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Congressional Brief: Retirement Accounts and Policy Recommendations (PDF)
National Center for Policy Analysis [NCPA] 
[Opinion] Apr. 23, 2015
"[L]onger lifespans -- and the need to draw from retirement savings for more years -- increase the risk of outliving one's retirement savings. Encouraging 401(k) plans to offer a lifetime annuity as the default payout option at retirement would go a long way toward addressing this potential problem.... We need a level playing field that treats all savers equally.... Simplify and unify the many retirement savings vehicles by creating universal Roth IRA."
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