Variable annuities

Take charge of your retirement

You may have questions as you plan for retirement such as, “When is the right time to stop working and retire? Will my money last? How can I protect my money for my beneficiaries?” A variable annuity can help you prepare for these retirement challenges with the opportunity to grow your portfolio, enjoy income and share your legacy with the people and causes that matter most.

What is a variable annuity and what does it offer?

A variable annuity is a long-term retirement investment issued by an insurance company that can help you:

  • Grow your money

  • Take income in retirement

  • Pass on your wealth

A variable annuity offers:

  • More than 120 funds, giving you the ability to invest in the market while taking advantage of tax deferral -- you pay no taxes on earnings until they are withdrawn

  • A program designed to help you create annuity income projected to be sustainable

  • Opportunities to protect your investment for your spouse or other beneficiaries -- no matter how your annuity performs


Help optimize your wealth and allow assets to grow

In a variable annuity, your money has the opportunity to grow by investing in subaccount funds made up of stocks and bonds that rise and fall with the market. Over time, you can earn a “variable” rate of return. As with other investments, there is potential to lose money based on the performance of the subaccount funds.


Discover if a variable annuity is right for your retirement strategy. Get guidance from an advisor.




Variable annuity solutions

  • RiverSource® RAVA variable annuities

  • RiverSource RAVA 5 Access® inherited nonqualified stretch annuity

RiverSource® RAVA variable annuities

  • Professionally managed investments
  • Opportunity to grow your investment tax-deferred
  • Death benefits that protect your investment for your loved ones
  • An optional program called Income GuideSM to help you take income that's projected to be sustainable over your lifetime

Get the details for the RAVA Apex® (see the New York version) and Rava Vista® (see the New York version) variable annuities.

RiverSource® RAVA 5 Access® inherited nonqualified stretch annuity

  • Exclusively for beneficiaries of nonqualified annuities
  • Annual required distributions allow you to “stretch” out the taxes owed over your lifetime
  • Over 120 funds to select from let you take advantage of the growth potential of the markets

Reinvest your money according to your needs with a RAVA 5 Access® variable annuity.

U.S. investors say increasing taxes and their impact on investments is their biggest financial fear.

Source: 2021 NATIXIS Global Survey of Individual Investors

Find out more

For New York and Texas, please select your state. For all others, please select National, then the product name.

Talk to your advisor to find out if variable annuities are right for you and your financial needs.

Ready to invest in an annuity?

Talk to an advisor to discuss variable annuities. Contact your Ameriprise advisor, or, if you don’t have one, get connected to a knowledgeable advisor who can help.

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 their 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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