<prompt> Human: Update: It really is a benefit for the rest of our lives with no expiration, so we will go with that option. It doesnt seem like inflation-protection is available, but the returns should cancel out the de-valuation in the future.My father has passed and was a public school teacher for the system in Georgia. They are offering my brothers and I a lump amount of 31K per person vs. a monthly lifetime benefit of 747 per person. The monthly benefit seems to be the Immediate Fixed Annuity We are all in our twenties so the value will diminish over time with inflation, however if the monthly benefit is invested in a standard market fundETF the future value would assuming historical averages addl 40 yr lifespan exceed expected inflation and produce a larger return than the lump sums long-term potential.Im not very familiar with the fixed annuity so Im wondering if I am missing any key pieces of information to know of. I understand any commentary provided is not legal or financial advice to act on.TLDR: In 20s, Take Lump or Monthly re-invest in market?Lump - 31,402.25personLifetime Monthly Payout: 747.35  <response>: Im sorry, provided you live for 60 more years, your honestly contemplating taking a one-off payment of 31,402.25 versus 537,840???Sorry for your loss by the way. 