HUD Save & Exit Submit As the beneficiary of a life insurance policy, you have two options for receiving the insurance proceeds. You can receive a lump sum of $200,000 today or receive payments of $1400 a month for 20 years. If you can earn 6 percent on your money, which option should you take and why? Multiple Choice O You should accept the payments because they are worth $209.494 to you today You should accept the payments because they are worth $247,800 to you today O You should accept the payments because they are worth $336,000 to you today. O C) You should accept the $200.000 because the payments are only worth $189,31 to you today O O You should accept the $200,000 because the payments are only worth $195.413 to you today