Retiring the 4% Rule A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Content Your Changing Definition of Risk in Retirement A change in your mindset during retirement may drive changes to your portfolio. When Life Insurance Becomes Taxable Life insurance proceeds are generally tax-free. But not in all cases. Assess Your Life Insurance Needs This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.