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Question 5 (1 point) 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 $140,000 today or receive payments of $1,000 a month for 30 years. You can earn 7 percent on your money. Which option should you take and why? You should accept the lum sum of $140,000 because the payments are only worth $15,445 to you today You should accept the payments because they are worth $150,307.57 to you today. You should accept the lum sum of $140,000 because the payments are only worth $119,311 to you today You should accept the payments because they are worth $336,000 to you today