Structured Settlement Yields Continue to Improve
John Darer • October 8, 2018
Stimulus Leads to Gradually Rising Rates Highest 10Y US Treasury Since 2011
Bloomberg reports that " the past week may be the one that blew the lid off yields in the world’s
largest bond market, with the 10-year benchmark climbing the most in
almost two years Wednesday and the selling pressure showing little sign
of reversing since. Traders are responding to a seemingly critical mass
of evidence in favor of higher rates, including near-record service
industry growth, and a 48-year low unemployment rate".
Increasing yields on short duration bonds are making shorter duration structured settlements more viable for all types of damages and for structured installment sales
The 10 year US Treasury is currently at a 3.23% yield and the long bond at 3.4%. The rising 10 year rate impacts plaintiffs in New York because any increase serves to reduce a significant advantage in calculating the net present value of future damages under Article 50B judgments and applicable interest, that has existed for more than a decade. The addition of 4% built into the statute has been greater than the statutory growth rate, resulting in a net growth rate during this time frame.
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
Retained asset accounts for life insurance beneficaries, are temporary accounts that earn interest, give you time to breathe and give you time to figure it out.. Retained asset accounts are pay nterest from the date of death to date of settlement of the claim as a general practice,
How to avoid a "Knuckles Sandwich" when entering into settlement of claims or lawsuits involving taxable damages, or elements of taxable damages. What is the intent of the Payor? What happens if the intent of Payor is not clearly set forth in the settlement agreement?
Structured settlement annuity issuers have stood the test of time, which is crucial if you're depending on them to pay you stable income for a long time or the rest of your life or pay your beneficiaries . For Structured settlement annuities . Call John Darer at 888-325-8640
While rising yields have narrowed the gap for defendants in New York CPLR 50A and 50B projections, plaintiffs can still " fly inverted" and get plenty of "lift" when negotiating settlements by using savvy settlement experts
The cap rate on index linked structured settlement annuities is a limit set by the insurance company on the maximum interest rate that can be credited to the annuity based on the performance of the underlying index that also helps provide the downside prtection..
Do your financial resources give you enough road, or will the road run out before you do? A structured settlement annuity helps mitigate the risk of outliving your savings, no matter how long you live. A structured settlement can inlcude one or more customized payment streams and types.
USAA Life Insurance Company, an A++ rated insurance company, issues structured settlement annuities with 1%, 2% and 3% COLAs. USAA Life structured settlements are exceptionally compatitive on lifetime benefit payments with long duration certain periods for ages under 35.
Owners of highly appreciated NY businesses or NY real estate may benefit from a structured installment sale tax deferral program as an alternative to a 1031 exchange. MetLife's structured installment sale program is now available in NY and in all 50 states. Call 888-325-8640 for more info
