Ruin Contingent Life Annuity

A ruin contingent life annuity (RCLA) allows one to combine a long-term equity put option with a deferred life annuity. The combination provides protection against both capital market or investment risk and longevity risk.

Longevity Risk and Portfolio Protection Without a Variable Annuity

Two of the most daunting risks faced by the majority of retirees are:

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