|
Pre-Effective Amendment No. |
[] |
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Post-Effective Amendment No. 4 (File No. 333-262312) |
[X] |
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Amendment No. 207 (File No. 811-07355) |
[X] |
[] |
immediately upon filing pursuant to paragraph (b) of Rule 485 |
[X] |
on May 1, 2024 pursuant to paragraph (b) of Rule 485 |
[] |
60 days after filing pursuant to paragraph (a)(1) of Rule 485 |
[] |
on [date] pursuant to paragraph (a)(1) of Rule 485 |
[] |
This post-effective amendment designates a new effective date for a previously filed post-effective amendment. |
Issued by: |
RiverSource Life Insurance Company (RiverSource Life) |
|
70100 Ameriprise Financial Center Minneapolis, MN 55474 Telephone: 1-800-862-7919 (Service Center) ameriprise.com/variableannuities RiverSource Variable Account 10 |
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FEES AND EXPENSES |
Location in Statutory Prospectus |
Charges for Early Withdrawals |
•You may select a five -year, a seven-year or ten-year surrender charge schedule at the time of application. If you make a withdrawal or surrender, depending on the surrender charge schedule you have chosen, we may assess a surrender charge as high as For example, if you select a ten-year surrender charge schedule and make an early withdrawal, you could pay a surrender charge of up to $ |
Fee Table and Examples Charges– Surrender Charge |
Transaction Charges |
We do not assess any transaction charges. |
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FEES AND EXPENSES |
Location in Statutory Prospectus |
Ongoing Fees and Expenses (annual charges) |
The table below describes the current fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data page for information about the specific fees you will pay each year based on the options you have elected. |
Fee Table and Examples Expenses – Product Charges Appendix A: Funds Available Under the Contract | ||
Annual Fee |
Minimum |
Maximum | ||
Base Contract(1) (varies by surrender charge schedule chosen, death benefit option, age band, size band and Contract value) |
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Fund options (Funds fees and expenses)(2) |
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Optional benefits available for an additional charge (for a single optional benefit, if elected)(3) |
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(1) (2) (3) Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs. | ||||
Lowest Annual Cost: $ |
Highest Annual Cost: $ | |||
Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Contract features and Fund fees and expenses •No optional benefits •No sales charge •No additional purchase payments, transfers or withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Contract features, optional benefits and Fund fees and expenses •No sales charge •No additional purchase payments, transfers or withdrawals |
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RISKS |
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Risk of Loss |
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Principal Risks |
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RISKS |
Location in Statutory Prospectus |
Not a Short-Term Investment |
• |
Principal Risks Charges– Surrender Charge | ||
Risks Associated with Investment Options |
• |
Principal Risks The Variable Account and the Funds | ||
Insurance Company Risks |
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Principal Risks The General Account |
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RESTRICTIONS |
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Investments |
• |
Making the Most of Your Contract – Transferring Among Accounts Substitution of Investments | ||
Optional Benefits |
• |
Buying Your Contract — Purchase Payments Appendix A: Funds Available Under the Enhanced Legacy Benefit |
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TAXES |
Location in Statutory Prospectus | ||
Tax Implications |
• |
Taxes | ||
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CONFLICTS OF INTEREST |
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Investment Professional Compensation |
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About the Service Providers | ||
Exchanges |
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Buying Your Contract – Contract Exchanges |
Surrender charges (as a percentage of purchase payments surrendered)(1) |
Ten-year |
Seven-year |
Five-year |
Maximum |
% |
% |
% |
Ten-year schedule |
Seven-year schedule |
Five-year schedule | |||
Number of completed years from date of each purchase payment |
Surrender charge percentage applied to each purchase payment |
Number of completed years from date of each purchase payment |
Surrender charge percentage applied to each purchase payment |
Number of completed years from date of each purchase payment |
Surrender charge percentage applied to each purchase payment |
0 |
8 % |
0 |
7 % |
0 |
7 % |
1 |
8 |
1 |
7 |
1 |
7 |
2 |
8 |
2 |
7 |
2 |
6 |
3 |
7 |
3 |
6 |
3 |
6 |
4 |
6 |
4 |
5 |
4 |
5 |
5 |
5 |
5 |
4 |
5 + |
0 |
6 |
4 |
6 |
2 |
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7 |
3 |
7 + |
0 |
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8 |
2 |
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9 |
1 |
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10 + |
0 |
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Annual contract administrative charge* |
Maximum: $ |
Current: $ |
Annual contract administrative charge if your contract value equals or exceeds $50,000 |
Maximum: $ |
Current: $ |
Surrender Charge: |
Age Band |
Size Band |
Base Contract Expenses |
10-year |
0-80 |
Less than $1,000,000 |
% |
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0-80 |
$1,000,000 and greater |
% |
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81+ |
Less than $1,000,000 |
% |
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81+ |
$1,000,000 and greater |
% |
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7-year |
0-80 |
Less than $1,000,000 |
% |
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0-80 |
$1,000,000 and greater |
% |
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81+ |
Less than $1,000,000 |
% |
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81+ |
$1,000,000 and greater |
% |
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5-year |
0-80 |
Less than $1,000,000 |
% |
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0-80 |
$1,000,000 and greater |
% |
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81+ |
Less than $1,000,000 |
% |
|
81+ |
$1,000,000 and greater |
% |
Surrender Charge: |
Age Band* |
Size Band |
Base Contract Expenses |
10-year |
All Ages |
Less than $1,000,000 |
% |
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All Ages |
$1,000,000 and greater |
% |
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7-year |
All Ages |
Less than $1,000,000 |
% |
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All Ages |
$1,000,000 and greater |
% |
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5-year |
All Ages |
Less than $1,000,000 |
% |
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All Ages |
$1,000,000 and greater |
% |
MAV Death Benefit |
Maximum: |
Current: |
5-year MAV Death Benefit |
Maximum: |
Current: |
Benefit Protector Death Benefit |
Maximum: |
Current: |
Enhanced LegacySM Benefit |
Maximum: |
Current*: |
Total Annual Fund Expenses |
Minimum(%) |
Maximum(%) |
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If you surrender your contract at the end of the applicable time period: |
If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period: | ||||||
|
1 year |
3 years |
5 years |
10 years |
1 year |
3 years |
5 years |
10 years |
With a ten-year surrender charge schedule |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
With a seven-year surrender charge schedule |
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With a five-year surrender charge schedule |
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If you surrender your contract at the end of the applicable time period: |
If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period: | ||||||
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1 year |
3 years |
5 years |
10 years |
1 year |
3 years |
5 years |
10 years |
With a ten-year surrender charge schedule |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
With a seven-year surrender charge schedule |
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With a five-year surrender charge schedule |
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By spreading the investment over the term of the Special DCA |
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Date |
SDCA Balance |
Portion Transferred |
Amount Transferred |
Accumulation unit value |
Number of units purchased |
you automatically buy more units when the per unit market price is low |
|
Jan 15th |
$5,000.00 |
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Jan 16th |
5,000.14 |
1/6 |
$833.36 |
$18 |
46.30 | |
→ |
Feb 16th |
4,170.30 |
1/5 |
834.06 |
15 |
55.60 | |
and fewer units when the per unit market price is high. |
|
Mar 16th |
3,338.79 |
1/4 |
834.70 |
19 |
43.93 |
|
April 16th |
2,506.20 |
1/3 |
835.40 |
17 |
49.14 | |
→ |
May 16th |
1,672.17 |
1/2 |
836.09 |
21 |
39.81 | |
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Jun 16th |
836.79 |
1/1 |
836.79 |
20 |
41.84 |
Qualified annuities |
$5,000 |
Nonqualified annuities |
$10,000 |
Maximum Purchase Payments Per Contract Year | |||
|
through age 85 |
for ages 86 to 90 |
age 91 or older |
For the first contract year |
$1,000,000 |
$100,000 |
$0 |
Second contract year and thereafter |
$100,000 |
$50,000 |
$0 |
Maximum Total Purchase Payments Per Owner (see the Purchase Payment provision in the contract) | |||
|
through age 85 |
for ages 86 to 90 |
age 91 or older |
Total Purchase Payments |
$1,000,000 |
$100,000 |
$100,000 |
Ten-year schedule |
Seven-year schedule |
Five-year schedule* | |||
Number of completed years from date of each purchase payment |
Surrender charge percentage applied to each purchase payment |
Number of completed years from date of each purchase payment |
Surrender charge percentage applied to each purchase payment |
Number of completed years from date of each purchase payment |
Surrender charge percentage applied to each purchase payment |
0 |
8 % |
0 |
7 % |
0 |
7 % |
1 |
8 |
1 |
7 |
1 |
7 |
2 |
8 |
2 |
7 |
2 |
6 |
3 |
7 |
3 |
6 |
3 |
6 |
4 |
6 |
4 |
5 |
4 |
5 |
5 |
5 |
5 |
4 |
5 + |
0 |
6 |
4 |
6 |
2 |
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7 |
3 |
7 + |
0 |
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8 |
2 |
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9 |
1 |
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10 + |
0 |
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Number of Completed Years Since Annuitization |
Surrender charge percentage |
0 |
Not applicable* |
1 |
5% |
2 |
4 |
3 |
3 |
4 |
2 |
5 |
1 |
6 and thereafter |
0 |
Surrender Charge: |
Age Band |
Size Band |
Mortality and Expense Risk Fee |
10-year |
0-80 |
Less than $1,000,000 |
0.95 % |
|
0-80 |
$1,000,000 and greater |
0.85 % |
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81+ |
Less than $1,000,000 |
1.30 % |
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81+ |
$1,000,000 and greater |
1.20 % |
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7-year |
0-80 |
Less than $1,000,000 |
1.05 % |
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0-80 |
$1,000,000 and greater |
0.95 % |
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81+ |
Less than $1,000,000 |
1.40 % |
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81+ |
$1,000,000 and greater |
1.30 % |
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5-year |
0-80 |
Less than $1,000,000 |
1.15 % |
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0-80 |
$1,000,000 and greater |
1.05 % |
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81+ |
Less than $1,000,000 |
1.50 % |
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81+ |
$1,000,000 and greater |
1.40 % |
Surrender Charge: |
Age Band* |
Size Band |
Mortality and Expense Risk Fee |
10-year |
All Ages |
Less than $1,000,000 |
0.75 % |
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All Ages |
$1,000,000 and greater |
0.65 % |
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7-year |
All Ages |
Less than $1,000,000 |
0.85 % |
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All Ages |
$1,000,000 and greater |
0.75 % |
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5-year |
All Ages |
Less than $1,000,000 |
0.95 % |
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All Ages |
$1,000,000 and greater |
0.85 % |
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Optional Rider Fee |
MAV Death Benefit |
0.25 % |
5-year MAV Death Benefit |
0.10 % |
By investing an equal number of dollars each month |
|
Month |
Amount invested |
Accumulation unit value |
Number of units purchased |
|
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Jan |
$100 |
$20 |
5.00 |
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Feb |
100 |
18 |
5.56 |
you automatically buy more units when the per unit market price is low |
|
Mar |
100 |
17 |
5.88 |
→ |
Apr |
100 |
15 |
6.67 | |
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May |
100 |
16 |
6.25 |
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June |
100 |
18 |
5.56 |
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July |
100 |
17 |
5.88 |
and fewer units when the per unit market price is high. |
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Aug |
100 |
19 |
5.26 |
→ |
Sept |
100 |
21 |
4.76 | |
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Oct |
100 |
20 |
5.00 |
Income Guide Status Definitions | |||
Attention Needed |
Caution |
On Track |
More Available |
Prudent Income Amount is more than 20% below your current annual withdrawal amount |
Prudent Income Amount is from 10.1% to 20% below your current annual withdrawal amount |
Prudent Income Amount is from 10% below up to 24.9% above your current annual withdrawal amount |
Prudent Income Amount is more than 25% or more above your current annual withdrawal amount |
Income Guide Status |
What the Status Means |
Attention Needed |
Based on your contract value, it is projected that your withdrawal amount may not be sustainable. |
Caution |
Based on your contract value, it is projected that your withdrawal amount is near a point where it may not be sustainable. |
On Track |
Based on your contract value, it is projected that your withdrawal amount is currently sustainable. Please note that the minimum 85% probability assumed in the program only applies to the Prudent Income Amount and not to the “On Track” status which includes a range above and below the current Prudent Income Amount. |
More Available |
Based on your contract value and withdrawal amount, it is projected there are more options available. |
Participant Age |
Single Option |
Joint Option |
Participant Age |
Single Option |
Joint Option |
Participant Age |
Single Option |
Joint Option |
50 |
3.0% |
2.5% |
66 |
4.6% |
4.1% |
81 |
6.3% |
5.8% |
51 |
3.1% |
2.6% |
67 |
4.7% |
4.2% |
82 |
6.6% |
6.1% |
52 |
3.2% |
2.7% |
68 |
4.8% |
4.3% |
83 |
6.9% |
6.4% |
53 |
3.3% |
2.8% |
69 |
4.9% |
4.4% |
84 |
7.2% |
6.7% |
54 |
3.4% |
2.9% |
70 |
5.0% |
4.5% |
85 |
7.5% |
7.0% |
55 |
3.5% |
3.0% |
71 |
5.1% |
4.6% |
86 |
8.0% |
7.5% |
56 |
3.6% |
3.1% |
72 |
5.2% |
4.7% |
87 |
8.5% |
8.0% |
57 |
3.7% |
3.2% |
73 |
5.3% |
4.8% |
88 |
9.0% |
8.5% |
58 |
3.8% |
3.3% |
74 |
5.4% |
4.9% |
89 |
9.5% |
9.0% |
59 |
3.9% |
3.4% |
75 |
5.5% |
5.0% |
90 |
10.0% |
9.5% |
60 |
4.0% |
3.5% |
76 |
5.6% |
5.1% |
91 |
10.5% |
10.0% |
61 |
4.1% |
3.6% |
77 |
5.7% |
5.2% |
92 |
11.0% |
10.5% |
62 |
4.2% |
3.7% |
78 |
5.8% |
5.3% |
93 |
11.5% |
11.0% |
63 |
4.3% |
3.8% |
79 |
5.9% |
5.4% |
94 |
12.0% |
11.5% |
64 |
4.4% |
3.9% |
80 |
6.0% |
5.5% |
95 |
12.5% |
12.0% |
65 |
4.5% |
4.0% |
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Minimum amount |
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Transfers or surrenders: |
$250 or entire account balance** |
Maximum amount |
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Transfers or surrenders: |
Contract value or entire account balance |
Minimum amount |
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Transfers or surrenders: |
$50 |
Maximum amount |
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Transfers or surrenders: |
None |
Minimum amount |
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Transfers or surrenders: |
$250 or entire account balance |
Maximum amount |
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Transfers: |
Contract value or entire account balance |
Surrenders: |
$100,000 |
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Maximum Fee |
Current Fee |
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N/A |
N/A |
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N/A |
N/A |
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N/A |
N/A |
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N/A |
N/A |
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N/A |
N/A |
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N/A |
N/A |
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N/A |
N/A |
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N/A |
N/A |
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N/A |
N/A |
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average daily variable account value |
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average daily variable account value |
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contract value |
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contract value or guaranteed death benefit amount, whichever is greater (on or after age 86, 1.75% of guaranteed death benefit only) |
For application dates on or after For application dates prior to 10/16/2023: 0.95% |
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Adjusted partial surrenders |
= |
a × b |
c |
a |
= |
the amount your contract value is reduced by the partial surrender. |
b |
= |
the applicable ROPP value, MAV value or 5-year MAV value on the date of (but prior to) the partial surrender. |
c |
= |
the contract value on the date of (but prior to) the partial surrender. |
We calculate the death benefit as follows: |
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The total purchase payments minus adjustments for partial surrenders: |
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Total purchase payments minus adjusted partial surrenders, calculated as: |
$20,000 |
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$1,500 × $20,000 |
= |
–1,667 |
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$18,000 |
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for a death benefit of: |
$18,333 |
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since this is greater than your contract value of $16,500 |
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a × b |
where: |
c |
a |
= |
the amount the contract value is reduced by the partial surrender |
b |
= |
the applicable ROPP value, ADB value or MAV on the date of (but prior to) the partial surrender |
c |
= |
the contract value on the date of (but prior to) the partial surrender. |
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Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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- |
Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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|
PPS |
= |
PPSC + PPF |
PPSC |
= |
purchase payments surrendered that could be subject to a surrender charge |
|
= |
(PS – FA) / (CV – FA) × (PP – PPF) |
PPF |
= |
purchase payments surrendered that are not subject to a surrender charge |
|
= |
FA – contract earnings, but not less than zero |
PP |
= |
purchase payments not previously surrendered (total purchase payments – PPS from all previous surrenders) |
PS |
= |
amount the contract value is reduced by the surrender |
FA |
= |
total free amount = greater of contract earnings or 10% of prior anniversary’s contract value |
CV |
= |
contract value prior to the surrender |
|
|
Contract with Gain |
Contract with Loss | |
|
Contract value just prior to surrender: |
$60,000.00 |
$40,000.00 | |
|
Contract value on prior anniversary: |
58,000.00 |
42,000.00 | |
We calculate the surrender charge as follows: | ||||
Step 1. |
First, we determine the amount of earnings available in the contract at the time of surrender as: |
|
| |
|
Contract value just prior to surrender (CV): |
60,000.00 |
40,000.00 | |
|
Less purchase payments received and not previously surrendered (PP): |
50.000.00 |
50.000.00 | |
|
Earnings in the contract (but not less than zero): |
10,000.00 |
0.00 | |
Step 2. |
Next, we determine the total free amount (FA) available in the contract as the greatest of the following values: |
|
| |
|
Earnings in the contract: |
10,000.00 |
0.00 | |
|
10% of the prior anniversary’s contract value: |
5,800.00 |
4,200.00 | |
|
FA (but not less than zero): |
10,000.00 |
4,200.00 | |
Step 3. |
Next we determine PPF, the amount by which the total free amount (FA) exceeds earnings. |
|
| |
|
Total free amount (FA): |
10,000.00 |
4,200.00 | |
|
Less earnings in the contract: |
10,000.00 |
0.00 | |
|
PPF (but not less than zero): |
0.00 |
4,200.00 |
|
|
Contract with Gain |
Contract with Loss | |
Step 4. |
Next we determine PS, the amount by which the contract value is reduced by the surrender. |
|
| |
|
PS: |
60,000.00 |
40,000.00 | |
Step 5. |
Now we can determine how much of the PP is being surrendered (PPS) as follows: |
|
| |
|
PPS |
= PPF + PPSC |
|
|
|
|
= PPF + (PS − FA) / (CV − FA) * (PP − PPF) |
|
|
|
PPF from Step 3 = |
0.00 |
4,200.00 | |
|
PS from Step 4 = |
60,000.00 |
40,000.00 | |
|
CV from Step 1 = |
60,000.00 |
40,000.00 | |
|
FA from Step 2 = |
10,000.00 |
4,200.00 | |
|
PP from Step 1 = |
50,000.00 |
50,000.00 | |
|
PPS = |
50,000.00 |
50,000.00 | |
Step 6. |
We then calculate the surrender charge as a percentage of PPS. Note that for a contract with a loss, PPS may be greater than the amount you request to surrender: |
|
| |
|
PPS: |
50,000.00 |
50,000.00 | |
|
less PPF: |
0.00 |
4,200.00 | |
|
PPSC = amount of PPS subject to a surrender charge: |
50,000.00 |
45,800.00 | |
|
multiplied by the surrender charge rate: |
×7.0% |
×7.0% | |
|
surrender charge: |
3,500.00 |
3,206.00 | |
Step 7. |
The dollar amount you will receive as a result of your full surrender is determined as: |
|
| |
|
Contract value surrendered: |
60,000.00 |
40,000.00 | |
|
Surrender charge: |
(3,500.00 ) |
(3,206.00 ) | |
|
Contract charge (assessed upon full surrender): |
(50.00 ) |
(50.00 ) | |
|
Net full surrender proceeds: |
$56,450.00 |
$36,744.00 |
|
Contract with Gain |
Contract with Loss | ||
Contract value just prior to surrender: |
$60,000.00 |
$40,000.00 | ||
Contract value on prior anniversary: |
58,000.00 |
42,000.00 | ||
We determine the amount of contract value that must be surrendered in order for the net partial surrender proceeds to match the amount requested. We start with an estimate of the amount of contract value to surrender and calculate the resulting surrender charge and net partial surrender proceeds as illustrated below. We then adjust our estimate and repeat until we determine the amount of contract value to surrender that generates the desired net partial surrender proceeds. | ||||
We calculate the surrender charge for each estimate as follows: | ||||
Step 1. |
First, we determine the amount of earnings available in the contract at the time of surrender as: |
|
| |
|
Contract value just prior to surrender (CV): |
60,000.00 |
40,000.00 | |
|
Less purchase payments received and not previously surrendered (PP): |
50,000.00 |
50,000.00 | |
|
Earnings in the contract (but not less than zero): |
10,000.00 |
0.00 |
|
Contract with Gain |
Contract with Loss | ||
Step 2. |
Next, we determine the total free amount (FA) available in the contract as the greatest of the following values: |
|
| |
|
Earnings in the contract: |
10,000.00 |
0.00 | |
|
10% of the prior anniversary’s contract value: |
5,800.00 |
4,200.00 | |
|
FA (but not less than zero): |
10,000.00 |
4,200.00 | |
Step 3. |
Next we determine PPF, the amount by which the total free amount (FA) exceeds earnings |
|
| |
|
Total free amount (FA): |
10,000.00 |
4,200.00 | |
|
Less earnings in the contract: |
10,000.00 |
0.00 | |
|
PPF (but not less than zero): |
0.00 |
4,200.00 | |
Step 4. |
Next we determine PS, the amount by which the contract value is reduced by the surrender |
|
| |
|
PS (determined by iterative process described above): |
15,376.34 |
16,062.31 | |
Step 5. |
Now we can determine how much of the PP is being surrendered (PPS) as follows: |
|
| |
|
PPS |
= PPF + PPSC |
|
|
|
|
= PPF + (PS − FA) / (CV − FA) * (PP − PPF) |
|
|
|
PPF from Step 3 = |
0.00 |
4,200.00 | |
|
PS from Step 4 = |
15,376.34 |
16,062.31 | |
|
CV from Step 1 = |
60,000.00 |
40,000.00 | |
|
FA from Step 2 = |
10,000.00 |
4,200.00 | |
|
PP from Step 1 = |
50,000.00 |
50,000.00 | |
|
PPS = |
5,376.34 |
19,375.80 | |
Step 6. |
We then calculate the surrender charge as a percentage of PPS. Note that for a contract with a loss, PPS may be greater than the amount you request to surrender: |
|
| |
|
PPS: |
5,376.34 |
19,375.80 | |
|
less PPF: |
0.00 |
4,200.00 | |
|
PPSC = amount of PPS subject to a surrender charge: |
5,376.34 |
15,175.80 | |
|
multiplied by the surrender charge rate: |
×7.0% |
×7.0% | |
|
surrender charge: |
376.34 |
1,062.31 | |
Step 7. |
The dollar amount you will receive as a result of your partial surrender is determined as: |
|
| |
|
Contract value surrendered: |
15,376.34 |
16,062.31 | |
|
Surrender charge: |
(376.34 ) |
(1,062.31 ) | |
|
Net partial surrender proceeds: |
$15,000.00 |
$15,000.00 |
We calculate the Standard ROPP Death Benefit as follows: |
|
| ||
Contract value at death: |
$23,000.00 |
| ||
Purchase payments minus adjusted partial surrenders: |
|
| ||
|
Total purchase payments: |
$25,000.00 |
| |
|
minus adjusted partial surrenders, calculated as: |
|
| |
|
$1,500 × $25,000 |
= |
–1,704.54 |
|
|
$22,000 |
|
| |
|
for a death benefit of: |
$23,295.45 |
| |
The Standard ROPP Death Benefit, calculated as the greatest of these two values: |
$23,295.45 |
|
We calculate the MAV death benefit, which is based on the greater of three values, as follows: |
|
| ||
1. |
Contract value at death: |
$20,500.00 |
| |
2. |
Purchase payments minus adjusted partial surrenders: |
|
| |
|
Total purchase payments: |
$25,000.00 |
| |
|
minus adjusted partial surrenders, calculated as: |
|
| |
|
$1,500 × $25,000 |
= |
–1,704.55 |
|
|
$22,000 |
|
| |
|
for a death benefit of: |
$23,295.45 |
| |
3. |
The MAV immediately preceding the date of death: |
|
| |
|
Greatest of your contract anniversary values: |
$26,000.00 |
| |
|
plus purchase payments made since the prior anniversary: |
+0.00 |
| |
|
minus adjusted partial surrenders, calculated as: |
|
|
|
$1,500 × $26,000 |
= |
–1,772.73 |
|
|
$22,000 |
|
| |
|
for a death benefit of: |
$24,227.27 |
| |
The MAV Death Benefit, calculated as the greatest of these three values, which is the MAV: |
$24,227.27 |
|
We calculate the 5-Year MAV death benefit, which is based on the greater of three values, as follows: |
|
| ||
1. |
Contract value at death: |
$20,500.00 |
| |
2. |
Purchase payments minus adjusted partial surrenders: |
|
| |
|
Total purchase payments: |
$25,000.00 |
| |
|
minus adjusted partial surrenders, calculated as: |
|
| |
|
$1,500 × $25,000 |
= |
–1,704.55 |
|
|
$22,000 |
|
| |
|
for a death benefit of: |
$23,295.45 |
| |
3. |
The 5-Year MAV immediately preceding the date of death: |
|
| |
|
Greatest of your contract anniversary values: |
$26,000.00 |
| |
|
plus purchase payments made since the prior anniversary: |
+0.00 |
| |
|
minus adjusted partial surrenders, calculated as: |
|
| |
|
$1,500 × $26,000 |
= |
–1,772.73 |
|
|
$22,000 |
|
| |
|
for a death benefit of: |
$24,227.27 |
| |
The 5-Year MAV Death Benefit, calculated as the greatest of these three values, which is the 5-Year MAV: |
$24,227.27 |
|
MAV death benefit amount (contract value): |
$110,000 |
plus the Benefit Protector which equals 40% of earnings at death (MAV death benefit amount minus remaining purchase payments): |
|
0.40 × ($110,000 – $100,000) = |
+4,000 |
Total death benefit of: |
$114,000 |
MAV death benefit amount (maximum anniversary value): |
$110,000 |
plus the Benefit Protector (40% of earnings at death): |
|
0.40 × ($110,000 – $100,000) = |
+4,000 |
Total death benefit of: |
$114,000 |
MAV death benefit amount (maximum anniversary value adjusted for partial surrenders): |
| ||
$110,000 – |
($50,000 X $110,000) |
= |
$57,619 |
$105,000 | |||
plus the Benefit Protector (40% of earnings at death): |
| ||
0.40 × ($57,619 – $55,000) = |
+1,048 | ||
Total death benefit of: |
$58,667 |
MAV death benefit amount (contract value): |
$200,000 |
plus the Benefit Protector (40% of earnings at death) |
|
0.40 × 2.50 × ($55,000) = |
+55,000 |
Total death benefit of: |
$255,000 |
MAV death benefit amount (contract value): |
$250,000 |
plus the Benefit Protector (40% of earnings at death) |
|
0.40 × 2.50 × ($55,000) = |
+55,000 |
Total death benefit of: |
$305,000 |
MAV death benefit amount (contract value): |
$250,500 |
plus the Benefit Protector which equals 40% of earnings at death (the standard ROPP death benefit amount minus remaining purchase payments): |
|
0.40 × ($250,500 – $105,000) = |
+58,200 |
Total death benefit of: |
$308,700 |
The death benefit, which is based on the greatest of four values, is calculated as follows: |
|
| ||
1. |
Contract value death benefit (contract value minus rider fees):$22,800.00 - $64.10 = $22,735.90 |
$22,735.90 |
| |
2. |
Purchase payments minus adjusted partial surrenders: |
|
| |
|
Total purchase payments: |
$25,000.00 |
| |
|
minus adjusted partial surrenders, calculated as: |
|
| |
|
$1,500 × $25,000 |
= |
–1,543.21 |
|
|
$24,300 |
|
| |
|
for a death benefit of: |
$23,456.79 |
|
3. |
The MAV immediately preceding the date of death: |
|
| |
|
The MAV on the immediately preceding anniversary: |
$25,750.00 |
| |
|
plus purchase payments made since that anniversary: |
+0.00 |
| |
|
minus adjusted partial surrenders, calculated as: |
|
| |
|
$1,500 × $25,750 |
= |
–1,589.51 |
|
|
$24,300 |
|
| |
|
for a death benefit of: |
$24,160.49 |
| |
4. |
The Accumulation Death Benefit value: |
|
| |
|
The ADB value on the first contract anniversary calculated as: 1.05 × $25,000 = |
$26,250.00 |
| |
|
plus purchase payments made since that anniversary: |
+0.00 |
| |
|
minus adjusted partial surrender calculated as: |
|
| |
|
$1,500 × $26,250 |
= |
–1,620.37 |
|
|
$24,300 |
|
| |
|
for a death benefit of: |
$24,629.63 |
| |
|
|
| ||
Enhanced Legacy Benefit, calculated as the greatest of these four values, which is the Accumulation Death Benefit value: |
$24,629.63 |
|
State |
Feature or Benefit |
Variations or Availability |
California |
Buying Your Contract – Free Look |
If You are 60 years of age or older on the Contract date or Your Contract is a replacement of another insurance or annuity contract, You may return the Contract within 30 days from the date You received it. |
Contingent Events – Hospital or Nursing Home Confinement |
“Nursing Home “is referred to as "Qualified Long-Term Care Services". | |
Florida |
Buying Your Contract – Free Look |
You may return the Contract within 21 days from the date You received it. If Your Contract is a replacement of another insurance or annuity contract, You may return the Contract within 21 days from the date You received it. |
Surrender Charge |
If the Owner on the Contract Date is age 65 or older on that date, the Surrender Charge applied to a full surrender or to any partial surrender is subject to a maximum of 10% of the amount surrendered. | |
Purchase Payments– Maximum Total Purchase Payment |
Maximum purchase payments cannot be determined as the total purchase payments made to all contracts issued to the owner. The following contract language is not applicable to contracts issued in Florida: In determining whether You have reached the maximum amount allowed under the Maximum Total Purchase Payments per Owner, We include payments made to all deferred annuity contracts We have issued where You are an Owner. We reserve the right to increase the maximums. | |
North Dakota |
Buying Your Contract – Free Look |
You may return the Contract within 20 days from the date You received it. If Your Contract is a replacement of another insurance or annuity contract, You may return the Contract within 20 days from the date You received it. |
Interest on death claims provision |
The following interest on claims provision has been added to the Contract: Interest will be paid on the death benefit from the date of death until the date of the lump sum payment or election of an Annuity Payment plan at a rate of interest not less than that required by law. |
(a) |
(i) |
|
|
(ii) |
|
(b) |
|
Not applicable. |
(c) |
|
|
(d) |
(i) |
|
|
(ii) |
|
|
(iii) |
|
|
(iv) |
|
|
(v) |
|
|
(vi) |
|
|
(vii) |
|
|
(viii) |
|
|
(ix) |
|
|
(x) |
|
|
(xi) |
|
|
(xii) |
|
|
(xiii) |
|
|
(xiv) |
|
(xv) |
|
(e) |
|
|
(f) |
(i) |
|
|
(ii) |
|
|
(iii) |
|
(g) |
|
Not applicable. |
(h) |
(i) |
|
|
(ii) |
|
|
(iii) |
|
|
(iv) |
|
|
(v) |
|
|
(vi) |
|
|
(vii) |
|
|
(viii) |
|
|
(ix) |
|
|
(x) |
|
|
(xxv) |
|
(i) |
|
Not Applicable. |
(j) |
|
Not applicable. |
(k) |
|
|
(l) |
|
|
(m) |
|
Not applicable. |
(n) |
|
Not applicable. |
(o) |
|
Not applicable. |
(p) |
|
|
101 |
|
Inline Interactive Data File – the instance document does not appear in the Interactive Data File because its iXBRL tags are embedded within the Inline XBRL document filed electronically herewith. |
Name |
Principal Business Address* |
Position and Offices With Depositor |
Gumer C. Alvero |
|
Chairman of the Board and President |
Michael J. Pelzel |
|
Senior Vice President – Corporate Tax |
Stephen P. Blaske |
|
Director, Senior Vice President and Chief Actuary |
Shweta Jhanji |
|
Senior Vice President and Treasurer |
Gene R. Tannuzzo |
|
Director |
Sherman, Kara D. |
|
Director |
Stephen R. Wolfrath |
|
Director, Vice President – Insurance and Annuities Product Development and Management |
John R. Hutt |
|
Director |
Brian E. Hartert |
|
Chief Financial Officer |
Paula J. Minella |
|
Secretary |
Gregg L. Ewing |
|
Vice President and Controller |
Parent Company /Subsidiary Name |
Jurisdiction |
Ameriprise Financial, Inc.* |
Delaware |
Ameriprise Advisor Capital, LLC |
Delaware |
Ameriprise Advisor Financing 2, LLC |
Delaware |
Ameriprise Asset Management Holdings Singapore (Pte.) Ltd. |
Singapore |
Ameriprise Asset Management Holdings Hong Kong Limited |
Hong Kong |
Threadneedle Portfolio Services Hong Kong Limited |
Hong Kong |
Columbia Threadneedle Investments Japan Co., Ltd. |
Japan |
Parent Company /Subsidiary Name |
Jurisdiction |
Columbia Threadneedle Malaysia Sdn Bhd. |
Malaysia |
Threadneedle Investments Singapore (Pte.) Ltd. |
Singapore |
Ameriprise Bank, FSB |
Federal |
Ameriprise Capital Trust I |
Delaware |
Ameriprise Capital Trust II |
Delaware |
Ameriprise Capital Trust III |
Delaware |
Ameriprise Capital Trust IV |
Delaware |
Ameriprise Captive Insurance Company |
Vermont |
Ameriprise Certificate Company |
Delaware |
Investors Syndicate Development Corporation |
Nevada |
Ameriprise Holdings, Inc. |
Delaware |
Ameriprise India LLP1 |
India |
Ameriprise India Partner, LLC |
Delaware |
Ameriprise Trust Company |
Minnesota |
AMPF Holding, LLC |
Michigan |
American Enterprise Investment Services Inc.2 |
Minnesota |
Ameriprise Financial Services, LLC2 |
Delaware |
AMPF Property Corporation |
Michigan |
Investment Professionals, Inc.2 |
Texas |
Columbia Management Investment Advisers, LLC |
Minnesota |
Advisory Capital Strategies Group Inc. |
Minnesota |
Columbia Wanger Asset Management, LLC |
Delaware |
Emerging Global Advisors, LLC |
Delaware |
GA Legacy, LLC |
Delaware |
J. & W. Seligman & Co. Incorporated |
Delaware |
Columbia Management Investment Distributors, Inc.2 |
Delaware |
Seligman Partners, LLC3 |
Delaware |
Lionstone BBP GP, LLC |
Delaware |
Lionstone BBP Limited Partner, LLC |
Delaware |
Lionstone CREAD Partners Two, LLC |
Delaware |
Lionstone CREAD GP, LLC |
Delaware |
Lionstone LORE Two, LLC |
Delaware |
Lionstone Partners, LLC |
Texas |
Cash Flow Asset Management GP, LLC |
Texas |
Cash Flow Asset Management, L.P.4 |
Texas |
Lionstone Advisory Services, LLC |
Texas |
Lionstone CFRE II Real Estate Advisory, LLC |
Delaware |
Lionstone Development Services, LLC |
Texas |
Parent Company /Subsidiary Name |
Jurisdiction |
LPL 1111 Broadway GP, LLC |
Texas |
LPL 1111 Broadway, L.P.5 |
Texas |
Lionstone Raleigh Development Partners GP, LLC |
Delaware |
Lionstone RDP Channel House Investors, L.P. |
Delaware |
Lionstone RDP PCS Phase I Investors, L.P. |
Delaware |
Lionstone RDP Platform Investors, L.P. |
Delaware |
Lionstone RDP Tower V Investors GP, LLC |
Delaware |
Lionstone RDP St. Albans Investors GP, LLC |
Delaware |
Lionstone RDP Co-Investment Fund I GP, LLC |
Delaware |
Lionstone VA Five, LLC |
Delaware |
RiverSource CDO Seed Investments, LLC |
Minnesota |
Columbia Management Investment Services Corp. |
Minnesota |
Columbia Threadneedle Canada, Inc. |
Ontario |
Columbia Threadneedle Canada Holdings, Inc. |
Ontario |
Columbia Threadneedle Investments UK International Limited |
England & Wales |
Columbia Threadneedle (Europe) Limited |
England & Wales |
Columbia Threadneedle AM (Holdings) plc |
Scotland |
Astraeus III GP LLP |
|
Astraeus III FP LP |
|
Columbia Threadneedle Capital (Group) Limited |
Cayman Islands |
Columbia Threadneedle Capital (Holdings) Limited |
Cayman Islands |
Columbia Threadneedle Capital (UK) Limited |
England & Wales |
Columbia Threadneedle Multi-Manager LLP |
England & Wales |
Thames River Capital LLP |
England & Wales |
Columbia Threadneedle Group (Holdings) Limited |
England & Wales |
Columbia Threadneedle Group (Management) Limited |
England & Wales |
Columbia Threadneedle Holdings Limited |
England & Wales |
Columbia Threadneedle Investment Services Limited |
England & Wales |
Columbia Threadneedle Management Limited |
England & Wales |
F&C Unit Management Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
FCEM Holdings (UK) Limited |
England & Wales |
F&C Emerging Markets Limited |
England & Wales |
F&C (CI) Limited |
England & Wales |
F&C Private Equity Nominee Limited |
England & Wales |
Columbia Threadneedle Luxembourg S.A.6† |
Luxembourg |
Columbia Threadneedle Netherlands B.V. |
Netherlands |
F&C Alternative Investments (Holdings) Limited |
England & Wales |
F&C Ireland Limited |
Ireland |
Columbia Threadneedle Treasury Limited |
England & Wales |
WAM Holdings Ltd |
England & Wales |
Columbia Threadneedle Fund Management Limited |
England & Wales |
Columbia Threadneedle Managers Limited |
England & Wales |
Columbia Threadneedle (Services) Limited |
Scotland |
Columbia Threadneedle Management (Swiss) GmbH‡ |
Switzerland |
Columbia Threadneedle Investment Business Limited |
Scotland |
Columbia Threadneedle PE Co-Investment GP LLP |
Scotland |
FCIT PE FP LP6 |
Scotland |
Columbia Threadneedle PE Co-Investment FP LP6 |
Scotland |
Columbia Threadneedle Real Estate Partners LLP7 |
England & Wales |
CT UK Residential Real Estate FCP-RAIF (Associate) |
England & Wales |
REIT Asset Management Limited |
England & Wales |
Columbia Threadneedle REP (Corporate Services) Limited |
England & Wales |
F&C REIT Corporate Finance Limited |
England & Wales |
Columbia Threadneedle Real Estate Partners S.à.r.l. |
Luxembourg |
CT Real Estate Partners GmbH & Co. KG, München |
Germany |
CT Real Estate Partners Verwaltungsgesellschaft mbH, München (General Partner) |
Germany |
Columbia Threadneedle Real Estate Partners Asset Management plc |
England & Wales |
FOSCA II Manager S.à.r.l. |
Luxembourg |
Parent Company /Subsidiary Name |
Jurisdiction |
Columbia Threadneedle REP Property Management Limited |
England & Wales |
Columbia Threadneedle Unit Trust Managers Limited |
England |
Castle Mount Impact Partners GP LLP |
|
Castle Mount Impact Partners FP LP |
|
F&C Aurora (GP) Limited |
Scotland |
LPE II (Founding Partner) LP |
Scotland |
The Aurora Fund (Founder Partner) LP6 |
Scotland |
F&C Climate Opportunity Partners (GP) Limited |
Scotland |
F&C Climate Opportunity Partners (GP) LP |
Scotland |
F&C Climate Opportunity Partners (Founder Partner) LP6 |
Scotland |
F&C Equity Partners Holdings Limited |
England & Wales |
F&C Equity Partners plc |
England & Wales |
F&C European Capital Partners (Founder Partner) LP6 |
Scotland |
F&C European Capital Partners II (GP) Limited |
Scotland |
F&C European Capital Partners II (Founder Partner) LP6 |
Scotland |
F&C European Capital Partners II (GP) LP |
Scotland |
F&C Finance plc |
England & Wales |
F&C Group ESOP Trustee Limited |
Scotland |
F&C Investment Manager plc |
England & Wales |
FP Asset Management Holdings Limited |
England & Wales |
Columbia Threadneedle Asset Managers Limited |
England & Wales |
Ivory & Sime (Japan) KK |
Japan |
Ivory & Sime Limited |
Scotland |
Columbia Threadneedle (EM) Investments Limited |
England & Wales |
Pyrford International Limited |
England & Wales |
RiverSource Distributors, Inc.2 |
Delaware |
RiverSource Life Insurance Company |
Minnesota |
Columbia Cent CLO Advisers, LLC |
Delaware |
RiverSource Life Insurance Co. of New York |
New York |
RiverSource NY REO, LLC |
New York |
RiverSource REO 1, LLC |
Minnesota |
RiverSource Tax Advantaged Investments, Inc. |
Delaware |
Parent Company /Subsidiary Name |
Jurisdiction |
AEXP Affordable Housing Portfolio, LLC8 |
Delaware |
TAM UK International Holdings Limited |
England & Wales |
Columbia Threadneedle Investments (ME) Limited |
Dubai |
CTM Holdings Limited |
Malta |
TAM Investment Limited |
England & Wales |
Threadneedle Asset Management Oversight Limited |
England & Wales |
Ameriprise International Holdings GmbH |
Switzerland |
Threadneedle EMEA Holdings 1, LLC |
Minnesota, USA |
Threadneedle Holdings Limited |
England & Wales |
TAM UK Holdings Limited |
England & Wales |
Threadneedle Asset Management Holdings Limited** |
England & Wales |
Columbia Threadneedle Foundation |
England & Wales |
TC Financing Limited |
England & Wales |
Threadneedle Asset Management Limited |
England & Wales |
Threadneedle Investment Services Limited |
England & Wales |
Threadneedle Asset Management (Nominees) Limited |
England & Wales |
Sackville TIPP Property (GP) Limited |
England & Wales |
Threadneedle Asset Management Finance Limited |
England & Wales |
TMS Investment Limited |
Jersey |
Threadneedle International Limited |
England & Wales |
Threadneedle Investments (Channel Islands) Limited |
Jersey |
Threadneedle Investments Limited |
England & Wales |
Threadneedle Management Services Limited |
England & Wales |
Threadneedle Pension Trustees Limited |
England & Wales |
Threadneedle Navigator ISA Manager Limited |
England & Wales |
Threadneedle Pensions Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Threadneedle Portfolio Services AG |
Switzerland |
Threadneedle Portfolio Services Limited |
England & Wales |
Threadneedle Property Investments Limited |
England & Wales |
Sackville (CTESIF) 2&3 GP Sàrl |
Luxembourg |
Sackville LCW (GP) Limited |
England & Wales |
Sackville LCW Sub LP 1 (GP) Limited |
England & Wales |
Sackville LCW Nominee 1 Limited |
England & Wales |
Sackville LCW Nominee 2 Limited |
England & Wales |
Sackville LCW Sub LP 2 (GP) Limited |
England & Wales |
Sackville LCW Nominee 3 Limited |
England & Wales |
Sackville LCW Nominee 4 Limited |
England & Wales |
Sackville Property Atlantic (Jersey GP) Limited |
Jersey |
Sackville Property Curtis (Jersey GP) Limited |
Jersey |
Sackville Property Farnborough (Jersey GP) Limited |
Jersey |
Sackville Property Hayes (Jersey GP) Limited |
Jersey |
Sackville UKPEC6 Hayes Nominee 1 Limited |
Jersey |
Sackville UKPEC6 Hayes Nominee 2 Limited |
Jersey |
Sackville Tandem Property (GP) Limited |
England & Wales |
Sackville TPEN Property (GP) Limited |
England & Wales |
Sackville TSP Property (GP) Limited |
England & Wales |
Sackville UK Property Select II (GP) Limited |
England & Wales |
Sackville UK Property Select II (GP) No. 3 Limited |
England & Wales |
Sackville UK Property Select II Nominee (3) Limited |
England & Wales |
Sackville UK Property Select III (GP) No. 1 Limited |
England & Wales |
Sackville UK Property Select III Nominee (1) Limited |
England & Wales |
Sackville UK Property Select III Nominee (2) Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Sackville UK Property Select III (GP) No. 2 Limited |
England & Wales |
Sackville UK Property Select III Nominee (3) Ltd |
England & Wales |
Sackville UK Property Select III Nominee (4) Ltd |
England & Wales |
Sackville UK Property Select III (GP) No. 3 Limited |
England & Wales |
Sackville UK Property Select III Nominee (5) Ltd |
England & Wales |
Sackville UK Property Select III Nominee (6) Ltd |
England & Wales |
Sackville UK Property Select III (GP) S.à r.l. |
Luxembourg |
Sackville UK Property Select IV (GP) S.à.r.l. |
Luxembourg |
Sackville UK Property Select IV (GP) No. 1 Limited |
England |
Sackville UK Property Select IV Nominee (1) Limited |
England |
Sackville UK Property Select IV Nominee (2) Limited |
England |
Sackville UK Property Select IV (GP) No. 2 Limited |
England |
Sackville UK Property Select IV Nominee (3) Limited |
England |
Sackville UK Property Select IV Nominee (4) Limited |
England |
Sackville UK Property Select IV (GP) No. 3 Limited |
England |
Sackville UK Property Select IV Nominee (5) Limited |
England |
Sackville UK Property Select IV Nominee (6) Limited |
England |
Sackville UKPEC1 Leeds (GP) Limited |
England & Wales |
Sackville UKPEC3 Croxley (GP) Limited |
England & Wales |
Threadneedle Property Execution 1 Limited |
England & Wales |
Threadneedle Property Execution 2 Limited |
England & Wales |
Threadneedle UK Property Select IV Feeder SA SICAV-RAIF |
Luxembourg |
Threadneedle Unit Trust Manager Limited |
England & Wales |
Threadneedle Management Luxembourg S.A. |
Luxembourg |
Name and Principal Business Address* |
|
Positions and Offices with Underwriter |
Kara D. Sherman |
|
Director |
Janz, Sara S. |
|
Director |
Name and Principal Business Address* |
|
Positions and Offices with Underwriter |
Gumer C. Alvero |
|
Chairman of the Board and Chief Executive Officer |
Shweta Jhanji |
|
Senior Vice President and Treasurer |
Paula J. Minella |
|
Secretary |
Jason S. Bartylla |
|
Chief Financial Officer |
NAME OF PRINCIPAL UNDERWRITER |
NET UNDERWRITING DISCOUNTS AND COMMISSIONS |
COMPENSATION ON REDEMPTION |
BROKERAGE COMMISSIONS |
COMPENSATION |
RiverSource Distributors, Inc. |
$394,275,424 |
None |
None |
None |
|
RiverSource Variable Account 10 | |
|
(Registrant) | |
|
By: |
/s/ Gumer C. Alvero |
|
|
Gumer C. Alvero Chairman of the Board and President |
|
RiverSource Life Insurance Company | |
|
(Depositor) | |
|
By: |
/s/ Gumer C. Alvero |
|
|
Gumer C. Alvero Chairman of the Board and President |
Signature |
Title |
/s/ Gumer C. Alvero |
Chairman of the Board and President (Chief Executive Officer) |
Gumer C. Alvero | |
/s/ Michael J. Pelzel |
Senior Vice President – Corporate Tax |
Michael J. Pelzel | |
/s/ Stephen P. Blaske |
Director, Senior Vice President and Chief Actuary |
Stephen P. Blaske | |
/s/ Shweta Jhanji |
Senior Vice President and Treasurer |
Shweta Jhanji | |
/s/ Brian E. Hartert |
Chief Financial Officer (Chief Financial Officer) |
Brian E. Hartert | |
/s/ Gene R. Tannuzzo |
Director |
Gene R. Tannuzzo | |
/s/ Gregg L. Ewing |
Vice President and Controller (Principal Accounting Officer) |
Gregg L. Ewing | |
/s/ Stephen R. Wolfrath |
Director, Vice President-Insurance and Annuities Product Development and Management |
Stephen R. Wolfrath | |
/s/ John R. Hutt |
Director |
John R. Hutt |
(k) |
Opinion of counsel and consent to its use as to the legality of the securities being registered. |
(l) |
Consent of Independent Registered Public Accounting Firm |
101 |
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