That just doesn't make sense, to me.
What's the 5 mil doing when you die?
If you get hurt, the doctor's and hospital get's your 5 mil. Oh, the lawyers get half.
5k per months is peanuts! I'm a homeless person. My g/f makes 8k a month, and we have little to show for it.
I'd say, it's warranted to live on 20k a month.
Heck ROMNEY makes that plus another half.