Annuity Key Benefits

Choose an annuity that's right for you.

RiverSource® annuities offer many benefits that can help provide the retirement income you need and protect what matters most to you. For example, the money in an annuity grows tax deferred, giving retirement savings the potential to grow faster. And you can choose when to take income from an annuity — when you need it or for your lifetime. Each of the types of annuities listed below offers additional unique benefits.

Variable annuities

With a RiverSource® variable annuity, you have the opportunity to take advantage of market gains over time. You can benefit from:

  • Accumulation: Take advantage of the market's growth potential to build as much wealth as possible.
  • Flexibility: Choose from a wide range of investment options from well-known fund families.
  • Guaranteed lifetime income: Create guaranteed lifetime income with the optional SecureSource® benefits, available for a fee.
  • Wealth transfer: Protect your legacy with guaranteed death benefits and transfer assets directly to your beneficiaries.

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Structured annuities

RiverSource Structured SolutionsSM annuity provides you with opportunities to grow your money and a level of protection that can help eliminate some of the risk that comes from investing. You can benefit from:

  • Exposure to equity markets: This can give you the growth potential you need to help achieve your goals.
  • The potential for growth: Your money can grow based on the crediting method of the indexed accounts you select. You are not invested in the market. Instead, the performance of the underlying indexes or Exchange Traded Fund will determine how much you can earn (either up to a cap or subject to a fee).
  • A level of protection: Each indexed account includes a protection option – a buffer or a floor. If the index has a negative return, your losses will be reduced by a buffer or limited to a floor. While you can lose money, you will have a safeguard in place that may help lessen the impact of negative performance.

Not available in New York or Oregon. Pending approval in PA.

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Fixed index annuities

RiverSource® fixed index annuity can help add stability and growth potential to your retirement portfolio with these benefits:

  • Principal protection:* With a fixed index annuity, you are not investing in the market. Instead, a fixed index annuity offers you the opportunity to be credited interest, up to a cap, based on the performance of certain market indexes, with the assurance of knowing your principal is protected from losses.
  • Growth opportunities: Multiple indexed accounts, along with a fixed account, provide you with opportunities to accumulate interest.
  • Guaranteed lifetime income: Create guaranteed lifetime income with the optional IncomeSureSM benefit, available for a fee.

*Principal protection applies to the contract value before any optional rider fees. Rider fees will cause your contract value to decrease.

Not available in New York.

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Fixed annuities

RiverSource® fixed annuity can provide a fixed rate of return and protect your original principal, which you've worked hard to earn. Add balance to your portfolio with these benefits:

  • Guaranteed principal: Add protection for your hard-earned money, because the amount you put into the annuity is guaranteed.
  • Guaranteed returns: Enjoy a fixed guaranteed interest rate, no matter what’s happening in the market. With a fixed annuity, you are not investing in the market.
  • Added stability: You can add stability to help diversify your portfolio. Your principal and interest rate are backed by the strength and stability of RiverSource Life Insurance Company and, in New York, RiverSource Life Insurance Co. of New York.

Your financial professional can help you determine which annuity is right for you.

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Immediate annuities

Create guaranteed income from a SecureProvider immediate annuity to help reduce the uncertainty you may face around meeting your retirement goals. SecureProvider offers an approach to creating income that is:

  • Simple: Identify the amount of income needed to fill any potential gaps and select your payout option.
  • Certain: Your retirement income is locked-in and guaranteed regardless of the ups and downs in the market.
  • Tailored: There are a variety of payout options to meet different needs.

Your financial professional can help you determine which annuity is right for you.

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The guarantees offered by RiverSource® annuities are backed by the strength and soundness of RiverSource Life Insurance Company and, in New York, RiverSource Life Insurance Co. of New York, and are subject to its claims-paying ability. These guarantees do not apply to the investments in the annuity, which will vary with market conditions.

View important information about annuities, and how to request a variable annuity prospectus.
 
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