RiverSource Structured Solutions 2 Annuity 3-Year
RiverSource Structured Solutions 2 Annuity 3-Year
Ratings:
- A.M. Best A+
- S&P A+
- Moody's A1
- Comdex 90
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
|
14%
Cap
|
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Cap 15% Buffer |
Dual Directional
Annual
|
7.25%
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
|
6.75%
Cap
|
1-Year S&P 500 Dual Directional Cap 10% Buffer |
Dual Directional
Annual
|
9.25%
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
|
39%
Cap
|
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer Uncapped |
Dual Directional
Triennial
|
102%
Participation
|
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer Uncapped |
Dual Directional
Triennial
|
114%
Participation
|
3-Year S&P 500 Dual Directional Cap 25% Buffer |
Dual Directional
Triennial
|
22%
Cap
|
3-Year S&P 500 Dual Directional Cap 20% Buffer |
Dual Directional
Triennial
|
26%
Cap
|
3-Year S&P 500 Dual Directional Cap 15% Buffer |
Dual Directional
Triennial
|
30%
Cap
|
3-Year S&P 500 Dual Directional Cap 10% Buffer |
Dual Directional
Triennial
|
38%
Cap
|
1-Year S&P 500 Contingent Yield with 30% Trigger rate |
Contingent Yield with Trigger Rate
Annual
|
5.35%
Performance triggered
|
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 30% Trigger rate |
Contingent Yield with Trigger Rate
Annual
|
6.35%
Performance triggered
|
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer |
Contingent Yield
Biennial
|
12.8%
Performance triggered
|
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer |
Contingent Yield
Annual
|
5.8%
Performance triggered
|
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer |
Contingent Yield
Annual
|
7.05%
Performance triggered
|
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer |
Contingent Yield
Annual
|
8.75%
Performance triggered
|
1-Year S&P 500 Contingent Yield with 20% Buffer |
Contingent Yield
Annual
|
5.05%
Performance triggered
|
1-Year S&P 500 Contingent Yield with 15% Buffer |
Contingent Yield
Annual
|
5.75%
Performance triggered
|
1-Year S&P 500 Contingent Yield with 10% Buffer |
Contingent Yield
Annual
|
6.85%
Performance triggered
|
2-Year S&P 500 Contingent Yield with 10% Buffer |
Contingent Yield
Biennial
|
14.1%
Performance triggered
|
2-Year S&P 500 Contingent Yield with 15% Buffer |
Contingent Yield
Biennial
|
12.5%
Performance triggered
|
2-Year S&P 500 Contingent Yield with 20% Buffer |
Contingent Yield
Biennial
|
11.15%
Performance triggered
|
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer |
Contingent Yield
Biennial
|
17.45%
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
|
14.85%
Performance triggered
|
3-Year S&P 500 Annual Lock Cap 10% Buffer |
Annual Lock
Triennial
|
11%
Cap
|
3-Year Nasdaq-100 PTP Cap 15% Buffer Annual Fee |
Point to Point
Triennial
|
65%
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
|
9.75%
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
|
|
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%
Cap
|
1-Year MSCI EAFE PTP Cap 10% Buffer |
Point to Point
Annual
|
13.75%
Cap
|
1-Year MSCI Emerging Markets PTP Cap 10% Buffer |
Point to Point
Annual
|
15%
Cap
|
1-Year Nasdaq-100 PTP Cap 10% Buffer |
Point to Point
Annual
|
14.75%
Cap
|
1-Year iShares U.S. Real Estate ETF PTP Cap 10% Buffer |
Point to Point
Annual
|
21%
Cap
|
3-Year S&P 500 PTP Cap 10% Buffer |
Point to Point
Triennial
|
42%
Cap
|
3-Year Russell 2000 PTP Cap 10% Buffer |
Point to Point
Triennial
|
63%
Cap
|
3-Year Nasdaq-100 PTP Cap 20% Buffer |
Point to Point
Triennial
|
36%
Cap
|
3-Year S&P 500 PTP Cap 15% Buffer |
Point to Point
Triennial
|
35%
Cap
|
3-Year Russell 2000 PTP Cap 15% Buffer |
Point to Point
Triennial
|
53%
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
|
100%
Participation
|
3-Year S&P 500 PTP Cap 20% Buffer |
Point to Point
Triennial
|
31%
Cap
|
1-Year S&P 500 PTP Cap 25% Buffer |
Point to Point
Annual
|
7.25%
Cap
|
1-Year S&P 500 PTP Cap 100% Buffer |
Point to Point
Annual
|
5.75%
Cap
|
3-Year Russell 2000 PTP Cap 20% Buffer |
Point to Point
Triennial
|
45%
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
|
49%
Cap
|
3-Year Nasdaq-100 PTP Cap 15% Buffer |
Point to Point
Triennial
|
42%
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.