Which statement is true regarding IRA distributions?

Question

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Unless a retiree has purchased a life annuity, which provides guaranteed income for life, there is a possibility that their IRA account may be exhausted before they die. The minimum distribution rules apply to both Roth and traditional IRAs, but the tax treatment of distributions differs. Roth IRA distributions are generally tax-free since they are funded with after-tax contributions, while traditional IRA distributions are taxed as ordinary income. The IRA penalty tax applies to most traditional IRA distributions taken before age 59.5, but there are some exceptions (such as for certain medical or educational expenses).

Which Statement Is True Regarding IRA Distributions