The Ruin-Contingent Lifetime Annuity (RCLA) is similar to a Deferred Pension Annuity Factor, or ALDA, but the start date is when the retirement portfolio is depleted.

Current Age	45 50 55 60 65		SPIA Valuation Rate (%)	3
Delay Period (Years)	0 5 10 15 20		Expected Return (%)	8
Current Wealth ($)	100000		Standard Deviation (%)	25
Pre-Ruin Spending ($)	1000 2000 3000 4000 5000 6000 7000 8000 9000 10000		Gender	Female
Post-Ruin Spending ($)	1000 2000 3000 4000 5000 6000 7000 8000 9000 10000		Health Status	Excellent