association of Insurance and Financial Advisors / Society of Financial Service Professionals.
Through Crump Insurance Services, a national brokerage network, we are linked to insurance products issued by approximately 100+ highly rated insurance companies across a variety of lines of business, which can be used to meet the insurance needs of our clients. Life insurance, annuities, long-term care insurance and solutions, disability insurance, and impaired risk.
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.
-Indexed Annuities, for retirement or as part of an allocation from settlement proceeds
If you need the advice of an annuity expert, give us a call.
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
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 for them, together with a sibling, for more than 12 years. In 2004, John’s 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.
The initial cost of Assisted Living at Waveny Village was $297 per day. Good advance planning, following a 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 long term care policy for John’s father, 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.
Watch John Darer's Video "Long Term Care Insurance: Time To Have the Discussion"
Let’s begin a discussion and help you work through long term care insurance options for you and/or your parent(s).
