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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-brochure RiverSource Structured Solutions 2 Annuity 3-Year-brochure

RiverSource Structured Solutions 2 Annuity 3-Year

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About Product

Type
Registered Index-Linked
Purpose
Accumulation & Legacy
Term
3 Years
Surrender schedule
9%
8%
8%
Fee withdrawal:
10%
Market Value Adjustment
Yes
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$1,000,000
Max Age Qualified
90
Types Of Funds
Non-Qualified, Traditional IRA, IRA Rollover, SEP IRA, IRA-Roth, and Inherited IRA
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, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer
Dual Directional
Annual
100% Participation
6.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer
Dual Directional
Annual
100% Participation
22.5% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer
Dual Directional
Annual
100% Participation
13.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 20% Buffer
Dual Directional
Annual
100% Participation
8% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer
Dual Directional
Annual
100% Participation
8.5% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer
Dual Directional
Annual
100% Participation
11.5% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 25% Buffer
Dual Directional
Triennial
100% Participation
33% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 20% Buffer
Dual Directional
Triennial
100% Participation
40% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 15% Buffer
Dual Directional
Triennial
100% Participation
58% Cap
3-Year Lesser of (S&P 500, Russell 2000) Dual Directional Participation Rate with Cap 10% Buffer
Dual Directional
Triennial
105% Participation
3-Year S&P 500 Dual Directional Participation Rate with Cap 25% Buffer
Dual Directional
Triennial
100% Participation
24% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer
Dual Directional
Triennial
100% Participation
27% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer
Dual Directional
Triennial
100% Participation
32% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer
Dual Directional
Triennial
100% Participation
37% Cap
1-Year S&P 500 Contingent Yield with 30% Trigger rate
Contingent Yield with Trigger Rate
Annual
7.5% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 30% Trigger rate
Contingent Yield with Trigger Rate
Annual
8.75% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer
Contingent Yield
Biennial
14.85% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer
Contingent Yield
Annual
7.4% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer
Contingent Yield
Annual
9.05% Performance triggered
1-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer
Contingent Yield
Annual
11.2% Performance triggered
1-Year S&P 500 Contingent Yield with 20% Buffer
Contingent Yield
Annual
6.1% Performance triggered
1-Year S&P 500 Contingent Yield with 15% Buffer
Contingent Yield
Annual
7.1% Performance triggered
1-Year S&P 500 Contingent Yield with 10% Buffer
Contingent Yield
Annual
8.4% Performance triggered
2-Year S&P 500 Contingent Yield with 10% Buffer
Contingent Yield
Biennial
15.8% Performance triggered
2-Year S&P 500 Contingent Yield with 15% Buffer
Contingent Yield
Biennial
14% Performance triggered
2-Year S&P 500 Contingent Yield with 20% Buffer
Contingent Yield
Biennial
12.6% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer
Contingent Yield
Biennial
20.3% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 20% Buffer
Contingent Yield
Triennial
22.2% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer
Contingent Yield
Triennial
25.3% Performance triggered
3-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 10% Buffer
Contingent Yield
Triennial
28.8% Performance triggered
3-Year S&P 500 Contingent Yield with 20% Buffer
Contingent Yield
Triennial
18.9% Performance triggered
3-Year S&P 500 Contingent Yield with 15% Buffer
Contingent Yield
Triennial
20.65% Performance triggered
3-Year S&P 500 Contingent Yield with 10% Buffer
Contingent Yield
Triennial
22.75% Performance triggered
2-Year Lesser of (S&P 500, Russell 2000) Contingent Yield with 15% Buffer
Contingent Yield
Biennial
17.35% Performance triggered
3-Year S&P 500 Annual Lock Cap 10% Buffer
Annual Lock
Triennial
12% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer Annual Fee
Point to Point
Triennial
100% Participation
60% Cap
1-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Annual Fee
Point to Point
Annual
100% Participation
24% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer
Point to Point
Triennial
102% Participation
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 15% Buffer
Point to Point
Annual
100% Participation
20% Cap
1-Year S&P 500 PTP Participation Rate with Cap 20% Buffer
Point to Point
Annual
100% Participation
9.75% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer Annual Fee
Point to Point
Triennial
100% Participation
73% Cap
1-Year S&P 500 PTP Participation Rate with Cap 10% Buffer
Point to Point
Annual
100% Participation
14% Cap
1-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer
Point to Point
Annual
100% Participation
20% Cap
1-Year MSCI EAFE PTP Participation Rate with Cap 10% Buffer
Point to Point
Annual
100% Participation
16.5% Cap
1-Year MSCI Emerging Markets PTP Participation Rate with Cap 10% Buffer
Point to Point
Annual
100% Participation
29.5% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer
Point to Point
Annual
100% Participation
20% Cap
1-Year iShares U.S. Real Estate ETF PTP Participation Rate with Cap 10% Buffer
Point to Point
Annual
100% Participation
20.75% Cap
3-Year S&P 500 PTP Participation Rate with Cap 10% Buffer
Point to Point
Triennial
100% Participation
39% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer
Point to Point
Triennial
100% Participation
57% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 20% Buffer
Point to Point
Triennial
100% Participation
40% Cap
3-Year S&P 500 PTP Participation Rate with Cap 15% Buffer
Point to Point
Triennial
100% Participation
34% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 15% Buffer
Point to Point
Triennial
100% Participation
47% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 15% Buffer
Point to Point
Triennial
100% Participation
53% Cap
3-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Annual Fee
Point to Point
Triennial
100% Participation
49% Cap
3-Year S&P 500 PTP Participation Rate with Cap 20% Buffer
Point to Point
Triennial
100% Participation
31% Cap
1-Year S&P 500 PTP Participation Rate with Cap 25% Buffer
Point to Point
Annual
100% Participation
8.5% Cap
1-Year S&P 500 PTP Participation Rate with Cap 100% Buffer
Point to Point
Annual
100% Participation
5.5% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 20% Buffer
Point to Point
Triennial
100% Participation
41% Cap
3-Year MSCI EAFE PTP Participation Rate with Cap 20% Buffer
Point to Point
Triennial
100% Participation
42% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer
Point to Point
Triennial
100% Participation
51% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 15% Buffer
Point to Point
Triennial
100% Participation
46% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 25% Buffer Annual Fee
Dual Directional
Triennial
100% Participation
33% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer Annual Fee
Dual Directional
Triennial
100% Participation
37% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer Annual Fee
Dual Directional
Triennial
100% Participation
44% Cap
3-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer Annual Fee
Dual Directional
Triennial
100% Participation
56% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 20% Buffer Annual Fee
Dual Directional
Annual
100% Participation
10.5% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 15% Buffer Annual Fee
Dual Directional
Annual
100% Participation
13.5% Cap
1-Year S&P 500 Dual Directional Participation Rate with Cap 10% Buffer Annual Fee
Dual Directional
Annual
100% Participation
18.25% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 25% Buffer
Point to Point
Annual
100% Participation
12.25% Cap
1-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Annual Fee
Point to Point
Annual
100% Participation
32.5% Cap
1-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer Annual Fee
Point to Point
Annual
100% Participation
30.75% Cap
1-Year S&P 500 PTP Participation Rate with Cap 15% Buffer Annual Fee
Point to Point
Annual
100% Participation
18.25% Cap
1-Year S&P 500 PTP Participation Rate with Cap 15% Buffer
Point to Point
Annual
100% Participation
11.5% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 20% Buffer
Point to Point
Annual
100% Participation
15% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 100% Buffer
Point to Point
Annual
100% Participation
6.75% Cap
1-Year S&P 500 PTP Participation Rate with Cap 20% Buffer Annual Fee
Point to Point
Annual
100% Participation
15.5% Cap
1-Year S&P 500 PTP Participation Rate with Cap 25% Buffer Annual Fee
Point to Point
Annual
100% Participation
13.5% Cap
3-Year S&P 500 PTP Participation Rate with Cap 100% Buffer
Point to Point
Triennial
100% Participation
18% Cap
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 10% Buffer
Point to Point
Triennial
108% Participation
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 100% Buffer
Point to Point
Triennial
100% Participation
23% Cap
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 15% Buffer
Point to Point
Triennial
100% Participation
100% Cap
3-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 20% Buffer
Point to Point
Triennial
100% Participation
55% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 10% Buffer Annual Fee
Point to Point
Triennial
100% Participation
71% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 10% Buffer Annual Fee
Point to Point
Triennial
100% Participation
110% Cap
3-Year S&P 500 PTP Participation Rate with Cap 10% Buffer Annual Fee
Point to Point
Triennial
100% Participation
60% Cap
1-Year Lesser of (S&P 500, Russell 2000) PTP Participation Rate with Cap 10% Buffer
Point to Point
Annual
100% Participation
3-Year S&P 500 PTP Participation Rate with Cap 20% Buffer Annual Fee
Point to Point
Triennial
100% Participation
43% Cap
3-Year Russell 2000 PTP Participation Rate with Cap 20% Buffer Annual Fee
Point to Point
Triennial
100% Participation
60% Cap
3-Year Nasdaq-100 PTP Participation Rate with Cap 20% Buffer Annual Fee
Point to Point
Triennial
100% Participation
53% Cap

Surrender schedule

Year 1 2 3
Penalty 9% 8% 8%

Hypothetical Projection

Comparison against S&P 500 using current rates
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Riders

Name Inbuilt Fee
Death Benefit Rider (ages 81+) Yes 0.60% annually
MAV Death Benefit Rider Yes 0.30% annually

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 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 $3,000,000 ($1,000,000 for ages 76 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 

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.Market Value AdjustmentA positive or negative adjustment that applies to withdrawals during the surrender charge period. This includes required minimum distributions, “free amount” withdrawals, annuitizations, and amounts paid to the owner if you become terminally ill or are confined to a hospital or nursing home. The market value adjustment does not apply to withdrawals from the interim account or Income Choice monthly income. The adjustment amount is based on the change in the Bloomberg US Agg Credit index - Yield To Worst rate since the contract was issued. After the surrender charge period ends, no market value adjustments will be applied. 

Company Founded: 1894
TOP Rated Company
RiverSource Life Insurance Company
Company Ratings
4.9
  • A.M. Best A+
  • S&P A+
  • Moody's A1
  • Comdex 90
Assets: $23,784,508,526
Minnesota

Other RiverSource Products

RiverSource Structured Solutions 2 Annuity 6-Year
RiverSource Structured Solutions 2 Annuity 3-Year

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