Accumulation Protector Benefit - RiverSource

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Protect It. Lock It. Take It.When the market performs well, the APB can help by locking in 90%of your highest contract anniversary value.You can also choose to lock in 100% of your gains each year with the annualelective Step Up. An elective Step Up will restart your waiting period and maysubject you to a higher fee if the rider fee has changed.*Protect earnings and lock in any gains.This graph highlights the APB’s ability to lock in 90% of your highest contractanniversary value. In this scenario, following the 10-year waiting period, the contractvalue is increased to 90% of the highest anniversary value that was achieved inyear 7. The Accumulation Protector Benefit has the ability to protect 90% of yourhighest contract anniversary value by locking in these gains automatically each yearduring the waiting period.Lock in 90% of your highest anniversary valueAutomatically lock in 90% of yourhighest contract anniversary valueInitialInvestmentYour contract valueis increased to90% of the highestvalue from year 7.Years0 1 2 3 4 5 6 7 8 9 10This graph is for illustrative purposes only. It does not represent the actual performance of any investmentoption or guarantee that investment goals will be met. The graph assumes no withdrawals are taken anddoes not include fees and expenses.*The elective Step Up option is not available for Inherited IRAs and may not be available if the waiting period would extend beyondyour Annuitization Start Date, the date on which your contract would be automatically annuitized.
Protect It. Lock It. Take It.After the waiting period, you have the freedom to meet yourunique financial needs with a variety of flexible options:• Continue your contract to stay invested in the market• Withdraw money when you need it or take your money as a lump sum• Annuitize your contract to create a guaranteed income streamWith the Accumulation Protector Benefit, at the end of the 10-year waitingperiod, you are guaranteed the greater of:• 90% of your highest contract anniversary value (after fees are deducted),• Your contract value, or• Your principalPortfolio StabilizerWhen you purchase the Accumulation Protector Benefit, you will invest in thePortfolio Stabilizer funds. The funds are designed to help smooth out the ups anddowns in your annuity investment by managing your exposure to equity (stock) andfixed income (bond) markets.With Columbia Management Investment Advisers, LLC as the portfolio manager, thePortfolio Stabilizer funds offer access to many other well-known investment managersand are diversified across a broad array of underlying equity and fixed income funds.The funds also invest in other financial instruments such as futures, options, swaps,exchange-traded funds (ETFs) and fixed income securities. These investments areused to adjust equity exposure based on anticipated market volatility.By adjusting your equity exposure, the Portfolio Stabilizer funds by design seek tocurb the extremes of your investment returns — high and low. These adjustmentscan give you an opportunity for a smoother investment experience — and helprelieve some of your concerns about the uncertainty of the markets.While the funds are designed to manage exposure to equity market volatility, you may experiencesome losses in down years, and may miss out on some gains in rising markets. There can be noassurance that the funds will be successful in managing their portfolios’ volatility. The ColumbiaVP - Managed Volatility Growth Fund is not available with the Accumulation Protector Benefit.
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Accumulation Protector Benefit - RiverSource

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