Prudential Structured Settlements "Can-Do"
John Darer • July 17, 2018
Prudential Rated Ages Are Good For 12 Months
Life contingent structured settlement payments are cheaper if you have a rated age. It can also be said that each settlement dollar going to pay for lifetime medical needs goes a longer way with a rated age.
What is a rated age?
A rated age
is an opinion from a life insurance company underwriter that is used to price life contingent structured settlement annuities, or structured settlement annuities where at least part of the payments are life contingent.
Rated ages are useful in pricing out the cost of a life care plan for a plaintiff with catastrophic injuries. In New York, rated ages help give a realistic cost projections when analyzing damages under CPLR Articles 50A or 50B. Rated ages can be helpful in determining the cost of funding the future portion of a Medicare Set Aside arrangement
.
Some structured settlement annuity issuers already extend rated ages for 12 months while others only allow 6 months. The latter requires resubmitting medicals every 6 months. Extending the time frame is a better solution that removes the "squeaky wheel" in one of the moving parts in the structured settlement process.
The Prudential Insurance Company of America, part of Prudential Financial, is one of the oldest life insurers in the United States, established in 1875, in Newark NJ. It is the largest life insurance company in the United States in terms of assets (2021).
John Darer reviews qualified assignment best practices. It starts with an understanding that a qualified assiignment is an "assignment of a liability to make periodic payment as damages" of the charactaer described in IRC 130(c) and IRC 104(a)(2) or IRC 104(a)(1)
John Darer reviews Weiss ratings. Weiss ratings became the first insurance rating organization to issue independent financial strength ratings for life and health insurance companies.
The Allure of "Convenience" is a Tax Trap . QSF Qualification is not a single moment in time, but rather a continuing obligation to operationalize all the requirements, as well as those required for creation.
A Qualfied Assignment Release and Pledge Agreement (QARP) is a type of qualified assignment that gives a structured settlement payee a security interest in the qualified funding asset pursuant to the Uniform Commercial Code (UCC).
It bears remembering that, prior to 1975, children in the USA with intellectual disabilities, physical disabilities and even sensory disabilities were not guaranteed access to a public education.
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The 4structures.com website is one of the most comprehensive structured settlement resources, particularly for those who want detailed, expert-level information, according to Google AI
Based on Grok's review of prominent sites as of August 2025, 4structures.com (including its associated blog at structuredsettlements.typepad.com) stands out as the most comprehensive. Run by structured settlement expert John Darer, it offers detailed guides, and specialized insights
