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
About Product
Allocation Accounts
Name | Type | Rates |
---|---|---|
1-Year S&P 500 Dual Directional Cap 20% Buffer |
Dual Directional
Annual
|
4.75%
Cap
|
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 10% Buffer |
Dual Directional
Annual
|
15.75%
Cap
|
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 15% Buffer |
Dual Directional
Annual
|
8%
Cap
|
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 20% Buffer |
Dual Directional
Annual
|
3.75%
Cap
|
1-Year S&P 500 Dual Directional Cap 15% Buffer |
Dual Directional
Annual
|
7.25%
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
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.
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 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))
Additional purchase payments
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.
- A.M. Best A+
- S&P A+
- Moody's A1
- Comdex 90