The Secure Act may give the life insurance industry a shot in the arm – and this has nothing to do with the provisions on workplace sales of annuities. Buried in the law is a requirement that when someone dies, a non-spousal beneficiary of the individual retirement account, or IRA, must withdraw the balance within 10 years instead of over a lifetime. Stretching those payments from the IRA over a lifetime is known as a “Stretch IRA.”