RiverSource® Signature One Select

The following At-a-glance provides an overview of the RiverSource Signature One Select variable annuity:

Getting started

Minimum initial payment

 $25,000
Minimum additional payments $50 for systematic payments,
$100 for other payments
Maximum issue age for owner 85
Withdrawal charges Contract years from payment receipt
1 2 3 4 5 6 7 8 9 Thereafter
9 year surrender charge schedule
8% 8% 8% 7% 6% 4% 3% 2% 1% 0%
Each additional payment will have its own surrender schedule. Surrenderl schedules may vary by state.
Liquidity Cumulative earnings or 10% of the prior anniversary contract value can be annually withdrawn without charge.
Fees and Expenses
Contract Type Mortality and expense fee (M&E) + Variable account administrative charge = Base variable annuity expenses (as a percentage of average daily subaccount value)
Years 1-9 1.60% + 0.15% = 1.75%
Years 10 + 1.30% + 0.15% = 1.45%

Subaccount management fees vary by fund and do not apply to the Guarantee Period Accounts (GPAs), the Regular Fixed Account or the Special DCA Fixed Account (SDCA) Fixed accounts, where available.

Contract administrative charge of $40 is deducted from the contract value on contract anniversary and at full surrender; waived on contract values of $50,000 or more.
Purchase Payment Credit
The purchase payment credits may be more than offset by the higher fees and charges (especially the surrender charge) associated with the purchase payment credits of this annuity contract or by the surrender charges of another annuity contract you are replacing. The purchase payment credits may be reversed under certain circumstances.
Net payments: Then your credit will be:
$0 - $24,999 N/A
Less than $250,000 4% of net payments
$250,000 and over 5% of net payments
Investment Options and Asset Allocation

Choose from a wide range of investment options representing every major asset class from well known fund families. Design your own portfolio or enroll in the Portfolio Navigator program.

For more information on Investment Options click here
Optional Riders Optional living and death benefit riders, available for an additional fee, may allow you to safeguard your savings, enjoy guaranteed retirement income and pass on wealth to your loved ones. Visit Optional Benefits to learn more or talk to your financial professional for more information.
Performance
Related Literature

For costs and complete details of coverage, speak to your financial professional. Certain types of contracts, features and benefits may not be available in all states. We offer other variable annuity contracts with different fees, charges and features. Not every contract is available through the same selling broker/dealer. You can contact us to find out the availability of other contracts (800) 333-3437 (for New York call (800) 504-0469).

Click here for important information about the variable annuity products including features and benefits.

Click here for important information about the Portfolio Navigator program.