I was recently contacted by my insurance company concerning a lump sum settlement. She stated right up front that what they were offering me was their bottom line. Is this a tactic they use to scare me from asking for more in my settlement? They are offering me well below half of what I would draw over the next 19 years. She also said they use a formula and that I was getting 68%. I haven't a clue what that means. Help please. :?