if you did your own exhaustive accounting you would find that the most appropriate method of cashing out is via the lump sum actually many people freak out about the world even existing 30 years from now but you would be making an investment in the future...so many would cash out mega and lose out on half an annuity !!! that is a LOT !!! you could live on your own annuity system or give in to the lotteries and lose most of your controlling interest over to an annuity fund that keeps paying out for 30 yrs ! u could demand they pay you on a daily annuity of roughly $56K CAD per day citing spendthrift clause due to payout that amount for 10,095 days