Product Reference Guide - RiverSource

Advisor Use Only 

February 2015 

Product Reference Guide 

Note: This guide is subject to change. 

To obtain the most recent version of this document go to AdvisorCompass® > Tools > eCatalog and search by 

item number 22109. 

For advisor use only. Not approved for use with the public. 22109 AT (2/15)

Table of Contents 

For complete information on any of the products or features contained in this guide, please consult the 

appropriate product prospectus. 

Currently Sold Products — Variable Annuities 

Please note: RAVA 5® 

1. RAVA 5 Advantage ® ..............................................................4 

2. RAVA 5 Select ® ..................................................................4 

3. RAVA 5 Access ® ..................................................................4 

5. RAVA 5 series at-a-glance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 

6. RAVA 5 Base Contract Features ...................................................5 

7. RAVA 5 Death Benefits ...........................................................6 

8. RAVA 5 Living Benefits ...........................................................7–10 

Group Annuities: 

9. RiverSource Group Annuity I ......................................................11 

10. RiverSource Group Annuity II ....................................................11 

Currently Sold Products — Fixed Annuities 

1. Bonus Fixed Annuities — National & NY ...........................................12 

2. SecureProvider® Income Annuity — National & NY ...................................13 

Deferred Annuity Payout and Commutability Options ...............................14 

Previously Sold Products — Variable Annuities 

1. Innovations Select ...............................................................15 

2. RAVA 4 Advantage® ..............................................................16 

3. RAVA 4 Select® .................................................................16 

4. RAVA 4 Access® .................................................................16 

5. RAVA 4 series at-a-glance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 

6. RAVA 4 Base Contract Features ...................................................18 

7. Pre-RAVA 5 Death Benefits ........................................................19 

8. RAVA 4 Living Benefits ...........................................................20–21 

9. RAVA Advantage Plus ............................................................22 

10. RAVA Select Plus ...............................................................22 

11. RAVA Advantage Plus & RAVA Select Plus Base Contract Features ...................23 

12. RAVA Advantage Plus & RAVA Select Plus Death Benefits ...........................24 

13. RAVA Advantage Plus & RAVA Select Plus Living Benefits ...........................25 

14. RAVA Advantage ................................................................26–27 

15. RAVA Select ...................................................................28–29 

16. RAVA SM ........................................................................30–31 

17. Flexible Portfolio Annuity ........................................................32 

18. Flexible Annuity ................................................................33 

19. Employee Benefit Annuity .......................................................34 

20. CRA, VRA, Fund A and Fund B. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 

21. Wells Fargo Advantage Builder Select .............................................36 

22. Wells Fargo Advantage and Wells Fargo Advantage Builder ..........................37

Previously Sold Products — Fixed Annuities 

1. Index 500 Annuity ...............................................................38 

2. Advantage Fixed Annuities ........................................................39 

3. Guaranteed Term Annuity .........................................................40 

4. Fixed Retirement Annuity .........................................................41 

5. FRA–VP and FRA–XR .............................................................42 

Annuity Fees at-a-Glance ..............................................................43–44 

Standard Death Benefits at-a-Glance .................................................45 

Advice-Embedded Solutions & Living Benefits Chronology. . . . . . . . . . . . . . . . . . . . . . . . . . 46–48 

November 2013 Changes to Existing Variable Annuities . ..........................49–50 

Surrender Charge Waivers ............................................................51 

Transfer Provisions ....................................................................52–54 

Guarantee Period Accounts ...........................................................55 

Dollar-Cost Averaging .................................................................56–57

Variable Annuities 

RAVA 5 Advantage ® Variable Annuity 

Product Features 

Minimum Purchase Payment 

Mortality and Expense Risk 

Fee (applied to variable 

subaccounts) 

Feature Description 

RAVA 5 Select ® Variable Annuity 

RAVA 5 Access ® Variable Annuity 

RAVA 5 series at-a-glance 

$1,000 initial payment for qualified annuities; $2,000 initial payment for nonqualified annuities 

7/19/10 - 4/29/12 

7-year Nonqualified/Qualified: 0.95% 


4/30/12 - 4/28/13 



4 For advisor use only. Not approved for use with the public. 

4/30/13* and after 

7-year: 1.10% (through year 10); 

0.95% (years 11+) 

10-year: 0.95% 

Surrender Charges Two options based on payment date: 7-year (7, 7, 7, 6, 5, 4, 2, 0%) 

10-year (8, 8, 8, 7, 6, 5, 4, 3, 2, 1, 0%) (all states) 

Payment date-based. Refer to Surrender Charge Waivers at-a-Glance section. 





subaccounts) 



7/19/10 - 4/29/12 

Nonqualified/Qualified: 1.20% 

4/30/12 - 4/28/13 



1.35% (through year 10) 

0.95% (years 11+) 

Surrender Charges Four-year surrender charge schedule (7, 6, 5, 4%) 

Contract date-based. Refer to Surrender Charge Waivers at-a-Glance section. 





subaccounts) 

Surrender Charges 

Features National New York 

RAVA 5 RAVA 5 Select ® RAVA 5 Access ® RAVA 5 RAVA 5 Select ® RAVA 5 Access ® 

Advantage ® Advantage ® 

Living Benefits Available SecureSource 3® 

Accumulation Protector Benefit® 

Income Guide Yes Yes 

Death Benefits Available 

Surrender Charge Basis 



7/19/10 - 4/29/12 


4/30/12 - 4/28/13 


None 

Standard 

Return of Purchase Payments (ROPP) 

Maximum Anniversary Value (MAV) 

Maximum Five Year Anniversary Value (MAV5) 

5% Accumulation Death Benefit (5% ADB) (Not 

available for sales after 4/28/13) 

Enhanced Death Benefit (EDB) (Not available for 

sales after 4/28/13) 

**Benefit Protector® 

**Benefit Protector Plus® 

(Not available for sales after 4/28/13) 

Payment-date 

based 

Contract-date 

based 

n/a 


1.50% (through year 10) 

0.95% (years 11+) 

SecureSource 3 NY® 

Accumulation Protector Benefit® 

Standard 

ROPP 

MAV 

MAV5 

Payment-date 

based 

Contract-date 

based 

Fixed Account Available Yes No Yes No 

GPAs Available Yes No 

* There was an administrative error on the part of the Securities and Exchange Commission (SEC) related to the effective date on the 

annuity product prospectus. RiverSource Life Insurance Company filed a prospectus with the SEC for these annuities with an effective 

date of April 29, 2013. Due to the SEC’s error, the prospectus was not effective until April 30th. Annuities purchased on April 29, 2013 

had an extended free look period, but there are no other impacts to the clients’ contracts. 

**Not available in NJ or WA 

All guarantees are based on the continued claims-paying ability of the issuing insurance company and do not apply to the performance 

of the variable subaccounts, which will vary with market conditions. 

n/a


RAVA 5 Series Base Contract Features 


Introduction Date 

Maximum Purchase 

Payment 

Issue Age Limit 

Contract Charge 

Withdrawal Free of 

Surrender Charge 


July 19, 2010 (Nat’l and NY) 

For the first year: $1M for ages 0–85; $100,000 for ages 86–90. 

For each subsequent year: $100,000 up to age 85; $50,000 for ages 86–90. For both RAVA 5 Select and 

RAVA 5 Access, additional purchase payments are not allowed after the fifth contract year unless this is a 

tax qualified contract, in which case we allow additional purchase payments in any contract year up to the 

maximum permissible annual contribution described by the Code that was in effect on the contract date. 

Note: Maximums apply based on attained age in total for all annuities purchased by the same individual. 

Payments exceeding these limits require corporate office approval. 

Legal age to 90 at last birthday. Applies to oldest owner (or, if non-natural owner or revocable trust, 

to oldest annuitant.) 

$30 per year waived if contract value is $50,000 or more on the current contract anniversary 

Greater of: contract earnings or 10% of previous contract anniversary contract value. 

(In the first contract year: 10% of all purchase payments.) 

Income Guide Additional Income Guide details: 

• There are no additional fees 

• No investment restrictions 

• Provides clear information to support a flexible, adaptive withdrawal strategy for a portion of their lifestyle dollars 

• And clients can enroll between ages 50 - 85 and cancel any time. 

Investment Choices 

Asset allocation 

portfolios 

Regular Fixed Account 

Special Dollar-Cost 

Averaging (SDCA) 

Asset Rebalancing 

Option 

Guarantee Period 

Account (GPA) Option 

Standard Death Benefit 1 

Return of Purchase 

Payments (ROPP) 

death benefit 1 

Over 80 subaccounts from well-known fund families such as: Alliance Bernstein, Columbia, Evergreen, 

Fidelity, Franklin/Templeton, Goldman Sachs, Janus, MFS, Neuberger, Oppenheimer, PIMCO, RiverSource 

Investments and Wells Fargo. 

Disciplined Asset Allocation® Portfolios are five funds-of-funds using RiverSource funds as the underlying 

investments. There are five portfolios available ranging from conservative through aggressive. Effective 

4/29/11, the Disciplined Asset Allocation Portfolios was merged into the funds in the Portfolio 

Navigator program. 

RAVA 5 annuities offer several asset allocation funds that cover a broad risk spectrum. Clients can also 

select from Portfolio Stabilizer, Portfolio Navigator, and Portfolio Directions. Portfolio Stabilizer funds are 

required for living benefits sold on and after 4/30/12. The Portfolio Stabilizer Growth fund is not available 

with the Accumulation Protector Benefit. 

A fixed account with a one-year initial guaranteed interest rate followed by 12-month renewal rates. 

Guaranteed minimum rates vary by issue date. Not available with RAVA 5 Access. 

The SDCA arrangement will transfer out in six or twelve monthly payments. No minimum. Internal transfers 

into the SDCA are not permitted. 

Quarterly, semiannually or annually. Fixed account and Guarantee Period Accounts are not included. 

Offered upon written request. 

Locks in the interest rate for one or more selected guarantee periods of one to 10 years. After that, 

clients can renew for the same or any other guarantee period. Transfers are subject to market value 

adjustment (MVA), and withdrawals are subject to MVA plus any applicable surrender charge from a GPA 

bucket prior to the end of the guarantee period. 

Interest rate: Set bi-weekly. No minimum interest rate. Interest rate credited is the rate in effect on the 

effective date of the investment and is guaranteed for the entire term. 

Minimum investment: $1,000 

Fee: No additional fee. 

Available in all states except CT (had GPAs available until 4/28/13), IL, NY and OR. Refer to Price Card for rates. 

Pays out on death of the owner. If the owner is age 79 or younger at contract issue, the beneficiary will 

receive the greater of: 

· contract value, less a portion of applicable rider fees, or 

· purchase payments, adjusted proportionately for partial surrenders.* 

If the owner is 80 or older at contract issue, the beneficiary will receive contract value less a portion of 

applicable rider fees. Age limit applies to owner/joint owner. 

Owners age 80 and older at issue may purchase this rider to guarantee that their beneficiaries receive 

total purchase payments adjusted for partial surrenders. 

Fee: 0.35% (charged as part of M&E) 

See RAVA 5 Enhanced Death Benefit Guarantees page for state availability. 

1 

Annuitant is measuring/triggering life for non-natural annuity ownership. 

*For purposes of the death benefit: when withdrawals are taken, total purchase payments are reduced by the same percentage that the 

contract value was reduced (or, on a “pro-rata” basis). 

For advisor use only. Not approved for use with the public. 5

RAVA 5 Enhanced Death Benefit Guarantees* (For state availability see p. 4) 

Death 

Benefit 

Rider 

Maximum 

Anniversary 

Value (MAV) 

Availability Owner/Joint 

Owner (Annuitant 

if non-natural 

ownership) 

Ages 0–79 

Nonqualified 

and qualified 

annuities 

Value of 

Benefit at 

Death 

Beneficiary 

receives the 

greatest of: 

•contract value, 

less a portion of 

applicable rider 

fees; or 

•purchase 

payments minus 

adjusted partial 

surrenders;** or 

•the maximum 

anniversary value 

through age 80; 

or 

•the full surrender 

value 

Cost 0.25% added to 

M&E 

Maximum 

Benefit at 

Death 

Spousal 

Continuation 

BP+ Vesting 

Schedule 

(percentages 

paid) 

Maximum Five Year 

Anniversary Value 

(MAV5) 

Owner/Joint Owner 

(Annuitant if nonnatural 

ownership) 

Ages 0–75 

Nonqualified and 

qualified annuities 

Beneficiary receives 

the greatest of: 

•contract value, less a 

portion of applicable 

rider fees; or 

•purchase payments 

minus adjusted 

partial surrenders;** 

or 

•the maximum 

anniversary value as 

calculated every 5th 

contract anniversary 

through age 80 


value 

5% Accumulation 

Death Benefit 

(5% ADB) 



ownership) 

Ages 0–79 



(Not available for 

new sales after 

4/28/13) 



•contract value, 



fees; or 

•purchase 




•the 5% variable 

account floor 

through age 80 or 


value 

0.10% added to M&E 0.40% added to 

M&E 

No cap No cap Capped at 200% in 

NJ and WA 

Yes (depending 

on attained age 

of spouse) 


on attained age of 

spouse) 



spouse) 

Enhanced Death 

Benefit (EDB) 



ownership) 

Ages 0–79 



(Not available for new 

sales after 4/28/13) 



•contract value, less a 


rider fees; or 

•total purchase 




•the MAV (through 

age 80) on the date 

of death; or 

•the 5% variable 

account floor through 

age 80 


value 

Benefit Protector 

(BP) 



ownership) 

Ages 0–75 



Ages 0–69: 40% of 

earnings at death 

Ages 70–75: 15% 

of earnings at 

death 

Age based on rider 

effective date; 

consult prospectus 

for details. 

0.45% added to M&E 0.25% of contract 

value annually 

Capped at 200% in 

NJ and WA 



spouse) 

Earnings cap 

at 250% of the 

remaining purchase 

payments that are 

one or more years 

old. 



spouse) 

Benefit Protector 

Plus (BP+) 


(Annuitant if non-natural 

ownership) 

Ages 0–75 

Nonqualified and qualified 

annuities 

(Not available for new sales 

after 4/28/13) 

Benefits that equal those 

payable under Benefit 

Protector plus: 

Ages 0–69: up to 20% 

of payments the first 60 

days***; 

Ages 70–75: up to 7.5% 

of payments the first 60 

days***; 


effective date; consult 

prospectus for details. 

0.40% of contract value 

annually 

Earnings cap at 250% of 

the remaining purchase 

payments that are one or 

more years old. 


Payments 

(ROPP) 



ownership) 

Ages 80 or older 



Beneficiaries receive 

the greater of: 

•purchase 



surrenders** 

•contract value 



fees 


value 

0.35% added to 

M&E 

N/A 

No. Rider terminates. Yes (depending 


spouse) 

N/A N/A N/A N/A N/A Ages 0–69: 0% in contract 

years 1 and 2; 10% in 

contract years 3 and 4; 

20% in contract years 5+. 

Ages 70–75: 0% in contract 

years 1 and 2; 3.75% in 

contract years 3 and 4; 

7.5% in contract years 5+. 

Combinable? With BP or BP+ No With MAV or MAV 5 N/A 

* None of the death benefits described on this page applies to contracts that have been annuitized. 

** For RAVA 5 series standard death benefits: when withdrawals are taken, each component of the death benefit is reduced by the same percentage that the contract 

value was reduced (or, on a “pro-rata” basis). 

*** Subject to vesting schedule. 

N/A 

6 For advisor use only. Not approved for use with the public.


RAVA 5 Living Benefits 


SecureSource 3® 

guaranteed lifetime 

withdrawal benefit 1, 2 

Not available in NY 


The optional SecureSource 3 benefit guarantees growth of income through Annual Credits and 

lifetime income as early as age 50. Clients have the opportunity to increase future income while they 

accumulate through Step Ups and Annual Credits. Once clients begin taking withdrawals, they will have 

an opportunity for an income bonus each year (if eligible). 

Each year your Benefit Base can increase by the greater of: 

• Locked-in Investment Gains (eligible for life): the amount your clients’ contract value (after 

deduction for any rider fees) increases above the Benefit Base on their contract anniversary. 

OR 

• Annual Credits (when eligible through age 95): 6% credit is calculated on principal and any lockedin 

gains. Annual Credits are available for a minimum of 10 years in any year clients do not take a 

withdrawal. Additionally, any time they lock in investment gains, they will start a new 10-year credit 

period. 

Lifetime income with opportunities for an income bonus 

• The percentage clients will receive is initially determined by how old they are when they take their 

first withdrawal and can increase as they age. For the joint life benefit, the age of the younger 

spouse is used. 

• 50-58: 3% (+0.5% with income bonus) 



• 80+ : 6% (+0.5% with income bonus) 

• For the joint life benefit, the Minimum Lifetime Payment Percentages are 0.25% lower for each age 

band. 

• Clients can increase their minimum LPP if they receive a Benefit Base Step Up after crossing an Age 

Band. 

• RMD-“friendly” — RMD withdrawals that exceed the maximum amount allowed by the rider will not 

be considered an excess withdrawal. 

• Income bonus feature: The client’s Minimum Lifetime Payment Percentage (LPP) is set according to 

their age when they take their first withdrawal (based on younger spouse for joint life benefit). Clients 

are eligible for a 0.5% income bonus (e.g. 5% will become 5.5%) for a given contract year. Each 

contract year on the day of the client’s first withdrawal the contract value is compared to another 

value called the Withdrawal Adjustment Base*, which is equal to the client’s purchase payments, 

increased for any contract anniversary gains or Annual Credits, and decreased proportionately for 

withdrawals. This comparison results in the Benefit Determining Percentage, which determines 

whether the client will be eligible for an income bonus for that contract year: 

• If a client’s Benefit Determining Percentage is less than 20%, clients will receive a 0.5% income 

bonus for that contract year. 

• If a client’s Benefit Determining Percentage is 20% or more, clients will receive the minimum 

LPP for that contract year. Market volatility, a prolonged flat, low or down market, Annual Credits, 

and the deduction of fees all impact whether clients are eligible for the income bonus, however 

withdrawals do not. 

Additional Details: 

• The Portfolio Stabilizer funds are required. The funds are designed to help smooth out the ups and 

downs in your clients’ annuity investment by managing their exposure to equity and fixed income 

markets. 

• Issue Ages: 0–85 for owner and joint covered spouse (annuitant if non-natural owner). Only available 

at contract issue. 

• Add-on payments: payments during the first 180 days after issue are eligible for an Annual Credit 

on the first anniversary. Premiums paid before the anniversary increase both the contract value and 

the Benefit Base immediately and therefore increase the fee on the upcoming anniversary (not prorated). 

After the first 180 days, add-on payments must be in the contract for a full year before they 

are eligible for an Annual Credit. 

• Spousal continuation: for single life benefit, the rider terminates; for joint life benefit, the benefit 

continues. 

• Beneficiaries may elect the Principal Back Guarantee and receive a level income stream over time 

until principal has been returned instead of a lump sum death benefit. 

• Fees: Single: 1.20%, Joint: 1.30%. Max. fee: 2.25%. Fees are based on the greater of the contract 

anniversary value or the Benefit Base and deducted on the contract anniversary. Fee is subject to 

increase. If there is a fee increase that results in a greater than 0.25 percentage point increase in 

the client’s current fee, they have the right to cancel the rider. Clients may opt out of a fee increase 

but will forfeit future Step Ups (including spousal continuation Step Ups), Annual Credits, increases 

to the ALP and the ability to make additional purchase payments. 

1 


2 

All riders must be added at time of purchase. 

*For more information about the Withdrawal Adjustment Base, refer to the prospectus. 



RAVA 5 Living Benefits (continued) 


SecureSource 3 NY® 


withdrawal benefit 

Only available in NY 


The optional SecureSource 3 NY benefit guarantees growth of income through Annual Credits and 


accumulate through Step Ups and Annual Credits. 

Each year your Benefit Base can increase by the greater of: 

• Locked-in Investment Gains (eligible for life): the amount your clients’ contract value (after 

deduction for any rider fees) increases above the Benefit Base on their contract anniversary. 

OR 

• Annual Credits (when eligible through age 95): 6% credit is calculated on principal and any lockedin 

gains. Annual Credits are available for a minimum of 10 years in any year clients do not take a 

withdrawal. Additionally, any time they lock in investment gains, they will start a new 10-year credit 

period. For clients age 55 or younger at issue, they will receive a 5.9% credit in year 10 of the credit 

schedule (if eligible). 

Lifetime income 

• The percentage clients will receive is initially determined by how old they are when they take their 

first withdrawal and can increase as they age. For the joint life benefit, the age of the younger 

spouse is used. 

• 50-58: 3% 

• 59-64: 4% 

• 65-79: 5% 

• 80+ : 6% 

• For the joint life benefit, the Lifetime Payment Percentages are 0.5% lower for each age band. 

• Clients can increase their LPP if they receive a Benefit Base Step Up after crossing an Age Band. 

• RMD-“friendly” — RMD withdrawals that exceed the maximum amount allowed by the rider will not 

be considered an excess withdrawal. 


• The Portfolio Stabilizer funds are required. The funds are designed to help smooth out the ups and 

downs in your clients’ annuity investment by managing their exposure to equity and fixed income 

markets. 

• Issue Ages: 0–85 for owner and joint covered spouse (annuitant if non-natural owner). Only available 

at contract issue. 

• Add-on payments: Payments during the first 180 days after issue are eligible for an Annual Credit 

on the first anniversary. Premiums paid before the anniversary increase both the contract value and 

the Benefit Base immediately and therefore increase the fee on the upcoming anniversary (not prorated). 

After the first 180 days, add-on payments must be in the contract for a full year before they 

are eligible for an Annual Credit. 

• Spousal continuation: for single life benefit, the rider terminates; for joint life benefit, the benefit continues. 

• Beneficiaries may elect the Principal Back Guarantee and receive a level income stream over time 


• Fees: Single and joint life benefit: 1.10%. Max. fee: 2.25%. Fees are based on the greater of the 

contract anniversary value or the Benefit Base and deducted on the contract anniversary. Fee is 

subject to increase. If there is a fee increase that results in a greater than 0.25 percentage point 

increase in the client’s current fee, they have the right to cancel the rider. Clients may opt out of 

a fee increase but will forfeit future Step Ups (including spousal continuation Step Ups), Annual 

Credits, increases to the ALP and the ability to make additional purchase payments. 





SecureSource Stages 2 ® 



Not available in NY 


1 

Annuitant is measuring/triggering life for non-natural 

annuity ownership. 

2 


The optional SecureSource Stages 2 benefit guarantees growth of income through Annual Credits and 


accumulate through Step Ups (after deduction for any rider fees) and Annual Credits. Once they take a 

withdrawal, clients can increase their income with an income bonus — available each contract year — or if 

they lock in a gain on their Benefit Base after they cross an Age Band threshold. 

Highlights of key features 

• Guaranteed growth through Annual Credits: Available for the first 10 years or until first withdrawal — 

Income benefit is guaranteed to increase each year based on greater of Annual Credit or locked-in gains. 

Credit = 8% on the first anniversary and 6% thereafter 

• Guaranteed lifetime income available to clients as young as age 50; Lifetime Payment Percentages are 

tiered as follows*: 

• 50-58: 3% (+1% with income bonus) 



• 80+ : 6% (+1% with income bonus) 

• 6% income for life at 65 with the income bonus 

• Ability to automatically lock in gains every year for the life of contract 

• RMD-“friendly” — RMD withdrawals that exceed the maximum percent allowed by the rider will not be 

considered an excess withdrawal 


• Enrollment in the Portfolio Navigator program required. The availability of funds is based on whether the 

client has taken a withdrawal from the contract as follows: 

•At contract issue and prior to the first withdrawal, clients may elect and move among all five funds. 

•After their first withdrawal, clients can elect and move among the Moderate, Moderately Conservative 

and Conservative funds without affecting their guarantees. If clients are in the Moderately Aggressive or 

Aggressive fund when they take a withdrawal, they will automatically be moved to the Moderate fund. 

• Issue Ages: 0–85 for owner and joint covered spouse (annuitant if non-natural owner). 


• Add-on payments: payments during the first 180 days after issue are eligible for an Annual Credit on the 

first anniversary. Premiums paid before the anniversary increase both the contract value and the Benefit 

Base immediately and therefore increase the fee on the upcoming anniversary (not pro-rated). After the 

first 180 days, add-on payments must be in the contract for a full year before they are eligible for an 

Annual Credit. 

• income bonus feature: The client’s minimum Lifetime Payment Percentage (LPP) is set according to 

their age when they take their first withdrawal (based on younger spouse for joint life benefit). Clients 

are eligible for a 1% income bonus (e.g. 5% will become 6%) for a given contract year. Each contract 

year on the day of the client’s first withdrawal the contract value is compared to another value called 

the Withdrawal Adjustment Base**, which is equal to the client’s purchase payments, increased for 

any contract anniversary gains or Annual Credits, and decreased proportionately for withdrawals. This 

comparison results in the Benefit Determining Percentage, which determines whether the client will be 

eligible for an income bonus for that contract year: 

− If a client’s Benefit Determining Percentage is less than 20%, clients will receive a 1% income bonus 

for that contract year. 

− If a client’s Benefit Determining Percentage is 20% or more, clients will receive the minimum LPP for that 

contract year. Market volatility, a prolonged flat, low or down market, Annual Credits, and the deduction 

of fees all impact whether clients are eligible for the income bonus, however withdrawals do not. 

• Clients who take withdrawals before the first contract anniversary (including withdrawals clients are 

required to take as RMDs under federal tax law starting at age 70½) will not be eligible for the income 

bonus for the life of the contract. They will continue to be eligible for Step Ups, and can increase their 

minimum LPP if they receive a Benefit Base Step Up after crossing an Age Band. To take advantage of 

the income bonus feature, we recommend clients use another source for any income needs they may 

have during the first year of their contract. 

• Beneficiaries may elect the Principal Back Guarantee (PBG) and receive a level income stream over time 


Fees 

• For contracts issued 2/27/12 - 4/29/12: 1.50% Single Life and 1.75% Joint Life 



• Max fee - Single 1.75%; Joint: 2.25% 

Fees are based on the greater of the contract anniversary value or the Benefit Base and deducted on the 

contract anniversary. In the state of WA, fixed account balances are excluded. Fee is subject to increase. If 

there is a fee increase that results in a greater than 0.25 percentage point increase in the client’s current 

fee, they have the right to cancel the rider. The client may not cancel the rider if their fee increase is a result 

of having moved to a more aggressive Portfolio Navigator fund. Clients may opt out of a fee increase but will 

forfeit future Step Ups (including spousal continuation Step Ups), Annual Credits, increases to the ALP, 

the ability to make additional purchase payments, and the ability to change to a more aggressive 

investment option. 

*Based on age at the first withdrawal. 

**For more information about the Withdrawal Adjustment Base, 

refer to the prospectus. 





SecureSource Stages NY ® 



Only available in NY 

Accumulation Protector 

Benefit® (APB) living 

benefit rider 2 

Available in all states 


The optional SecureSource Stages NY benefit guarantees growth of income through Annual Credits and lifetime 

income as early as age 50. Clients have the opportunity to increase future income while they accumulate through 

Step Ups (after deduction for any rider fees) and Annual Credits. Once they take a withdrawal, clients can increase 

their income if they lock in a gain on their Benefit Base after they cross an Age Band threshold. 

• Annual Credits: Available for the first 10 years or until first withdrawal — income benefit is guaranteed to increase 

each year based on greater of the Annual Credit or locked-in gains. Credit = 8% for first credit and 6% thereafter. 

• If clients are 60 or older when they purchase the SecureSource Stages NY benefit, they will be eligible to start 

receiving Annual Credits on their first contract anniversary. 

• If clients are younger than age 60 when they purchase, they will be eligible to start receiving Annual Credits on 

the contract anniversary after they reach age 61. 

Lifetime Payment Percentages: 

Age at 1st withdrawal Single Life Joint Life 

50-58 4.0% 3.5% 

59-69 5.0% 4.5% 

70-79 5.5% 5.0% 

80+ 6.0% 5.5% 

• Ability to automatically lock in gains every year for the life of contract 

• RMD-“friendly” — RMD withdrawals that exceed the maximum percent allowed by the rider will not be considered 

an excess withdrawal. 


• Enrollment in the Portfolio Navigator program required. The availability of funds of fund is based on whether the 

client has taken a withdrawal from the contract as follows: 

• At contract issue and prior to the first withdrawal, clients may elect and move among all five fund of funds. 

• After their first withdrawal, clients can elect and move among the Moderate, Moderately Conservative and 

Conservative fund without affecting their guarantees. If clients are in the Moderately Aggressive or Aggressive 

fund when they take a withdrawal, they will automatically be moved to the Moderate fund. 

• Issue Ages: 0–85 for owner and joint covered spouse (annuitant if non-natural owner). 

• Add-on payments: for clients that are 60 or older at issue, payments during the first 180 days after issue are 

eligible for an Annual Credit on the first anniversary. Premiums paid before the anniversary increase both the 

contract value and the Benefit Base immediately and therefore increase the fee on the upcoming anniversary (not 

pro-rated). After the first 180 days, add-on payments must be in the contract for a full year before they are eligible 

for an Annual Credit. 


• Beneficiaries may elect the Principal Back Guarantee (PBG) and receive a level income stream over time until 

principal has been returned instead of a lump sum death benefit. 

Fees 

• For contracts issued 2/27/12 - 4/29/12: 1.50% Single and Joint Life 



• Max fee - Single and Joint: 1.75% 

Fees are based on the greater of the contract anniversary value or the Benefit Base and deducted on the contract 

anniversary. Fee is subject to increase. If there is a fee increase that results in a greater than 0.25 percentage 

point increase in the client’s current fee, they have the right to cancel the rider. Note: The client may not cancel 

the rider if their fee increase is a result of having moved to a more aggressive Portfolio Navigator fund. Clients 

may opt out of a fee increase but will forfeit future Step Ups (including spousal continuation Step Ups), Annual 

Credits, increases to the ALP, the ability to make additional purchase payments, and the ability to change to a more 

aggressive investment option. 

With the Accumulation Protector Benefit, at the end of a 10-year waiting period, clients are guaranteed the greater of 

the following (adjusted for withdrawals): 

• 100% of their initial investment 

• 80% of the highest contract anniversary value. 90% for sales on or after 7/30/12. 

• The contract value 

Clients have the option to lock in 100% of their contract value on any contract anniversary with an Elective Step Up. If 

they choose the Elective Step Up, the 10-year waiting period will restart. Clients may be subject to a fee change. For 

more information on Elective Step Up fees, please see the “Living Benefits Chronology” section of this guide. 

Additional details: 

• For sales on and after 7/30/12, the Portfolio Stabilizer funds are required for new sales. The funds are designed 

to help smooth out the ups and downs in your clients’ annuity investment by managing their exposure to equity 

and fixed income markets. The Columbia VP – Managed Volatility Growth fund is not available with the APB rider 

for sales on or after 7/30/12. For sales before 7/30/12, Portfolio Navigator was required. 

• Purchase payments are accepted for the first 180 days following contract issue or for 180 days following an 

Elective Step Up. Bank authorizations are not available with APB. 

• Clients may not electively terminate during the waiting period. 

• Issue ages: 0–80. 

• Current Fee: 1.00% and max fee: 2.00%. Charged annually based on the greater of the guaranteed value or contract 

value. For a history of previous fees, see the “Living Benefits Chronology” section of this guide. In the state of WA, 

fixed account balances are excluded. Fee is subject to change. If the fee changes, existing clients will incur the new 

fee if they elect a 100% Step Up. For sales before 4/29/13, we reserve the right to increase the fee and restart 

the 10-year waiting period if the client changes their investment option. For sales on or after 4/29/13, the fee can 

change anytime. If the fee increases, clients will have the option to cancel the benefit (not available for fee increases 

due to elective Step Ups). 

1 2 

Annuitant is measuring/triggering life for non-natural annuity ownership. All riders must be added at time of purchase. 



Group Products 

Please contact Retail Retirement Plans at 1.800.437.3401, option 3 before you approach 

any group annuity prospect. 

Two Group Annuities 

RiverSource Group Annuity I: Mortality and Expense Risk fee = 0.60% 

RiverSource Group Annuity II: Mortality and Expense Risk fee = 0.95% 

Available for TSAs: 403(b) 

Other Details: 

• There are no other fees and no surrender charges 

• Maximum issue age is 90 

• Maximum age for the Return of Purchase Payment guaranteed minimum death benefit is 79. For issue ages 80+, 

the death benefit is the contract value. 

• No optional living or death benefit riders are available 

• Group annuities are not available in New York. 

Minimum Initial Investment to open the annuity 

• $2,000 lump sum; or 

• $50 monthly systematic arrangement 

• If there is a group bill set up, then the minimums are $25 for any frequency 

Investment Options 

All investment options are available including Portfolio Navigator. 

Application Process 

Qualified Plans are not supported in AnnuityNet. Group annuities are opened by the plan sponsor through a Group 

Annuity Application provided by Retirement Services. Once the Group Master Contract is established, participants can 

then be enrolled. During the process a new qualified brokerage account must be opened. All enrollment and required 

forms are located on eForms Manager. 


Bonus Fixed Annuity Series 

National & New York 

Product Features Rate Bonus 1 Rate Bonus 2 Rate Bonus 3 Value Plus Bonus 

State Availability 

Markets 

Minimum Single Payment 

Maximum Single Payment 

Issue Age Limit (applies to 

owner and annuitant) 

Fees and Charges 


Refer to the Surrender 

Charge Waivers at-a-Glance 

section. 

Withdrawals Free of 


Initial Base Rate 


Additional Interest Rate 

(Credited in the first year) 

Minimum Interest Rate 

Guarantee 

New Business Rates 

Death Benefit Value 

(Pre-settlement) 

Available in all states. 

Tax-qualified and Nonqualified 

$2,000, no add-ons 

$999,999 — Higher limits available with corporate office approval. Note: Maximums apply in total 

for all annuities purchased by the same individual. 

Legal age to 90 at last birthday. 

None 

Year 1 9% 

2 8% 

3 7% 

4 6% 

5 5% 

6 4% 

Thereafter 0% 

Year 1 9% 

2 8% 

3 7% 

4 6% 

5 5% 

6 4% 

7 3% 

8 2% 

Thereafter 0% 

Year 1 10% 

2 9% 

3 8% 

4 7% 

5 6% 

6 5% 

7 4% 

8 3% 

9 2% 

10 1% 

Thereafter 0% 

Year 1 10% 

2 9% 

3 8% 

4 7% 

5 6% 

6 5% 

7 4% 

8 3% 

9 2% 

10 1% 

Thereafter 0% 

Up to 10%, in total, of the value at the beginning of any contract year may be surrendered without 

charge, at any time during that year. 

5 Years 

1 Year 

1% rate bonus 2% rate bonus 3% rate bonus Provides an initial 

rate that is 50 bps 

higher than its base 

rate. RiverSource Life 

reduces this extra 50 

bps over a 10-year 

period corresponding 

to the reduction of 

surrender charges to 

0% over 10 years. The 

extra 50 bps will reduce 

by approximately 5 bps 

per year. 

Minimum interest rates vary by state. Refer to the Variable Annuity section under Product Solutions on 

the AdvisorCompass portal for state-specific information. 

Refer to the Price Card on the AdvisorCompass portal for current interest rates and rate band 

differentials. Interest rates are banded at: $2,000 – $24,999; $25,000 – $999,999; and 

$1mm and above. 

Contract value at death of contract owner (at death of annuitant for non-natural contract ownership: 

i.e., irrevocable trusts, corporations, etc.). Death of annuitant, when different than owner, does not 

trigger distribution unless non-natural contract ownership applies. (Any applicable surrender is waived 

at death.) 


Income Annuities 

RiverSource SecureProvider Income Annuity 



Markets 


annuitant and owner) 




Initial Guarantee Period 

Payment Start Date 

Annual Payment 

Increase Option 


All states 


20–90 age nearest birthday. Applies to annuitant only. 

$5,000; no add-ons. 

$999,999. Higher limits available with corporate office approval. 

None 

Not applicable 

Usually 30 to 60 days from application date if monthly payout. 90 days if quarterly payout. Semiannual 

payments must begin within 182 days and annual payments must begin within 365 days. 

2%, 3% or 4% annual increases, compounded annually and continuing for the length of payout. 

Note: This option is only available for nonqualified annuities and was not available in NY until 

12/15/14. 

Options through 12-14-14 

Commutation 

Payout Options 

For the Guaranteed Period payment option, a full commutation was available if your clients have 

already received income for a year, they can request to receive a full lump sum instead of receiving 

their remaining payments. The amount of the lump sum will be discounted (less than the sum of the 

remaining payments), and surrender charges may apply. The surrender charge schedule is as follows: 

Payout Year 1 2 3 4 5 6 7 

Surrender Charge N/A 5% 4% 3% 2% 1% 0% 

Not available in OR, NY, PA and WA. 

Guaranteed Period – clients will receive income until the end of the guaranteed period selected 

(between 5 and 30 years). If clients were to die before the term ended, their beneficiary would receive 

the remaining payments. 

Life (or Joint Life) Income – clients will receive income for as long as they live. With the Joint Life 

option, income lasts for both of their lives. 

Life (or Joint Life) Income with Guaranteed Period – clients (or a client and their spouse) will receive 

income for the time period selected or for as long as they live, whichever is longer. If they were to die 

before the term ended, their beneficiary would receive the remaining payments. 

Life (or Joint Life) Income with Installment Refund – clients (or a client and their spouse) will receive 

income for as long as they live. If they die before they recoup the amount of their investment, their 

beneficiary will receive the remaining payments. 

Options 12-15-14 and after 

Commutation 

Payout Options 

For any payout option except Life (or Joint Life) Income, if your clients have already received income 

for a year, they can request to receive a full or partial lump sum instead of receiving their remaining 

guaranteed payments. The amount of the lump sum will be discounted (less than the sum of the 


Payout Year 1 2 3 4 5 6 7 



(between 5 and 30 years). If clients were to die before the term ended, their beneficiary would receive 

the remaining payments. 






Life (or Joint Life) Income with Cash Refund or Life (or Joint Life) Income with Installment Refund – 

clients (or a client and their spouse) will receive income for as long as they live or until they recoup the 

amount of their investment, whichever is longer. With the Life (or Joint Life) Income with Cash Refund, 

if they were to die before recouping their investment, their beneficiary would receive the remaining 

payments in either a lump sum or continuing the income stream - it is their choice. With the Life (or Joint 

Life) Income with Installment Refund, the investment would be recouped through an income stream. 


Deferred Annuity Payout and Commutability Options 

Deferred Annuity Settlement Options 

Variable and Fixed 

Settlements 

Annual Increase Option 

(for fixed settlements) 

Deferred Annuity Commutability Options 

Variable Annuitization 

Fixed Annuitization 

(for settlements on 

or before 12-14-14) 

Fixed Annuitization 

(for settlements on 

or after 12-15-14) 


(between 10 and 30 years). If clients were to die before the term ended, their beneficiary would 

receive the remaining payments. 






Life (or Joint Life) Income with Cash Refund or Life (or Joint Life) Income with Installment Refund – 

clients (or a client and their spouse) will receive income for as long as they live or until they recoup the 

amount of their investment, whichever is longer. With the Life (or Joint Life) Income with Cash Refund, 

if they were to die before recouping their investment, their beneficiary would receive the remaining 

payments in either a lump sum or continuing the income stream - it is their choice. With the Life (or Joint 

Life) Income with Installment Refund, the investment would be recouped through an income stream. Life 

(or Joint Life) Income with Cash Refund became available 12-15-14 and only for fixed settlements. 

2%, 3% or 4% annual increases, compounded annually and continuing for the length of payout. Note: 

This option is only available for nonqualified annuities and was not available in NY until 12/15/14. 

After receiving annuity payments, clients who have chosen a term certain variable settlement (Plan 

E, 10–30 years) may surrender their contract and receive a lump sum of the commuted value of any 

remaining guaranteed payments. Clients must commute the full value of their remaining payments. 

This feature is available for all lines of business – nonqualified, tax-qualified and IRA. A discount rate 

will also be used to calculate the commuted value. Clients may rescind/decline the commutability 

endorsement if they prefer not to have this option. 

For the Guaranteed Period payment option, a full commutation was available if your clients have 

already received income for a year, they can request to receive a full lump sum instead of receiving 

their remaining payments. The amount of the lump sum will be discounted (less than the sum of the 


Payout Year 1 2 3 4 5 6 7 


Not available in OR, NY, PA and WA. 

For any payout option except Life (or Joint Life) Income, if your clients have already received income 

for a year, they can request to receive a full or partial lump sum instead of receiving their remaining 

guaranteed payments. The amount of the lump sum will be discounted (less than the sum of the 


Payout Year 1 2 3 4 5 6 7 



Previously Sold Variable Annuities 

RiverSource® Innovations Select Variable Annuity 

This was only available for purchase with the SecureSource Stages benefit through a special accommodation’s process. 


Mortality and Expense 

Risk Fee (applied to 

variable subaccounts) 





Portfolio Navigator (PN) 

Program 



SecureSource Stages 


withdrawal benefit 


7-year: 1.20% qualified or nonqualified 

10-year: 1.00% qualified or nonqualified 

7-year: (8, 8, 7, 7, 6, 5, 3, 0) – payment date based 

10-year: (8, 8, 8, 7, 6, 5, 4, 3, 2, 1, 0) – payment date based 

$40 per year waived if contract value is $50,000 or more on the current contract anniversary 


(In the first contract year: 10% of all purchase payments.) 

An investment program offering five funds, ranging from conservative to aggressive, that are developed and 

updated by Columbia Management Investment Advisers, LLC, an affiliate of RiverSource Life, with analysis 

of the available underlying funds by Morningstar Associates, LLC. 

The SDCA arrangement will transfer out in six or twelve monthly payments. No minimum. Internal transfers 

into the SDCA are not permitted. 

Introduction of Annual Credits for 10 years or until first withdrawal. Benefit Base (used to calculate lifetime 

payment), is guaranteed to grow each year by the greater of the Annual Credit or the locked-in investment 

gains. 

• Annual Credit = 8% on the first anniversary and 6% thereafter 

• Guaranteed lifetime income now available to clients as young as age 50 after the 3-year waiting period, 

as follows: 

– 50-58: 3% (+1% with income bonus) 



– 80+: 6% (+1% with income bonus) 

• Principal Back Guarantee is only available to beneficiaries 

• 3-year wait – Any withdrawals taken during the 3-year waiting period (including Required Minimum 

Distributions) will set the benefit values to zero. The guarantees are reestablished on the 3rd contract 

anniversary based on the contract value at that time 

• Fee – Single: 1.10%; Joint: 1.35%. Based on greater of contract anniversary value or Benefit Base on 

the anniversary. Max fee - Single 2.00%; Joint: 2.50% We reserve the right to change the fee at any 

time. Clients may opt out of a fee increase; If they do, they forfeit future Step Ups (including spousal 

continuation Step Ups), the ability to make additional purchase payments, future Annual Credits, the 

ability to move to a higher lifetime payment percentage and the ability to change to a more aggressive 

fund of funds. If there is a fee increase that results in the client’s current fee increasing by more than 

0.25 percentage points, the client may choose to terminate the rider. We reserve the right to increase the 

fee if the client moves to a more aggressive investment option. 



RiverSource Retirement Advisor 4 Advantage® Variable Annuity 

(RAVA 4 Advantage® ) 



Purchase Payment Credits 



subaccounts) 



(unless bank authorization or group billing arrangement) 

Purchase payment credits (PPCs) will be applied to accounts that are issued with an initial payment of 

$100,000+, or with a 10-year surrender charge schedule, or both. PPCs are applied with all payments, 

both initial and add-on, made during the life of the contract. 

PPCs are calculated as follows: 

Band 7-Year Schedule 10-Year Schedule 

Band 1 (< $100,000) 0% 1% 

Band 2 ($100,000–$999,999) 1% 2% 

Band 3 ($1 million or more/employees/advisors)* 2% 3% 

Nonqualified: 1.05% 

Qualified: 0.85% 

Surrender Charges 7-year. (7, 7, 7, 6, 5, 4, 2, 0%) 

10-yr. (8, 8, 8, 7, 7, 6, 5, 4, 3, 2, 0%) in most states 

Payment date-based. Refer to Surrender Charge Waivers at-a-Glance section. 

In AK, AZ, CO, CT, GA, HI, IA, IL, MI, MN, MS, MT, NC, NJ, OR, UT & WA, the 10-yr. schedule is (8, 8, 8, 7, 

6, 5, 4, 3, 2, 1, 0%) 

RiverSource Retirement Advisor 4 Select® Variable Annuity (RAVA 4 Select® ) 






subaccounts) 





Purchase payment credits (PPCs) will be applied to Band 2 and Band 3 accounts. PPCs are applied 

only to payments made within the first contract year, including the initial payment. 


Band PPC % 

Band 1 (< $250,000) 0% 

Band 2 ($250,000–$999,999) 1% 

Band 3 ($1 million or more/employees/advisors)* 2% 



All states except Texas: (7,7,7,0%) contract-date based 

Texas: (8,7,6,0%) premium date-based with no surrender charges after the third contract anniversary 

Refer to the Surrender Charge Waivers at-a-Glance section. 

RiverSource Retirement Advisor 4 Access® Variable Annuity (RAVA 4 Access® ) 






subaccounts) 





None 



No surrender charge schedule 



RAVA 4 series at-a-glance 

Features National New York 

Annuity Types 

Living Benefits Available 

Death Benefits Available 

Surrender Charge Basis 

RAVA 4 

Advantage 

RAVA 4 Select RAVA 4 Access RAVA 4 

Advantage 

TSA, established 401(a), Keogh, SIMPLE IRA 

SecureSource Flex® 

Accumulation Benefit 

Not Available 

Standard 

Return of Purchase Payments (ROPP) 

Maximum Anniversary Value (MAV) 

Maximum Five Year Anniversary Value (MAV5) 

Enhanced Earnings Benefit 

Enhanced Earnings Plus 

Payment datebased 

Contract datebased 

n/a 

SecureSource Flex® 


Standard 

ROPP 

MAV 

MAV5 

Payment datebased 

RAVA 4 Select 

Contract datebased 

Fixed Account Available Yes No Yes No 

GPAs Available Yes No 

RAVA 4 Access 

Not Available 

n/a 



RAVA 4 Series Base Contract Features 



(most states) 


June 26, 2006 (Nat’l) 

July 24, 2006 (NY) 

Maximum Purchase Payment For the first year: $999,999 for ages 0–85; $100,000 for ages 86–90. 

For each subsequent year: $100,000 up to age 85; $50,000 for ages 86–90; 

Note: Maximums apply based on age on contract date for all annuities purchased by the same 

individual. Payments exceeding these limits require corporate office approval. For non-TSA RAVA 4 

Advantage, payments may only be made during the first three contract years in AL and MA. 






Portfolio Navigator 

(PN) Program 

Regular Fixed Account 



Asset Rebalancing Option 


Account (GPA) Option 


Legal age to 90 at last birthday. Applies to owner and annuitant. 

$30 per year waived if contract value or total purchase payments less any payments surrendered is 

$50,000 or more on the current contract anniversary 

Greatest of: Contract earnings or 10% of previous contract anniversary contract value. 

(In the first contract year: 10% of all purchase payments plus purchase payment credits.) 

Over 60 subaccounts from well-known fund families such as: Alliance Bernstein, Columbia, Evergreen, 

Fidelity, Franklin/Templeton, Goldman Sachs, Janus, MFS, Neuberger, Oppenheimer, PIMCO, 

RiverSource Investments and Wells Fargo. 

Disciplined Asset Allocation® Portfolios are five funds-of-funds using RiverSource® funds as the 

underlying investments. There are five portfolios available ranging from conservative through 

aggressive. Effective 4/29/11, the Disciplined Asset Allocation Portfolios was merged into the 

funds in the Portfolio Navigator program. 

An investment program offering five funds, ranging from conservative to aggressive, that are developed 

and updated by Columbia Management Investment Advisers, LLC, an affiliate of RiverSource Life, with 

analysis of the available underlying funds by Morningstar Associates, LLC. The Portfolio Navigator 

program is required with the SecureSource Flex, SecureSource, GWB for Life and GMAB riders. Clients 

who do not have a living benefit rider may purchase the funds in the Portfolio Navigator program as a 

standalone investment option. 

Fee: None. 

Clients who did not opt in to the dynamic models on 7/21/06 were not moved to the PN funds 

structure on 5/3/10. As a result, these clients will still be in static model portfolios. 

A fixed account with a one-year initial guaranteed interest rate followed by 12-month renewal rates. 

Guaranteed minimum rates vary by issue state and date. 

The SDCA arrangement will transfer out in six monthly payments. Minimum investment is $10,000 of 

new money. Internal transfers into the SDCA are not permitted. 



Locks in the interest rate for one or more selected guarantee periods of one to 10 years. After that, 


adjustment (MVA), and withdrawals are subject to MVA plus any applicable surrender charge from a 

GPA bucket prior to the end of the guarantee period. 

Interest rate: Set bi-weekly. No minimum interest rate. Interest rate credited is the rate in effect on 

the effective date of the investment and is guaranteed for the entire term. 



Available in all states except: IL, IN, MD, PA, OR and WA. Refer to Price Card for rates. 

Beneficiaries receive the higher of: 

• Purchase payments minus adjusted partial surrenders* 

• Contract value, less any purchase payment credits subject to reversal less pro rate portion of 

rider fees. 

1 


* When the contract value is higher than the minimum death benefit amount, adjusted partial surrenders reduce the death benefit 

dollar-for-dollar (i.e., $1 withdrawn reduces the death benefit by $1). When the contract value is below the minimum death benefit 

amount, adjusted partial surrenders reduce the death benefit proportionately (i.e., if the withdrawal was 5% of the contract value, the 

death benefit will be reduced 5%.) 

All guarantees are based on the continued claims-paying ability of the issuing insurance company and do not apply to the performance 

of the variable subaccounts, which will vary with market conditions. 


RAVA 4 and Prior RAVA series’ Enhanced Death Benefit Guarantees* 

Death 

Benefit 

Rider 

Maximum Anniversary 

Value (MAV) 

Availability Owner/Joint Owner (Annuitant if nonnatural 

ownership) 

Ages 0–75 

Nonqualified and qualified annuities 


Anniversary Value (MAV5) 

RAVA 4 and RAVA Plus annuities only 

Owner/Joint Owner (Annuitant if nonnatural 

ownership) 

Ages 0–75 

Nonqualified and qualified annuities 

Enhanced 

Earnings (EEB) 



ownership) 

Ages 0–75 (reduced 

benefit for ages 70– 

75) Nonqualified and 


Not available in IL, 

NY and WA 

Enhanced Earnings 

Plus (EEP) 

Owner/Joint Owner (Annuitant if 

non-natural ownership) 

Ages 0–75 (reduced benefit for 

ages 70–75) 

Nonqualified annuities purchased 

through a 1035 exchange. 

Qualified annuities purchased 

through an annuity-to-annuity 

transfer only. Not available in IL, 

NY and WA 



RAVA 4 and RAVA Plus 

annuities only Owner/ 

Joint Owner (Annuitant if 

non-natural ownership) 

Ages 76 or older 

Value of 

Benefit at 

Death 

Beneficiary receives the greatest of: 

•contract value, less any purchase 

payment credits subject to reversal 

less a pro rate portion of rider fees; 

or 

•purchase payments minus adjusted 

partial surrenders;** or 

•the maximum anniversary value 

(through age 80) as 

calculated on the most recent contract 

anniversary plus subsequent purchase 

payments made to the contract minus 

adjustments for partial surrenders 

since that contract anniversary. 

Cost 0.15% of contract value annually for 

contracts issued prior to May 1, 2003. 

0.25% of contract value annually for 

contracts issued May 1, 2003 and later. 

Maximum 

Benefit at 

Death 

Spousal 

Continuation 

EEP Vesting 

Schedule 

(percentages 

paid) 

No cap on MAV benefit. No reset 

of MAV once Owner/Joint Owner or 

Annuitant reach age 81. 


•contract value, less any purchase 

payment credits subject to reversal 

less a pro rate portion of rider fees; 

or 

•purchase payments minus adjusted 

partial surrenders;** or 

•the maximum anniversary value 

(through age 80) as calculated on 

the 5th contract anniversary plus 

subsequent purchase payments made 

to the contract minus adjustments 

for partial surrenders since that 

contract anniversary. 

Ages 0–69: 40% of 


Ages 70–75: 15% of 



effective date; 

consult prospectus 

for details. 

0.10% of contract value annually 0.30% of contract 

value annually 

No cap on MAV 5 benefit. No reset 

on MAV 5 once Owner/Joint Owner or 

Annuitant reach age 81. 

100% of purchase 

payments that are 

at least one year old 

and have not been 

withdrawn. 

Yes (Depending on age of spouse) Yes (Depending on age of spouse) Yes (Depending on 

age of spouse) 

Benefits that equal those 

payable under EEB plus: 

Ages 0–69: up to 20% of 

exchanged amount***; 

Ages 70–75: up to 7.5% of 

exchanged amount*** 

Age based on rider effective 

date; consult prospectus for 

details. 


annually 

Benefits which equal those 

payable under EEB plus Ages 

0–69: up to 20% of exchanged 

amount**; Ages 70–75: up to 

7.5% of exchanged amount** 

No. A spouse who is continuing 

the contract may convert to EEB 

if issue age requirements are 

met. 

N/A N/A N/A Ages 0–69: 0% in contract years 

1 and 2; 10% in contract years 3 

and 4; 20% in contract years 5+. 

Ages 70–75: 0% in contract 

years 1 and 2; 3.75% in contract 

years 3 and 4; 7.5% in contract 

years 5+. 

Beneficiaries receive the 

higher of: 

•Purchase payments 

minus adjusted partial 

surrenders** 

•Contract value, less 

any purchase payment 

credits subject to 

reversal less pro rate 

portion of rider fees. 


annually 

N/A 

Yes (Depending on age 

of spouse) 

N/A 

* None of the death benefits described on this page applies to contracts that have been annuitized. 

** When the contract value is higher than the minimum death benefit amount, adjusted partial surrenders reduce the death benefit dollar-for-dollar (i.e., $1 withdrawn 

reduces the death benefit by $1). When the contract value is below the minimum death benefit amount, adjusted partial surrenders reduce the death benefit 

proportionately (i.e., if the withdrawal was 5% of the contract value, the death benefit will be reduced 5%.) 

*** Subject to vesting schedule. 



RAVA 4 Series Living Benefits 


SecureSource® Flex 



No longer sold. 


The SecureSource Flex rider is an optional rider that provides a lifetime income guarantee after a 

3-year waiting period and beginning as early as the contract anniversary after age 65 (age 67 for joint 

in NY) (based on younger spouse’s age with the joint life benefit). It also provides a principal back 

guarantee through withdrawals over time, also available after the 3-year waiting period, for clients who 

need income before they are eligible for the lifetime guarantee. Up to 6% annual income is available 

with either guarantee. The SecureSource Flex benefit includes an annual, automatic Step Up feature to 

capture gains on the contract anniversary and potentially increase the amount of guaranteed income 

available. 


• Enrollment in the Portfolio Navigator program required. The availability of funds is based on whether 

the client has taken a withdrawal from the contract as follows: 

• At contract issue and prior to the first withdrawal, clients may elect and move among all five 

funds. 

• After their first withdrawal, clients can elect and move among the Moderate, Moderately 

Conservative and Conservative funds without affecting their guarantees. If clients are in the 

Moderately Aggressive or Aggressive fund when they take a withdrawal, their annuity assets will 

be automatically moved to the Moderate fund of funds. Clients who have taken a withdrawal and 

later elect the Moderately Aggressive or Aggressive fund will have their guaranteed benefit values 

reset based on the lesser of their contract value or their guarantees at that time. 

• Issue Ages: 0–80 for owner (annuitant if non-natural owner) and joint covered spouse. 

• Spousal continuation: single life benefit - rider terminates; joint life benefit - benefit continues. 

• Income adjustment feature: when the contract is performing well, clients will be eligible for up to 

6% annual income. In cases when the client’s contract value is 20% or more below the Withdrawal 

Adjustment Base* the client’s basic benefit and annual lifetime payment percentage will be adjusted 

to 5%. Market volatility, a prolonged flat or down market, the deduction of fees, or a combination 

of these factors could trigger this adjustment. However, taking withdrawals after the 3-year waiting 

period (up to the maximum allowed under the rider) will not cause the income percentage to be 

adjusted to 5%. The client brochure and product prospectus provide more information on this income 

adjustment feature. 

• Any withdrawals during the first three years will reset all benefits to zero until the end of the waiting 

period, including withdrawals clients are required to take as RMDs under federal tax law starting at 

age 70½. The guarantees will then be reestablished on the third contract anniversary to the contract 

value at that time. We recommend clients use another source for any income needs they may have 

during the first three years of their contract. 

• Beneficiaries may elect to take the Remaining Benefit Amount (RBA) through a level income stream 

over time instead of a lump sum death benefit. 

• Not available on RAVA 4 Access. 

• Fees: Single – 0.95%, Joint – 1.10%. Fees are based on the greater of the Remaining Benefit 

Amount or contract anniversary value and deducted on the contract anniversary. In the state of 

WA, fixed account balances are excluded. Fee is subject to increase. If there is a fee increase that 

results in a greater than 0.25 percentage point increase in the client’s current fee, they have the 

right to cancel the rider. Note: The client may not cancel the rider if their fee increase is a result of 

having moved to a more aggressive Portfolio Navigator fund. Clients may opt out of a fee increase 

but will forfeit future Step Ups (including spousal continuation Step Ups), Annual Credits, increases 

to the ALP, the ability to make additional purchase payments, and the ability to change to a more 

aggressive investment option. 

1 


2 




RAVA 4 Series Living Benefits (continued) 


SecureSource® guaranteed 

lifetime withdrawal benefit 1,2 

No longer sold. Replaced by 

the SecureSource Flex rider. 

Guarantor Withdrawal 

Benefit for Life® rider 1,2 

No longer sold. Replaced by 

the SecureSource® rider. 

Guaranteed Minimum 


(Accumulation Benefit) 

living benefit rider 1, 2 

No longer sold. 


The SecureSource rider is an optional rider that guarantees the return of purchase payments plus 

purchase payment credits (PPCs) through withdrawals over time, no matter how the market performs. 

Clients can withdraw up to 7% of the guaranteed amount every contract year until the guarantee is 

depleted or they can withdraw 6% (5.5% for joint in NY) each year — guaranteed for life — beginning on 

the contract anniversary after the single, covered person (oldest owner or for non-natural owners, oldest 

annuitant) turns age 65 (age 68 in NY). In addition to guaranteeing purchase payments and PPCs, the 

SecureSource benefit also locks in contract gains on every contract anniversary (before deduction for 

any rider fees). This “Step Up” of the guarantee is automatic unless there has been an increase in the 

rider fee; in that case existing clients are given the option to elect to step up their guarantee and incur 

the higher fee. 

SecureSource offers a choice between a single life benefit or a joint life benefit for two spouses. For the 

joint life benefit, the 6% lifetime guarantee is established on the contract anniversary following the 65th 

birthday of the younger spouse. 


• Enrollment in the Portfolio Navigator program required 

• The availability of funds is based on whether the client has taken a withdrawal from the contract as 

follows: 

• At contract issue and prior to the first withdrawal, clients may elect and move between all five 

funds. 

• After their first withdrawal, clients can elect and move between the Moderate, Moderately 

Conservative and Conservative funds without affecting their guarantees. If clients are in the 

Moderately Aggressive or Aggressive fund when they take a withdrawal, their annuity assets will be 

automatically moved to the Moderate fund. Clients who have taken a withdrawal and later elect the 

Moderately Aggressive or Aggressive fund will have their guaranteed benefit values reset based on 

the lesser of their contract value or their guarantees at that time. 

• Issue ages: 0–80 for owner (annuitant if non-natural owner) and joint covered spouse. 

• Fee: For sales prior to Jan. 26, 2009: 0.65% for the single life benefit or 0.85% for the joint life 

benefit. For sales on or after Jan. 26, 2009: 0.90% for the single life benefit or 1.15% for the joint life 

benefit. Fees are based on the greater of the remaining benefit amount or contract anniversary value 

and deducted on the contract anniversary. In the state of WA, fixed account balances are excluded. 

Fee is subject to increase. If fees are increased on existing contracts, clients who elect a step up or 

change model portfolios will incur the higher fee. 

• Benefit may vary by state; check the Variable Annuities section under Product Solutions on the 

AdvisorCompass portal for complete details. 

• For non-natural annuity ownership, the annuitant is measuring/triggering life. 

This rider guaranteed a 7% return of principal guarantee at any age and a 6% lifetime income 

guarantee starting on the contract anniversary after age 65 (age 68 in NY). 

Fee: 0.65% annual charge on the greater of the remaining benefit amount or contract value, deducted 

annually on the contract anniversary. Refer to the prospectus for more details. 

The Accumulation Benefit rider guarantees that at the end of a 10-year waiting period, regardless of 

how markets perform, clients are guaranteed the greatest of the following (adjusted for withdrawals): 

• 100% of their initial investment plus purchase payment credits 

• 80% of the highest contract anniversary value of the 10 years 

• The contract value 

Clients have the option to lock in 100% of their contract value on any contract anniversary with an 

Elective Step Up. If they choose the Elective Step Up, the 10-year waiting period will restart. Clients 

may be subject to a fee change. For more information on Elective Step Up fees, please see the “Living 

Benefits Chronology” section of this guide. 


• May not be electively terminated during the waiting period. 

• Enrollment in the Portfolio Navigator program required. For contracts issued on or after Jan. 26, 

2009, the Portfolio Navigator Aggressive fund is not an available investment option. 

• Purchase payments are only accepted for the first 180 days following contract issue. Purchase 

payments may also be accepted for 180 days after an elective 100% Step Up. 

• Group billing and bank authorization not available. 

• Not available on RAVA 4 Access. 

• Issue ages: 0–80. 

• Fee: Charged annually on the greater of the guaranteed value or contract value. For New York 

contracts, the fee is charged 60 days after the contract anniversary. Fee is subject to change. If the 

fee changes, existing clients will incur the new fee if they elect a 100% Step Up. Fee will not change 

for automatic 80% Step Up. We reserve the right to increase the fee and restart the 10-year waiting 

period if the client changes their investment option. For a history of previous fees, see the “Living 

Benefits Chronology” section of this guide. 

1 


2 


*For more information about the Withdrawal Adjustment Base, refer to the prospectus. 



RiverSource Retirement Advisor Advantage Plus®Variable Annuity 

(RAVA Advantage Plus) 




$1,000 initial payment for qualified annuities. $2,000 initial payment for nonqualified annuities 

(unless bank authorization or group billing arrangement). 

Maximum Purchase Payment For the first year: $999,999 for ages 0–85. $100,000 for ages 86–90. 

For each subsequent year, $100,000 up to age 85. $50,000 for ages 86–90. 

Note: Maximums apply based on attained age for all annuities purchased by the same individual. 

Payments exceeding these limits require corporate office approval. For non-TSA products, payments 

may only be made during the first 3 contract years in: MA, OR, WA. 




subaccounts) 

Purchase payment credits (PPCs) will be applied to accounts that are issued with an initial 

payment of $100,000+, or with a 10-year surrender charge schedule, or both (10-year schedule 

not available in OR). PPCs are applied with all payments, both initial and add-on, made during 

the life of the contract. 


Band Schedule PPC % 

Band 1 (< $100,000) 7 Year 0% 

Band 1 (< $100,000) 10 Year 1% 

Band 2 ($100,000–$999,999) 7 Year 1% 

Band 2 ($100,000–$999,999) 10 Year 2% 

Band 3 ($1 million or more/employees/advisors) 7 Year 2% 

Band 3 ($1 million or more/employees/advisors) 10 Year 3% 



$1mm or more Employees/Advisors (Band 3): 0.55% 

Surrender Charges Two options based on payment date: 7-year (7, 7, 7, 6, 5, 4, 2, 0%); 

10-year (8, 8, 8, 7, 7, 6, 5, 4, 3, 2, 0%)* 

(Only the 7-year surrender schedule is available in OR.) Payment based surrender calculation. 

Refer to the Surrender Charge Waivers at-a-Glance page. 

*In CT and UT, the 10-yr. schedule is (8, 8, 8, 7, 6, 5, 4, 3, 2, 1, 0%) 

RiverSource Retirement Advisor Select Plus®Variable Annuity (RAVA Select Plus) 




$2,000 initial payment for qualified annuities. $10,000 initial payment for nonqualified 

annuities (unless bank authorization or group billing arrangement). 

Maximum Purchase Payment For the first year: $1,000,000 for ages 0–85. $100,000 for ages 86–90. 







subaccounts) 


Purchase payment credits (PPCs) will be applied to Band 2 and Band 3 accounts. PPCs are 

applied only to payments made within the first contract year, including the initial payment. 


Band PPC % 

Band 1 (< $250,000) 0% 

Band 2 ($250,000–$999,999) 1% 

Band 3 ($1 million or more/employees/advisors) 2% 



$1mm or more (Band 3)/Employees/Advisors: 0.75%. 

Three-year surrender charge schedule based on contract date. Contracts sold in all states except 

Texas: (7,7,7,0%). In Texas, the surrender charge is based on premium date, with no surrender 

charges after the third contract anniversary: (8,7,6,0%). 




RAVA Advantage Plus & RAVA Select Plus Base Contract Features 



(most states) 


April 2004 (Nat’l) 

May 2005 (NY) 

Maximum Purchase Payment For the first year: $999,999 for ages 0–85. $100,000 for ages 86–90. 



Payments exceeding these limits require corporate office approval. For non-TSA products, payments 

may only be made during the first 3 contract years in: MA, OR, WA. 






Variable Investment Options 


(PN) Program 

Fixed Account 



Guarantee Period Account 

(GPA) Option (Not available 

in NY) 




$30 per year waived if contract value or total purchase payments less any payments 

surrendered is $50,000 or more on the current contract anniversary. 

Greater of: Contract earnings or 10% of previous contract anniversary contract value. 

Over 70 subaccounts from many fund families. 







analysis of the available underlying funds by Morningstar Associates, LLC. The Portfolio Navigator 

program is required with the living benefit riders. If elected as a standalone program without a living 

benefit, it can be terminated at any time. 



Fee: None. 

Initial interest rate guaranteed for one year and renews on an annual basis. 

Guaranteed Minimum Interest Rate varies by issue state and date. All contracts: Transfers out of 

the fixed account are generally limited to 30% of the fixed account value on the previous contract 

anniversary date. 

Refer to the Transfer Provisions page for details. 

Offered on a promotional basis, the DCA arrangement will transfer out in six monthly payments. 

Interest rates will be generally higher than those credited on the 1-year fixed account. Minimum 

investment is $10,000. Internal transfers into the SDCA are not permitted. 

Locks in the interest rate for one or more selected guarantee periods of 1–10 years. After that, 


adjustment (MVA) and withdrawals are subject to MVA plus any applicable surrender charge from a GPA 

bucket prior to the end of the guarantee period. 

Interest rate: Set bi-weekly. No minimum interest rate. Interest rate credited is the rate in effect on 

the effective date of the investment and is guaranteed for the entire term. 





Beneficiaries receive the higher of: 

• Purchase payments minus adjusted partial surrenders* 

• Contract value, less any purchase payment credits subject to reversal less pro rate portion of 

rider fees. 

* When the contract value is higher than the minimum death benefit amount, adjusted partial surrenders reduce the death benefit dollarfor-dollar 

(i.e., $1 withdrawn reduces the death benefit by $1). When the contract value is below the minimum death benefit amount, 

adjusted partial surrenders reduce the death benefit proportionately (i.e., if the withdrawal was 5% of the contract value, the death 

benefit will be reduced 5%.) 



RAVA Advantage Plus & RAVA Select Plus Death Benefits 





death benefit 1, 2 

Maximum Anniversary Value 

(MAV) death benefit 1, 2 


Anniversary Value (MAV5) 

death benefit 1, 2 


(EEB) death benefit rider 1, 2 


(EEP) death benefit rider 1, 2 

Death Benefit Rider Fee 

Discounts 


Pays out on death of the owner. If the owner is age 75 or younger at contract issue, the beneficiary will 

receive the greater of: 

· contract value, less any purchase payment credits subject to reversal, less a portion of applicable 

rider fees, or 

· purchase payments minus adjusted partial surrenders.** 

If the owner is 76 or older at contract issue, the beneficiary will receive contract value less any 

purchase payment credits subject to reversal, less a portion of applicable rider fees. Age limit applies 

to owner/joint owner. 

An owner age 76 or older at contract issue may elect this rider to add return of purchase 

payments to his or her standard death benefit less adjusted partial surrenders**. 

Fee: 0.20% annual charge on contract value (deducted at the end of the contract year). 


· contract value, less a portion of applicable rider fees; or 

· purchase payments minus adjusted partial surrenders**. or 

· the maximum anniversary value through age 80 (increased for additional purchase payments and 

decreased for adjusted partial surrenders). 

Age limit: Available to owner/joint owner through age 75. 




· purchase payments minus adjusted partial surrenders**. or 

· the maximum anniversary value as calculated every five years through age 80 (increased for 

additional purchase payments and decreased for adjusted partial surrenders). 



This option pays an additional death benefit of up to 40% (depending on issue age) to 

beneficiary based on the earnings in the contract. This benefit is designed to offset expenses 

that may be incurred at death, such as state and federal taxes. 

Issue ages 0–69: 40%; Issue ages 70–75: 15% 

Age limit: Available to owner/joint owner through age 75 (reduced benefit ages 70–75). 


Available on purchases of an annuity through exchange or direct transfer from another annuity or life 

insurance policy. In addition to providing the same benefit as EEB, EEP credits up to an additional 

20% (7.5% issue ages 70-75) on the transferred or exchanged annuity value. The credit is based on 

the value of the purchase payments at the time of the transfer and vests over 4 years, based on the 

following schedule (percentages paid): 

Issue ages 0–69: 0% in contract years 1 and 2; 10% in contract years 3 and 4; 20% in the 

5th year and thereafter. Issue ages 70–75: 0% in contract years 1 and 2; 3.75% in contract 

years 3 and 4 and 7.50% in the 5th year and thereafter. 


If you purchased certain combinations of the death benefits, the cost will be reduced. 

EEB or EEP + MAV reduces total combined rider cost by 10 bps 

EEB or EEP + MAV 5 YR reduces total combined rider cost by 5 bps 

EEB + MAV = 0.45%; EEB + MAV5 = 0.35%; EEP + MAV = 0.55%; EEP + MAV5 = 0.45% 

1 


2 


** When the contract value is higher than the minimum death benefit amount, adjusted partial surrenders reduce the death benefit 

dollar-for-dollar (i.e., $1 withdrawn reduces the death benefit by $1). When the contract value is below the minimum death benefit 

amount, adjusted partial surrenders reduce the death benefit proportionately (i.e., if the withdrawal was 5% of the contract value, the 

death benefit will be reduced 5%.) 



RAVA Advantage Plus & RAVA Select Plus Living Benefits 




(Accumulation Benefit) 

option 1,2 


Withdrawal Benefit 

(Withdrawal Benefit) living 

benefit rider 1, 2 


Accumulation Benefit rider guarantees the return of purchase payments plus purchase payment credits 

(adjusted for withdrawals) at the end of a minimum 10-year waiting period, no matter how the market 

performs. Each year on the contract anniversary, the guaranteed value is automatically reset to the 

greater of the existing guarantee or 80% of the contract anniversary value. Clients have the option 

to elect to step up the guarantee to 100% of the contract anniversary value. If they elect this 100% 

step-up, the 10-year waiting period will start over and may be subject to a fee change. For a history of 

previous fees, see the “Living Benefits Chronology” section of this guide. 


• May not be electively terminated during the waiting period. 

• Enrollment in the Portfolio Navigator program required. 

• Purchase payments are only accepted for the first 180 days following contract issue. Purchase 

payments may also be accepted for 180 days after an elective 100% step up 

• Group billing and bank authorization not available if GMAB is elected. 

• Issue ages: 0–80; Not available for 401(a)s. 

• Fee: 0.60% based on the greater of the guaranteed value or contract value. Fees are deducted 60 

days after each contract anniversary in New York. Fee is subject to increase. If the fee changes, 

existing clients will incur the new fee if they elect a 100% step-up. Fee will not change for automatic 

80% step-up. We reserve the right to increase the fee and restart the 10-year waiting period if the 

client changes their investment option. 

A rider that guarantees purchase payments and purchase payment credits through withdrawals over 

time, no matter how the market performs. Annual withdrawals not to exceed 7%. If the value of the 

contract increases, clients may elect to Step Up to a new benefit amount annually, on their contract 

anniversary (before deduction for any rider fees). Portfolio Navigator program required; may not be 

terminated at any time. 

Issue ages: 0–75; TSA ages: 60–75; not available for 401(a)s or 401(k)s. 

Fee: 0.60% of total contract value, deducted on contract anniversary. Rider charge may change 

based on Step Up election or funds changes. 

1 


2 




RiverSource Retirement Advisor Advantage®Variable Annuity (RAVA Advantage) 





August 2001 (Nat’l – most states) 

November 2002 (NY) 

$1,000 initial payment for qualified annuities. $2,000 initial payment for nonqualified annuities 


Maximum Purchase Payment For the first year: $999,999 up to age 85. $100,000 for ages 86–90. For each subsequent year, 

$100,000 up to age 85. $50,000 for ages 86–90. Note: Maximums apply based on attained age for 

all annuities purchased by the same individual or on the life of same annuitant. 






Risk Fee 







(PN) Program 

Fixed Account 


1) Contracts issued with a 10-year surrender charge schedule receive a 1% Special Credit on the initial 

purchase payment and all future purchase payments (10-year schedule is not available in OR or NY). 

2) Contracts issued for $100,000 or more receive a 1% Special Credit. 3) Contracts issued with both 

a 10-year surrender charge schedule and for $100,000 or more receive 2% on the initial purchase 

payment and all future purchase payments (not applicable in NY or OR). For Band 3 contracts ($1M or 

more), there are no purchase payment credits. 




$1mm or more (Band 3): 0.55% (no surrender charges for $1mm or more). 



Contingent deferred sales charge as a percentage of purchase payment surrendered. 2 options*: 

7-year (7, 7, 7, 6, 5, 4, 2, 0%) 

10-year (8, 8, 8, 7, 7, 6, 5, 4, 3, 2, 0%) – not available in NY 

Payment date-based surrender charge. 










analysis of the available underlying funds by Morningstar Associates, LLC. Clients can add and drop the 

Portfolio Navigator program at anytime. 

Clients who did not opt in to the dynamic models on 7/21/06 were not moved to the PN funds structure 

on 5/3/10. As a result, these clients will still be in static model portfolios. 

Fee: None. 


Guaranteed Minimum Interest Rate: 3%. 


Quarterly, semiannually or annually. Fixed account is not included. Available upon written request. 

1 


*Only the 7-year surrender charge schedule is available in OR and NY. 



RAVA Advantage (continued) 










If either the owner or annuitant dies, and both are age 80 or younger, the beneficiary receives 

the greatest of: a) contract value; b) contract value as of most recent 6th anniversary, plus any 

subsequent purchase payments, less any adjusted partial surrenders; or c) purchase payments less 

any adjusted partial surrenders. 

If either the owner or annuitant dies, and at least one of them is 81 or older, the beneficiary receives 

the greater of: a) contract value; or b) purchase payments less any adjusted partial surrenders. 3 

Age limit applies to owner/joint owner and annuitant. 



· purchase payments minus adjusted partial surrenders; 3 or 

· the maximum anniversary value through age 80 (increased for additional purchase payments and 


Age limit: Available to owner/joint owner or annuitant through age 75. 

Fee: 0.25% annual fee on contract value (end of year) for contracts issued 5/01/03 or later. 

Prior to 5/01/03, annual fee was 0.15%. 

The EEB pays an additional death benefit of up to 40% (depending on issue age) to the 

beneficiary based on the earnings in the contract. This benefit is based on issue ages as follows: 

Issue ages 0–69: 40% 


Age limit: Available to owner/joint owner or annuitant through age 75 (reduced benefit ages 70–75). 

Fee: 0.30% annual fee on contract value (end of year). 

Not available in: IL, NY or WA. 







5th year and thereafter. 

Issue ages 70–75: 0% in contract years 1 and 2; 3.75% in contract years 3 and 4 and 7.50% in 



Fee: 0.40% annual fee on contract value (end of year). 


1 


2 

All additional riders must be added at time of purchase. 

3 

When the contract value is higher than the minimum death benefit amount, adjusted partial surrenders reduce the death benefit dollarfor-dollar 






RiverSource Retirement Advisor Select®Variable Annuity (RAVA Select) 





February 2002 (Nat’l – most states) 

November 2002 (NY) 

$2,000 initial payment for qualified annuities or a $10,000 initial payment for nonqualified annuities 




all annuities purchased by the same individual or on life of same annuitant. Payments exceeding these 

limits require corporate office approval. 


Issue Age Limit (applies 

to owner and annuitant) 


Risk Fee 







(PN) Program 

Fixed Account 


1% for all payments in first year if initial purchase payment is $250,000 or more. 




$30 per year waived if contract value or total purchase payments less any payments surrendered is 

$50,000 or more on the current contract anniversary. 

Three-year surrender charge schedule based on contract date. Contracts sold in all states except 

Texas: (7,7,7,0%). In Texas, the surrender charge is based on premium date, with no surrender 

charges after the third contract anniversary: (8,7,6,0%). 










analysis of the available underlying funds by Morningstar Associates, LLC. Clients can add and drop 

the Portfolio Navigator program at anytime. 



Fee: None. 




Quarterly, semiannually or annually. Fixed Account is not included. Available upon written request. 

1 


2 




RAVA Select (continued) 










If either the owner or annuitant dies, and both are age 80 or younger, then the beneficiary receives the 

greatest of: 

• contract value; 

• contract value as of most recent 6th anniversary, plus any subsequent purchase payments, less any 

adjusted partial surrenders; or 

• purchase payments less any adjusted partial surrenders; 3 

If either the owner or annuitant dies, and at least one of them is 81 or older, then the beneficiary 

receives the greater of: 

• contract value; or 

• purchase payments less any adjusted partial surrenders. 



• contract value, less a portion of applicable rider fees; or 

• purchase payments minus adjusted partial surrenders; 3 or 

• the maximum anniversary value through age 80 (increased for additional purchase payments and 


Age limit: Available to owner/joint owner or annuitant through age 75. 

Fee: 0.25% annual fee on account value (end of year) for contracts issued 5/01/03 or later. 

Prior to 5/01/03, annual fee was 0.15%. 

The EEB pays an additional death benefit of up to 40% (depending on issue age) to the beneficiary 

based on the earnings in the contract. This benefit is based on issue ages as follows: 




Fee: 0.30% annual fee on account value (end of year). 









Issue ages 70–75: 0% in contract years 1 and 2; 3.75% in contract years 3 and 4; and 7.50% 

in the 5th year and thereafter. 




1 


2 


3 

When the contract value is higher than the minimum death benefit amount, adjusted partial surrenders reduce the death benefit dollarfor-dollar 






RiverSource Retirement Advisor Variable Annuity®(RAVA) 




September 1999 (Nat’l – most states) 

September 2000 (NY) 



all annuities purchased by the same individual or on life of same annuitant. For non-TSA products, 

payments may only be made during the first 3 contract years in: MA, OR and WA. 




1) Contracts issued with a 10-year surrender charge schedule receive a 1% Special Credit on the 

initial purchase payment and all future purchase payments (10-year schedule is not available in 

OR or NY). 2) Contracts issued for of $100,000 or more receive a 1% Special Credit. 3) Contracts 

issued with both a 10-year surrender charge schedule and for $100,000 or more receive a 2% 

credit on the initial purchase payment and all future purchase payments (not applicable in NY or OR). 

For Band 3 contracts ($1m or more), there are no purchase payment credits. 

Legal to age 90 at last birthday. 

Mortality and Expense Fee Nonqualified: 0.95% 


$1M and more (Band 3): 0.55%. 




Surrender Charges 2 options: 7-year (7, 7, 7, 6, 5, 4, 2, 0%) 

10-year (8, 8, 8, 7, 7, 6, 5, 4, 3, 2, 0%) – Not available in NY or OR 

The surrender charge is selected by the owner at the time of application. A surrender charge 

applies if all or part of the surrender amount is from purchase payments received within 7 to 

10 years before surrender. There are no surrender charges for Band 3. 






(PN) Program 

Fixed Account 









analysis of the available underlying funds by Morningstar Associates, LLC. Clients can add and drop 

the Portfolio Navigator program at anytime. 



Fee: None. 




1 




RAVA (continued) 






(EEB) death benefit rider 1,2 


If either the owner or annuitant dies, and both are age 80 or younger, then the beneficiary 

receives the greatest of: 

• contract value; 

• contract value as of most recent 6th anniversary, plus any subsequent purchase payments, 

less any adjusted partial surrenders; or 


If either the owner or annuitant dies, and at least one of them is 81 or older, then the 

beneficiary receives the greater of: 

• contract value; or 




• contract value, less a portion of applicable rider fees; or 

• purchase payments minus adjusted partial surrenders; or 

• the maximum anniversary value through age 80 (increased for additional purchase payments and 




Available in all states. 

The EEB pays an additional death benefit of up to 40% (depending on issue age) to the 

beneficiary based on the earnings in the contract. This benefit is based on issue ages as follows: 






1 


2 




Flexible Portfolio Annuity (FPA) — Q and NQ 



Introduction Date (most states) March 1996 

Purchase Payments 


(applies to owner) 

Minimum: Single Pay: $2,000 NQ or $1,000 TQ. Installment: Must be B.A. or Group/PDS of 

$600 per year; $50 per month or $23.08 biweekly. 

Maximum: Year 1: $999,999 through age 75. $500,000 ages 76–85. $50,000 ages 86–90. 

Each subsequent year: $100,000 up to age 85; $50,000 for ages 86–90. 

Applies to both annuitant and owner. Legal age to 90 at last birthday. 

Surrender Charge Year 1–3 7% 

4 6% 

5 5% 

6 4% 

7 3% 

8 2% 

Thereafter 0% 

Declining % based on purchase payment(s) surrendered, but measured from contract date. 

Waives surrender charges for Minimum Required Distributions on tax-qualified plan and also when 

confined to nursing home for 90 consecutive days. 





Fixed Account 

Death Benefit 

Contract earnings may be withdrawn anytime without surrender charges applying. 


No initial sales load. 

$30 annual contract charge waived when either net payment(s) less withdrawals or contract value 

equals $25,000 or more. 1.25% mortality and expense fee. 1 

13 subaccounts from many fund families. 


Guaranteed Minimum Interest Rate: 3%. Refer to the Transfer Provisions page for details. 

Prior to annuitization it is the greater of current contract value, contract value as of most recent 

6th contract anniversary, or premium(s) paid, less withdrawals. (At annuitant’s age 75 or later, it 

is the greater of current contract value or contract value as of most recent 6th contract anniversary.) 

1 

Mortality and expense risk fee is not deducted from the contract value. This fee is charged against the underlying fund or separate 

account thereby affecting unit values. 



Flexible Annuity (FLEX) — Q and NQ 

Preferred Retirement Annuity (January 1989 to June 1996) was based on Flex NQ contract. 


Introduction Date (most states) May 1986 



(applies to owner) 






Fixed Account 

Death Benefit 


Minimum: Single Pay: $2,000 NQ or $1,000 TQ. Installment: Must be B.A. or Group/PDS of 

$600 per year; $50 per month or $23.08 biweekly. 

Maximum: Year 1: $999,999 through age 75. $500,000 ages 76–85. $50,000 ages 86–90. 

Each subsequent year: $50,000. 1 

Applies to both annuitant and owner. Legal age to 90 at last birthday. 2 

Flat 7% of purchase payment(s) surrendered within the most recent 6 years. Contract earnings and purchase 

payment(s) more than 6 years old are surrendered first without charge. In all states except OR and WA, no 

surrender charge applies upon the later of annuitant’s age 65 or the 10th contract anniversary. Surrender 

charge % based on purchase payment(s) surrendered and measured from each purchase payment date. 

Waives surrender charges for Minimum Required Distributions on tax-qualified plans. 


Contract earnings may be withdrawn anytime without surrender charges applying, except purchase 

payments more than 6 years old are surrendered without charge. 


$6 quarterly contract charge; $24 annually. 

1% mortality and expense fee. 3 



Guaranteed Minimum Interest Rate: 3% or 4% depending on issue date and state. 


Prior to annuitization it is the greater of current contract value, contract value as of most recent 6th 

contract anniversary, or premium(s) paid, less withdrawals. (At annuitant’s age 75 or later, it is the 

greater of current contract value or contract value as of most recent 6th contract anniversary.) 4 

1 

Maximums apply in total for all annuities purchased by same individual. 

2 

In Pennsylvania, annuitant must be age 77 or younger. 

3 

Mortality and expense risk fee is not deducted from the contract value. This fee is charged against the underlying fund or separate account 

thereby affecting unit values. 

4 

For Flexible Annuity in OR, TX and WA, the death benefit value before annuitant’s age 75 is the greater of the contract value or 

premium(s) paid, less withdrawals; at 75 or later, the contract value. 



Employee Benefit Annuity (EBA) — 403(b) and 501(c)3 Markets 



Introduction Date (most states) March 1993 

Purchase Payments Minimum: Single Pay: $1,000; Installment: $300 per year/$25 months. Year 1: $999,999 

through age 75. 

Maximum: $500,000 ages 76–85. $50,000 ages 86–90. 

Each subsequent year: $50,000. Subject to IRS limits. 1 







Fixed Account 

Death Benefit 


8% of account value (including earnings) years 1–4, decreases 1% each year until 0 in 12th 

year. Based on certificate year. 

No charge if retire at age 55 or later, or death or annuitization. 

Surrenders subject to 403(b) restrictions. 


No free withdrawals. 


$30 annual charge. 






Greater of certificate value or total payments less previous surrenders. 

Certificate value for age 75+. 

1 

Maximums apply in total for all annuities purchased by same individual. 

2 

Mortality and expense risk fee is not deducted from the contract value. This fee is charged against the underlying fund or separate account 

thereby affecting unit values. 



CRA, VRA, Fund A and Fund B (Non-NY) 



(most states) 


CRA – Q and NQ 

(Combination) Flex Pay 

*Also sold as Innovest II 

(Qualified only) 

VRA – Q and NQ 

(Variable) Single Pay 

Fund A 

Nonqualified 

Fund B 

Qualified 

November 1983 July 1982 October 1973 October 1973 

Minimum: CRA (flex): Same as VRA (single): $5,000 no add-ons 

Maximum: CRA: $50,000 per contract year 1 

VRA: $250,000 single payment, no add-ons 1 

Issue Ages Applies to both annuitant and owner. Legal age to 65 at last birthday. Same as CRA/VRA 




CRA 

Year 1–5 7% 

6 6% 

7 5% 

8 4% 

9 3% 

10 2% 

11 1% 

Thereafter 0% 

VRA 

Year 1 7% 

2 6% 

3 5% 

4 4% 

5 3% 

6 2% 

7 1% 

Thereafter 0% 

Waives surrender charges for Minimum Required Distributions on 

tax-qualified plans. 

Refer to the Surrender Charge Waivers at-a-Glance page 

CRA: No free withdrawals. 

Surrender charges apply to all 

withdrawals. 

VRA: After first contract year, 

up to 10% of the payment may 

be withdrawn without surrender 

charges applying. 

*Also named: Individual Flexible 

Payment or Flexible Payment annuity. 

Minimum: Single pay: $3,000. 

Flex pay: $50 monthly 

Maximum: $50,000 per contract year 1 

Not applicable 

All amounts can be withdrawn anytime 

without charge 


Variable Investment 

Options 

Fixed Account 

Death Benefit 

– Loads are 

No initial load. 

No initial load. 

Front End Sales Load 

1% mortality and expense fee. 2 No contract charge. 

$30 annual contract charge. $20 annual contract charge. different depending upon version and 

(Innovest and CRA, Series 3); 

series. Call Service Delivery for 


$25 (Innovest, Series 1) 

specific costs. 


12 subaccounts from many fund families. RiverSource Core Equity 

Initial interest rate guaranteed 

for one year and renews on 

an annual basis. 

Guaranteed Minimum Interest 

Rates: For contracts issued 

prior to 7/28/82: 4% for years 

1-20, 3.5% thereafter. 

Otherwise: 4% for the life of 

the contract. 

Refer to the Transfer Provisions 

page for details. 

No fixed account. 

Nonqualified: Contract value or premium less partial surrenders, 

whichever is greater (attained age 75 and older, contract value) 

Qualified: Contract value or premium, whichever is greater 

Initial interest rate guaranteed for one 

year and renews on an annual basis. 

Guaranteed Minimum Interest Rates: 

For contracts issued prior to 

10/15/1973: 3%. 

For contracts issued between 10/15/73 

and 12/31/75: 5% for years 1-5, 4% for 

years 6-10, 3.5% for years 11-25, and 

3% thereafter. 

For contracts issued 1/1/76 and later: 

4% for years 1-20, 3.5% thereafter. 

Same as CRA/VRA 

1 

Maximums apply in total for all annuities purchased by same individual or on life of same annuitant. 

2 

Mortality and expense risk fee is not deducted from the contract value. This fee is charged against the underlying fund or separate 

account thereby affecting unit values. 


Previously Sold Wells Fargo Variable Annuities 

Wells Fargo Advantage®Builder Select Variable Annuity 



(most states) 



April 2004 

Was available in 40 states: 

AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, ME, MA, MI, MS, MO, 

NE, NV, NM, NC, ND, OH, PA, RI, SC, SD, TN, TX, VA, WV, WI, WY. 

Minimum Purchase Payment Initial: $10,000. 

Additional: Systematic Investment Plan all other types: $100 

Maximum Purchase Payment $1M 

Credit Feature 



Up-front credit on each purchase payment based on the total net payments made for the life of 

the contract. 

$0–10K NA 

$10–24K 2% 

$25–99K 2% 

$100–249K 3% 

$250–$5M 4% 

85 

Mortality and Expense Fee Base: 1.25%, Account Administration Charge: 0.15% 


$40 per year waived at contract value of $50,000 or more. 

Surrender Charge 8-year: (8, 8, 8, 8, 8, 6, 4, 2, 0%). 

(Note: A new withdrawal charge schedule applies for 8 years following each purchase payment received.) 

Enhanced Withdrawal Charge Schedule: 6-year (8, 8, 8, 6, 4, 2, 0%) 

available for an additional fee of 0.25%. 

(Note: A new withdrawal charge schedule applies for 6 years following each purchase payment received.) 




Return of Payment (ROP) 

death benefit 


(MAV) death benefit 

5% Accumulation Death 

Benefit 

Enhanced Death Benefit 

(EDB) death benefit 

Benefit Protector® (BP) 

death benefit rider 

Benefit Protector® Plus 

(BP+) death benefit rider 

Income Assurer Benefit SM 

(IAB) rider 

The Guarantor SM Withdrawal 

Benefit (GWB) rider 

Greatest of: 10% of beginning of year contract value or cumulative earnings. 


Greater of contract value or purchase payments, adjusted for withdrawals. 

Fee: None. 

Greatest of contract value, ROP or MAV. 

Fee: 0.20% added to M&E. 

Greatest of contract value, ROP or the Variable Account 5% floor. 


Greatest of contract value, ROP, MAV or the Variable Account 5% floor. 


Only available with ROP and MAV. 

Fee: 0.25% annually of contract value. 

Only available for exchanges, transfers and rollovers. Only available with ROP and MAV. 

Fee: 0.40% annually of contract value. 

Only available with the MAV, 5% or EDB death benefits. Not available with GWB rider. 

Fees: IAB – MAV: 0.55% annually of benefit base 

IAB – 5% Accumulation: 0.70% annually of benefit base 

IAB – Greater of MAV or 5%: 0.75% annually of benefit base 

Only available with the MAV, 5% or EDB death benefits. Not available with IAB riders. 

Fee: 0.55% annually of contract value. Fee may change if Annual Elective Step-Up option exercised. 

Effective Jan. 26, 2009 additional purchase payment restrictions apply. Consult the Purchase Payment 

Restrictions section for details. 


Previously Sold Wells Fargo Variable Annuities 

Wells Fargo Advantage®and Wells Fargo Advantage®Builder 

Product Features Wells Fargo Advantage® Wells Fargo Advantage®Builder 


(most states) 

April 2000 April 2000 

State Availability All states except: MA, NH, NJ, NY, OR, PA, VA All states except: MA, NH, NJ, NY, PA, VA 

Minimum Purchase Payment $2,000 ($5,000 in SC, TX and WA) $100,000 

Maximum Purchase Payment $99,999 

$1,000,000 without prior approval 

Credit Feature Not applicable Based on total payments less total withdrawals. 

$100,000 – $999,999: 2% 

$1M – $4,999,999: 3% 

$5M+: 4%. 


owner and annuitant 

85 85 

Mortality and Expense Fee Base: 1.05% 

Account Administration Charge: 0.15% = 1.20% 

Base: 1.10% 

Account Administration Charge: 0.15% = 1.25% 

Contract Charge $30 per year waived at contract value of $50,000. $30 per year waived at contract value of $50,000. 

Surrender Charges 7-year (8, 8, 7, 6, 5, 4, 2, 0%). 




Greatest of: 15% of beginning of year contract 

value or cumulative earnings. 

8-year (8, 8, 8, 8, 8, 6, 4, 2, 0%). 


Greatest of: 10% of beginning of year contract 

value or cumulative earnings. 

Investment Choices 37 fund choices from many fund families. 37 fund choices from many fund families. 

Fixed Account 

Death Benefit Base 

Enhanced Death Benefit 

(EDB) death benefit 

1-year fixed, 2–10 Guaranteed Period Accounts 

(MVA) — not available in MD, OR, TX and WA. 

Greatest of: contract value, purchase payments 

adjusted for withdrawals or MAV 


adjusted for withdrawals, MAV, or 5% Rising 

Floor (0.20% annual fee available to annuitants 

79 or younger) — not available in WA. 

1-year fixed, 2–10 Guaranteed Period Accounts 

(MVA) — not available in MD, OR, TX and WA. 

Greatest of: contract value, purchase 

payments adjusted for withdrawals or MAV. 

DCA Bonus 6 months, two tiers: $10,000+ and $50,000+ 6 months: $100,000+ 

GMIB 

Income-based benefit equals the greatest of: 

contract value, purchase payments adjusted for 

withdrawals, MAV or 5% Rising Floor. [70 bps 

annual charge/must be purchased with 

Enhanced Death Benefits – must be 75 or 

younger (not available in ND, OR, WA)]. 


adjusted for withdrawals, MAV, or 5% Rising Floor 

(0.20% annual fee available to annuitants 79 or 

younger) — not available in WA. 

Income-based benefit equals the greatest of: 

contract value, purchase payments adjusted 

for withdrawals, MAV or 5% Rising Floor. [70 

bps annual charge/must be purchased with 

Enhanced Death Benefits – must be 75 or 

younger (not available in ND, OR, WA)]. 


Previously Sold Fixed Annuities 

RiverSource®Index 500 Annuity (I500) 



(most states) 


Markets 





Guaranteed Minimum Return 

Term Length 

Participation Rate 

Midterm Surrender 

Participation Rate 

Interim Interest 

Earnings Protection Benefit 







May 1997 

Was available in all states except: CT, OK, OR, MA, NJ, NY and WA. 


Legal age to 90 at nearest birthday. 


$999,999 through age 90. Note: Maximum applies in total for all annuities purchased by the same 

individual or on the life of same annuitant. Higher limits available with corporate office approval. 

The Index 500 provides a guaranteed return of a 3% annual effective return applied to 90% of the 

client’s single premium. At minimum, this guarantee is 110.69% of the original single premium at the 

end of the term, assuming no surrenders have been made. 

Seven years 

Interest earnings for the Index 500 are linked to changes in the S&P 500 (excluding dividends) 

through a participation rate (see the weekly Price Card for the current participation rate). The 

participation rate is the percentage of the S&P 500 increase credited to the contract if the S&P 500 

increases in value over the term. The full participation rate applies in the following circumstances: 

contracts held for the full 7-year term, annuitization, death and qualifying nursing home confinement. 

The midterm surrender participation rate applies to midterm partial or full surrenders. 

Withdrawals made during the term will participate in a portion of any increase in the S&P 500 since 

the beginning of the term, through a reduced midterm surrender participation rate. Note: Because 

of the reduced midterm surrender participation rate, it is not recommended that the Index 500 be 

purchased to provide systematic income through partial withdrawals during the 7-year term. 

Interest credited to the single premium from the contract date to the date of the start of the first 

term. Interim interest is also credited from the end of each term to the start date of the following 

term. The initial interim interest rate is listed on the contract data page. This rate may change from 

time to time. However, interim interest will accrue at an annual effective rate of not less than 3%. 

This feature safeguards the interest earnings in the annuity by providing a secondary lock or floor 

under the following conditions. If, from the start of a term: 

• The S&P 500 increases by at least a threshold percentage and, 

• Then declines to less than the threshold percentage at the end of the annuity’s term, 

• Interest earnings for the term will be calculated based on the earnings protection threshold 

percentage (if the contract is held to the end of the term). 

Of course, if the S&P 500 ends the 7-year term (using the 26-week averaging of the S&P 500 for 

the end of the term) at a point higher than the secondary lock amount, the interest earnings will be 

calculated based on the actual increase of the S&P 500. 

Level 7% for withdrawals in excess of the 10% free withdrawal amount during any year for the 

7-year term. Circumstances that allow for surrender-charge-free access and utilization of the full 

participation rate: 

• Settlement payments under an annuity payment plan (annuitization). 

• Nursing home confinement, if the owner is less than age 76 when the contract is issued and the 

owner (or owner’s spouse) is in a nursing home for 90 days (not available in Pennsylvania). 

• Full or partial surrenders made during the 15-day window period following the end of the term. 

Amounts payable as death benefits. 

Note: There are no surrender charges assessed for the IRS-required minimum distributions at or 

after age 70½. However, these withdrawals will participate in a portion of any increases of the S&P 

500 through the reduced midterm surrender participation rate, not the full participation rate. 


Up to 10% of the value at the beginning of any contract year may be surrendered without charge, 

at any time during that year. 

Accumulation Value. 

None 



Advantage Fixed Annuity Series 


Value Plus 

Advantage 

Access 

Advantage 

Rate 

Advantage 1 

Rate 

Advantage 3 

Extra Credit 

Advantage 


(most states) 

July 2000 

Markets 








$999,999 – Higher limits available with corporate office approval. Note: Maximums apply in total 

for all annuities purchased by the same individual. 


None 

Surrender Charge Year 1 10% 

2 9% 

3 8% 

4 7% 

5 6% 

6 5% 

7 4% 

8 3% 

9 2% 

10 1% 

Thereafter 0% 



Year 1 10% 

2 9% 

3 8% 

4 7% 

5 6% 

6 5% 

7 4% 

8 3% 

9 2% 

10 2% † 

Thereafter 0% 

Year 1 9% 

2 8% 

3 7% 

4 6% 

5 5% 

Thereafter 0% 


Year 1 10% 

2 9% 

3 8% 

4 7% 

5 6% 

6 5% 

7 4% 

8 3% 

9 2% 

10 1% 

Thereafter 0% 

Year 1 8% 

2 7% 

3 6% 

4 5% 

5 4% 

6 3% 

7 2% 

8 1% 

Thereafter 0% 


at any time during that year. Note exception: Access Advantage allows the greater of 10% of 

beginning of year contract value or cumulative earnings. 

Initial Rate Guarantee Period 1 year 2 years 1 year 1 year for initial rate 1 

2 years for base rate 

1 year 

Additional Interest Rate 



Guarantee* 

See annual rate 

bonus grade-off 

3% 

Not applicable .25% rate bonus 3% rate bonus See Extra Credit 

provision 

Annual Rate Bonus Grade-Off 

(Value Plus Advantage only) 

Extra Credit Provision 

(Extra Credit Advantage only) 


(Pre-settlement) 

Provides an initial rate that is 50 basis points higher than its base rate. RiverSource Life reduces 

this extra 50 basis points over a 10-year period corresponding to the reduction of surrender charges 

to 0% over 10 years. The extra 50 basis points will reduce by approximately 5 basis points per year. 

Receives up front 1% extra credit for $2,000 – $24,999, 2% for $25,000 – 99,999, 3% for 

100,000+. Extra credit amounts are reversed for free-looks and for settlements in year 1 . 

Also for $1 million and above, base rates are 80 basis points higher than other bands. 

Contract value (no surrender charge) at death of contract owner (at death of annuitant for 

non-natural contract ownership; e.g., trusts). Death of annuitant when different than owner does 

not trigger distribution unless non-natural contract ownership. 

1 

Initial rate (base rate plus first-year bonus) is guaranteed for year 1. In addition, base rate (initial rate less 3% 1st year bonus) is 

guaranteed for Year 2. 

2 

Access Advantage has a slightly different surrender charge schedule for IN, OR and PA. In these states, the 10th year surrender 

charge is 1%. 



RiverSource®Guaranteed Term Annuity (GTA) 



(most states) 


Markets 



December 1996 

Was available in all states except: OR, NY, PA. 


$5,000; no add-ons 

Maximum Single Payment 999,999 through age 90. 





Market Value Adjustment 


First-year Interest Rate Bonus 





Death Benefit 


None 

Issue rate guaranteed for 1–10 years based on term owner chooses. 

Market Value Adjustment = Market Adjusted Value – Accumulation Value. (See prospectus or reference 

manual for market adjusted value formula.) Amount of market value adjustment varies, and depends 

on how in-force rates compare to new business rates. May be positive or negative. Made for any 

surrender or annuitization except: (1) on last day of guarantee period; or (2) for “free looks” 

(all IRAs; all individual contracts). 

3% on all terms. 

Not applicable. 

Charged against the market adjusted value surrendered during the first 8 years only. Keyed to 

guarantee period chosen. Starts at the lesser of the number of years chosen or 8%, and 

decreases 1% per year. 0% last day of guarantee period. Restarts each renewal period at the 

lesser of the number of years chosen or the number of years to the 8th anniversary, and 

decreases 1% per year. 

Surrender charge waived for Minimum Required Distributions on tax-qualified plans. 


After first contract year, up to 10% of the accumulation value at the beginning of the year may 

be surrendered without surrender charge at any time. There will be a market value adjustment if 

surrendered at any time other than at the end of a guarantee period. 

Contract value. 



Fixed Retirement Annuity (FRA) 



(most states) 

Markets 



January 1984 



Maximum Single Payment $999,999 through age 75. 

500,000 ages 76–85. 

50,000 ages 86–90. 

Total for all contracts owned. 






No annual contract charge. 

Initial Guarantee Period 1 year (3- and 5-year guarantees were also available from 8/19/85–12/23/86.) 

Minimum Guaranteed 

Interest Rate 

First-Year Interest Rate Bonus 


4% for first 20 years followed by 3.5% thereafter for contracts issued prior to 5/1/94 (used until 

12/95 in FL, NJ, PA); otherwise 3% for the life of contract. 

No. 


2 6% 

3 5% 

4 4% 

5 3% 

6 2% 

7 1% 

Thereafter 0% (May not apply if bailout contract) 




Death Benefit 

After first contract year, up to 10% of value at beginning of the contract year may be surrendered 

without charge, at any time during that year. 




Fixed Retirement Annuity Value Plus (FRA-VP) & Extra Rate (FRA-XR) 



(most states) 

Markets 




Fixed Retirement Annuity — Value Plus 

(FRA-VP) 

May 1990 March 1996 



(In Pennsylvania, annuitant must be age 82 or younger.) 


Maximum Single Payment 1 $999,999 through age 75. 

$500,000 ages 76–85. 

$50,000 ages 86–90. 




Minimum Guaranteed 

Interest Rate 

First-year Interest Rate 

Bonus (credited in the 

first year) 

None. 

1 year. 

Fixed Retirement Annuity — Extra Rate 

(FRA-XR) 

$999,999 through age 90. 


3% for most contracts issued 1/1/94 or later. All Value Plus contracts issued prior to 1/1/94 

have minimum guaranteed rates of 4% for the first 20 years and 3.5% thereafter. 

No. 1 Yes. 1.25% during 3/13/96–7/5/99. 

– 2.00% thereafter. 

NY – 1.00% 


2 9% 

3 8% 

4 7% 

5 6% 

6 5% 

7 4% 

8 3% 

9 2% 

10 1% 

Thereafter 0% 

Surrender charge waived for Required Minimum 

Distributions on tax-qualified plans. 

Refer to the Surrender Charge Waivers 

at-a-Glance page. 



Death Benefit 

Year 1 7% 

2 6% 

3 5% 

4 4% 

5 3% 

6 2% 

7 1% 

Thereafter 0% 

Surrender charge waived for Required Minimum 

Distributions on tax-qualified plans. 

Refer to the Surrender Charge Waivers 

at-a-Glance page. 


at any time during that year. 


1 

The FRA-VP provided an initial rate that was 50 basis points higher than its base rate. This extra 50 basis points was reduced over 

a 10-year period corresponding to the reduction of surrender charges to 0% over 10 years. The extra 50 basis points reduced by 

approximately 5 basis points per year. 


Annuity Fees (NOTE: Fees are subject to change.) 

Current Products 

Mortality and 

Expense Fees 

RAVA 5 Advantage 7/19/10 - 4/29/12 

7-year Nonqualified/ 




4/30/12 - 4/28/13 





4/30/13 and after 

7-year: 1.10% (through 

year 10); 

0.95% (years 11+) 

10-year: 0.95% 

RAVA 5 Select 7/19/10 - 4/29/12 

Nonqualified/Qualified: 

1.20% 

4/30/12 - 4/28/13 


1.30% 


1.35% (through year 10); 

0.95% (years 11+) 

RAVA 5 Access 7/19/10 - 4/29/12 


1.35% 

4/30/12 - 4/28/13 


1.45% 


1.50% (through year 10); 

0.95% (years 11+) 

Admin. 

Fees 

Contract Charges and Optional Rider Fees 

N/A $30 annually; waived if CV is ≥ $50,000 

MAV – 0.25% 

MAV5 – 0.10% 

5% ADB – 0.40% 

EDB – 0.45% 

BP – 0.25% 

BP+ – 0.40% 

ROPP – 0.35% 

SecureSource 3: 

• 1.20% Single Life and 1.30% Joint Life. Max fee = 2.25% 

SecureSource 3 NY: 

• 1.10% Single and Joint Life. Max fee = 2.25% 

SecureSource Stages 2: 

• For contracts issued 2/27/12 – 4/29/12: 1.50% Single Life and 

1.75% Joint Life 

• For contracts issued 11/14/11 - 2/26/12: 1.10% Single Life 

N/A 

and 1.35% Joint Life 

• For contracts issued 7/19/10 - 11/13/11: 0.95% Single Life 

and 1.15% Joint Life 

• Max fee - Single 1.75%; Joint: 2.25% 

SecureSource Stages 2 NY: 

• For contracts issued 2/27/12 – 4/29/12: 1.50% Single and 

Joint Life 

• For contracts issued 11/14/11 - 2/26/12: 1.15% Single and 

Joint Life 

N/A • For contracts issued 7/19/10 - 11/13/11: 1.00% Single and 

Joint Life 

• Max fee - Single and Joint: 1.75% 

Accumulation Protector Benefit: 

• For contracts issued 7/19/10 - 10/3/10: 1.25% 




• For contracts issued on or after 10/18/14: 1.00% 

Previously sold products below 

Innovations Select 

RAVA 4 Advantage 

RAVA 4 Select 

1.05% 7-year 

0.85% 10-year 

1.05% Nonqualified 

0.85% Qualified 



0.15% $40 annually; waived if CV or total purchase payments are ≥ 

$50,000 

MAV – 0.25% 

5% DB – 0.40% 

EDB – 0.45% 

BP – 0.25% 

BP+ – 0.40% 

SecureSource Stages – 1.10% for single; 1.35% for joint. Max fee - 

2.00% single; 2.50% joint 

N/A 

N/A 

$30 annually; waived if CV or total purchase payments are ≥ 

$50,000 

MAV – 0.25% 

MAV5 – 0.10% 

EEB – 0.30% 

EEP – 0.40% 

ROPP – 0.20% 

SecureSource Flex – 0.95% for single; 1.10% for joint 

SecureSource – For sales prior to 1/26/09: 0.65% for single; 

0.85% for joint (0.65% for single and joint NY). For sales on or after 

1/26/09: 0.90% for single; 1.15% for joint. (0.90% for single and 

joint NY) 

GWB for Life – 0.65% 

GMAB – For sales prior to 1/26/09: 0.60%. For sales from 

1/26/09 through 5/31/09: 0.80%; not available between 6/1/09- 

11/08/09; for sales from 11/09/09-10/3/10: 1.25%; 10/4/10 

- 11/13/11: 1.50%. 

Discounts for combining death benefit riders: 

MAV + EEB – 0.45%; MAV + EEP – 0.55% 

MAV5 + EEB – 0.35%; MAV5 + EEP – 0.45% 


Annuity Fees (NOTE: Fees are subject to change.) 

RAVA 4 Access 



Mortality and 

Expense Fees 

Previously sold products below 

RAVA Advantage Plus 

RAVA Select Plus 

RAVA Advantage 

RAVA Select 

RAVA 

Wells Fargo Advantage® 

Builder Select 

Wells Fargo 

Advantage 

Wells Fargo Advantage 

Builder 

0.95% Nonqualified contracts 

0.75% Qualified contracts 

0.55% $1 million or more 

(Band 3/employees) 








(Band3/employees) 









N/A 

Admin. 

Fees 

N/A 

N/A 

N/A 

N/A 

N/A 


$50,000 

MAV – 0.25% 

MAV5 – 0.10% 

EEB – 0.30% 

EEP – 0.40% 

ROPP – 0.20% 

MAV + EEB – 0.45%; MAV + EEP – 0.55% 

MAV5 + EEB – 0.35%; MAV5 + EEP – 0.45% 

Contract Charges and Optional Rider Fees 


$50,000 plus charges for death benefit riders selected: 

MAV – 0.25% annual fee 

MAV5 – 0.10% annual fee 

EEB – 0.30% annual fee 

EEP – 0.40% annual fee 

ROPP – 0.20% 

Withdrawal Benefit – 0.60% 

Accumulation Benefit – 0.60% 

MAV + EEB – 0.45%; MAV + EEP – 0.55% 

MAV5 + EEB – 0.35%; MAV5 + EEP – 0.45% 


$50,000 plus charges for death benefit riders selected: 

MAV – 0.25% annual fee for contract 

5/1/03 and thereafter (prior to 5/1/03 the MAV was 0.15%) 

EEB – 0.30% annual fee 

EEP – 0.40% annual fee 

Portfolio Navigator – No charge. Until 7/19/10 there was a .10% 

annual fee. 


$50,000 

MAV – 0.15% 

EEB – 0.30% 

Portfolio Navigator – No charge. Until 7/19/10 there was a .10% 

annual fee. 

1.25% Base 0.15% $40 annually, waived if CV or total purchase payments are ≥ 

$50,000 

1.05% MAV death benefit 

1.25% Enhanced death benefit 

1.10% MAV death benefit 

1.30% Enhanced death benefit 

0.15% $30 annually, waived over $50,000 

GMIB – 0.70% annual fee 

0.15% 

FPA 1.25% N/A $30 annually, waived at $25,000 or more 

FLEX 1.00% N/A $6 quarterly; $24 annually 

EBA 1.00% N/A $30 

CRA 1.00% N/A $25 (Innovest, Series 1); $30 (Innovest and CRA, Series 3) 

VRA 1.00% N/A $20 

Fund A 1.00% N/A $0 - Fund A & B annuities have front-end sales loads on new premiums. 

Fund B 1.00% N/A $0 - Fund A & B annuities have front-end sales loads on new premiums. 


Variable Annuity Standard Death Benefit Guarantees 1 

RAVA 5 series 2 RAVA 4 and 

RAVA Plus series 

Issue Age: 79 or 

younger 

Greatest of: 

• Contract value less a 


rider fees 

• Purchase 

payments adjusted 

proportionately for 

partial surrenders 5 

• Full surrender value 

Issue Age: 80 or older 

Contract value less a 


rider fees 

RAVA, 

RAVA Advantage and 

RAVA Select 

Flexible Portfolio 

Annuity and 

Flexible Annuity 

Issue Age: 75 or younger 

Greatest of: 

• Contract value, less any purchase payment credits 

subject to reversal 


applicable rider fees 

• Purchase payments minus adjusted partial surrenders 6 Attained Age: 80 or younger 

Greatest of: 

• Contract value • Contract value as of most recent 6th contract anniversary plus any subsequent purchase payments less any adjusted partial surrenders 6 

• Purchase payments Attained Age: 74 or 

younger 

Greatest of: 

Contract value 

Contract value as the most recent 6th 


less any partial 

surrenders since anniversary 

Purchase payments 


surrenders 6 where death benefit 

• • of 

that 

• payments minus adjusted partial surrenders (Not 

applicable in TX 

is greater of contract 

value or purchase 

payments less any 

partial surrenders) 

Issue Age: 76 or older 

Contract value, less 

any purchase payment 

credits subject to 

reversal less a portion 

of applicable rider fees 

Attained Age: 81 or older 

Greater of: 

• Contract value • Purchase payments less any adjusted partial surrenders 6 Attained Age: 75 

or older 

Greater of: 

• Contract value 

• Contract value as of 

the most recent 6th 



surrenders 6 since 

that anniversary 

(Not applicable in TX 

where death benefit 

is the contract value) 

Employee Benefit 

Annuity 

Attained Age: 74 or 

younger 

Greater of: 

• Certificate value 

• Purchase payments 


surrenders 

Attained Age: 75 

or older 

Certificate value 

CRA 3 , VRA and Fund 

A 4 

— Nonqualified 

Attained Age: 74 or All ages 

younger 

Greater of: 




surrenders 6 

Attained Age: 75 

or older 

Certificate value 

CRA, VRA and Fund 

B 4 — Qualified 

Greater of: 




surrenders 

1 

None of the death benefits described on this page applies to contracts that have been annuitized. 

2 

For RAVA 5, the standard death benefit is ROPP or contract value based on the age of owner at issue or on the attained age of new owner on most recent ownership change 

or spousal continuation. 

3 

Nonqualified contracts not available in NY. 

4 

Applies to Fund A and Fund B contracts issued in 1971 and later. Contracts issued prior to 1971 had the following death benefit regardless of age or issue state: 

Greater of: 1) contract value, 2) purchase payments less any partial surrenders. (In New Jersey the death benefit equals the contract value regardless of age.) 

5 

For RAVA 5 series standard death benefits: when withdrawals are taken, each component of the death benefit is reduced by the same percentage that the contract value was 

reduced (or, on a “pro-rata” basis). 

6 

For earlier versions of RAVA sold before RAVA 5, when the contract value is higher than the minimum death benefit amount, adjusted partial surrenders reduce the death 

benefit dollar-for-dollar (i.e., $1 withdrawn reduces the death benefit by $1). When the contract value is below the minimum death benefit amount, adjusted partial surrenders 

reduce the death benefit proportionately (i.e., if the withdrawal was 5% of the contract value, the death benefit will be reduced 5%.) 


Advice-Embedded Solutions & Living Benefits Chronology 

GMWB 

Guaranteed Minimum Withdrawal Benefit 

Launched 11/17/2004 

• Original guarantee:7% for a minimum of 14 years 

• Elective Step Ups — The Step Up effective date differs according to when the contract was issued: 

– For contracts with application signed dates before 4/29/05, the Step Up will be effective on the contract anniversary and the 

stepped-up value will be the contract value on the anniversary. 

– For contracts with application signed dates on or after 4/29/05, the Step Up will be effective on the valuation date the step up 

request is received and the stepped-up value will be the contract value as of the valuation date the step-up request is received. 

• Fee = 0.60% 

Guarantor Withdrawal Benefit for Life (GWB for Life) 


• Guarantee: 6% for Life at age 65 (68 in New York) or 7% for 14.2 years any age 

• Single life (oldest) 

• Auto Step Ups 

• Fee = 0.65% 

SecureSource 


• Guarantee: 6% for Life at age 65 or 7% for a minimum of 14 years at any age 

• New York Guarantee: 6% for Life (5.5% for joint) at age 68 or 7% for a minimum of 14 years at any age. 

• Single (oldest) & Joint (youngest) Life options available 

• Automatic, annual Step Ups 

• Fees for contracts issued before Jan. 26, 2009: Single: 0.65%; Joint: 0.85%. Max fee: Single 1.50%; Joint: 1.75% 

– New York fee: 0.65% single and joint. 

– add-on restrictions instituted 

• Fees for contracts issued on or after Jan. 26, 2009: Single: 0.90%; Joint: 1.15%. Max fee: Single 2.00%; Joint: 2.50% 

– New York fee: 0.90% single and joint. 

SecureSource Flex 

Launched 9/14/09 nationally, and 11/09/09 in New York 

• Guarantees: Return of principal and lifetime — 5% or 6% per year after required 3-year waiting period 

• Lifetime guarantee begins after the 3-year waiting period and as early as contract anniversary after client turns age 65 (67 for joint 

in NY) based on younger spouse for joint life benefit 


• Fees = 0.95% for single or 1.10% for joint 

SecureSource Stages – for sale on Innovations Select 2/1/10 - 07/18/10 

SecureSource Stages 2 


• Guaranteed lifetime income starting at age 50 with up to 6% for life at age 65 

• Introduction of Age Bands 

• Introduction of Annual Credits for 10 years or until first withdrawal - 8% on first anniversary and 6% thereafter. 

• Clients who wait to take income until after first contract anniversary are eligible to receive an income bonus each contract year 


• Fees for contracts issued 2/27/12 - 4/29/12: 1.50% single life and 1.75% joint Life 



46 For advisor use only. Not approved for use with the public. 

State launch dates may vary.

Advice-Embedded Solutions & Living Benefits Chronology (continued) 

GMWB – continued 

SecureSource Stages NY 

Launched 7/19/10 in New York 

• Guaranteed lifetime income starting at age 50 

• Introduction of Age Bands 

• Introduction of Annual Credits for 10 years or until first withdrawal - 8% for first credit and 6% thereafter (For specifics on when 

credits start, please refer to the RAVA 5 Living Benefits section) 


• Fees for contracts issued 2/27/12 - 4/29/12: 1.50% single and joint Life 



SecureSource 3 


• Enhanced Credits. Credits are 6% of principal plus any locked in investment gains. Credits are available for up to 10 years in any 

year there are no withdrawals. They do not stop at first withdrawal like previous versions of the rider. Also, a new 10-year credit 

period starts any time the client’s Benefit Base locks in an investment gain. 

• Income bonus decreased to 0.5%. Clients do not need to wait one year to be eligible for an income bonus. 

• Joint life Minimum Lifetime Payment Percentages are 0.25% lower than single life 

• Investment option changed to the Columbia VP – Managed Volatility Fund 

• Fees for contracts issued on or after 4/30/12: 1.20% single life and 1.30% joint life 

• April 29, 2013, added three more Portfolio Stabilizer funds. Funds available April 29, 2013 for new and previously sold contracts 

with SecureSource 3: 

– Columbia VP – Managed Volatility Conservative Fund 

– Columbia VP – Managed Volatility Conservative Growth Fund 

– Columbia VP – Managed Volatility Moderate Growth Fund (formerly Columbia VP – Managed Volatility Fund) 

– Columbia VP – Managed Volatility Growth Fund 

SecureSource 3 NY 

Launched 4/30/12 in New York 

• Enhanced Credits. Credits can now start earlier than age 60. Credits are 6% of principal plus any locked in investment gains. Credits 

are available for up to 10 years in any year there are no withdrawals. They do not stop at first withdrawal like previous versions of 

the rider. Also, a new 10-year credit period starts any time the client’s Benefit Base locks in an investment gain. Clients age 55 or 

younger at contract issue will receive a 5.9% credit in year 10 of the credit schedule (if eligible). 

• Joint life Minimum Lifetime Payment Percentages are 0.5% lower than single life 

• Investment option changed to the Columbia VP – Managed Volatility Fund 

• Fees for contracts issued on or after 4/30/12: 1.10% single and joint life 


with SecureSource 3 NY: 




– Columbia VP – Managed Volatility Growth Fund 


Advice-Embedded Solutions & Living Benefits Chronology (continued) 

GMAB 


• Fee = 0.60% (Max fee 2.50%) 

• Automatic, annual step ups of 80% (on each contract anniversary) 

• Elective step-ups of 100% (available 30 days after contract anniversary) 

• 1/26/09: PN Aggressive model no longer an available investment option; 

• Fee = 0.80% 

• Pulled rider 6/1/09 

• Offered again for sale on 11/9/09 fee: 1.25% 

• 7/19/10: Renamed to Accumulation Protector Benefit (APB) rider with RAVA 5 variable annuities. Max fee changed to 1.75%. 




• The rider was not available for new purchases 2/27/12 - 7/29/12 

• Offered again for sales on or after 7/30/12. Increased automatic step up to 90% of highest anniversary value. Changed the 

investment option to the Columbia VP - Managed Volatility Fund. Fee: 1.30% and max fee: 2.00% 

• For sales before 4/29/13, we reserve the right to increase the fee and restart the 10-year waiting period if the client changes their 

investment option. For sales on or after 4/29/13, the fee can change anytime. If the fee increases, clients will have the option to 

cancel the benefit (not available for fee increases due to elective Step Ups). 

• Added more Portfolio Stabilizer funds. Funds available: 




• For new contracts issued on or after 10/18/14: 1.00%. 

• Fees for 100% elective Step Up are: 

• For clients in Portfolio Navigator at the time of the 100% elective Step Up: 

– 10/20/12 - 10/17/14: fee = 1.75% 

– On or after 10/18/14: fee = 1.60% 

• For clients in Portfolio Stabilizer at the time of the 100% elective Step Up: 

– 11/18/13 - 10/17/14: fee = 1.30% 

– On or after 10/18/14: fee = 1.00% 

Portfolio Navigator (PN) 

Launched 11/17/2004 (static) 

• Only available with the original GMWB rider (not as a stand alone fund option) 

• For dynamic PN, clients’ model portfolios are automatically updated every year 

• Stand alone PN became available for RAVA Plus for 0.10% 11/1/2005 

• 11/1/2005 Changed to Dynamic. Static clients were offered to switch to dynamic July of 2006. 

• No additional stand alone PN fee assessed for RAVA 4 contracts 

• 5/1/2008 Portfolio Navigator was added to national and New York versions of RAVA Advantage, RAVA Select and RAVA for a fee 

of 0.10%. 

• 5/3/2010 Portfolio Navigator program relaunched using funds structure. PN fee removed for contracts that charged a fee. 

Portfolio Stabilizer 


• The initial Portfolio Stabilizer fund option is the Columbia VP – Managed Volatility Fund 


with SecureSource 3, SecureSource 3 NY and Accumulation Protector Benefit: 




– Columbia VP – Managed Volatility Growth Fund (not available with the Accumulation Protector Benefit) 

• Effective 6/30/14, Portfolio Stabilizer funds are also available for non-living benefit sales on all RAVA 5 variable annuities and 

RiverSource Group Annuity I and II only. 


November 2013 changes to certain existing variable annuities 

What are the changes? 

1. Portfolio Stabilizer funds will now be available. Beginning Nov. 18, 2013, the Portfolio Stabilizer funds are available to 

all existing variable annuity contracts with a living benefit rider (in-force withdrawal benefit riders and accumulation 

benefit riders). 

• Existing clients with a living benefit who are currently invested in a Portfolio Navigator fund can either stay invested in 

Portfolio Navigator or transfer to a Portfolio Stabilizer fund. 

• Unlike new sales of variable annuities with a living benefit, clients with older versions of the riders can be invested in only 

one fund at a time (either a Portfolio Navigator fund or a Portfolio Stabilizer fund) per the provisions of their rider. 

• Clients who decide to transfer to a Portfolio Stabilizer fund will no longer have access to the Portfolio Navigator funds. 

2. Fee changes for certain older riders. 

Withdrawal Benefit riders 

Effective Dec. 18, 2013, we implemented rider fee increases for a small portion of older contracts with withdrawal benefit 

riders. The fee increase is not automatic – impacted clients will have choices to avoid a higher fee. As a result of the fee 

increase, the annual Step up feature (which locks in contract gains to the benefit) will change from “automatic” to 

“elective” for impacted clients. 

• The rider fee increase impacts clients who selected: 

o Withdrawal Benefit, Guarantor Withdrawal Benefit for Life® (GWB for Life®), SecureSource® riders (sold approximately 

between November 2004 and September 2009), AND who are 

o Invested in the Portfolio Navigator “Aggressive” fund or “Moderately Aggressive” fund 

The fee increase is not automatic. Clients will only incur a fee increase if they: 

A. Elect to “lock in” contract gains to their rider’s benefit values (i.e., elect a “Step up”) to increase their guaranteed 

income (when a Step up is available). 

• Applies only to clients invested in the Portfolio Navigator “Aggressive” or “Moderately Aggressive” funds 

• Clients will revert back to automatic Step ups if/when they either incur a fee increase or move to a different fund 

that does not have an increased rider fee. 

B. Move to a more aggressive Portfolio Navigator fund that has a higher corresponding rider fee (i.e., move “up” to the 

Moderately Aggressive or Aggressive fund). 

• Applies to clients invested in any Portfolio Navigator fund in the Withdrawal Benefit, Guarantor Withdrawal Benefit for 

Life® or original SecureSource® riders. 

• Examples: transferring from the “Moderately Aggressive” fund to the “Aggressive” fund; transferring from the 

“Moderate” fund to the “Moderately Aggressive” fund, etc. 

Accumulation Benefit riders 

Clients with an accumulation benefit rider (Accumulation Benefit or Accumulation Protector Benefit®) have been subject to a 

potential rider fee increase to 1.75% since Oct. 20, 2012 if they choose the elective 100% Step up. With the addition of 

the Portfolio Stabilizer funds as alternative investment options (effective Nov. 18, 2013) clients who choose the elective 

100% Step up may incur a fee increase or decrease depending on the fund they are invested in at the time of the Step up 

(i.e., if the fund they are invested at the time of the Step up has a different fee than what they are currently paying, their 

fee will change.) 

Fees for 100% elective Step Up are: 

• For clients in Portfolio Navigator at the time of the 100% elective Step Up: 

– 10/20/12 - 10/17/14: fee = 1.75% 

– On or after 10/18/14: fee = 1.60% 

• For clients in Portfolio Stabilizer at the time of the 100% elective Step Up: 

– 11/18/13 - 10/17/14: fee = 1.30% 

– On or after 10/18/14: fee = 1.00% 

Simply moving from one fund to another will not result in a fee change. Also, the automatic 80% or 90% Step up will not 

result in a fee change. 


November 2013 changes to certain existing variable annuities (continued) 

Summary of fee changes that were announced November 2013 for clients that are in Portfolio Navigator: Aggressive or Moderately 

Aggressive only. Other Portfolio Navigator funds do not have a fee increase. 

Rider Date sold* Current fee New rider fee (after increase) 


Withdrawal Benefit 

Guarantor Withdrawal 

Benefit For Life 

11/04 – 6/06 0.60% for all funds Aggressive = 1.05% 

Moderately Aggressive = 0.90% 

6/06 – 9/07 0.65% for all funds Aggressive = 1.10% 

Moderately Aggressive = 0.95% 

SecureSource 9/07 – 1/09 National 

0.65% (single) and 

0.85% (joint) 

*Approximate dates. May vary by state. 

1/09 – 9/09 0.90% (single) and 

1.15% (joint) 

9/07 – 1/09 New York 

0.65% (single and joint) 

Aggressive = 1.00% single and 1.20% joint 

Moderately Aggressive = 0.90% single and 1.10% joint 

Aggressive = 1.10% single and 1.35% joint 

Moderately Aggressive = 1.00% single and 1.25% joint 

Aggressive = 1.00% single and joint 

Moderately Aggressive = 0.90% single and joint 

1/09 – 9/09 0.90% (single and joint) Aggressive = 1.10% single and joint 

Moderately Aggressive = 1.00% single and joint 


Surrender Charge Waivers 

Since 1981 most annuities have surrender charges if some or all of the value is withdrawn. In some situations these charges are 

waived, and those waivers vary by product and occasionally by state of issue. 

Waivers that are common to all our products include waiver upon annuitization (settlement) of the contract, when a death claim is 

paid under the contract, and for amounts refunded because of a required minimum distribution (RMD) from a tax-qualified or IRA 

annuity. The chart below shows the availability of other waivers: 

a. Nursing Home Waiver – RAVA 5: Surrender charges are waived if an owner or joint owner is confined in a nursing home for 60 days 

straight or if confinement begins within 30 days following a 60 day confinement provided the confinement began after the contract 

date. Pre-RAVA 5: Surrender charges are waived if owner or owner’s spouse 1 is confined in a nursing home for 90 days or more (60 

days for RAVA 4 Advantage/RAVA 4 Select, RAVA Advantage/Select Plus and Bonus Fixed Annuities) provided the confinement began 

after the contract date. 

b. Hospitalization Waiver – Same as Nursing Home Waiver for both RAVA 5 and Pre-RAVA 5 annuities, except that confinement is in a 

hospital. 

c. Terminal Illness Waiver – Surrender charges are waived if an owner or joint owner (for pre-RAVA 5 products owner or owner’s spouse 3 ) 

is diagnosed with an illness that results in a life expectancy less than 12 months 4 , provided the diagnosis was made after the 

contract date. 

Age eligibility: 

RAVA 5 – For Nursing Home and Hospitalization, owner must be under the age of 76 at issue; for Terminal Illness, no age limit applies. 

Pre-RAVA 5 – Owner must be under the age of 76 at issue 1, 2 

Product Type of Waiver Notes (state exceptions, administrative procedures, etc.) 

RAVA 5 Series a, b and c Waivers do not apply to 1035 exchanges, trustee-to-trustee transfers, internal 

exchanges or rollovers to another annuity. 

Terminal illness waiver granted only if diagnosis is after 1st contract 

anniversary. 

RAVA 4 Series and 

RAVA Plus Series 

a and c 

In Massachusetts, the owner or spouse must also be totally and 

permanently disabled. 

RAVA Advantage a The annuitant is covered instead of the owner’s spouse. 

RAVA Advantage – NY 

None 

RAVA Select a and b In Massachusetts, the owner or spouse must also be totally and 

permanently disabled. 

RAVA Select – NY 

None 

RAVA a The annuitant is covered instead of the owner’s spouse. 

RAVA – NY 

None 

Flex Portfolio Annuity (FPA) a Not available in NY, PA and TX 

Flexible Annuity (Flex) 

None 

Employee Benefit Annuity (EBA) None No surrender charge if separated from service at age 55 or older. 

Bonus Fixed Annuities a, b and c Also waived for one year following spousal continuation. 

Bonus Fixed Annuities – NY a, b and c Also waived for one year following spousal continuation. 

Index 500 

a 

Advantage Fixed Annuities a and c Also waived for one year following spousal continuation. 

Advantage Fixed Annuities – NY None Also waived for one year following spousal continuation. 

CRA, VRA 

None 

GTA None A market value adjustment still applies. 

FRA-VP, FRA-XR a a and c not available in NY, PA and TX 

FRA a a and c not available in NY, PA and TX 

Fund A, Fund B and other older front-loaded products without surrender charges – not applicable 

1 

Except for RAVA and RAVA Advantage in New Jersey where the owner age is not limited to 75. 

2 

In New Jersey, the owner’s spouse is covered if listed as a Joint Owner with Rights of Survivorship. 

3 

In New Jersey, the owner’s spouse is not covered. 

4 

In Massachusetts, 24 months. Does not apply to Advantage Fixed Annuities. 


Transfer Provisions — Currently Sold Products 

Fixed account purchase payment, lump-sum allocation rules 

RAVA 5 Advantage, RAVA 5 Select, RAVA 4 Advantage and RAVA 4 Select 

Purchase payments made at 

contract issue 

Purchase payments made 

after contract issue 

RAVA 5 Access 

Not available. 

RAVA 4 Access 

No limit – up to 100% of purchase payments may be allocated to fixed account. 

As above. 

Fixed account only allowed with Portfolio Navigator. 

Note: Dollar-Cost Averaging (DCA) and Special DCA rules are not the same as the rules above. 

Refer to the Dollar-Cost Averaging at-a-Glance page for details. 

Fixed account/variable subaccount lump-sum transfer rules 

RAVA 5 Advantage and RAVA 5 Select contracts 

Variable subaccount to 

Variable subaccount 


Fixed account 

Fixed account to 


RAVA 5 Access contracts 


Fixed account 



• May be done without restrictions, subject to market-timing constraints, until annuity payments 

begin (annuitization). 

• After annuitization, transfers can only be made once per year on the contract anniversary. 

• Transfers cannot be made into the fixed account for 6 months following a transfer from the fixed 

account, a surrender from the fixed account, or termination of SDCA transfers. 

• After annuitization, transfers from the variable subaccounts to the fixed account cannot be made. 

• RiverSource Life reserves the right to limit transfers with notification on a non-discriminatory basis. 

• May be made 30 days before or after contract anniversary. 

• Once annuity payments begin (annuitization), transfers from the fixed account to the variable 

subaccounts cannot be made. 

• Transfers from the fixed account to variable subaccounts are limited to the greater of: 

• 30% of the fixed account value on each contract anniversary; or 

• $10,000 

• N/A. No fixed account available. 

• N/A. No fixed account available. 




Transfer Provisions — Previously Sold Products 

Fixed account/variable subaccount lump-sum transfer rules (continued) 

RAVA 4 Advantage and RAVA 4 Select contracts 




Fixed account 



RAVA 4 Access contracts 


Fixed account 



• May be done without restrictions, subject to market-timing constraints, until annuity payments 

begin (annuitization). 

• After annuitization transfers can only be made once per year on the contract anniversary. 

• May be made at any time unless a transfer from the fixed account to a variable subaccount 

(excluding any qualifying DCA transfer) has taken place in the same contract year. In that case, your 

clients must wait until the next contract anniversary to transfer to the fixed account. 

• Once annuity payments begin (annuitization), transfers from the variable subaccounts to the fixed 

account cannot be made. 

• RiverSource Life companies retain the right to limit transfers if current rates equal guaranteed 

minimums stated in contracts. 

• May be made one time a year during 31-day transfer period starting on a contract anniversary. 





• The amount transferred from the fixed account to any variable subaccounts in the previous contract 

year, excluding any qualifying DCA transfers. 

• Not allowed. (Fixed account only available with Portfolio Navigator) 

• If Portfolio Navigator is dropped, transfers from Fixed to Variable are unrestricted. 




Transfer Provisions — Previously Sold Annuities 

Fixed account lump-sum purchase payment allocation rules 

Purchase payments made at 


Purchase payments made after 


All contracts issued prior to 

July 1, 2003 

No limit – up to 100% of 

purchase payments may be 

allocated to fixed account. 

RAVA Advantage and RAVA 

Select contracts issued 

July 1, 2003 to introduction 

of RAVA Plus (date varies 

by state) 

30% of purchase payments may 

be allocated to fixed account. 

As above As above As above 



Fixed account/variable subaccount lump-sum transfer rules 




Fixed account 



All contracts issued prior to 

July 1, 2003 



July 1, 2003 to introduction 

of RAVA Plus (date varies 

by state) 

RAVA Plus contracts 

No limit – up to 100% of 

purchase payments may be 

allocated to fixed account. 

RAVA Plus contracts 

Applies to all variable annuities: 

May be done without restrictions, subject to market-timing constraints, except that once annuity 

payments begin (annuitization), transfers can only be done once per contract year on the contract 

anniversary. 


• May be made at any time unless a transfer from the fixed account to a variable subaccount 

(excluding any qualifying DCA transfer) has taken place in the same contract year. In that case you 

must wait until the next contract anniversary to transfer to the fixed account. 

• For all RiverSource Life of NY contracts, excluding RAVA Plus, a 90-day wait period applies. 

• When RAVA Plus becomes available in NY, a 6-month wait period will apply. 

• Once annuity payments begin (annuitization), transfers from the variable subaccounts to the fixed 

account cannot be made. 

There are no additional rules 

for contracts issued prior to 

July 1, 2003. 

Limited so that after the transfer 

the total allocation to the fixed 

account is a maximum of 30% 

of the total contract value. 

RiverSource Life companies 

retain the right to limit 

transfers if current rates equal 

guaranteed minimums stated in 

contracts. 


• May be made one time a year during 31-day transfer period starting on a contract anniversary. 



There are no additional rules 

for contracts issued prior to 

July 1, 2003. 



For contracts issued July 1, 2003 and later, in addition to the 

shared rules above: 

• Beginning in Year 2 transfers from the fixed account to variable 

subaccounts are limited to the greater of: 


the amount transferred from the fixed account to any variable 

subaccounts in the previous contract year, excluding any 

qualifying DCA transfers. 


Guarantee Period Accounts (GPAs) 

RAVA 5 series, RAVA 4 series, RAVA Advantage Plus 

and RAVA Select Plus contracts 

GPA account to 

GPA account 




Fixed account 


to GPA account 

May be made anytime after 60 days following a transfer or payment allocation into a GPA bucket. All 

transfers are subject to Market Value Adjustment unless the transfer is made 30 days prior to the end 

of the guarantee period. 

• May be done without restriction subject to the $1,000 GPA minimum size requirement. 

• Once annuity payments begin (annuitization), transfers from the variable subaccounts to any GPA 

bucket can not be made since GPAs are not an investment option during annuitization. 

Fixed account to GPA RAVA 5: 

• May be made 30 days before or after contract anniversary. 





• $10,000 

End of term 

transfer rules 

Pre-RAVA 5: 

• May be made once a year during the 31-day transfer period starting on a contract anniversary. 

Transfers in Year 1 are not permitted. 

• Once annuity payments begin (annuitization), transfers from the fixed account are not allowed. 

• Transfers out of the fixed account are limited to the greater of: 

• 30% of the fixed account value at the beginning of the contract year; or 

• The amount transferred from the fixed account in the previous contract year, excluding any 

qualifying DCA transfers. 

• If made during the 30-day window prior to the end of a guarantee period, the following 

options apply: 

• Start a new guarantee period of the same term length; 

• Transfer the contract value to another GPA term length 

• Transfer the contract value to any of the subaccounts or the fixed account; 

• Surrender the contract value from the contract (subject to surrender provisions). 

• If no instructions are received, the transfer would be to a 1-year GPA term length. 

• Transfers out of the GPA are not restricted by the 30% annual transfer rule that is in place for the 

fixed account. However, if transfers are made more than 30 days prior to the end of the guarantee 

period, they are subject to a market value adjustment. 

Note: For RAVA 5 GPAs are available in all states except IL, OR and NY. 

For RAVA 4 GPAs are available in all states except CT (had GPAs available until 4/28/13), IL, IN, MD, NY, OR, PA and WA. 

Fixed account is not available for RAVA 5 or RAVA 4 Access. 


Dollar Cost Averaging (DCA) Transfer Rules 

RAVA 5 series 

• All internal transfers out of the fixed account are limited on a contract year basis to the greater of: 

• 30% of the fixed account value at the beginning of the contract year, or 

• $10,000 

• DCA transfer amounts must be specified in dollars not percentages. 

• Minimum transfer: $50. 

• DCA transfer amount can be allocated to multiple funds. 

• Only one DCA arrangement is permitted per account at any one time (not including Special DCA 

account). 

• No other restrictions for DCA arrangements that do not involve the fixed account. 

• DCA is not available with a living benefit rider. 

• Cannot DCA into the fixed account. 

• Cannot DCA to or from a Guarantee Period Account (GPA). 

All previously sold annuities with “RAVA” in the name 

Applies to all VA contracts 



July 1, 2003 and later 

RAVA 4 and RAVA Plus 

series contracts 

• DCA transfer amounts must be specified in dollars not percentages. 

• Minimum transfer: $50. 

• DCA transfer amount can be allocated to multiple funds. 

• Only one DCA arrangement is permitted per account at any one time (not including Special DCA 

account). 

• No other restrictions for DCA arrangements that do not involve the fixed account. 

• DCA is not available with a living benefit rider. 

• Cannot DCA into the fixed account. 

• DCA transfers from the fixed account cannot be at an amount that, if continued, would deplete the 

fixed account in less than one year. 

All internal transfers out of the fixed account are limited to the greater of: 


• the amount transferred out of the fixed account in the previous year. 

• All internal transfers out of the fixed account are limited on a contract year basis to the greater of: 


• the amount transferred out of the fixed account in the previous year. 

• Exception to 30% transfer rule when DCA arrangement paperwork accompanies the application. 

In these cases, the entire amount in fixed can be depleted over a 12-month period. 

• Cannot DCA from a Guarantee Period Account (GPA). 


Special DCA (SDCA) 

RAVA 5 series 

Interest rate 

Eligibility 

Transfer rules 

• The interest rate will be that offered on the fixed account. 

• On an occasional, promotional basis, interest will be credited at rates that are generally higher than 

those credited to the regular fixed account. 

• Available on new money purchase payments (i.e., new money to the annuity, not new money to 

Ameriprise Financial.) 

• Internal transfers into Special DCA are not allowed. 

• Multiple Special DCA arrangements may be active at the same time. 

• An Initial or Subsequent DCA arrangement may also be active while a Special DCA arrangement is in 

effect. 

• Transfers are not restricted by the 30% annual transfer rule. 

• First transfer is deposit payment date + 1 day; monthly thereafter. 

• Transfers will occur in 6 or 12 consecutive monthly installments so as to deplete the SDCA account 

over 6 or 12 months (e.g., 6-month DCA depletes as follows: 1 ⁄ 6, 1 ⁄ 5, 1 ⁄ 4, 1 ⁄ 3, 1 ⁄ 2, remaining balance). 

Any additional amount due (interest) will be included in the final transfer. 

• Transfers must be made to variable subaccounts only (not to the fixed account). 

RAVA 4 series, RAVA Advantage Plus and RAVA Select Plus contracts 

Interest rate 

Eligibility 

Transfer rules 

• The interest rate will be that offered on the fixed account. 

• On an occasional, promotional basis, interest will be credited at rates that are generally higher than 

those credited to the regular fixed account. 

• Available on new money purchase payments of $10,000 or more (i.e., new money to the annuity, not 

new money to Ameriprise Financial.) 

• Internal transfers into Special DCA are not allowed. 

• Multiple Special DCA arrangements may be active at the same time. 

• An Initial or Subsequent DCA arrangement may also be active while a Special DCA arrangement is in 

effect. 

• Transfers are not restricted by the 30% annual transfer rule. 

• First transfer is deposit payment date + 7 days; monthly thereafter. 

• Transfers will occur in 6 or 12 (6-month DCA only available on Pre-RAVA 5 annuities) consecutive 

monthly installments so as to deplete the SDCA account over 6 months (e.g., 6-month DCA depletes 

as follows: 1 ⁄ 6, 1 ⁄ 5, 1 ⁄ 4, 1 ⁄ 3, 1 ⁄ 2 remaining balance). Any additional amount due (interest) will be included 

in the final transfer. 

• Transfers must be made to variable subaccounts only (not to the fixed account). 


The Columbia VP – Managed Volatility Fund is sold exclusively as a Portfolio Stabilizer investment option within variable annuity 

products offered by RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York (collectively, RiverSource 

Life). The fund is managed by Columbia Management Investment Advisers, LLC (Columbia Management), an affiliate of RiverSource 

Life. Columbia Management, RiverSource Life and their affiliates may receive revenue related to assets allocated to the fund. Please 

read the product and fund prospectuses carefully before investing. 

The Portfolio Navigator program funds of funds are sold exclusively as underlying investment options of variable annuity and life 

insurance products offered by RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York (collectively, 

RiverSource Life). The program allows you to allocate your contract or policy values to subaccounts that invest in RiverSource Variable 

Series Trust funds of funds managed by Columbia Management Investment Advisers, LLC, an affiliate of RiverSource Life. RiverSource 

Life, Columbia Management Investment Advisers, LLC, and their affiliates may receive revenue related to assets allocated to the funds 

of funds. Prior to participating in the program, you should read the description contained in the applicable variable product and funds 

of funds prospectuses. 

Morningstar Associates, LLC is a registered investment adviser and wholly owned subsidiary of Morningstar, Inc. Morningstar 

Associates provides consulting services to Columbia Management with regard to investment selection relating to the Portfolio 

Navigator funds, but is not acting in the capacity of investment adviser to Columbia Management, the Portfolio Navigator funds or any 

individual investors in the funds. The Morningstar name and logo are the property of Morningstar, Inc. Neither Morningstar Associates 

nor Morningstar, Inc. is affiliated with, endorses or otherwise provides a testimonial for the products of RiverSource Life, Columbia 

Management, or their affiliates. 

Clients should consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying 

investment options carefully before investing. For free copies of the prospectuses for the variable annuity and funds of funds 

prospectuses, which contain this and other information about variable annuities variable life insurance, the Portfolio Navigator 

program, and the funds of funds, call 1-800-333-3437. The prospectuses should be read carefully before investing. 

Past performance is no guarantee of future results. There is no guarantee that investment objectives will be satisfied or that return 

expectations will be met. 

New York current RAVA 5 contract and rider numbers: RAVA 5 Advantage 411380-NY; RAVA 5 Select 411381-NY; RAVA 5 Access 

411382-NY; Accumulation Protector Benefit 411385-NY, 411283-NY, ROPP 411277-NY, MAV 411278-NY, MAV5 411291-NY, 

SecureSource 3 NY rider numbers 411362-SGNY and 411362-JTNY. 

National current RAVA 5 contract and rider numbers: RAVA 5 Advantage ICC12 411380, 411380 and state variations thereof; RAVA 

5 Select ICC12 411381, 411381 and state variations thereof; RAVA 5 Access ICC12 411382, 411382 and state variations thereof; 

Accumulation Protector Benefit ICC12 411385, 411385 and state variations, 411283, SecureSource 3 rider numbers ICC11 411360- 

SG, ICC11 411360-JT, 411360-SG, 411360-JT, Death Benefit Endorsement 411268, ROPP 411277, MAV 411278, MAV5 411291, 5% 

ADB 411279, EDB 411280, BP 411281, BP+ 411282. 

SecureProvider contract numbers: 30330, 30331, 30332, 30333 and 30334 and state variations thereof. In NY: 39156, 39157, 

39158, 39159, and 39166. 

Questions? Contact RiverSource Annuities Wholesaling at 1-888-671-3237, Option 5. 

RiverSource Life Insurance Company 

9549 Ameriprise Financial Center 

Minneapolis, MN 55474 

RiverSource Life Insurance Co. of New York 

20 Madison Avenue Extension 

P.O. Box 5144, 

Albany, NY 12205 

Variable annuities are insurance products that are complex long-term investment vehicles 

that are subject to market risk, including the potential loss of principal invested. Before 

your client invests, be sure to explain the variable annuity’s features, benefits, risks and 

fees, to help the client determine if the variable annuity is appropriate for him or her, 

based upon his or her financial situation and objectives. 

RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life 

Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource 

Life Insurance Co. of New York, Albany, New York. Affiliated with Ameriprise Financial 

Services, Inc. 

For advisor use only. Not approved for use with the public. 

© 2009-2015 RiverSource Life Insurance Company. All rights reserved. 

22109 AT (2/15)

Product Reference Guide - RiverSource

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