RO
● Terminated
Return of Purchase Payments Death Benefit
RiverSource Life Insurance Company
DTCC ID
—
COMPANY
RiverSource Life Insurance Company
TYPE
Variable Annuity
INCEPTION
Apr 30, 2012
Identity
Benefit name
Return of Purchase Payments Death Benefit
Internal benefit name
Return of Purchase Payments Death Benefit
Product policy type
Variable Annuity
Status
● Terminated
Sequence
2
Inception date
Apr 30, 2012
Closed date
—
DTCC Rider ID
—
Last modified
Sep 16, 2025
Life & Age
Based on life
Owner
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Optional
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
Subsequent purchase payment will increase benefit base by dollar-for-dollar amount.
Partial withdrawals
Withdrawals will reduce benefit base in same proportion.
Required min distributions
—
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue benefit after death of owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description
Available during accumulation phase. Upon death of owner, benefit will be greatest of - 1) contract value, 2) return of purchase payments value, or 3) surrender value. Return of Purchase Payments Value is equal to initial purchase payments, increased by subsequent purchase payments and reduced for withdrawals. Owner may elect this benefit if age 80 or older at issue.
Lifecycle Events
Cancellation
Once elected may not be cancelled.
Termination
Once elected may not be terminated.
Available when added
No longer available for new purchases.
Effect change ownership
Change in ownership will result in termination of rider.