Log in MENU Home Annuities Variable Annuities Variable annuities Take charge of your retirement You may have questions as you plan for retirement such as, when is the right time to stop working and retire? Will my money last as long as I need it to? How can I protect my money for my beneficiaries? A variable annuity can help you prepare for these retirement challenges with the opportunity to grow your portfolio and enjoy income for as long as you need it. What is a variable annuity and what does it offer? A variable annuity is a long-term retirement investment issued by an insurance company that can help you: Grow your money Take income in retirement Pass on your wealth A variable annuity offers: Opportunities to take advantage of market gains and grow your investment tax-deferred Ways to protect your investment for your beneficiaries through optional death benefit riders (for additional fees) Benefits that allow you to grow your retirement savings, lock in market gains and receive guaranteed lifetime income through optional living benefit riders (for an additional fee) A program designed to help you create income projected to be sustainable from your annuity The guarantees of a variable annuity are backed by the strength and soundness of the issuing insurance company. Help optimize your wealth and allow assets to grow In a variable annuity, your money has the opportunity to grow by investing in subaccount funds made up of stocks and bonds that rise and fall with the market. Over time, you can earn a “variable” rate of return. As with other investments, there is potential to lose money based on the performance of the subaccount funds. Discover if a variable annuity is right for your retirement strategy. Get guidance from an advisor. Variable annuity solutions RiverSource® RAVA 5 variable annuities RiverSource RAVA 5 Access® inherited nonqualified stretch annuity RiverSource® RAVA 5 variable annuities Professionally managed investments Opportunity to grow your investment tax-deferred Death benefits that protect your investment for your loved ones Optional benefits available for additional fees offer the opportunity for income growth with the security of guaranteed income to last a lifetime Help you prepare for and follow an adaptive withdrawal strategy using The Income GuideSM program Get the details for the RAVA 5 Advantage (see the New York version) and RAVA 5 Choice (see the New York version) variable annuities. 57% of pre-retirees don’t expect a pension plan to be a major source of their retirement income. Employee Benefit Research Institute and Greenwald & Associates, Inc. 2019 Retirement Confidence Survey RAVA 5 Advantage® variable annuity See guide. New York version. RAVA 5 Choice® variable annuity See guide. New York version. RAVA 5 Access® variable annuity Available only as a nonqualified stretch annuity See guide. Videos to view Play Video CLIENT STORY The value of lifetime income Watch this real story about a woman who is living the retirement we all dream of, with the confidence and security from her RiverSource annuity. (3:58) Play Video SOLUTIONS AND STRATEGIES Your retirement puzzle – featuring the SecureSource® benefits One way to protect you from the 'Sequence of Returns' risk and create a reliable source of income - no matter how the markets perform - is with a SecureSource benefit. (15:49) Play Video EDUCATIONAL Understanding the 'Sequence of Returns' risk A critical risk to consider when deciding when to retire is called, 'Sequence of Returns' risk. Watch this video to show you how dramatically it can impact your retirement portfolio. (2:27) Find out more For New York and Texas, please select your state. For all others, please select National, then the product name. State National NY TX Product Select a Product Evergreen Essential variable annuity Evergreen New Solutions Select variable annuity Evergreen New Solutions variable annuity Evergreen Pathways Select Variable Annuity (Option C) Evergreen Pathways Select Variable Annuity (Option L) Evergreen Pathways variable annuity (Option C) Evergreen Pathways variable annuity (Option L) Evergreen Privilege variable annuity (Option C) Evergreen Privilege variable annuity (Option L) RiverSource® AccessChoice Select variable annuity (Option L) RiverSource® Builder Select variable annuity RiverSource® Combination Retirement Annuity RiverSource® Employee Benefit Annuity RiverSource® Endeavor Select variable annuity RiverSource® FlexChoice Select variable annuity (Option C) RiverSource® FlexChoice Select variable annuity (Option L) RiverSource® FlexChoice variable annuity (Option C) RiverSource® FlexChoice variable annuity (Option L) RiverSource® Flexible Annuity RiverSource® Flexible Portfolio Annuity RiverSource® Galaxy Premier variable annuity RiverSource® Innovations Classic Select variable annuity RiverSource® Innovations Classic variable annuity RiverSource® Innovations Select variable annuity RiverSource® Innovations variable annuity RiverSource® New Solutions variable annuity RiverSource® Personal Portfolio Plus2 variable annuity RiverSource® Personal Portfolio variable annuity RiverSource® Pinnacle variable annuity RiverSource® Platinum variable annuity RiverSource® Preferred variable annuity RiverSource® Privileged Assets Select Annuity RiverSource® RAVA 5 Access variable annuity RiverSource® RAVA 5 Advantage variable annuity RiverSource® RAVA 5 Choice RiverSource® RAVA 5 Select variable annuity RiverSource Retirement Advisor 4 Access® variable annuity RiverSource Retirement Advisor 4 Advantage® variable annuity RiverSource Retirement Advisor 4 Select® variable annuity RiverSource Retirement Advisor Advantage Plus® variable annuity RiverSource Retirement Advisor Advantage® variable annuity RiverSource Retirement Advisor Select Plus® variable annuity RiverSource Retirement Advisor Select® variable annuity RiverSource Retirement Advisor Variable Annuity® RiverSource® Retirement Group Annuity I RiverSource® Retirement Group Annuity II RiverSource® Signature One Select variable annuity RiverSource® Signature One variable annuity RiverSource® Signature Select Variable Annuity RiverSource® Signature variable annuity RiverSource® Variable Annuity Fund A - Single payment RiverSource® Variable Annuity Fund A - Employer plan flex payment RiverSource® Variable Annuity Fund A - Non-employer plan flex payment RiverSource® Variable Annuity Fund B - Group contract RiverSource® Variable Annuity Fund B - Single and flex payments - 1971 and 1969 RiverSource® Variable Annuity Fund B - Single and flex payments - 1972 Symphony Annuity Wells Fargo Advantage® Builder variable annuity Wells Fargo Advantage Choice Select variable annuity (Option C) Wells Fargo Advantage Choice Select variable annuity (Option L) Wells Fargo Advantage Choice® variable annuity (Option C) Wells Fargo Advantage Choice® variable annuity (Option L) Wells Fargo Advantage® Select variable annuity Wells Fargo Advantage® variable annuity Talk to your advisor to find out if variable annuities are right for you and your financial needs. Quick Links Performance - Portfolio Stabilizer Funds Performance - Portfolio Navigator Funds Ready to invest in an annuity? Talk to an advisor to discuss variable annuities. Contact your Ameriprise advisor, or, if you don’t have one, get connected to a knowledgeable advisor who can help. Find an advisor The guarantees offered by RiverSource® annuities are backed by the strength and soundness of RiverSource Life Insurance Company and, in New York, RiverSource Life Insurance Co. of New York, and are subject to their claims-paying ability. These guarantees do not apply to the investments in the annuity, which will vary with market conditions. 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All rights reserved. Users of this site agree to be bound by the terms of the RiverSource Website Rules and Regulations. This information is for a general audience and is not intended to address individual financial situations or needs. RiverSource Life Insurance Company/RiverSource Life Insurance Co. of New York does not provide investment advice. Annuity and insurance products are issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. Variable products are distributed by RiverSource Distributors Inc., Minneapolis, Minnesota, Member FINRA.