RiverSource Variable Annuities

RiverSource Life Insurance Companies

About variable annuities

Variable annuities are insurance products that are complex, long-term investment vehicles subject to market risk, including the potential loss of principal invested.

RiverSource offers several different annuities that your financial professional may be authorized to offer you. Each annuity has different benefits and features that may be appropriate for you based on your financial situation and needs, your age and how you intend to use the annuity. The different features and benefits may include the investment and fund manager options, variations in interest rate amount and guarantees, credits, withdrawal charge schedules and access to annuity account values. The fees and charges may also be different between each annuity.

You should consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options carefully before investing. For a free copy of the annuity's prospectus, which contains this and other information about variable annuities, call (800) 333-3437 or in New York call (800) 504-0469. Read the prospectus carefully before you invest.

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.

RiverSource entities

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.