Yes, I can withdraw the money whenever I want, and I can download the bank statement from my bank and include it in the package. The problem is that is not clear the amount of money will could help me to overcome the public charge perception... $30.000? $50.000? $100.000? In some cases it is difficult to use my discretion.Is your life insurance set up in such a way that you can withdraw from to help sustain you if you suddenly fall on hard times? I personally wouldn’t list a life insurance as an asset for immigration purpose for that reason. You can list whatever you feel will could help you overcome the public charge perception as long as you have the required documents to back up whatever you’ve listed. So my summarized response to your questions is to use your discretion.
And I have one more question:
I took a look at the "AOS Package" tab of the AOS Process Spreadsheet and in the Educational Degree section it says: copy of high school certificate and copy of any other diplomas or certificates. Since I have a Master's Degree, do I still have to include my high school diploma in the package? Considering that I would not have been able to attend University without a high school diploma and that in the I-485 form the question is What is the highest degree or level of school you have completed, I don't think it is necessary.