|
Pre-Effective Amendment No. |
[] |
|
Post-Effective Amendment No. 8 (File No. 333-237302) |
[X] |
|
Amendment No. 204 (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 |
The Contract does not have a surrender charge. |
Charges – Surender Charged for Fixed Annuity Payout Plans |
Transaction Charges |
We do not assess any transaction charges. |
|
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 specifications 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: FundsAvailable Under the Contract | ||
Annual Fee |
Minimum |
Maximum | ||
Base Contract (varies by size of Contract Value)(1) |
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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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(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. | ||||
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 |
| ||
Risk of Loss |
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Principal Risks |
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RISKS |
Location in Statutory Prospectus |
Not a Short-Term Investment |
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Principal Risks | ||
Risks Associated with Investment Options |
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Principal Risks The Variable Account and the Funds The Guarantee Period Accounts (GPAs) The Fixed Account | ||
Insurance Company Risks |
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Principal Risks The General Account |
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RESTRICTIONS |
| ||
Investments |
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Making the Most of Your Contract – Transferring Among Accounts Substitution of Investments | ||
Optional Benefits |
|
Optional Benefits – Enhanced Legacy Benefit – Investment Allocation Restriction | ||
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TAXES |
| ||
Tax Implications |
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Taxes |
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CONFLICTS OF INTEREST |
Location in Statutory Prospectus | ||
Investment Professional Compensation |
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About the Service Providers | ||
Exchanges |
|
Buying Your Contract – Contract Exchanges |
Number of Completed Years Since Annuitization* |
Surrender charge percentage |
1 |
5% |
2 |
4 |
3 |
3 |
4 |
2 |
5 |
1 |
6 and thereafter |
0 |
Annual contract administrative charge* |
Maximum: $ |
Current: $ |
Annual contract administrative charge if your contract value equals or exceeds $50,000 |
Maximum: $ |
Current: $ |
Standard Death Benefit |
Maximum/Current: |
ROPP Death Benefit |
Maximum/Current: |
MAV Death Benefit |
Maximum/Current: |
5-year MAV Death Benefit |
Maximum/Current: |
Benefit Protector Death Benefit rider fee |
Maximum: |
Current: |
Enhanced LegacySM Benefit fee |
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 |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
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 |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
If your GPA rate is: |
The MVA is: |
Less than the new GPA rate + 0.10% |
Negative |
Equal to the new GPA rate + 0.10% |
Zero |
Greater than the new GPA rate + 0.10% |
Positive |
By spreading the investment over the term of the Special DCA |
|
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 |
$2,000 |
Nonqualified annuities |
$10,000 |
through age 85 |
$1,000,000 |
for ages 86 to 90 |
$100,000 |
age 91 or older |
$0 |
through age 85 |
$100,000 |
for ages 86 to 90 |
$50,000 |
age 91 or older |
$0 |
through age 85 |
$0 |
for ages 86 to 90 |
$0 |
age 91 or older |
$0 |
Number of Completed Years Since Annuitization* |
Surrender charge percentage |
1 |
5% |
2 |
4 |
3 |
3 |
4 |
2 |
5 |
1 |
6 and thereafter |
0 |
Standard Death Benefit |
Maximum/Current: 0.95% |
ROPP Death Benefit(1) |
Maximum/Current: 0.35% |
MAV Death Benefit |
Maximum/Current: 0.25% |
5-year MAV Death Benefit |
Maximum/Current: 0.10% |
Example of Net Investment Factor and Accumulation Unit Value |
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Net asset value per share |
25.00000000 |
| ||
+ |
Accrued income or capital gain dividends per share |
0.00000000 |
| |
= |
Adjusted net asset value per share |
25.00000000 |
| |
÷ |
Previous adjusted net asset value per share |
25.20000000 |
| |
= |
Investment factor |
0.99206349 |
| |
– |
Daily mortality and expense risk fee |
0.00002596 |
| |
= |
Net investment factor |
0.99203754 |
| |
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Previous accumulation unit value |
2.05000000 |
| ||
× |
Net investment factor |
0.99203754 |
| |
= |
Current accumulation unit value |
2.03367695 |
|
By investing an equal number of dollars each month |
|
Month |
Amount invested |
Accumulation unit value |
Number of units purchased |
|
|
Jan |
$100 |
$20 |
5.00 |
|
|
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 | |
|
|
May |
100 |
16 |
6.25 |
|
|
June |
100 |
18 |
5.56 |
|
|
July |
100 |
17 |
5.88 |
and fewer units when the per unit market price is high. |
|
Aug |
100 |
19 |
5.26 |
→ |
Sept |
100 |
21 |
4.76 | |
|
|
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 |
|
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 (except for automated transfers from the fixed account) |
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 |
|
Standard Benefits | ||||
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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 |
|
Optional Benefits |
Name of Benefit |
Purpose |
Maximum Fee |
Current Fee |
Brief Description of Restrictions/ Limitations |
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|
average daily contract value in the variable account |
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average daily contract value in the variable account |
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average daily contract value in the variable account |
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contract value |
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greater of contract value and guaranteed death benefit (On or after age 86, 1.75% of guaranteed death benefit). |
For application dates on or after For application dates prior to 10/16/2023: 0.95% |
|
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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| ||
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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 |
| |
|
$1,500 × $20,000 |
= |
–1,667 |
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|
$18,000 |
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| |
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for a standard 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. |
|
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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( |
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- |
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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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Early surrender amount |
× |
[ |
( |
1 + i |
) |
(n/12) |
–1 |
] |
= |
MVA |
1 + j + .001 |
Where i |
= |
rate earned in the GPA from which amounts are being transferred or surrendered. |
j |
= |
current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period (rounded up to the next year). |
n |
= |
number of months remaining in the current Guarantee Period (rounded up to the next month). |
$1,000 |
× |
[ |
( |
1.030 |
) |
(84/12) |
–1 |
] |
= |
-$39.84 |
1 + .035 + .001 |
$1,000 |
× |
[ |
( |
1.030 |
) |
(84/12) |
–1 |
] |
= |
$27.61 |
1 + .025 + .001 |
We calculate the 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 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 |
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 |
|
(a) |
(i) |
|
|
(ii) |
|
(b) |
|
Not applicable. |
(c) |
|
|
(d) |
(i) |
|
|
(ii) |
|
|
(iii) |
Form of TSA Endorsement (form 31049), filed electronically as Exhibit 4.7 to Pre-Effective Amendment No. 1 to Registration Statement No. 333-79311 filed on or about Aug. 10, 1999 is incorporated herein by reference. |
|
(iv) |
Form of TSA Endorsement (form 131068), filed electronically as Exhibit 4.17 to Post-Effective Amendment No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by reference. |
|
(v) |
Copy of Company name change endorsement (form 131115) for RiverSource Life Insurance Company, filed electronically as Exhibit 4.32 to Registrant's Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 filed on or about Jan. 2, 2007, is incorporated by reference. |
|
(vi) |
|
|
(vii) |
|
|
(viii) |
|
|
(ix) |
|
|
(x) |
|
|
(xi) |
|
(e) |
|
Form of Variable Annuity Application (form 31063), filed electronically as Exhibit 5 to Pre-Effective Amendment No. 1 to Registration Statement No. 333-79311 filed on or about Aug. 10, 1999 is incorporated herein by reference. |
(f) |
(i) |
Certificate of Incorporation of IDS Life dated July 24, 1957, filed electronically as Exhibit 6.1 to Registrant's Initial Registration Statement No. 33-62407 is incorporated herein by reference. |
|
(ii) |
Copy of Certificate of Amendment of Certificate of Incorporation of IDS Life Insurance Company dated June 22, 2006, filed electronically as Exhibit 27(f)(1) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference. |
|
(iii) |
Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company filed electronically as Exhibit 27(f)(2) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference. |
(g) |
|
Not applicable. |
(h) |
(i) |
|
|
(ii) |
|
|
(iii) |
|
|
(iv) |
|
|
(v) |
|
|
(vi) |
|
|
(vii) |
|
|
(viii) |
|
|
(ix) |
|
|
(x) |
|
|
(xi) |
|
|
(xii) |
|
|
(xiii) |
|
|
(xiv) |
|
|
(xv) |
|
|
(xvi) |
|
|
(xvii) |
|
|
(xviii) |
|
|
(xix) |
|
|
(xx) |
|
|
(xxi) |
|
|
(xxii) |
|
|
(xxiii) |
|
|
(xxiv) |
|
(i) |
|
Not Applicable. |
(j) |
|
Not Applicable. |
(k) |
|
|
(l) |
|
|
(m) |
|
None |
(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 |
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 |
Parent Company /Subsidiary Name |
Jurisdiction |
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 |
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 |
Parent Company /Subsidiary Name |
Jurisdiction |
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 |
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 |
Parent Company /Subsidiary Name |
Jurisdiction |
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 |
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 |
Parent Company /Subsidiary Name |
Jurisdiction |
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 |
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 |
Parent Company /Subsidiary Name |
Jurisdiction |
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 |
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 |
Parent Company /Subsidiary Name |
Jurisdiction |
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 |
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 |
Parent Company /Subsidiary Name |
Jurisdiction |
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 |
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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