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. Variable and fixed annuities offer 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.

Learn more

Fixed index annuities

A 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 California and New York.

Learn more

Fixed annuities

A 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.

Learn more

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.