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RiverSource Structured Solutions 2 Annuity 3-Year

The RiverSource Structured Solutions 2 Annuity 3-Year guarantees financial peace of mind. With it, retirees can enjoy a steady income, safeguarded against market downturns.

Your golden years should be about relaxation, not financial stress. Choosing this Annuity product, you're ensuring a worry-free future. So let's embrace uncertainty, with RiverSource!

RiverSource Structured Solutions 2 Annuity 3-Year

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Your State

Investment

Your Gender

Your Age

Retire At

No agent will call you

About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

3 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, SEP IRA, IRA-Roth, Inherited IRA, and NQ Stretch

The RiverSource Structured Solutions annuity is an individual limited flexible purchase payment deferred indexed-linked annuity contract with fixed and index-linked investment options.

Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year S&P 500 Dual Directional Cap 20% Buffer	Dual Directional Annual	5% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 10% Buffer	Dual Directional Annual	14.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 15% Buffer	Dual Directional Annual	7.5% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer	Dual Directional Annual	4% Cap
1-Year S&P 500 Dual Directional Cap 15% Buffer	Dual Directional Annual	7% Cap
1-Year S&P 500 Dual Directional Cap 10% Buffer	Dual Directional Annual	9.5% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 25% Buffer	Dual Directional Triennial	27% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer	Dual Directional Triennial	35% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer Uncapped	Dual Directional Triennial	150% Participation
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer Uncapped	Dual Directional Triennial	110% Participation
3-Year S&P 500 Dual Directional Cap 25% Buffer	Dual Directional Triennial	20% Cap
3-Year S&P 500 Dual Directional Cap 20% Buffer	Dual Directional Triennial	24% Cap
3-Year S&P 500 Dual Directional Cap 15% Buffer	Dual Directional Triennial	28% Cap
3-Year S&P 500 Dual Directional Cap 10% Buffer	Dual Directional Triennial	34% Cap
1-Year S&P 500 Contingent Yield with 30% Trigger rate	Contingent Yield with Trigger Rate Annual	5.75% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 30% Trigger rate	Contingent Yield with Trigger Rate Annual	6.75% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Biennial	13.1% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Annual	6.2% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Annual	7.45% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Annual	9.15% Performance triggered
1-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Annual	5.45% Performance triggered
1-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Annual	6.15% Performance triggered
1-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Annual	5.45% Performance triggered
2-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Biennial	14.35% Performance triggered
2-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Biennial	12.75% Performance triggered
2-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Biennial	11.4% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Biennial	17.75% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer	Contingent Yield Triennial	20.05% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Triennial	22.7% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer	Contingent Yield Triennial	26.1% Performance triggered
3-Year S&P 500 Contingent Yield with 20% Buffer	Contingent Yield Triennial	17.45% Performance triggered
3-Year S&P 500 Contingent Yield with 15% Buffer	Contingent Yield Triennial	19.3% Performance triggered
3-Year S&P 500 Contingent Yield with 10% Buffer	Contingent Yield Triennial	21.4% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer	Contingent Yield Biennial	15.15% Performance triggered
3-Year S&P 500 Annual Lock Cap 10% Buffer	Annual Lock Triennial	10.5% Cap
3-Year Nasdaq-100 PTP Cap 15% Buffer Annual Fee	Point to Point Triennial	55% Cap
1-Year S&P 500 PTP Cap 10% Buffer Annual Fee	Point to Point Annual	21.5% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer Uncapped	Point to Point Triennial	102% Participation
1-Year S&P 500 PTP Cap 15% Buffer	Point to Point Annual	10% Cap
1-Year S&P 500 PTP Cap 20% Buffer	Point to Point Annual	8.5% Cap
3-Year Russell 2000 PTP 15% Buffer Uncapped Annual Fee	Point to Point Triennial	80% Participation
1-Year S&P 500 PTP Cap 10% Buffer	Point to Point Annual	12.5% Cap
1-Year Russell 2000 PTP Cap 10% Buffer	Point to Point Annual	18.25% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer	Point to Point Annual	14.25% Cap
1-Year MSCI Emerging Markets PTP Cap 10% Buffer	Point to Point Annual	16% Cap
1-Year Nasdaq-100 PTP Cap 10% Buffer	Point to Point Annual	15.25% Cap
1-Year iShares U.S. Real Estate ETF PTP Cap 10% Buffer	Point to Point Annual	22% Cap
3-Year S&P 500 PTP Cap 10% Buffer	Point to Point Triennial	36% Cap
3-Year Russell 2000 PTP Cap 10% Buffer	Point to Point Triennial	58% Cap
3-Year Nasdaq-100 PTP Cap 20% Buffer	Point to Point Triennial	35% Cap
3-Year S&P 500 PTP Cap 15% Buffer	Point to Point Triennial	31% Cap
3-Year Russell 2000 PTP Cap 15% Buffer	Point to Point Triennial	48% Cap
3-Year MSCI EAFE PTP Cap 15% Buffer	Point to Point Triennial	85% Cap
3-Year S&P 500 PTP 15% Buffer Uncapped Annual Fee	Point to Point Triennial	50% Participation
3-Year S&P 500 PTP Cap 20% Buffer	Point to Point Triennial	29% Cap
1-Year S&P 500 PTP Cap 25% Buffer	Point to Point Annual	7.5% Cap
1-Year S&P 500 PTP Cap 100% Buffer	Point to Point Annual	6% Cap
3-Year Russell 2000 PTP Cap 20% Buffer	Point to Point Triennial	42% Cap
3-Year MSCI EAFE PTP Cap 20% Buffer	Point to Point Triennial	43% Cap
3-Year Nasdaq-100 PTP Cap 10% Buffer	Point to Point Triennial	45% Cap
3-Year Nasdaq-100 PTP Cap 15% Buffer	Point to Point Triennial	39% Cap

Surrender schedule

Year	1	2	3
Penalty	8%	7%	6%

Riders

No Riders for RiverSource Structured Solutions 2 Annuity 3-Year annuity.

Waivers

Death

We do not assess Surrender Charges for death benefit payments made in the event of Your death.

Hospital

Surrenders You make if You are confined to a hospital or nursing home and have been for the prior 60 days or confinement began within 30 days following a prior 60-day confinement period. Such confinement must begin after the Contract Date. Your Contract will include this provision when You are under age 76 at Contract issue. You must provide us with a letter containing proof satisfactory to Us of the confinement as of the date You request the surrender. We must receive Your surrender request no later than 91 days after Your release from the hospital or nursing home. The amount surrendered must be paid directly to You.

Nursing Home

Terminal Illness

Surrenders You make if You are diagnosed in the second or later Contract Years with a medical condition that with reasonable medical certainty will result in death within 12 months or less from the date of the diagnosis. You must provide Us with a licensed physician’s statement containing the terminal illness diagnosis, the expected date of death and the date the terminal illness was initially diagnosed. The amount surrendered must be paid directly to You.

Premium Notes

Purchase Payments
Purchase payment limits are based on Your age on the effective date of the payment.
Minimum initial purchase payment:

Non-Qualified: $10,000
Qualified: $10,000 (not available for 401(a), 403(b), simple IRAs and 501c(3))

Maximum total purchase payments per owner is $1,000,000 ($100,000 for ages 86 to 90).

Additional purchase payments

Additional purchase payments can be made for 90 days after the date the contract is issued. The additional payments are held in the interim account earning daily fixed interest until your next contract anniversary. At that time, the funds will be allocated based on your rebalancing or transfer instructions. If you do not provide instructions, the money will be automatically transferred to the fixed account.
Minimum additional purchase payment $50

Note: Inherited/Beneficiary IRA available as a rollover.

Withdrawal Provisions

Withdrawal privilegesDuring 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.

Company Founded: 1894

TOP Rated Company

RiverSource Life Insurance Company

Company Ratings

4.9