BP
● Active
Benefit Protector Plus Death Benefit
RiverSource Life Insurance Company
DTCC ID
—
COMPANY
RiverSource Life Insurance Company
TYPE
Variable Annuity
INCEPTION
Nov 30, 2009
Identity
Benefit name
Benefit Protector Plus Death Benefit
Internal benefit name
Benefit Protector Plus Death Benefit
Product policy type
Variable Annuity
Status
● Active
Sequence
6
Inception date
Nov 30, 2009
Closed date
—
DTCC Rider ID
—
Last modified
Sep 30, 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
—
Partial withdrawals
—
Required min distributions
—
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may not 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, Issuer will add - 1) 40% (15% if owner is age 70 or older) of earnings to any death benefit payable under contract and 2) a certain percentage, (ranges from - 0% to 20%) of purchase payments made during first 60 days from contract issue adjusted for withdrawals. Earning is amount equal to applicable death benefit minus remaining purchase payments. Earnings at death may not be less than zero and more than 250% of remaining purchase payments that are one or more years old.
Lifecycle Events
Cancellation
May be cancelled any time after election.
Termination
May be terminated on first, seventh or any rider anniversary thereafter.
Available when added
At Contract Issue
Effect change ownership
Change in ownership is not permitted.