This answer is from Should I let $500,000 be a structured payment over life expectancy OR should I take a lump sum of $500,000 and open a CD?
Ari Weinberg said
If it's for your son, I would imagine that these assets would be held in trust. Does the trust dictate how they are to be allocated. And when you mention life-exptectancy and malpractice, are there other issues to be considered? If you are able to get $500k tax free upfront, then by all means do. But this sounds somewhat improbable because that is way much more than $500k over time.
