Protected AdvantageSM fixed annuities

RiverSource Protected Advantage fixed annuities are a single-premium series of products that offer rate and timeline options which can benefit you in both your accumulation and retirement years.

There are three options to choose from based on surrender charge schedule. Review the choices below and discuss with your Ameriprise financial advisor which fixed annuity may be right for you.

Protected Advantage fixed annuity surrender charge schedules

Contract years 1 2 3 4 5 6 7 8 9 10 11+
Protected Advantage — 6 year 9% 8% 7% 6% 5% 4% 0% 0% 0% 0% 0%
Protected Advantage — 8 year 9% 8% 7% 6% 5% 4% 3% 2% 0% 0% 0%
Protected Advantage — 10 year 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0%

The rate guaranteed period is 5 years for each option.

Getting started is easy.

Open your fixed annuity with as little as $2,000. You can earn a higher interest rate with amounts of $25,000 or more.

Access to your money during the surrender charge period.

Each year you can access up to 10% of the anniversary contract value without paying any surrender charges. Once you are out of your surrender charge period, you have full access to your money when and how you need it. Keep in mind that withdrawals made from a tax-deferred investment before age 59 1/2 may be subject to a 10% IRS penalty.