Good time to take pension lump sum offer with interest rates being high right now?

Good time to take pension lump sum offer with interest rates being high right now? My former employer offered me an option to take lump sum of $20K now or keep the pension plan which will be $375/month (no adjustment for inflation). I am 45 years old. I have done some math to help me decide... I can see that it is a fair offer considering the high interest rate we have right now. Assuming life expectancy of about ~14 years aft...

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