The best replacement for lump sum is pension.

The best alternatives to lump sum are rated as following:
★★★★★  pension
★★★★★  annuity
★★★★  payments
★★  annual payments
★  gmp
★  monthly payments
★  annuity pension
★  dollar cost averaging
★  dca
★  monthly pension
★  pension calculator
★  annuity lottery
★  unit price
★  lump-sum
★  structured settlement
★  installments
★  per unit tax
★  annuity for lottery
★  alimony
  annuity powerball
  gmp contract
  time and materials
  regular pension payments
  26 annual payments
  fixed fee
  time and material
  annual payments pension
  annuity lottery winnings
  annuity mega millions
  annuities
  annual payments lottery
  higher pension
  annuity payments
  t&m
  payments lottery
  salary continuance
  fixed price
  payout
  income stream
  not to exceed
  cost plus
  annuity payment

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Google Trends

Scale is based on the average worldwide traffic of lump sum in all years. Click on graph for more.
lump sum
pension
annuity