112 pages. "This Article considers how changes in the laws and regulations governing pensions and annuities could help promote secure, lifetime income streams [from 401(k) and other defined contribution plans, called 'individual account plans' in ERISA]. More specifically, this Article explores how the laws governing annuities could be changed to make voluntary annuitization more attractive and how pension laws could be changed to incentivize plan sponsors to offer more lifetime income options and to encourage plan participants to select those options."  MORE >>