Annuities

Powerful features and benefits that can help you reach your retirement goals.

Ameriprise Financial offers a range of annuity products from RiverSource, issued by RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York, that offer combinations of features and benefits to help you in both stages of retirement — accumulating assets and taking income.

Learn more about RiverSource^® Annuities

• RiverSource^® Privileged Assets Annuity
• Types of Annuities
• What and Why of Annuities

Performance of RiverSource Annuities

• Annuity Performance
• Annuity Unit Values

Annuities have features and benefits that can help you with a lifetime of investing and subsequent distribution of income. With tax deferral, you'll also enjoy the freedom of controlling when you pay taxes on earnings. Withdrawals before age 59 1/2 may incur an IRS 10% early withdrawal penalty. With the optional riders, available for an additional cost, you can guarantee your principal and even lock in the highest anniversary value over time.

An Ameriprise financial advisor can help you decide what's best for your particular situation and get started right away.
Find an advisor near you

All guarantees are based upon the claims-paying ability of the issuing company and do not apply to the performance of the separate accounts which will vary with market conditions.

Many clients have turned to annuities to help them plan for retirement. To determine if an annuity is right for you, first you need a basic understanding of them. And it's important to work with a financial advisor who can help you determine how annuities could fit into your overall financial picture. Working with a financial advisor can help you get a better understanding of annuities, including:

• What is an annuity?
• Why should I consider buying an annuity?
• How can an annuity help me achieve my retirement goals?
• What type of annuity is right for me?

A financial advisor can also explain important optional annuity benefits that can protect your investment against market losses, guarantee a stream of income and help potentially increase the wealth you pass on to your heirs.

Variable annuities are insurance products that are complex, long-tern investment vehicles that are subject to market risk, including the potential loss of principal invested.

You 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 an annuity's prospectus and underlying investment's prospectus, which contains this and other information  about variable annuities, call (800) 333-3437. Read the prospectus carefully before you invest.

Ameriprise Financial Services, Inc. offers financial advisory services, investments, insurance and annuity products. RiverSource^® products are offered by affiliates of Ameriprise Financial Services, Inc., Member FINRA and SIPC. CA License #0684538.

RiverSource Distributors, Inc. (Distributor), Member FINRA. Insurance and annuity products are issued by RiverSource Life Insurance Company and in New York, by RiverSource Life Insurance Co. of New York, Albany, New York. Only RiverSource Life Insurance Co. of New York is authorized to sell insurance and annuities in New York.