Take charge of your retirement by adding optional benefits to your annuity

RiverSource® annuities can help with a wide range of retirement needs, including protecting your wealth, providing lifetime income guarantees and leaving a legacy. Optional benefits, available for an additional fee, can be added to your annuity contract to meet your specific goals and needs.

Types of optional benefits

There are two types of optional benefits: living benefits and death benefits. An optional benefit can be added to certain annuity contracts to help solve a specific need such as income protection, growth opportunities and/or maximizing what you leave behind. Optional benefits must be chosen at the time you open an annuity.

 

Optional living benefits

RiverSource® variable annuities can help you address the challenges of retirement with more confidence and build your retirement portfolio in a number of powerful ways. We offer optional living benefits for an additional fee that can help you live more confidently throughout retirement by:

  • Protecting your investment
  • Offering opportunities for guaranteed income growth while accumulating
  • Providing guaranteed income for life

 

Optional death benefits

RiverSource® variable annuities can help you share a legacy with your beneficiaries and ensure the people and causes that mean the most to you receive as much as possible. We offer optional death benefits for an additional fee to help you:

  • Grow – Opportunities to lock in gains on your contract anniversary
  • Guarantee – Protect your principal regardless of market performance
  • Give – Maximize the wealth you are able to leave behind

Learn more about RiverSource death benefits.

 

 

 

Optional living benefit solutions

  • SecureSource 5℠ or SecureSource 5 Plus

  • SecureSource Core 2℠ and SecureSource Core Plus® 

  • SecureSource Tempo℠ and SecureSource Tempo NY℠

  • Accumulation Protector Benefit® (APB®)

SecureSource 5 ℠, SecureSource 5 Plus ℠, SecureSource 5 NY ℠ and SecureSource 5 Plus NY ℠ benefits

  • Provide opportunities for income growth
  • Provide a lifetime income, including the opportunity for an annual income bonus, that can help you meet your retirement expenses
  • Variable annuities are insurance products that are complex long-term investment vehicles that are subject to market risk, including the potential loss of principle invested

Learn more specifics about these riders now: SecureSource 5℠, SecureSource 5 Plus℠, SecureSource5 NY℠ and SecureSource 5 Plus NY℠

SecureSource Core 2℠, SecureSource Core Plus® (Currently Unavailable), SecureSource Core 2 NY℠ and SecureSource Core Plus NY® (Currently Unavailable) benefits

  • Provide opportunities for income growth
  • Provide a lifetime income that can help you meet your retirement expenses
  • Optional SecureSource Legacy® benefit, available for an additional fee, allows you to maximize the amount you leave behind

Learn more specifics about these riders now: SecureSource Core 2℠, SecureSource Core Plus® (Currently Unavailable), SecureSource Core 2 NY℠ and SecureSource Core Plus NY® (Currently Unavailable) benefits

SecureSource Tempo℠ and SecureSource Tempo NY℠

  • Provide opportunities for income growth
  • Provide a lifetime income, including the opportunity for an additional income bonus, that can help you meet your retirement expenses
  • Optional SecureSource Legacy® benefit, available for an additional fee, allows you to maximize the amount you leave behind

Learn more specifics about these riders now: SecureSource Tempo℠ and SecureSource Tempo NY℠

Accumulation Protector Benefit® (APB®) (Currently Unavailable)

  • Protects your original investment from losses
  • Locks in 90% of your contract anniversary gains in an up market
  • Offers flexibility to take your money however you would like after a waiting period

Learn more specifics about this rider now: Accumulation Protector Benefit® (APB®) (Currently Unavailable)

Ready to invest in an annuity?

Talk to an advisor to discuss variable annuities.  Contact your Ameriprise financial 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 by RiverSource Life Insurance Co. of New York and are subject to their continued claims-paying ability. These guarantees do not apply to the performance of the investments in your annuity, which will vary with market conditions.
View important information about annuities, and how to request a variable annuity prospectus.
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