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RiverSource® Variable Universal Life 6 - New York

RiverSource Variable Universal Life 6 (VUL 6) permanent life insurance policy provides essential protection and an income tax-free death benefit. It allows you to take advantage of the market's growth opportunities and enjoy tax-deferred accumulation and tax-free withdrawals (when structured properly) — all while protecting your loved ones.


RiverSource Variable Universal Life 6 offers:

  • Income tax-free death benefit
  • Tax-deferred cash growth opportunities including:
    • Over 85 subaccounts from well-known companies covering a wide array of asset classes.
    • A fixed account — An account offering a guaranteed minimum interest rate of 1.0%.
    • Fixed indexed accounts — Two accounts to which interest is credited based on movement in a well-known index and subject to a current cap and floor.
  • Tax-free income when properly structured
  • A wide array of investment options including advice-embedded portfolio funds to help tailor the policy investments to your risk tolerance
  • No-lapse guarantees to the later of age 75 or 10 years.


Accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefit and negate any guarantees against lapse.

All guarantees are based on the continued claims paying ability of the issuing company and do not apply to the performance of the variable subaccounts, which will vary with market conditions.


Average annual rates of return reflect all charges incurred by the funds and charges against the subaccounts (including the mortality and expense risk charge). The rates labeled Without Charges do not reflect the premium expense charge, surrender charge or monthly deduction charge. If these charges have been deducted, the performance quoted would have been significantly lower. The rates labeled With Charges do reflect the premium expense charge of 4.00% but do not reflect the surrender charge or monthly deduction charge. If these charges had been deducted, the performance quoted would have been significantly lower. The monthly deductions charge includes the cost of insurance charge which is based on the amount of the death benefit, the policy value and the insured's attained insurance age, sex and risk classification. The surrender charge is based on the insured's insurance age, sex, risk classification and the initial specified amounts. The impact of the policy charges on the policy values can be significant. You are urged to obtain a personalized illustration from your financial advisor prior to finalizing your purchase. The policy form numbers for this product are ICC12 132376, and 132376.

Performance report

Performance report (PDF)
Average Annual Total Returns(%)
Since Commencement of the Subaccount Since Commencement of the Fund
Subaccount Category Fund &
Incept. Date
YTD 1 Yr 3 Yr 5 Yr 10
1 Yr 3 Yr 5 Yr 10

    *If subaccount or fund is less than 1 year old, the reported returns are cumulative, not annualized.

    Performance information shown represents past performance and is not a guarantee of future results. The investment return and principal value of your investment will fluctuate so that your shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance information shown.

    We show actual performance from the date the subaccounts began investing in the funds. We also show performance from the commencement date of the funds as if the life insurance policy existed at that time, which it did not.

    Subaccount inception date is the date on which a price level (based on various benefits and fees) is first offered in any product. If that same price level is later added to another product, we continue to use the original inception date. In one product, there can be multiple price levels invested in the same underlying fund.

    A fund underlying your contract in which a subaccount invests may have a name, portfolio manager, objectives, strategies and characteristics that are the same or substantially similar to those of a publicly-traded retail mutual fund. Despite these similarities, an underlying fund is not the same as any publicly traded retail mutual fund. Each underlying fund will have its own unique portfolio holdings, fees, operating expenses and operating results. The results of each underlying fund may differ significantly from any publicly-traded retail mutual fund.

    Variable life insurance is a complex investment vehicle that is subject to market risk, including the potential loss of principal invested.

    You should consider the investment objectives, risks, charges and expenses of the variable insurance and its underlying investment options carefully before investing. For a free copy of the insurance prospectus and underlying investment's prospectus, which contains this and other information about variable insurance, call (800) 333-3437. Read the prospectus carefully before you invest.

    Cash Management
    An investment in the Cash Management fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to maintain the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund. The 7-day yields shown reflect more closely the earnings of the fund than the total return numbers. Short-term yields may be higher or lower than the figures shown. Contact your advisor or call 1(800) 862-7919 for the most current yield.

    U.S. Equities
    Mid Cap: Stocks of medium sized companies involve greater risks and volatility than stocks in larger, more established companies. Small-Cap: Stocks of small-sized companies are more volatile and less liquid than the stocks of larger companies. Small company securities involve special risks such as relatively small revenues, limited product lines, and small market shares.

    International Stock
    International investment involves increased risk and volatility due to potential political and economic instability, currency fluctuations, and differences in financial reporting and accounting standards and oversight. Risks are particularly significant in emerging markets.

    There are risks associated with an investment in a bond fund, including credit risk, interest rate risk, prepayment risk, and extension risk. In general, bond prices rise when interest rates fall and vice versa. This effect is more pronounced for longer-term securities.

    Non-investment grade bonds, commonly called "high-yield" or "junk" bonds, have more volatile prices and carry more risk to principal and income than investment grade securities.

    Funds whose investments are concentrated in a specific industry, sector, or geographic area may be subject to a higher degree of market risk than funds whose investments are diversified.

    While commodities carry risk levels comparable to equities, their prices can be impacted by a wide range of forces including; demographic and technological change, weather, geopolitical events, etc. These factors may lead uncertainly in the marketplace, causing individual commodity prices to move sharply higher or lower. This potential for increased volatility may not make this investment suitable for all investors.

    Real Estate
    Real estate investments are a narrowly focused sector investment and may exhibit higher volatility than investments with broader investment objectives. An investment in real estate is subject to the same risks as a direct investment in real estate. Such risks include market risk, economic risk and mortgage rate risk.

    Pyramis® Trademark
    Pyramis® is a registered service mark of FMR LLC. Used Under License.

    S&P Trademark
    Standard & Poor's®, S&P, S&P 500® and Standard & Poor's 500® are trademarks of The McGraw-Hill Companies, Inc. These trademarks have been licensed for use by Ameriprise Financial Services, Inc. The Fund is not sponsored, endorsed, sold or promoted by Standard & Poor's or any of its subsidiaries or affiliates (the Licensors) and the Licensors make no representation regarding the advisability of investing in the Fund.

    Daily Unit Values

    Daily unit values are available for each investment option for a specific product.

    Daily unit value report

    Subaccount Category Unit Value Daily Change Daily % Change

    Fees & Charges

    An outline of costs of the RiverSource Variable Universal Life 6 policy, including charges for policy transactions you may choose to initiate.


    Premium expense charge


    Policy fee

    Charged monthly

    Cost of insurance

    Cost per thousand dollars of coverage based on age, gender and health


    Mortality and expense risk charge

    0% (Current)

    Administrative Charge

    Cost per thousand dollars of coverage charged monthly

    Partial surrender charge

    Lesser of $25 or 2% of amount surrendered

    Full surrender charge

    Decreasing monthly for next 10 years

    Effective loan interest rate

    Years 1-10


    Years 11+

    1% (Current)

    Accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefit and negate any guarantees against lapse.

    Investing Solutions

    When it comes to managing your policy's investment options, you can choose the approach best suited to your goals, risk tolerance and investment objectives.

    Your policy also offers Portfolio Stabilizer, a risk-managed asset allocation approach where your portfolio’s equity and fixed income exposure is adjusted during volatile markets or Portfolio Navigator, a traditional managed asset allocation approach.


    Portfolio Stabilizer funds

    Four professionally managed funds—ranging from conservative to growth—that adjust your equity and fixed-income exposure in response to anticipated market volatility, helping you manage your risk exposure and providing you with more consistent returns over time.


    Portfolio Navigator portfolios

    Five professionally managed portfolios—ranging from conservative to aggressive—that provide professional investment analysis designed to provide you with a sophisticated, yet straightforward way to invest.

    Work with your financial advisor to design a customized portfolio that helps you realize your financial objectives and matches your investment style.

    Optional Benefits

    Optional riders and features are available at an additional cost to cover a wide range of needs, including guaranteeing coverage against lapse, waiver of premium due to disability, and acceleration of death benefit due to terminal illness or to help cover qualified long-term or chronic care expenses1. The following are some examples of optional riders and features available on RiverSource Variable Universal Life 6:


    No-Lapse Guarantees2 

    No-Lapse Guarantees2 offer guaranteed coverage to the later of age 75 or 10 years — regardless of market performance — as long as required premiums are paid. (All guarantees are based on the continued claims-paying ability of the issuing company and do not apply to the performance of the variable subaccounts, which will vary with market conditions.)


    AdvanceSource®  rider

    AdvanceSource® rider gives you the option to accelerate a portion of the death benefit to help pay for expenses should you become chronically ill3. When the policy's death benefit is accelerated for long-term care expenses, the death benefit and the cash value are reduced proportionately.


    Accelerated Benefit Rider for Terminal Illness (ABRTI)

    Accelerated Benefit Rider for Terminal Illness (ABRTI) provides that you can withdraw a portion of the death benefit prior to death if the insured is terminally ill and death is expected to occur within six months in AZ, AR, CT, DC, DE, MT, ND and SD and in twelve months in all other states.


    Accidental Death Benefit Rider (ADB)

    Accidental Death Benefit Rider (ADB) provides an additional death benefit if the insured's death is caused by accidental injury.


    Automatic Increase Benefit Rider (AIBR)

    Automatic Increase Benefit Rider (AIBR) provides an increase in the specified amount at a designated percentage on each policy anniversary until the earliest of the insured's attained insurance age 65 or the occurrence of certain other events, as described in the rider.


    Children's Insurance Rider (CIR) 

    Children's Insurance Rider (CIR) provides level term coverage on each eligible child.


    Waiver of Monthly Deduction Rider (WMD)

    Under WMD, we will waive the monthly deduction if the insured becomes totally disabled before attained insurance age 60.
    In addition:

    • If total disability begins on or after attained insurance age 60 but before attained insurance age 65, the monthly deduction will be waived only for a limited period of time; and
    • WMD also includes a waiver for involuntary unemployment benefit where monthly deductions may be waived up to 12 months.


    Waiver of Premium Rider (WP)

    Waiver of Premium Rider (WP) will waive a chosen amount of premium for your policy and riders after you've been disabled for six months. If total disability begins before attained insurance age 60, prior to attained insurance age 65 we will add the specified premium shown under Policy Data in the policy to the policy value or waive the monthly deduction if higher. On or after attained insurance age 65, we will waive the monthly deduction.
    In addition:

    • If total disability begins on or after attained insurance age 60 but before attained insurance age 65, the monthly deduction will be waived for a limited period of time; and
    • WP also includes a waiver for involuntary unemployment benefit where monthly deductions may be waived up to 12 months.


    Overloan Protection Benefit (OPB)

    Overloan Protection Benefit (OPB) can protect against policy lapse resulting from extensive loans against the policy which may result in taxes. As long as the requirements stated in the policy are met, you can elect to have the policy converted to a paid up policy. There is no additional charge for the feature until you exercise this option.


    1 Certain riders may not be approved in all states and some restrictions may apply.
    2 Death benefit guarantee in Illinois
    3 Chronically ill means an individual has been certified by a licensed health care practitioner as being unable to perform two out of six activities of daily living without substantial assistance from another individual for at least 90 days due to loss of functional capacity, or needs substantial supervision due to severe cognitive impairment.
    Please contact your advisor with any questions.

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