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Variable Annuity
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Nirmala
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RiverSource Life Insurance Company
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Maximum 5-Year Anniversary Value Death Benefit
Edit Death Benefit
Death Benefit
Benefit Name
Internal Benefit Name
Inception Date
Closed Date
Rider Select Rule
Default
Mandatory
Optional
Based On Life
Annuitant
Owner
Owner (or Annuitant if owner is a natural entity)
Owner (or Annuitant if owner is a non-natural person)
Owner and Annuitant
Min Age
Max Age
Waiting Period
Waiting Term
Select
Age
Contract year
Days
Months
Years
Version Begin Date
Maximum Benefit Base
Maximum Benefit Base %
With Reduce Benefit Base
Select
Dollar for Dollar
Proportionally
DTCC Rider ID
Notes
Version Note
Benefit Description
Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value, 2) return of purchase payments value, 3) maximum five-year anniversary value, or 4) surrender value. Return of Purchase Payments Value is equal to initial purchase payments, increased by subsequent purchase payments and reduced for withdrawals. Maximum Five-Year Anniversary Value, at issue equal to initial purchase payment, thereafter, increased by additional purchase payments made and reduced by withdrawals. On each fifth anniversary Maximum Five-Year Anniversary Value is equal to highest contract value calculated at any fifth anniversary, prior to owner's age 81.
Other Info
Cancellation
Once elected may not be cancelled.
Termination
Once elected may not be terminated.
Available When Added
Only at contract issue.
Effect Change Ownership
Issuer will recalculate benefit amount upon change in ownership.
Exclude Premium Bonus
Terminated
Single Life
Joint Life
Spousal Continuation Option
Spousal Continuation Option
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