They won’t give you a direct answer or advice because they are not qualified to do that. You need a sophisticated financial planner with software to evaluate the offer. I think this is the perfect time to get one of those — a FEE-ONLY Fiduciary planner who is on your side, not trying to sell you something.
I urge you to read this article on my website to make sure you get matched with the right person. If you have any questions, please write back.