I'm going to start off by first tossing out the (1)aging, (2)sleep, and (3)free ride options because (1)a possible additional ten years of life isn't substantial to me if I'm going to be spending it as I do life now, (2)I love sleep and would never give it up, and (3)the idea of free travel is only appealing if I were to become some magical hobo that did like...miracles and stuff.
The galactic tour would be a viable option if the terms were altered. Going around the galaxy in one month is a ridiculous notion seeing as how the Milky Way is (last I checked) thought to be 100,000 light-years across. Just to get to the other side and back (read: straight line) in a month would mean you'd have to travel ~6000 light-years in a day. Definitely not enough time to do anything useful unless I liked watching to stars flash by from a distance...and let's not even start on the effects of time and faster-than-light travel [http://www.escapistmagazine.com/forums/read/18.124739]. If this were to be, say, that I was given a starship to travel the galaxy at will, on my time, I'd be all for it. I'd have it look like the Millennium Falcon and dress as Han Solo as I made insane amounts of money carting scientists and tourists around the galaxy...assuming the world's governments don't try to confiscate my craft as soon as I land. Those greedy bastards.
So, until this poll lets me live my dream of being a galactic tour guide, I'm going with the money. Seeing as how the choices can be equated to winning a lottery and choosing an annuity or a lump sum, I'll take the lump sum. Assuming '1 million dollars' means ~$1,000,000USD after joining the 35% tax bracket and paying those taxes, I could easily take 1/10th of that to spend on my current needs/wants and use the rest to make more money and ensure my financial survival in case the Dollar ends up dead sometime soon.