I can not find anyone to give me a straight answer as to what it will cost me. I get an in general 20% but no set figure. There are several (Farm Bureau, 1st Citizen's bank, ect..) that want the business. My thinking is it depends on the total you will receive. A 10,000 a year income for 10 years is worthwile but a 750 dollar a year for the next 10 would not be. I think if you get less than 10,000 all total, take the lump sum, build a shed, buy a cow, pay off credit card or take the wife to cancun. 8,000 or so dollars can do something in a lump but not hardly fill the truck up with fuel when spread out over 10 years.