Structured annuities

Balance growth potential with a level of protection

When you're saving for retirement, the ups and down in the market can make it challenging to stay the course. You may be looking for growth potential and a level of protection to help eliminate some of the risks of investing. The RiverSource Structured Solutions℠ annuity is designed with these advantages, offering you a balanced solution to help you meet your financial goals.





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What is a structured annuity?

A structured annuity is a long-term retirement investment that can help you:

  • Gain exposure to equity markets

  • Create income

  • Safeguard your money with a level of protection that may help lessen the impact of negative performance

  • Protect your beneficiaries with a death benefit guarantee (age limitations apply)

With a RiverSource Structured Solutions annuity, you can allocate your money between a variety of indexed accounts. These indexed accounts are based on six well-known equity market indexes and an Exchange Traded Fund (ETF), providing exposure to U.S. equities and international equities, including emerging markets.

Your rate of return will be linked to the performance of the underlying indexes, but you will never be directly invested in the market. You can benefit from some protection from losses along the way, giving you the potential to weather the ups and downs of the market.



A structured solution to help you achieve your goals

The RiverSource Structured Solutions annuity offers the following advantages:

  • Exposure to equity markets: The RiverSource Structured Solutions annuity offers you equity market exposure, giving you the growth potential you need to help achieve your goals. With access to dozens of indexed accounts linked to well-known equity indexes, you can customize your annuity to meet your specific needs.

  • The potential for growth or yield: Your money can grow based on the crediting method of the indexed accounts you select. Four crediting methods provide returns that track to the performance of the underlying index. A fifth offers the potential to earn a predetermined yield and a way to systematically take the yield as income in years when it is earned. When you allocate money to an indexed account, you create a segment, which will mature in one, two, three or six years. Your earning potential will be based on the performance of the underlying index (up to a cap or subject to a fee) or a predetermined yield.*

  • A level of protection: Each indexed account includes a protection option – a buffer, a floor or a trigger – that may provide a certain level of protection against loss when the index rate of return is negative. You can choose to diversify your protection levels by allocating across multiple indexed accounts. While you can still lose money, you will have a safeguard in place that may help lessen the impact of negative performance.

  • A cost-effective way to invest: There are options to reduce or eliminate fees when segments are held to maturity.

  • Protection for your beneficiaries: The standard death benefit guarantee is a unique benefit of the RiverSource Structured Solutions annuity. This guarantee protects your investment for your heirs, even if your annuity contract loses value. Your beneficiaries are guaranteed to receive at least your principal -- adjusted proportionately for any withdrawals -- no matter how your annuity performs. The benefit is available at no additional charge if you are age 80 or younger when you purchase your annuity.



Structured annuity solutions

  • RiverSource Structured Solutions annuity

RiverSource Structured Solutions annuity

  • Exposure to equity markets with an opportunity to grow your money
  • Two turnkey ways to take income
  • A level of protection that may help eliminate some of the risks that come with investing
  • Tax-deferred growth: you don’t pay taxes on any earnings until you take withdrawals
  • Death benefit guarantee protects your investment for those you leave behind

Talk to your advisor today about RiverSource Structured Solutions. Don’t have a financial advisor? Find an advisor in your area now to discuss the benefits of an annuity.



Getting started

Minimum initial purchase payment: Non-Qualified: $10,000; Qualified: $10,000 (not available for 501c(3))


Additional purchase payments: Allowed only in the 90 days after the contract issue date. These payments will be held in an interim account earning daily fixed interest until your next contract anniversary, when they will automatically transfer out per your election instructions.


Maximum issue age: 90






Withdrawal charges


Contract year

6-year surrender charge

3-year surrender charge

1 8% 8%
2 7% 7%
3 6% 6%
4 5% 0%
5 4% 0%
6 3% 0%
7 0% 0%


Withdrawal options

During the first contract year, you have access to the greater of 10% of your purchase payments or earnings without surrender charges. In subsequent years, you have access to the greater of 10% of your prior year contract anniversary value or earnings without surrender charges.


There are two systematic withdrawal options: Contingent Yield Withdrawal Program, a convenient, automatic option if you want to withdraw only the earnings from your Contingent Yield segments, and Fixed Dollar Amount, if you want to withdraw a specific dollar amount—regardless of performance.


Because of their tax-deferred status, withdrawals made prior to age 59½ may incur an IRS 10% early withdrawal penalty.


There are other factors that can also impact a withdrawal. Please talk to your advisor before taking any withdrawals.



Rates and guarantees

Minimum Guaranteed Interest Rate for the fixed and interim accounts is 1.00%.


All guarantees are based on the continued claims-paying ability of the issuing company.


The guarantees offered by RiverSource® annuities are backed by the strength and soundness of RiverSource Life Insurance Company and are subject to its continued claims-paying ability.




Only 63% of surveyed workers are currently saving for retirement.

Employee Benefit Research Institute (EBRI) and Greenwald & Assoc., 2020 Retirement Confidence Survey. Not including Social Security or employer-provided money.

Talk to an advisor to discuss annuities

Contact your Ameriprise advisor, or, if you don't have one, get connected to a knowledgeable advisor who can help.

*For the No Cap with Annual Fee indexed accounts, the deduction of the fee may result in a negative return even if the index has positive performance.
In general, large-capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller companies. Generally, investments in small- and mid-cap companies involve risks, including volatility, that are greater than investments in larger, more established companies. Small- and mid-capitalization companies are more likely to fail than larger companies. It is possible that the iShares U.S. Real Estate ETF may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. The adherence to environmental, social and governance (ESG) standards and any subjective analyses and decisions to include or exclude large-capitalization companies in an ESG index may affect index performance. An index that incorporates ESG standards is not guaranteed to outperform others.
Not available in NY or OR.
Structured annuities are insurance products that are complex, long-term investment vehicles and are subject to risk, including the potential loss of principal.
Annuities are intended for retirement investing; therefore, withdrawals made from an annuity before age 59½ may be subject to a 10% IRS tax penalty.
If you use an annuity within a retirement plan that is already tax-deferred, such as an IRA, the annuity doesn’t provide any additional tax deferral.
The guarantees offered by RiverSource® annuities are backed by the strength and soundness of RiverSource Life Insurance Company and are subject to its continued claims-paying ability.
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