Would the 4% SWR apply to life insurance proceeds? That is, if I left a pile of money when I died, and it was invested in a diverse portfolio, would Mr. Marvie technically be able to withdraw 4% per year over the same 30 years horizon? I'm pondering this myself, as I'm about to hit the point where FEGLI through work is no longer a good idea financially and I should switch providers, but I'm trying to figure out how much insurance we actually NEED. We're in a different situation, since we don't have real estate or debts, but I'm the sole wage earner. So I'm most concerned with income replacement.