Learn More About Annuities

Introducing RiverSource

At RiverSource, we offer solutions to help you create a balanced financial strategy – one that considers what you need to protect and want to achieve. Backed by a heritage of financial stability, annuities from RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York can help provide you with the growth and security you need to protect your dreams over a lifetime. We'll be there for you and your loved ones – today and tomorrow.

Meeting your lifetime of needs

RiverSource® fixed and variable annuities are retirement planning products that offer solutions for a lifetime of protection and income.

Fixed annuities guarantee a minimum interest rate that is based on which annuity you purchase. With a fixed annuity, your principal, or original, investment is protected.

Variable annuities offer you the opportunity to take advantage of market gains over time. A variable annuity's rate of return changes along with the market, making it a valuable long-term investment tool. Variable annuities offer unique optional living benefit riders for an additional fee. These features may allow you to grow your savings, lock in market gains and guarantee income for life.

You can customize an annuity to help meet your goals at every stage of life:

  • Accumulate savings. Protect your investment and help grow your wealth when you are saving for retirement.
  • Provide income. Protect your investment, lock in gains and receive guaranteed income for life.
  • Transfer wealth. Protect those who matter most to you and assure as much as possible goes to your beneficiaries, not taxes.

Offering guaranteed income

When you are planning for retirement income, you need to build and protect your investments for the future you envision. You also need to make your money last as long as you live. With certain optional benefits, that are available for an additional fee, you can receive guaranteed lifetime retirement income.

No other retirement investment products offer the combination of protection, tax deferral and guaranteed income. All guarantees are based on the continued claims-paying ability of the issuing company and do not apply to the performance of the variable subaccounts, which will vary with market conditions.

Guaranteed income can help you:

  • Maintain the lifestyle you want through market volatility, inflation, taxation and unforeseen events.
  • Eliminate the risk of outliving your assets.
  • Provide lifetime income for your spouse, if you elect the joint benefit.

There is no assurance that the annuity or optional rider will keep up with inflation.

Product and rider availability, including any related fees and expenses, may vary by state and affiliated company. Click here for important information about the variable annuity products including features and benefits.