You are the beneficiary of a life insurance policy. The insurance company informs you that you have two options for receiving the insurance proceeds. You can receive a lump sum of $50,000 today or receive payments of $641 a month for ten years. You can earn 6.5% on your money. Which option should you take and why? you should accept the payments because they are worth $56,451.91 today. you should accept the payments because they are worth $56,523.74 today. you should accept the payments because they are worth $56,737.08 today. you should accept the $50,000 because the payments are only worth $47,757.69 today. you should accept the $50,000 because the payments are only worth $47,808.17 today.