RiverSource® Rate Bonus Series

RiverSource Rate Bonus is a single premium, fixed annuity series of products that offer rate and timeline options which can benefit you in both your saving and retirement years.

Fixed annuities help you make the most of what you've saved.


  Rate Bonus 1 Rate Bonus 2 Rate Bonus 3 Value Plus Bonus
Getting Started $2,000 Minimum $2,000 Minimum $2,000 Minimum $2,000 Minimum
Bonus interest rate 1.00% credited in the first year 2.00% credited in the first year 3.00% credited in the first year .50% credited in the first year
Initial base rate guarantee period

5 years

5 years

5 years

1 year
Surrender Charges
Year  
1 9%
2 8%
3 7%
4 6%
5 5%
6 4%
7 0%

 
Year  
1 9%
2 8%
3 7%
4 6%
5 5%
6 4%
7 3%
8 2%
9 0%
Year  
1 10%
2 9%
3 8%
4 7%
5 6%
6 5%
7 4%
8 3%
9 2%
10 1%
11 0%
Year  
1 10%
2 9%
3 8%
4 7%
5 6%
6 5%
7 4%
8 3%
9 2%
10 1%
11 0%
Withdrawals1 Each year 10% of the value is available free of surrender charges. Each year 10% of the value is available free of surrender charges. Each year 10% of the value is available free of surrender charges. Each year 10% of the value is available free of surrender charges.

1Withdrawals that do not qualify for a waiver may be subject to a withdrawal charge. Withdrawals are subject to income taxes and withdrawals before age 59-1/2 may incur an IRS 10% early withdrawal penalty.

RiverSource Distributors, Inc. (Distributor), Member FINRA. Insurance and annuity products are issued by RiverSource Life Insurance Company and in New York, by RiverSource Life Insurance Co. of New York, Albany, New York. Only RiverSource Life Insurance Co. of New York is authorized to sell insurance and annuities in New York.

Most annuities have a tax-deferred feature.  So do many retirement plans under the Internal Revenue Code.  As a result, when you use an annuity to fund a retirement plan that is tax-deferred, your annuity will not provide any necessary or additional deferral for that retirement plan.  But annuities do have features other than tax deferral that may help you reach your retirement goals.  You should consult your tax advisor prior to making a purchase for an explanation of the tax implications to you.

Fixed annuities are long-term insurance products.  Before you purchase, be sure to ask your financial professional about the annuity’s features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives.

FIXED ANNUITIES:

Are Not a Deposit of
 Any Bank OR ANY
BANK affiliate

Are Not FDIC
Insured

Are Not Insured by Any
 FEDERAL Government Agency

Are Not Bank
Guaranteed