Required Minimum Distribution

Required Minimum Distribution Election Form

The SECURE 2.0 Act, effective January 1st, 2023, changes the date by which you are required to begin minimum distributions from age 72 to 73. If you reached the age of 72 prior to January 1, 2023, nothing will change and your requirement will continue according to the prior rule. However, if you have not reached the age of 72 by January 1, 2023, the IRS will now require that you begin receiving distributions related to your IRA or employer-sponsored qualified retirement plan by April 1st following the year in which you reach age 73.

If you wish to begin receiving the required minimum distribution as set forth by the internal Revenue Code, fill out the Distribution Election form.


Please complete, print, and sign forms. Submit forms via the email, fax number, or mailing address below:

Fax:          800.395.9238
Mail:          Americo Financial Life and Annuity Insurance Company
                  PO BOX 410288
                  Kansas City, MO, 64141-0288