I'll be taking the lump sum in a few months specifically because I have thought about mortality - a lot. Turns out it is very difficult to estimate your own mortality when you have known health issues. DW and I both have ongoing fights with cancer - successful for now but it creates an unlikely long term future. Given that multiple models show our plan could carry us through another 30 plus years and we don't anticipate making it 10, taking the lump sum will either carry us to the end or take care of our offspring quite nicely.
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The best way to predict the future is to invent it. - Alan Kay