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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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Standard 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
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Dollar for Dollar
Proportionally
DTCC Rider ID
Notes
Version Note
Benefit Description
Available during accumulation phase. If owner is age 75 or younger at contract issue, upon death, benefit will be greater of - 1) contract value, less any purchase payment credits applied within 12 months of the date of death, less any applicable rider charges; or 2) purchase payments minus adjusted partial surrenders. If owner is age 76 or older at contract issue, the beneficiary receives the contract value, less any purchase payment credits subject to reversal, less any applicable rider charges. Standard death benefit also include ROPP for the contract owners with the age 75 or under at the time of contract effective date with no extra charge.
Other Info
Cancellation
May not be cancelled.
Termination
Annuitization will lead to termination of contract.
Available When Added
No longer available for new purchases.
Effect Change Ownership
Exclude Premium Bonus
Terminated
Single Life
Joint Life
Spousal Continuation Option
Spousal Continuation Option
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