What They Said About Us

What They Said About Us

4structures Reviews and Testimonials

About the work of John Darer CLU ChFC MSSC CeFT RSP CLTC

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WHAT THEY SAID ABOUT US

Verified Structured Settlement and Settlement Planning Clients and Pro-Bono

"Thank you for providing such a wonderful blog. I found it to be the best single-source of information available on the internet".   August 14, 2023 J.P., email to 4structures.com LLC President John Darer.


"When it comes to explaining structured settlements to lawyers, clients and judges, there is none better that John. As an attorney looking to do the best for my clients this means tailoring the recovery i.e. the structure, in a manner personalized for the client. John has the patience and diligence to help most lawyers turn a good recovery into a great one". June 21, 2023 M.C., New York Medical Malpractice attorney on LinkedIn



"4Structures.com Customer Support Earns Excellent Rating. Resolving 100% of reviews, 4Structures.com showcases exceptional dedication to customer satisfaction, investing in resources and prioritizing concerns. This rare achievement boosts loyalty, reputation, and proves the company's commitment to going above and beyond". Review site 2023


"It was such a pleasure speaking with you today, you really are a God sent. I truly mean it. Thank you for your time and your kindness"
  April 4, 2023  John Darer provided pro bono assistance to minor's guardian.


"John was very gracious with his time in listening to my issue. He did not rush me or make me feel like I was being deferred. I am very grateful John".  March 16, 2023 (BBB Review)


."John D. is an excellent source for questions and answers. He is extremely knowledgeable, kind, and patient. Without any hesitation, I highly recommend him if you should require any assistance".  S.G. (BBB Review) January 21, 2023 


"Thanks so much. Clearly appreciate your passion and persistence"  January 20, 2023


"I am so grateful to have connected with John when I needed help with a structured settlement issue. His advice and guidance were invaluable to me, and he took the time to explain everything thoroughly and ensure I understood. I couldn’t have resolved the issue without him" January 6, 2023  John Darer provided Pro bono assistance.


"Thanks, John. It was a pleasure working with you. Looking forward to the next one"  November 18, 2022 NJ lawyer, member of MIllion Dollar Advocates Forum, after concluding their first case with 4structures.com LLC.


"John D. He was very understanding and patient with my issues with the settlement. He suggested several alternatives and strategies to think about. Additionally, John went through an enormous amount of information on my payment which I did not have prior knowledge of. It was informative and comprehensive. I would recommend John and utilize his services with confidence". October 21, 2022  John Darer provided Pro bono assistance


".John Darer at 4structures.com is very pleasant and inviting to talk with. He has a wealth of knowledge, empathetic to others needs, and passionate about his job. I contacted John and explained my concerns, and John jumped right in and handled my concerns by making the necessary calls for me, and was able to solve my issues in a short amount of time. He treated me like I was part of his family even though he doesn't know me personally. He put me at ease, I felt safe, and in good hands with John. He was professional throughout my phone call with him. He solved my problem/concerns without ever charging me a penny".  October 19, 2022 D.S.  (BBB Review)


"I’m so happy to write this 5 (star)review. John Darer was so helpful and understanding of my situation.   I knew nothing about structured settlements and was so anxious because there seemed to be so little time between reaching a settlement and needing to have a plan in place with what to do with money. But after speaking with John and reading the information he provided I was able to make an informed decision about what to do. I highly recommend John for assistance with getting a structured settlement.  Not only is he extremely knowledgeable but he is people friendly and is able to communicate so well and is so gracious with his time. He responded in a prompt and reasonable manner to all of my calls and emails and answered all my questions in way that I could understand.  The financial world has a whole language of its own which I did not understand well.  You need someone like John in your side." August 31, 2022 M.R.  (Google Reviews)


"John is an amazing person. I called John, out of the blue, regarding getting some advice on solving a structured settlement problem. Immediately, he called me, and provided unique and valuable solutions. He donated at least a 1/2 hr of his time. Further, due to the situation, he stood to have zero chance to gain from his help. John is just that kind of person - looking to share his knowledge and help people. I trust and value John before anyone else in settlements, annuities, and insurance". 

S.W. August 23, 2022  (Google Review)


"John Darer is absolutely the BEST!  I've been in a Structured Settlement conundrum in Texas, and John Darer has provided me with much sound Broker advice and knowledge.  On top of that, he is there to go above and beyond for help as the Structured Settlement Watchdog!  God Bless you, John Darer!"  V.V. May 6, 2022 (Google Review)


"John is very knowledgeable in all of his areas of expertise. I was without a doubt extremely happy with the service I received from John. I had a lot of initial anxiety prior to speaking to John but he managed to calm me down within minutes and made me feel like I knew I made the right decision by contacting him for help in regard to my situation. He is very professional and is willing to make it easy to understand all about structured settlements and annuities. I feel blessed and I’m very grateful for everything he did for me. He kept it real all of the time. I highly recommend his services to anyone who is need of quality services" P.E. April 27, 2022  (Better Business Bureau)


"John is simply the best! Called for a question, and he talked to me and helped me understand so much about Structured Settlements like a guardian angel! Thank you, John!"  V. April 15, 2022


"Thank you very much for all of your time, advice, expertise in all things workers comp, and most of all your compassion and understanding for which I desperately needed during our talks! Although I still have a long way to go in his never-ending saga, it is nice to know I can pick up the phone to call and receive advice (sincere) without worrying which side of the battle you're on.  Your calls have been invaluable."   February 28, 2022


" Thank you. Ur a rockstar..."  K.C.  July 20, 2021


" You're the absolute BEST!!!! THANK YOU".  K.B.  March 19, 2021


"I called 4structures.com because I had a lot of unanswered questions and concerns regarding my annuity contract and payments. Mr. John Darer took the time and thoroughly answered all of my questions about the discrepancies in my original signed structured settlement case (written by another broker). Also Mr. Darer gave me some great advice about a life insurance policy that my deceased father who didn't write a will, left my siblings. Mr. Darer vast knowledge of an annuity and insurance companies are undeniable. I will strongly recommend 4structures.com to anyone seeking advice about their annuity and insurance policies".  C. B-D.  January 4, 2021


" You were patient, you listened when the others talked too much"   December 19, 2020


" You're a kind soul buddy... Keep doing what you do man" A.S.  December 11, 2020


"Thank you so much again for all your help and guidance to what seemed like such a confusing situation. You really brought so much clarity to this whole process". Florida client A.C. December 10, 2020


"You have a wonderful blog" Partner in Philadelphia law firm August 30, 2020


"John Darer is another respected structured settlement consultant who writes the industry’s all-important “Watchdog” blog" Dennis Beaver, Esq. You and The Law Structured settlements remain excellent for accident victims August 20, 2020


"Impressive Blog" -Counsel to Am Law 200 ranked International Law Firm July 22, 2020


" I;m writing this to thank you from the bottom of my heart, for helping me... Next time you look in the mirror see if you have wings, because that's what you are to me, an "angel".  If it wasn't for  you I would not have got my tub & mattress. You know it means so much to me to know that there are good people like you. After talking to you, I looked in the mirror and I saw the biggest smile on my face. It has been a long time. Thank you! Thank you! Thank you!" D.E. March 31, 2020 Workers' Compensation claimant who John Darer helped quickly navigate roadblocks that had prevented her from getting what she needed to help ameliorate the extraordinary pain from a long-suffering back injury.


"4Structures - Excellent experience 5 Stars 

I had nothing but a wonderful experience with Mr. Darer. Mr. Darer explained everything to me in a layman's term so that fully understood what I was getting into. Mr. Darer was very professional and always returned my calls efficiently. I would definitely come back to 4structures if ever in need. Thank you" 

March 25, 2020  Lawann B.


"Thank you John. You are the best!!!!"  February 18, 2020  Brooklyn New York trial lawyer


"I worked with John Darer on a complicated Insurance issue. He was able to clearly explain the issue to me and solve my problem. I find him to be extremely knowledgeable about insurance and financial issues. I also find him to be very patient and understanding. It was a pleasure working with him".  January 2020 D.M. 5 Star Google Review


"John Darer, a respected structured settlement consultant in Connecticut who writes the industry’s “Watchdog” blog, has chronicled examples of people who took large sums of money after an accident settlement only to see it all disappear because of family and friends with their hands out for loans that were never repaid. 

Darer’s blog is an important source of information and documents..."  Dennis Beaver, Esq. Bakersfield, CA October 14, 2019  Article in Kiplingers


"John's knowledge of structured settlements sets him above the rest. John was able to answer my questions and provide me with more peace of mind and knowledge than I could have hoped for" Ken F. July 29, 2019 Better Business Bureau Review


"I couldn't believe how simple he made this process, when teams of other lawyers and account(ant)s had failed.  If you have any issued related to structured installment sales, John is your man. He is very likely one of the top experts in this field in the country, and he's incredibly affable, generous with his time, and offers unparalleled care and service to his clients".  April 4, 2019 Google Review


"Am very happy to have found you and appreciate your "roll up your sleeves" approach and thoroughness. After dealing with other people, who really had no interest in providing me the best options or even options that were suitable for me, you are truly one of a kind. Thanks so much"  November 26, 2018 


" John Darer is an expert who pays attention to all the details. One would be foolish to settle without John’s knowledge, advice and help. He is a real talent and a major asset who will contribute to the max to your situation. John cares about what you think, what vehicle might best serve you, and how to tailor a solution to fit your personal situation. John was the only person on my side who was 100% was working on my behalf, without any concern about what might serve his own interests. John put in the maximum effort and time regardless of the limited benefit to his person. Fourteen years after John helped me select and set up a suitable and beneficial structure, I had some questions and concerns. John returned my call the same day. The following day John spent several hours making sure I was provided answers and documentation to somewhat opaque matters with clear explanations. You won't find a better specialist October 16, 2018 Client, since 2004, on LinkedIn


"You are one guy who I respect!  You have the courage to tell me if I was off the mark, and even if we disagree, knowing you all these years has been an absolute honor. More than that, you are such an interesting person to talk with - about anything".  October 9, 2018  California personal injury lawyer, author
 

" John D. was extremely patient and understanding of my settlement challenges. He provided many options and strategies for me to consider. Also, John went through an extensive amount of information about my settlement that I had no prior knowledge of which was educational and sufficient. I would recommend John and use his services for sure. CG Washington DC 5*  August 29, 2018 Yelp Review


"As a medical malpractice claims professional, I had a pleasure of working directly with John on many complex and high exposure medical malpractice cases. John has always been a dedicated and hardworking individual who truly cares about his clients and his work. John has a very welcoming, friendly, professional and personable nature, who works with integrity to provide his clients with superb financial advice and guidance. John’s up to date expertise in the structured settlement sector creates a trust that is rare to find. His dedication to clients and business excellence sets him apart and I would highly recommend John to anyone wanting to achieve better financial outcomes structuring settlements". May 2018 [ from LinkedIn]


"It is with the utmost respect & appreciation for John Darer that I share this with you. His expertise, professionalism & integrity has helped my husband & I in a tremendous way that we will never forget". Pro bono Structured Settlement Watchdog client  February 2018  [from Linkedin]


"You are the most knowledgeable individual about this topic (non qualified structured settlements) that we have spoke with to date" January 2018


"John is a brilliant and innovative guy and has become a good friend over the years. He is on the cutting edge of the structures business, but he knows how to talk to your clients, if necessary, and he knows how to deal with our opponents and their annuitists, if need be. He can do anything and everything in my experience" Chicago trial lawyer December 2017


"After meeting with and allowing John Darer to handle my settlement, I found that he was absolutely the perfect man for the job! He explained everything in detail, and never once did he leave me confused about what would be happening to my money. I trust him in all things pertaining to money matters, and I call him whenever I have a question about my finances. He is the real deal".  Client August 2017  [Google Review]


"John is an authentic financial services and structured settlement industry expert who demonstrates integrity and caring for everyone he serves. His dedication to fairness and justice has a mad a difference. John's advocacy and support has spawned revisions to existing state structured settlement protection acts. He is a "best in class" professional who you can turn to when you need settlement and financial expertise"  Company executive 2016 [LinkedIn]


"In today's day and age it is rare that you actually find people who are willing to go the extra mile"   Client 2015 [LinkedIn]


" John is absolutely top notch and is a subject matter expert in his field. He is a pleasure to work with, wise and creative" Aviation Attorney 2015 [LinkedIn]


" John, I can't thank you enough for assisting me with my Structured Settlement Dilemma. You took the time and made my case a priority. Your expertise and knowledge allowed you to be an advocate for me as I was struggling with a big insurance company and getting the run around. Knowing you were in my corner, supporting me, gave me faith that the matter would be resolved fairly. I don't think you would have accepted any other outcome. You were a huge help, and I am truly grateful".    T.C.  April 4, 2015


"Thank you for putting yourself out there and educating the public about our current financial situation. I appreciate it very much" -email from ELNY victim August 26, 2014, after viewing an August 21, 2014, NBC News 4 New York featured segment on Executive Life of New York and how the ELNY liquidation has affected ELNY annuitants Glenn Arendsorf and Eric Rabinowitz. both of whom had their benefits cut by over 50%. Hosted by then NBC News Anchor Tom Llamas who interviewed 4structures.com LLC President John Darer, of Stamford CT,  and Greenwich CT attorney Edward Stone.


"Dear John Darer, I really appreciate you taking the time to write me back with the information.

In fact I am surprised that you responded, most people would not bother. So again I thank you". D.S-H  April 18, 2014


"Dear Mr. Darer,  While searching for updated information about structured settlements, I came across your website and was blown away by the wealth of information that you provided about this industry. Thank you so much!

I got frustrated with not only trying to find updated contact information for my annuity holder but I was scared when I discovered that they got out of writing structured settlements. I immediately thought to myself, my money is gone! So, I took to the web and found your website and your videos and other helpful links which ultimately put my mind at ease.

What really put my mind at ease was when you personally returned my phone call and took the time to reassure me that my insurance company is in it to win it , and that I should worry no more. A true professional. Keep up the excellent work. Thanks again! 4 Structures.com worked 4 me!  Sincerely,  L.C."  June 28, 2013


" John is by far and away the best structured settlement consultant I have worked with in over 30 years in medical malpractice" Med Mal Attorney, 2012 [LinkedIn]


"You are a man of character and integrity, and I greatly appreciate your work" ELNY annuitant "May 8, 2012.


"Mr. Darer determined that plaintiff's economist relied on the old CPLR Article 50-A statute and should have applied the amendments which were effective July 2003. Plaintiff's economist has since revised his original calculations. We have determined that Mr. Darer's advice saved approximately $1.1 million, as the revised figures are significantly lower than the original calculations."  Medical Malpractice Attorney, 2010


"Thank you for being a strong advocate for integrity in our business" K.L., an industry colleague and competitor from Florida


Last updated August 15, 2023


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