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Variable Annuity
Death benefits
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Nirmala
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RiverSource Life Insurance Company
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Enhanced Legacy Benefit
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Death Benefit
Benefit Name
Internal Benefit Name
Inception Date
Closed Date
Rider Select Rule
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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
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Age
Contract year
Days
Months
Years
Version Begin Date
Maximum Benefit Base
Maximum Benefit Base %
With Reduce Benefit Base
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Dollar for Dollar
Proportionally
DTCC Rider ID
Notes
Version Note
Benefit Description
Available during accumulation phase. Upon death of owner (annuitant for state CA), benefit will be greatest of - 1) contract value, 2) ROPP value, 3) ADB value, or 4) MAV. ROPP Value, ADB Value and MAV are total purchase payments on contract issue date thereafter adjusted for additional purchase payments and withdrawals. On each contract anniversary prior to death, issuer will adjust these values as 1) on the first contract anniversary, issuer increase ADB value by 5%, multiplied by the ADB value as of 60 days after the contract date, thereafter on each contract anniversary and prior to age 81, increases ADB value by 5%, multiplied by prior contract anniversary's ADB value. 2) On each contract anniversary prior to age 86, MAV will be increased to the contract value if greater. Prior to age 86, charge is calculated by multiplying annual rider fee by greater of contract value, ROPP value, ADB value, MAV. On or after age 86, charge is calculated by multiplying annual rider fee by greater of the ROPP value, ADB value or MAV. For state CA, benefits provided under this rider are only payable at annuitant's death. Owner may not change the annuitant while this rider is in force, unless owner is annuitant and spouse becomes owner and annuitant under spousal continuation provision. After death benefit is payable, if owner is not annuitant, rider will terminate.
Other Info
Cancellation
May be cancelled anytime after election.
Termination
Benefit will automatically terminate upon earliest of - 1) annuitization, 2) contract value reduces to zero, or 3) death.
Available When Added
Only at contract issue.
Effect Change Ownership
Issuer will reset benefit amount upon change in ownership.
Exclude Premium Bonus
Terminated
Single Life
Joint Life
Spousal Continuation Option
Spousal Continuation Option
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