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URL:  http://boards.fool.com/insurance-buyout-13857267.aspx

Subject:  insurance buyout Date:  12/7/2000  6:14 PM
Author:  CVragel Number:  26485 of 75335

I am not sure is this the right board for asking my question, but...
My long-term disability insurance is offering me a settlement. They pay me 410.20 per month which will last for the next 16 years, until I am age 65. The offer is for a payment of $15,717.50 this year, and the same amount next year--total. I am figuring that they woud have to pay me $78,758.40 total in the monthly disbursements as mentioned for the next 16 years. But, if I take that lump sum of cash now (which is non-negotiable, take it or leave it, $31,435.50), couldn't I invest that same amount for the next 16 years and make the same if not better over that amount of time?
I would certainly appreciate someone's thoughts on this!
Thank you kindly!
Christa.
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