1116551_M_0518

ADVISOR USE ONLY

As of May 2018

What is the purpose of the money?

It starts with a review of the clients’ current situation:
• How far are they away from retirement?
• What are their biggest concerns or goals for retirement?
• Do they have enough stable or guaranteed income sources to cover essential expenses?
• Can they benefit from additional tax deferral?
• Do they have assets earmarked for retirement that they want to pass on?
• Does the client have enough liquid assets in case of unexpected expenses?

RiverSource Annuities offers a spectrum of annuity choices across all life stages,
giving you multiple ways to help meet your clients’ unique needs and goals.

Accumulation Income Wealth Transfer
Needs Needs Needs

• Growing assets with a death • Monitoring income • Protecting legacy
benefit guarantee1
• Creating an income source • Maximizing what’s left behind
• Managing taxes/tax deferral
• Maintaining opportunities to • Re-purposing money that
• Saving for retirement grow future income won’t be spent

• Simply RAVA – annuity • Income GuideSM • Return of Purchase Payments
without a living benefit • SecureSource benefits (ROPP)1

• Accumulation Protector with Income Bonus • Maximum Anniversary Value
Benefit®(APB®) ◦ SecureSource 4® (MAV)
◦ SecureSource 4 NY®
• RiverSource AssuredSM fixed ◦ SecureSource 4 Plus® • Maximum Anniversary Value 5
index annuity ◦ SecureSource 4 Plus NY® (MAV5)

• SecureSource benefits • Benefit Protector®(BP)
without Income Bonus • Enhanced Legacy®benefit (ELB)
◦ SecureSource CoreSM • SecureSource LegacySM benefit
◦ SecureSource Core NYSM • Pre-election of death benefit
◦ SecureSource Core PlusSM
◦ SecureSource Core Plus NYSM payout for beneficiaries

• IncomeSureSM benefit
• SecureProvider®or Annuitization

1 T he death benefit guarantee (ROPP) is included with a RAVA 5®variable annuity with no additional fee for clients age 79 or younger
and is available for an additional fee for clients who are age 80+ when purchasing their annuity.

This material has not been filed with FINRA and may not be reproduced or quoted to, or used with, members of the general public.
111651 M (5/18)

This brochure provides a starting point for considering RiverSource®annuity solutions to help meet your clients’
needs. Each client’s situation is different and may or may not fit within this framework. This information is not
intended to address individual financial situations or needs.
RiverSource Life Insurance Company does not provide investment advice. For more information about variable
annuities, refer to the annuity prospectus or contract.
The table inside walks through various client needs and solutions that may help address those needs. Optional riders
are available for an additional fee and must be purchased with a RAVA 5 Advantage variable annuity or a RiverSource
Assured fixed index annuity.

Consider the source of the money

• Where is this money currently invested?
• Are the current investments meeting the client’s needs?
• Is this money coming from an existing annuity?
• Does the existing annuity(ies) meet the client’s current and/or future needs?
• How is this money currently invested? What is the clients’ risk tolerance? Time horizon?
• Are the majority of the assets qualified or non-qualified?

RiverSource®variable annuity overview 2

A variable annuity is a long-term investment that can help clients grow their money, take income
in retirement and pass on their wealth. In return for the benefits they provide, variable annuities
carry a Mortality and Expense (M&E) fee and subaccount management fees. Other fees may
include optional rider fees, surrender charges and an annual contract charge. As with other
investments, there is potential to lose money based on the performance of the underlying funds.
The guarantees offered by RiverSource annuities are backed by the strength and soundness of
RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York and are
subject to its claims-paying ability. These guarantees do not apply to the investments in the
annuity, which will vary with market conditions.

Base contract details

Fees RAVA 5 Advantage®
Surrender charge
schedules 7 -year: 1.10% (through year 10); 0.95% (years 11+)
10-year: 0.95%
Maximum issue age Year 1 2 3 4 5 6 7 8 9 10 11+
Contract charge 7-year 7% 7% 7% 6% 5% 4% 2% 0%
10-year 8% 8% 8% 7% 6% 5% 4% 3% 2% 1% 0%
Payment based.

90 (Issue age limits apply to the owner(s). For non-natural owners, issue age limits apply to the annuitant.)

$30 per year, waived if contract value is $50,000 or more.
The fees and contract charges are subject to change, but they will not exceed their respective maximums.
Please see the prospectus for more details.

RiverSource AssuredSM fixed index annuity (Not available in NY)

Surrender charge Year 1 2 3 4 5 6 7 8 9 10 11+
schedules 10-year 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0%
(All states except CA 7-year 9% 8% 7% 6% 5% 4% 3% 0% 0% 0% 0%
and NY)

Surrender charge Year 1 2 3 4 5 6 7 8 9 10+
schedules (CA) 9-year 8.7% 7.7% 6.7% 5.7% 4.7% 3.7% 2.6% 1.6% 0.5% 0%
7-year 8.7% 7.7% 6.7% 5.7% 4.7% 3.7% 2.6% 0% 0% 0%
Payment based.

Market Value A Market Value Adjustment (MVA) is an adjustment (either positive or negative) to any surrenders or annuitizations
Adjustment above the free amount that may be applied during the surrender charge period selected. The amount of the MVA is
related to a change in the yield of an external index over time.

Guaranteed Minimum The contract’s full surrender or annuitization value will never be less than the Guaranteed Minimum Value. It starts
Value at 87.5% of the principal amount and grows by 1% each year.

Maximum issue age 90 (Issue age limits apply to the owner(s). For non-natural owners, issue age limits apply to the annuitant.)

Guidance from the CSU

Advisors need to provide clear answers to the following questions in order to meet the FINRA 2330 requirements

regarding an annuity-specific benefit on all new money sales:

• What is the client need? • How was the need identified?1 • How does an annuity meet that need?

Annuity specific benefits – VARIABLE ANNUITY Additional features – VARIABLE ANNUITY

For qualified money • Income monitoring strategy such as Income Guide
• Death benefit – D ocumentation example for Income Guide: Managing income
• Guaranteed living or death benefit riders with an annuity to fund lifestyle expenses using the Income
• Guaranteed income through annuitization Guide program with the flexibility to benefit from other unique
For non-qualified money features of the annuity – e.g. death benefits, tax deferral.
• Death benefit
• Tax deferral • Fund selection/management such as Portfolio Stabilizer funds
• Pre-election of death benefit payments • Auto rebalancing, dollar cost averaging
• Guaranteed living or death benefit riders • Lack of ticket charges when changing investment options
• Guaranteed income through annuitization • Guaranteed Period Accounts (not available in all states)
• Strength and soundness of company

Annuity specific benefits – FIXED INDEX ANNUITY Additional features – FIXED INDEX ANNUITY

• Same as variable annuities, except no optional • Strength and soundness of company
death benefit riders available • Principal protection as the product does not participate directly

in the market
• Allocation options
• Auto rebalancing

1 Financial planning tools such as Confident Retirement®and Naviplan may be used to help identify a client need.

This information walks through the client need and solution that helps address the need.
Optional riders must be purchased with a RAVA 5 Advantage variable annuity or RiverSource Assured fixed index annuity.

For more information or consultation on your cases, call
RiverSource Annuity Sales Consulting at 1-888-671-3237, Option 5.

Solutions to consider

Accumulation Needs

Client o M ore tax-efficient portfolio? o C oncerned with the o L ooking for a o N eed monitoring
Needs conservative option for around their lifestyle
o F ee sensitive? uncertainty of the their money? income?

o N eed more balance & markets? o Want to avoid losses due o Willing to adjust their
to market performance? income if needed?
risk management in their o N eed to protect their
o Fee sensitive? o Fee sensitive?
portfolio? principal?
o W ant to protect their money o Value preservation of

for their beneficiaries? principal while invested

in the market?

Potential Accumulation Protector RiverSource Assured Income Guide
Solution(s) Benefit (not available in NY) More Flexibility
No Guaranteed Income
Simply RAVA

Product RAVA Advantage RAVA Advantage Fixed index annuity RAVA Advantage
variable annuity variable annuity variable annuity

Key Gives clients control to Provides clients the Helps add stability to Provides a guide to you
Benefits create their own diversified opportunity to grow their clients’ retirement portfolios and your clients to help
Benefit portfolio or to leverage funds money with the comfort by protecting their principal monitor their income,
Details that address market risk and of knowing their locked from market downturns while recommending
volatility while their money in principal value is while providing opportunities adjustments as needed.
grows tax-deferred.1 protected (adjusted for for growth.
withdrawals). • Enrollment can occur
Base contract features: Base contract features: anytime between ages
• Standard Death Benefit.2 • Protects original • Protects clients’ principal 50-85.
principal and
• Access to the fixed account. automatically locks in (before any rider fees are • No additional fee.
90% of the highest deducted) and any interest
• Guaranteed income anniversary value after a earned from downturns in • Available on existing
options available through 10-year waiting period. the market. and new sales of
annuitization. RAVA 5.
• Available if all owners • Tax-deferred growth.1
• Access to auto rebalancing. are 80 or younger at • A service, not a rider
contract issue.3 • Guaranteed income or guarantee.
• Access to dollar-cost options through
averaging. • Add-ons allowed within annuitization. • Single and Joint
180 days of issue and options available.3
contract anniversary after • Automatic rebalancing.
an elective Step up. • All base contract
features are available,
• Elective Step up option including the standard
available to lock in 100% death benefit and
of contract value (re- optional death
starts the waiting period benefits.
and may change fee,
does not restart the
surrender schedule).

Choices Flexible with no investment Limited to Portfolio Access to several indexed Flexible with no
for clients’ restrictions and 90+ Stabilizer (Growth funds accounts (not invested
money investment options. investment restrictions
and Managed Risk funds directly in the indexes) and
a fixed account. and
not available). 90+ investment options.

1 E arnings in annuities generally grow tax-deferred. The same is true of most retirement plans.

2 T he death benefit guarantee (ROPP) is included with no additional fee for clients age 79 or younger and is available for an
additional fee for clients who are age 80+ when purchasing their annuity.

Income Needs

o I ncome protection along with potential o Concerned about stable income? o More concerned with income
growth opportunities? o Prefer a higher possible guaranteed income? protection than they are with
o Seeking a withdrawal benefit with a lower potential growth opportunities?
o Concerned about running out of money?
o N eed to fill a gap to cover essential fee? o W ant the potential for guaranteed
o Want the potential for guaranteed income income without the Income Bonus?
expenses?
without the Income Bonus? o Comfortable with faster spend down
SecureSource 4, SecureSource 4 Plus of their contract value?
(or SecureSource 4 NY,
SecureSource 4 Plus NY) SecureSource Core, SecureSource Core Plus IncomeSure benefit available with
(or SecureSource Core NY,
RiverSource Assured
SecureSource Core NY) (not available in NY)

RAVA Advantage variable annuity RAVA Advantage variable annuity Fixed index annuity

Provides guaranteed lifetime income with Provides guaranteed lifetime income with Provides guaranteed lifetime income
opportunities to grow, including the opportunity opportunities to grow and an easy-to-manage and an easy-to-manage income stream.
for an Income Bonus, and an easy-to-manage income stream.
income stream.

• Guaranteed lifetime income. • 5% income with SecureSource Core and • Potentially higher guaranteed lifetime
5.25% income with SecureSource Core Plus income (vs. SecureSource).
• 6% income (including income bonus) (no income bonus with either, both available
available at age 65 (single life). at age 65 (single life). • Annual, automatic 7.5% credits for
12 years (in years no withdrawals
• Annual, automatic 6% or 7% credits • Annual, automatic 6% or 7% credits (in years are taken).
(in years no withdrawals are taken). no withdrawals are taken).
• Base Doubler feature.
• Credits are available for up to 12 years. • Credits available for up to 12 years.
• Potential for locking in gains in strong • Single or joint life benefit options.
• Potential for locking in gains in strong
markets; locked-in gains restart the markets; locked-in gains restart the 12-year • Availability: Owner or joint covered
12-year credit period. credit period. spouse must be 80 or younger at
• SecureSource Core Plus offers a Base contract issue.
• SecureSource 4 Plus offers a Base Doubler feature.
Doubler feature. • Single or joint life benefit options. • Lifetime payment percentages vary at
Single: available through age 80. every age.
• Single or joint life benefit options. Joint: available through age 85 if one
of the spouses is age 80 or younger. • 5% income (no Income Bonus)
• Availability: Owner and joint covered spouse available at age 65 (single life).
must be 80 or younger at contract issue. Limited to Portfolio Stabilizer options.
• Client can take income up to a
• Lifetime payment percentages will vary maximum amount without harming
based on age band. their income guarantee.

• Client can take income up to a maximum • Rider fee can cause the contract
amount without harming their income value to decrease.
guarantee.
Access to several indexed accounts
Limited to Portfolio Stabilizer options. (not invested directly in the indexes)
and a fixed account.

3 If the owner or any joint owner is a non-natural person or a revocable trust, the annuitant (youngest annuitant if there are joint annuitants)
will be deemed to be the owner for any provision using the age or life of the owner.

4 A vailable while in the guaranteed period, after a one-year wait. Not available on life or joint life incomes.

Wealth Transfer Needs

o Want steady, reliable income no o Want their beneficiary to have an opportunity to capture highs in
matter what happens in the market? the market?
(fixed payout)
o Want more control over how their money is passed on?
o Can afford to give up liquidity on a o W ant beneficiaries to get back at least what they invested (adjusted for withdrawals)
portion of their assets?
no matter what happens in the market?
o Worried about running out of money? o O ptimistic that the markets will grow their investment over time?
o H ave an income need for a defined o Want to offset any potential taxes?
o W ant guaranteed increases in the amount available for the beneficiary?
period of time?

SecureProvider® or Annuitization Death Benefits
(partial or full)

Less Flexibility
Guaranteed Income

Immediate annuity or RAVA Advantage variable annuity
an existing variable annuity

Provides reliable income guaranteed to Help clients grow their assets and maximize what is passed on to loved ones
last for a specific period of time or as or charities.
long as they live.
Standard Death Benefit: Guarantees principal amount invested (adjusted for any
withdrawals) for issue ages 79 or younger. Included with the M&E fee. If age 80 or older,
only includes the contract value.

• Generally provides the highest Return of Purchase Payments (ROPP): Guarantees principal amount invested
guarantee available. (adjusted for any withdrawals). Available for ages 80 or older.2

• Variety of payout options to meet Maximum Anniversary Value (MAV): Guarantees highest locked-in value from any
your clients’ income needs. anniversary through age 80 (adjusted for withdrawals). Available for issue ages 79
or younger.
• Fixed payout is based on interest
rate environment. Maximum Five Year Anniversary Value (MAV5): Guarantees highest locked-in value
achieved on any fifth contract anniversary through age 80 (adjusted for withdrawals).
• Inflation adjustment available for Available for issue ages 75 or younger.
Non-Qualified accounts only.
Benefit Protector (BP): Guarantees up to an additional 40% of any contract earnings
• Flexibility to: (15% of contract earnings if age 70 or older when the contract is purchased). Available for
ages 75 or younger.5
• Access a lump sum in case of
emergency (surrender charge Enhanced Legacy benefit (ELB):6 Guarantees 5% compounded growth each year though
may apply).4 age 80 or highest locked-in value from any anniversary through age 85 (adjusted for
withdrawals). Available for issue ages 75 or younger.
• Receive a payment acceleration of
up to six monthly payments in a SecureSource Legacy benefit:7 Beneficiaries receive the same benefit as the Principal
lump sum (fee applies).4 Back Guarantee but it’s available as a lump-sum payment rather than a stream of
payments. Available exclusively with a SecureSource living benefit rider. Benefit ends if
contract value reaches zero.

Pre-election of death benefit payout for beneficiaries

None. Flexible with no investment restrictions and 90+ investment options.

Enhanced Legacy benefit and SecureSource Legacy benefit: Limited to Portfolio
Stabilizer options.

5 Not available in NY.
6 Not available in NY and rules are different in CA.
7 Rules are different in CA.

Contract and death benefit riders end if contract value reaches zero.

In California, regarding the Enhanced Legacy benefit rider and the SecureSource Legacy benefit rider, the owner and annuitant must
be the same when the client initially invests in the annuity. The annuitant cannot be changed. If there is an owner change, only the
standard death benefit will be payable at the owner’s death and the ELB and the SecureSource Legacy benefit will be payable at the
annuitant’s death.

Confident Retirement is not a guarantee of future financial results.

The Income Guide program is not a guarantee of income nor is it intended to preserve principal, and the contract may run out of money.
The Income Guide program is not investment advice. If clients need guaranteed income, you should talk to them about other options that
may be available.

RiverSource reserves the right to modify or terminate the program at any time. For additional information about the Income Guide program,
please refer to the annuity prospectus.

Portfolio Stabilizer
The Portfolio Stabilizer funds are investment options within variable annuity products offered by RiverSource Life Insurance Company and
RiverSource Life Insurance Co. of New York (collectively, RiverSource Life). The funds are managed by Columbia Management Investment
Advisers, LLC (Columbia Management), an affiliate of RiverSource Life. Columbia Management, RiverSource Life and their affiliates may
receive revenue related to assets allocated to these funds. Please read the product and fund prospectuses carefully before investing.

Investment risks
There is no guarantee that the Portfolio Stabilizer funds will achieve their investment objectives, and you could lose money. The funds
may also be unsuccessful in managing volatility. By investing in a combination of underlying funds (among other investments), the funds
have exposure to the risks associated with many areas of the market. The market value of securities may fall or fail to rise, or fluctuate,
sometimes rapidly or unpredictably. Foreign and emerging markets investing generally presents increased risk potential relative to US
investments. There are risks associated with fixed income investments, including interest rate risk and the risk that the counterparty
to the instrument may not perform or be unable to perform its obligations, including making payments. Investments in high-yield (junk)
securities could expose the funds to a greater risk of loss of principal and income than an investment in higher quality securities. The use
of derivatives introduces risks which are potentially greater than the risks of investing directly in the instruments underlying the derivatives.
These transactions also subject the funds to counterparty risk; the risk that derivatives used to protect against an opposite position may
offset losses, but may also offset gains; the risk that the instruments may be difficult to value; and the risk that it may not be possible
to liquidate the instruments at an advantageous time or price. Investment in exchange-traded funds (ETFs) subjects these funds to the
risks associated with the ETF’s holdings. Fund investors bear both their proportionate share of the funds’ expenses and similar expenses
incurred through ownership of ETFs, as well as other underlying funds. For additional risk information, please read the fund’s prospectus.

Variable annuities are insurance products that are complex long-term investment vehicles that are subject to market risk, including the
potential loss of principal invested. Before the client invests, be sure to explain the variable annuity’s features, benefits, risks and fees, to
help the client determine if the variable annuity is appropriate for him or her, based upon his or her financial situation and objectives.

National current RAVA 5 contract and rider numbers: RAVA 5 Advantage ICC12 411380, 411380 and state variations thereof;
Accumulation Protector Benefit ICC12 411385, 411385, SecureSource 4 rider numbers ICC15 111339-SG, ICC15 111339-JT, 111339-SG,
111339-JT and state variations. SecureSource 4 Plus rider numbers ICC15-111340-SG, ICC15 111340-JT, 111340-SG, 111340-JT and
state variations. SecureSource Core rider numbers ICC18 114198-SG, ICC18 114198-JT and state variations. SecureSource Core Plus rider
numbers ICC18 114199-SG, ICC18 114199-JT and state variations. Death Benefit Endorsement 411268, ROPP 411277, MAV 411278,
MAV5 411291, BP 411281, ELB ICC15 111687, 111687, SecureSource Legacy ICC18 114200-SG, ICC18 114200-JT and
state variations.

In New York, this material applies to annuity contract numbers 411380-NY2 with 411380-DPRA57NY and 411380-DPRA510NY.
SecureSource 4 NY rider numbers: 113486-SGNY and 113486-JYNY. SecureSource 4 Plus NY rider numbers: 113487-SGNY and
113487-JYNY. SecureSource Core NY rider numbers: 114198-SGNY and 114198-JTNY. SecureSource Core Plus NY rider numbers:
114199-SGNY and 114199-JTNY. SecureSource Legacy rider numbers: 114200-SGNY and 114200-JTNY.

RiverSource Assured fixed index annuity contract numbers: ICC17 113590 and state variations. Not available in NY.

IncomeSure rider numbers: ICC17 113598-SG and ICC17 113598-JT and state variations.

Clients should consider the investment objectives, risks, charges and expenses of the
variable annuity and its underlying investment options carefully before investing. For a
free copy of the annuity’s prospectus, which contains this and other information, call
1-800-333-3437. Clients should read the prospectus carefully before they invest.

This information is for a general audience and is not intended to address individual financial situations
or needs. RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York do not
provide investment advice.

riversource.com/annuities RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life Insurance
Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New
York, Albany, New York. Affiliated with Ameriprise Financial Services, Inc.
For advisor use only. This material has not been filed with FINRA and may not be reproduced or quoted
to, or used with, members of the general public.

111651 M (5/18) © 2015-2018 RiverSource Life Insurance Company. All rights reserved.