Beacon Data Entry
Return of Purchase Payment Death Benefit
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Return of Purchase Payment Death Benefit

RiverSource Life Insurance Company
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DTCC ID —
COMPANY RiverSource Life Insurance Company
TYPE RILA
INCEPTION Dec 29, 2023
Identity
Benefit name
Return of Purchase Payment Death Benefit
Internal benefit name
Return of Purchase Payment Death Benefit
Company
RiverSource Life Insurance Company
Product policy type
RILA
Status
● Active
Sequence
3
Inception date
Dec 29, 2023
Closed date
—
DTCC Rider ID
—
Last modified
Dec 08, 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
A partial surrender reduces the ROPP Value based on the percentage of Contract Value withdrawn. If Contract Value exceeds ROPP, the ROPP is reduced by less than the withdrawal amount; if it’s lower, the ROPP is reduced by more.
Required min distributions
RMDs will reduce the benefit base proportionally.
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
Yes
Spousal continuation detail
Surviving spouse may elect to continue the contract after the demise of contract owner.
State Availability
Exception flag
No
Available in states
—
Benefit Description

During the accumulation phase, this benefit is accessible with an added fee, exclusively for contract owners aged 81 or above. Upon the owner's demise, the benefit value will be determined as the greatest of : 1) the contract value (adjusted for any rider charges), 2) the ROPP value, or 3) the full surrender value. If a spouse continues the contract and is 81 or older, the ROPP value will be reset to the contract value as of the continuation date, adjusted for any applicable rider charges and after any increase to the Contract Value due to the death benefit that would otherwise have been paid. Furthermore, if the eligible spouse is 80 or younger at the time of the owner's passing, the optional ROPP death benefit will cease, and the Standard death benefit will be applied.

Lifecycle Events
Cancellation
May not be cancelled.
Termination
Benefit will terminate upon the earliest of 1)Annuitization, 2) upon owner change new owner is age 80 or younger 3) if spouse is age 80 or younger, 4) upon payment of death benefit, 5) termination of contract.
Available when added
At contract issuer.
Effect change ownership
Change in ownership is available under the contract. If new owner is age 81 or older, ROPP value will be reset to the value as of change request is received. Conversely, if new owner is age 80 or less, the benefit is replaced with standard death benefit.