 Well, when you take it out over 10 years, it's $100,000 of extra income per year that you have to put on your taxes. So that may not boost your retirement. That may actually put you in a tougher spot. Now, if you're inheriting life insurance, good news is that that death benefit is tax-free. So you do not see an increase in income from proceeds or inheritance from life insurance. Roth IRAs.