Andrei S. is the beneficiary of a life insurance policy. The insurance company informs Andrei that he has two options for receiving the insurance proceeds. He can receive a lump sum of $95,500 today or receive payments of $1,000 a month for ten years. He can earn 4.5% on his money. Which option should he take and why? Andrei should accept the payments because they are worth $96,489.32 today. Andrei should accept the payments because they are worth $95,886,30 today. Andrei should accept the payments because they are worth $97,204.58 today. Andrei should accept the $95,500 because the payments are only worth $94,880.26 today. Andrei should accept the $95,500 because the payments are only worth $93,745.62 today