Accumulation Protector Benefit®

Accumulate with protection

Investing for retirement can be challenging. You may be torn between the desire to protect your money from losses and the desire to invest for growth. The investments you choose can have a profound financial impact on your ability to achieve a more confident retirement.

Protect It. Lock It. Take It.®

What if you could enjoy both the growth potential of the market and the comfort of knowing your original investment is protected as you accumulate for retirement? The Accumulation Protector Benefit (APB®), an optional rider available with a RiverSource® variable annuity, can protect your principal while you accumulate for up to 10 years. It does this in three important ways:

  • Protect It. If there are losses to your original investment, we'll pay you back — after a 10-year waiting period, you are guaranteed to get back at least what you put in.
  • Lock It. If your investment grows, we'll help protect your gains — APB automatically locks in 90% of the highest anniversary value your investment achieves.*
  • Take It. You have flexibility to access your money however you would like — after the 10-year waiting period, you can choose to take withdrawals, create an income stream or get full access to your money.

APB is available for a fee of 1.15% annually of the greater of the contract value or guaranteed value. The fee can change but will never exceed 2.00%.

After the 10-year waiting period, your contract value may be more than your benefit amount, resulting in no monetary value derived from APB.

For more details about the Accumulation Protector Benefit, read the client brochure and your prospectus.

Talk with your Ameriprise financial advisor today to learn more about how RiverSource annuities can help you reach your retirement goals. Or, call our Ameriprise Advisor Center at 800-257-8740 8 a.m. to 5 p.m. Central time Monday through Friday.

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.

* After fees are deducted. The elective step-up is not available for Inherited IRAs and may not be available if the waiting period would extend beyond the Annuitization Start Date, the data on which the contract would be automatically annuitized.