0000950137-08-014109.txt : 20110310
0000950137-08-014109.hdr.sgml : 20110310
20081126164238
ACCESSION NUMBER: 0000950137-08-014109
CONFORMED SUBMISSION TYPE: 485APOS
PUBLIC DOCUMENT COUNT: 5
FILED AS OF DATE: 20081126
DATE AS OF CHANGE: 20090109
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: RIVERSOURCE VARIABLE ACCOUNT 10
CENTRAL INDEX KEY: 0001000191
IRS NUMBER: 000000000
STATE OF INCORPORATION: MN
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: 485APOS
SEC ACT: 1933 Act
SEC FILE NUMBER: 333-79311
FILM NUMBER: 081218518
BUSINESS ADDRESS:
STREET 1: 50605 AMERIPRISE FINANCIAL CENTER
STREET 2: H27/5229
CITY: MINNEAPOLIS
STATE: MN
ZIP: 55474
BUSINESS PHONE: 6126784177
MAIL ADDRESS:
STREET 1: 50605 AMERIPRISE FINANCIAL CENTER
STREET 2: H27/5229
CITY: MINNEAPOLIS
STATE: MN
ZIP: 55474
FORMER COMPANY:
FORMER CONFORMED NAME: IDS LIFE VARIABLE ACCOUNT 10
DATE OF NAME CHANGE: 19950906
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: RIVERSOURCE VARIABLE ACCOUNT 10
CENTRAL INDEX KEY: 0001000191
IRS NUMBER: 000000000
STATE OF INCORPORATION: MN
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: 485APOS
SEC ACT: 1940 Act
SEC FILE NUMBER: 811-07355
FILM NUMBER: 081218519
BUSINESS ADDRESS:
STREET 1: 50605 AMERIPRISE FINANCIAL CENTER
STREET 2: H27/5229
CITY: MINNEAPOLIS
STATE: MN
ZIP: 55474
BUSINESS PHONE: 6126784177
MAIL ADDRESS:
STREET 1: 50605 AMERIPRISE FINANCIAL CENTER
STREET 2: H27/5229
CITY: MINNEAPOLIS
STATE: MN
ZIP: 55474
FORMER COMPANY:
FORMER CONFORMED NAME: IDS LIFE VARIABLE ACCOUNT 10
DATE OF NAME CHANGE: 19950906
0001000191
S000003522
RIVERSOURCE VARIABLE ACCOUNT 10
C000034183
RiverSource Retirement Advisor 4 Advantage VA/RiverSource Retirement Advisor 4 Select VA/RiverSource Retirement Advisor 4 Access VA
485APOS
1
c47966e485apos.txt
POST-EFFECTIVE AMENDMENT NO. 51 TO FORM N-4
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-4
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
Pre-Effective Amendment No. ___________ [ ]
Post-Effective Amendment No. 51 (File No. 333-79311) [X]
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
Amendment No. 52 (File No. 811-07355) [X]
(Check appropriate box or boxes)
RIVERSOURCE VARIABLE ACCOUNT 10
(previously IDS LIFE VARIABLE ACCOUNT 10)
(Exact Name of Registrant)
RiverSource Life Insurance Company
(previously IDS Life Insurance Company)
(Name of Depositor)
70100 Ameriprise Financial Center, Minneapolis, MN 55474
(Address of Depositor's Principal Executive Offices) (Zip Code)
Depositor's Telephone Number, including Area Code (612) 671-2237
Rodney J. Vessels 50605 Ameriprise Financial Center, Minneapolis, MN 55474
(Name and Address of Agent for Service)
It is proposed that this filing will become effective (check appropriate box)
[ ] immediately upon filing pursuant to paragraph (b) of Rule 485
[ ] on (date) pursuant to paragraph (b) of Rule 485
[ ] 60 days after filing pursuant to paragraph (a)(1) of Rule 485
[X] on Jan.9, 2009 pursuant to paragraph (a)(1) of Rule 485
If appropriate, check the following box:
[ ] this post-effective amendment designates a new effective date for a
previously filed post-effective amendment.
The purpose of this Post-Effective Amendment No.51 is to supplement the
prospectus for RiverSource Retirement Advisor 4 Advantage Variable Annuity,
RiverSource Retirement Advisor 4 Select Variable Annuity and RiverSource
Retirement Advisor 4 Access Variable Annuity.
The supplement filed electronically herewith is not intended to supersede the
prospectuses for: RiverSource Retirement Advisor Variable Annuity, RiverSource
Retirement Advisor Variable Annuity - Band 3, RiverSource Retirement Advisor
Advantage Variable Annuity, RiverSource Retirement Advisor Select Variable
Annuity, RiverSource Retirement Advisor Advantage Variable Annuity - Band 3,
RiverSource Retirement Advisor Advantage Plus Variable Annuity, RiverSource
Retirement Advisor Select Plus Variable Annuity, RiverSource Retirement Advisor
4 Advantage Variable Annuity,RiverSource Retirement Advisor 4 Select Variable
Annuity and RiverSource Retirement Advisor 4 Access Variable Annuity and
Statement of Additional Information filed with Post-Effective Amendment No. 49
to Registration Statement No. 333-79311, filed on or about April 24, 2008.
The prospectus for: RiverSource Retirement Advisor 4 Advantage Variable Annuity,
RiverSource Retirement Advisor 4 Select Variable Annuity and RiverSource
Retirement Advisor 4 Access Variable Annuity filed electronically with
Post-Effective Amendment No. 49 to Registration Statement No. 333-79311 filed on
or about April 24, 2008 is incorporated by reference into Part A of
Post-Effective Amendment No. 51 to this Registration Statement.
The Combined Statement of Additional Information and Financial Statements filed
electronically with Post-Effective Amendment No. 49 to Registration Statement
No. 333-79311 on or about April 24, 2008 is incorporated by reference into Part
B of Post-Effective No. 51 to this Registration Statement.
PART A.
The prospectus for: RiverSource Retirement Advisor 4 Advantage Variable Annuity,
RiverSource Retirement Advisor 4 Select Variable Annuity and RiverSource
Retirement Advisor 4 Access Variable Annuity filed electronically with
Post-Effective Amendment No. 49 to Registration Statement No. 333-79311 filed on
or about April 24, 2008 is incorporated by reference to this Post-Effective
Amendment No. 51.
PROSPECTUS SUPPLEMENT DATED JAN. 26, 2009*
PRODUCT NAME PRODUCT FORM #
----------------------------------- ---------------------------------
RIVERSOURCE RETIREMENT ADVISOR 4 S-6503 F (5/08)
ADVANTAGE(R) VARIABLE ANNUITY/
RIVERSOURCE RETIREMENT ADVISOR 4
SELECT(R) VARIABLE ANNUITY/
RIVERSOURCE RETIREMENT ADVISOR 4
ACCESS(R) VARIABLE ANNUITY
THE INFORMATION IN THIS SUPPLEMENT IS EFFECTIVE ON JAN. 26, 2009.
This information in this supplement updates and amends certain information
contained in your current variable annuity product prospectus. Please read it
carefully and keep it with your variable annuity contract product prospectus.
COMMENCING WITH CONTRACTS PURCHASED ON OR AFTER JAN. 26, 2009, THE FOLLOWING
CHANGES TO THE PROSPECTUS APPLY:
I. THE FOLLOWING PARAGRAPHS REPLACE THEIR CORRESPONDING PARAGRAPHS UNDER THE
"EXPENSE SUMMARY - OPTIONAL RIDER FEES" SECTION OF THE PROSPECTUS:
ACCUMULATION BENEFIT RIDER FEE* MAXIMUM: 2.50% CURRENT: 0.80%
(Charged annually at the contract anniversary as a percentage of contract value
or the minimum contract accumulation value, whichever is greater. This fee
applies only if you select the optional rider.)
* For contracts purchased prior to Jan. 26, 2009, the current charge is
0.60%.
SECURESOURCE - SINGLE LIFE RIDER FEE* MAXIMUM: 2.00% CURRENT: 0.90%
SECURESOURCE - JOINT LIFE RIDER FEE* MAXIMUM: 2.50% CURRENT: 1.15%
(Charged annually on the contract anniversary as a percentage of the contract
value or the total Remaining Benefit Amount, whichever is greater.)
* For contracts purchased prior to Jan. 26, 2009, following charges apply:
- the current charge for Single Life rider is 0.65% and for Joint Life rider
is 0.85%, and
- the maximum charge for Single Life rider is 1.50% and for Joint Life rider
is 1.75%.
THIS SUPPLEMENT SHOULD BE RETAINED WITH THE CURRENT PROSPECTUS FOR YOUR PRODUCT.
S-6503-14 (11/08)
*Destroy date: May 1, 2009
THE FOLLOWING SENTENCE REPLACES ITS CORRESPONDING SENTENCE UNDER THE "OPTIONAL
LIVING BENEFIT CHARGES - ACCUMULATION BENEFIT RIDER FEE" SECTION OF THE
PROSPECTUS:
If selected, we deduct an annual fee* of 0.80% of the greater of your contract
value or the minimum contract accumulation value on your contract anniversary.
* For contracts purchased prior to Jan. 26, 2009, the current charge is
0.60%.
THE FOLLOWING SENTENCE REPLACES ITS CORRESPONDING SENTENCE UNDER THE "OPTIONAL
LIVING BENEFIT CHARGES - SECURESOURCE RIDER FEE" SECTION OF THE PROSPECTUS:
We charge an annual fee based on the greater of the contract anniversary value
or the total Remaining Benefit Amount (RBA) for this optional feature if you
select it as follows*:
- Secure Source - Single Life rider, 0.90%;
- SecureSource - Joint Life rider, 1.15%.
* For contracts purchased prior to Jan. 26, 2009, the current charge for
Single Life rider is 0.65% and for Joint Life rider is 0.85%.
II. THE FOLLOWING PARAGRAPH REPLACES ITS CORRESPONDING PARAGRAPH UNDER THE
"PORTFOLIO NAVIGATOR ASSET ALLOCATION PROGRAM - PN PROGRAM UNDER THE
ACCUMULATION BENEFIT RIDER":
- ACCUMULATION BENEFIT RIDER: You cannot terminate the Accumulation Benefit
rider. As long as the Accumulation Protector rider is in effect, your
contract value must be invested in one of the model portfolios. For
contracts purchased on or after January 26, 2009, you can not select the
Aggressive model portfolio as your model portfolio, or transfer to the
Aggressive model portfolio while the rider is in effect. The Accumulation
Benefit rider automatically ends at the end of the waiting period as does
the requirement that you participate in the PN program. At all other times,
if you do not want to participate in any of the model portfolios, you must
terminate your contract by requesting a full surrender. Surrender charges
and tax penalties may apply. THEREFORE, YOU SHOULD NOT SELECT THE
ACCUMULATION BENEFIT RIDER IF YOU DO NOT INTEND TO CONTINUE PARTICIPATING
IN THE PN PROGRAM (AS IT NOW EXISTS OR AS WE MAY MODIFY IT IN THE FUTURE)
UNTIL THE END OF THE WAITING PERIOD.
THIS SUPPLEMENT SHOULD BE RETAINED WITH THE CURRENT PROSPECTUS FOR YOUR PRODUCT.
S-6503-14 (11/08)
*Destroy date: May 1, 2009
PART B.
The Combined Statement of Additional Information and Financial Statements filed
electronically with Post-Effective Amendment No. 49 to Registration Statement
No. 333-79311 on or about April 24, 2008 is incorporated by reference to this
Post-Effective No. 51.
PART C.
Item 24. Financial Statements and Exhibits
(a) Financial statements included in Part B of this Registration Statement:
The audited financial statements of the RiverSource Variable Account 10
including:
Report of Independent Registered Public Accounting Firm dated April 24,
2008.
Statements of Assets and Liabilities for the year ended Dec. 31, 2007.
Statements of Operations for the year ended Dec. 31, 2007.
Statements of Changes and Net Assets for the years ended Dec. 31, 2007 and
2006.
Notes to Financial Statements.
The audited financial statements of the RiverSource Life Insurance Company
including:
Report of Independent Registered Public Accounting Firm dated April 24,
2008.
Consolidated Balance Sheets as of Dec. 31, 2007 and 2006.
Consolidated Statements of Income for the years ended Dec. 31, 2007, 2006
and 2005.
Consolidated Statements of Cash Flows for the years ended Dec. 31, 2007,
2006 and 2005.
Consolidated Statements of Stockholder's Equity for the three years ended
Dec. 31, 2007, 2006 and 2005.
Notes to Consolidated Financial Statements.
(b) Exhibits:
1.1 Resolution of the Board of Directors of IDS Life Insurance Company
establishing the IDS Life Variable Account 10 dated August 23, 1995, filed
electronically as Exhibit 1 to Registrant's Initial Registration Statement
No. 33-62407 is incorporated herein by reference.
1.2 Resolution of the Board of Directors of IDS Life Insurance Company
establishing 105 additional subaccounts within the separate account, filed
electronically as Exhibit 1.2 to Pre-Effective Amendment No. 1 to
Registration Statement No. 333-79311 filed on or about Aug. 10, 1999, is
incorporated herein by reference.
1.3 Resolution of the Board of Directors of IDS life Insurance Company
establishing 25 additional subaccounts within the separate account, filed
electronically as Exhibit 1.3 to Registrant's Post-Effective Amendment No.
2 to Registration Statement No. 333-79311, is incorporated herein by
reference.
1.4 Resolution of the Board of Directors of IDS Life Insurance Company
establishing 12 additional subaccounts within the separate account, filed
electronically as Exhibit 1.3 to Registrant's Post-Effective Amendment No.
3 to Registration Statement No. 333-79311, is incorporated herein by
reference.
1.5 Resolution of the Board of Directors of IDS Life Insurance Company
establishing 69 additional subaccounts within the separate account, filed
electronically as Exhibit 1.5 to Registrant's Post-Effective Amendment No.
6 to Registration Statement No. 333-79311, is incorporated herein by
reference.
1.6 Resolution of the Board of Directors of IDS Life Insurance Company
establishing 112 additional subaccounts within the separate account, dated
Feb. 11, 2002, filed electronically as Exhibit 1.6 to Registrant's
Post-Effective Amendment No. 8 to Registration Statement No. 333-79311, is
incorporated herein by reference.
1.7 Resolution of the Board of Directors of IDS Life Insurance Company
establishing 3 additional subaccounts within the separate account, dated
Feb. 28, 2002, filed electronically as Exhibit 1.7 to Registrant's
Post-Effective Amendment No. 10 to Registration Statement No. 333-79311, is
incorporated herein by reference.
1.8 Resolution of the Board of Directors of IDS Life Insurance Company
establishing 8 additional subaccounts within the separate account, dated
January 6, 2004, filed electronically as Exhibit 1.8 to Registrant's
Post-Effective Amendment No. 21 to Registration Statement No. 333-79311,
filed on or about Jan. 23, 2004, is incorporated by reference.
1.9 Resolution of the Board of Directors of IDS Life Insurance Company
establishing 6 additional subaccounts within the separate account, dated
August 12, 2004 filed electronically as Exhibit 1.9 to Post-Effective
Amendment No. 32 to Registration Statement No. 333-79311 is incorporated by
reference.
1.10 Resolution of the Board of Directors of IDS Life Insurance Company
establishing an additional subaccount within the separate account, dated
April 27, 2005 filed electronically as Exhibit 1.10 to Post-Effective
Amendment No. 32 to Registration Statement No. 333-79311 is incorporated by
reference.
1.11 Resolution of the Board of Directors establishing 18 additional subaccounts
within the separate accounts dated April 12, 2006 filed electronically as
Exhibit 1.11 to Registrant's Post-Effective Amendment No. 39 to
Registration Statement No. 333-79311 is incorporated by reference.
1.12 Unanimous Written Consent of the Board of Directors In Lieu of a Meeting
for IDS Life Insurance Company, adopted December 8, 2006 for the
Re-designation of the Separate Accounts to Reflect Entity Consolidation and
Rebranding filed electronically as Exhibit 27(a)(6) to Post-Effective
Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by
reference.
2. Not applicable.
3. Form of Principal Underwriter Agreement for RiverSource Life Insurance
Company Variable Annuities and Variable Life Insurance filed electronically
as Exhibit 3.1 to the Initial Registration Statement on Form N-4 for
RiverSource Variable Annuity Account (previously American Enterprise
Variable Annuity Account), RiverSource Signature(SM) Select Variable
Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2,
2007, is incorporated by reference.
4.1 Form of Deferred Annuity Contract for non-qualified contracts (form 31043)
filed electronically as Exhibit 4.1 to Registrant's Initial Registration
Statement No. 333-79311, filed on or about May 26, 1999, is incorporated
herein by reference.
4.2 Form of Deferred Annuity Contract for tax qualified contracts (form 31044)
filed electronically as Exhibit 4.2 to Registrant's Initial Registration
Statement No. 333-79311, filed on or about May 26, 1999, is incorporated
herein by reference.
4.3 Form of Deferred Annuity Contract for IRA contracts (form 31045-IRA) filed
electronically as Exhibit 4.3 to Registrant's Initial Registration
Statement No. 333-79311, filed on or about May 26, 1999, is incorporated
herein by reference.
4.4 Form of Deferred Annuity Contract for non-qualified contracts (form 31046)
filed electronically as Exhibit 4.4 to Registrant's Initial Registration
Statement No. 333-79311, filed on or about May 26, 1999, is incorporated
herein by reference.
4.5 Form of Deferred Annuity Contract for tax qualified contracts (form 31047)
filed electronically as Exhibit 4.5 to Registrant's Initial Registration
Statement No. 333-79311, filed on or about May 26, 1999, is incorporated
herein by reference.
4.6 Form of Deferred Annuity Contract for IRA contracts (form 31048-IRA) filed
electronically as Exhibit 4.6 to Registrant's Initial Registration
Statement No. 333-79311, filed on or about May 26, 1999, is incorporated
herein by reference.
4.7 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.
4.8 Form of Maximum Anniversary Value Death Benefit Rider, filed electronically
as Exhibit 4.8 to Post-Effective Amendment No. 4 to Registration Statement
No. 333-79311, is incorporated herein by reference.
4.9 Form of Enhanced Earnings Death Benefit Rider, filed electronically as
Exhibit 4.9 to Post-Effective Amendment No. 4 to Registration Statement No.
333-79311, is incorporated herein by reference.
4.10 Form of Enhanced Earnings Plus Death Benefit Rider, filed electronically as
Exhibit 4.10 to Post-Effective Amendment No. 4 to Registration Statement
No. 333-79311, is incorporated herein by reference.
4.11 Form of Traditional IRA or SEP-IRA Annuity Endorsement (form 131061) filed
electronically as Exhibit 4.11 to Post-Effective Amendment No. 14 to
Registration Statement No. 333-79311, is incorporated herein by reference.
4.12 Form of Roth IRA Annuity Endorsement (form 131062) filed electronically as
Exhibit 4.12 to Post-Effective Amendment No. 14 to Registration Statement
No. 333-79311, is incorporated herein by reference.
4.13 Form of SIMPLE IRA Annuity Endorsement (form 131063) filed electronically
as Exhibit 4.13 to Post-Effective Amendment No. 14 to Registration
Statement No. 333-79311, is incorporated herein by reference.
4.14 Form of Deferred Annuity Contract for non-qualified contracts (form 131041)
filed electronically as Exhibit 4.14 to Post-Effective Amendment No. 14 to
Registration Statement No. 333-79311, is incorporated herein by reference.
4.15 Form of Deferred Annuity Contract for Retirement Advisor Advantage Plus
(form 1043 A) filed electronically as Exhibit 4.15 to Post-Effective
Amendment No. 21 to Registration Statement No. 333-79311, filed on or about
Jan. 23, 2004, is incorporated by reference.
4.16 Form of Deferred Annuity Contract for Retirement Advisor Select Plus (form
131041 A) filed electronically as Exhibit 4.16 to Post-Effective Amendment
No. 21 to Registration Statement No. 333-79311, filed on or about Jan. 23,
2004, is incorporated by reference.
4.17 Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4
Advantage Variable Annuity (form 131101), filed electronically as Exhibit
4.17 to Post-Effective Amendment No. 40 to Registration Statement No.
333-79311, filed on or about June 5, 2006, is incorporated by reference.
4.18 Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4
Select Variable Annuity (form 131102), filed electronically as Exhibit 4.18
to Post-Effective Amendment No. 40 to Registration Statement No. 333-79311,
filed on or about June 5, 2006, is incorporated by reference.
4.19 Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4
Access Variable Annuity (form 131103), filed electronically as Exhibit 4.19
to Post-Effective Amendment No. 40 to Registration Statement No. 333-79311,
filed on or about June 5, 2006, is incorporated by reference.
4.20 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.
4.21 Form of Return of Purchase Payments Rider (form 131072), filed
electronically as Exhibit 4.18 to Post-Effective Amendment No. 21 to
Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is
incorporated by reference.
4.22 Form of Maximum Anniversary Value Death Benefit Rider (form 131031), filed
electronically as Exhibit 4.19 to Post-Effective Amendment No. 21 to
Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is
incorporated by reference.
4.23 Form of 5-Year Maximum Anniversary Value Death Benefit Rider (form 131071),
filed electronically as Exhibit 4.20 to Post-Effective Amendment No. 21 to
Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is
incorporated by reference.
4.24 Form of Enhanced Earnings Death Benefit Rider (form 131032 A), filed
electronically as Exhibit 4.21 to Post-Effective Amendment No. 21 to
Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is
incorporated by reference.
4.25 Form of Enhanced Earnings Plus Death Benefit Rider (form 131033 A), filed
electronically as Exhibit 4.22 to Post-Effective Amendment No. 21 to
Registration Statement No. 333-79311, filed on or about Jan. 23, 2004, is
incorporated by reference.
4.26 Form of 401 (a) Annuity Endorsement (form 131069), filed electronically as
Exhibit 4.23 to Post-Effective Amendment No. 21 to Registration Statement
No. 333-79311, filed on or about Jan. 23, 2004, is incorporated by
reference.
4.27 Form of Guarantee Period Accounts Rider filed electronically as Exhibit
4.24 to Post-Effective Amendment No. 25 to Registration Statement No.
333-79311, filed on or about June 2, 2004, is incorporated by reference.
4.28 Form of Guaranteed Minimum Withdrawal Benefit Rider (form 131034) filed
electronically as Exhibit 4.25 to Post-Effective Amendment No. 29 to
Registration Statement No. 333-79311, filed on or about Oct. 21, 2004, is
incorporated by reference.
4.29 Form of Guaranteed Minimum Accumulation Benefit Rider (GMAB) (form 131035)
filed electronically as Exhibit 4.29 to Registrant's Post-Effective
Amendment No. 39 to Registration Statement No. 333-79311 is incorporated by
reference.
4.30 Form of Portfolio Navigator Model Portfolio Rider (form 131070C) filed
electronically as Exhibit 4.30 to Registrant's Post-Effective Amendment No.
39 to Registration Statement No. 333-79311 is incorporated by reference.
4.31 Form of Guaranteed Minimum Lifetime Withdrawal Benefit Rider (Withdrawal
Benefit for Life), filed electronically as Exhibit 4.31 to Post-Effective
Amendment No. 40 to Registration Statement No. 333-79311, filed on or about
June 5, 2006, is incorporated by reference.
4.32 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.
4.33 Form of SecureSource Joint Life rider filed electronically as Exhibit 4.33
to Registrant's Post-Effective Amendment No. 44 to Registration Statement
No. 333-79311 is incorporated herein by reference.
4.34 Form of SecureSource Single Life rider filed electronically as Exhibit 4.34
to Registrant's Post-Effective Amendment No. 44 to Registration Statement
No. 333-79311 is incorporated herein by reference.
4.35 Form of Guaranteed Minimum Withdrawal Benefit Rider (form 131034-E) filed
electronically as Exhibit 4.35 to Registrant's Post-Effective Amendment No.
47 to Registration Statement No. 333-79311 is incorporated herein by
reference.
5. 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.
6.1 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.
6.2 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. 22 to Registration Statement No.
333-44644 is incorporated by reference.
6.3 Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company
filed electronically as Exhibit 27(f)(2) to Post-Effective Amendment No. 22
to Registration Statement No. 333-44644 is incorporated by reference.
7. Not applicable.
8.1 Copy of Amended and Restated Participation Agreement dated April 17, 2006,
by and among AIM Variable Insurance Funds, AIM Distributors, Inc. American
Enterprise Life Insurance Company, American Partners Life Insurance
Company, IDS Life Insurance Company, and Ameriprise Financial Services,
Inc. filed electronically as Exhibit 27(h) (1) to Post-Effective Amendment
No. 28 to Registration Statement No. 333-69777 is incorporated herein by
reference.
8.2 Copy of Amended and Restated Participation Agreement dated August 1, 2006,
among American Enterprise Life Insurance Company, IDS Life Insurance
Company, Ameriprise Financial Services, Inc., AllianceBernstein L.P. and
AllianceBernstein Investments, Inc. filed electronically as Exhibit 27(h)
(20) to Post-Effective Amendment No. 28 to Registration Statement No.
333-69777is incorporated herein by reference.
8.3 Copy of Amended and Restated Fund Participation Agreement dated June 1,
2006, by and among American Centurion Life Assurance Company, American
Enterprise Life Insurance Company, American Partners Life Insurance
Company, IDS Life Insurance Company, IDS Life Insurance Company of New
York, Ameriprise Financial Services, Inc. and American Century Investment
Services, Inc. filed electronically as Exhibit 27(h)(3) to Post-Effective
Amendment No. 22 to Registration Statement No. 333-44644 is incorporated
herein by reference.
8.4 Copy of Amended and Restated Participation Agreement dated June 19, 2006,
by and among Calvert Variable Series, Inc., Calvert Asset Management
Company, Inc., Calvert Distributors, Inc. and IDS Life Insurance Company
filed electronically as Exhibit 27(h)(4) to Post-Effective Amendment No. 28
to Registration Statement No. 333-69777 is incorporated herein by
reference.
8.5 Copy of Fund Participation Agreement dated May 1, 2006 among American
Enterprise Life Insurance Company, IDS Life Insurance Company, Columbia
Funds Variable Insurance Trust I, Columbia Management Advisors, LLC and
Columbia Management Distributors, Inc. filed electronically as Exhibit
27(h) (22) to Post-Effective Amendment No. 28 to Registration Statement No.
333-69777 is incorporated herein by reference.
8.6 Copy of Amended and Restated Participation Agreement dated May 1, 2006, by
and among American Enterprise Life Insurance Company, American Partners
Life Insurance Company, IDS Life Insurance Company, Credit Suisse Trust,
Credit Suisse Asset Management, LLC. and Credit Suisse Asset Management
Securities, Inc. filed electronically as Exhibit 8.6 to Post-Effective
Amendment No. 41 to Registration Statement No. 333-79311 is incorporated
herein by reference.
8.7 Copy of Fund Participation Agreement dated May 1, 2006, by and among
American Enterprise Life Insurance Company, IDS Life Insurance Company, The
Dreyfus Corporation, Dreyfus Variable Investment Fund, and Dreyfus
Investment Portfolios filed electronically as Exhibit 8.7 to Post-Effective
Amendment No. 41 to Registration Statement No. 333-79311 is incorporated
herein by reference.
8.8 Copy of Participation Agreement dated May 1, 2006, among Eaton Vance
Variable Trust, Eaton Vance Distributors, Inc. and IDS Life Insurance
Company filed electronically as Exhibit 8.8 to Post-Effective Amendment No.
41 to Registration Statement No. 333-79311 is incorporated herein by
reference.
8.9 Copy of Evergreen Variable Annuity Trust Amended and Restated Participation
Agreement dated June 1, 2006, by and among American Enterprise Life
Insurance Company, IDS Life Insurance Company and Evergreen Variable
Annuity Trust filed electronically as Exhibit 27(h) (6) to Post-Effective
Amendment No. 28 to Registration Statement No. 333-69777 is incorporated
herein by reference.
8.10 Copy of Amended and Restated Fund Participation Agreement dated January 1,
2007,among Variable Insurance Products Funds, Fidelity Distributors
Corporation and RiverSource Life Insurance Co. of New York filed
electronically as Exhibit 8.16 to RiverSource of New York Variable Annuity
Account 2's Post-Effective Amendment No. 3 to Registration Statement No.
333-139764 on or about April 24, 2008 is incorporated by reference herein.
8.11 Copy of Amended and Restated Participation Agreement by and between
Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton
Distributors, Inc., American Centurion Life Assurance Company, American
Enterprise Life Insurance Company, IDS Life Insurance Company, IDS Life
Insurance Company of New York, Ameriprise Financial Services, Inc.
(formerly American Express Financial Advisors Inc.), dated August 1, 2005
filed electronically as Exhibit 8.7 to Registrant's Post-Effective
Amendment No. 39 to Registration Statement No. 333-79311 is incorporated by
reference.
8.12 Copy of Amended and Restated Participation Agreement dated June 9, 2006, by
and among American Enterprise Life Insurance Company, IDS Life Insurance
Company, Goldman Sachs Variable Insurance Trust and Goldman, Sachs & Co.
filed electronically as Exhibit 27(h)(24) to Post Effective Amendment No.28
to Registration Statement No. 333-69777 is incorporated herein by
reference.
8.13 Copy of Janus Aspen Series Amended and Restated Fund Participation
Agreement dated September 1, 2006, by and among American Enterprise Life
Insurance Company, American Partners Life Insurance Company, IDS Life
Insurance Company and Janus Aspen Series filed electronically as Exhibit
27(h)(12) to Post-Effective Amendment No. 28 to Registration Statement No.
333-69777 is incorporated herein by reference.
8.14 Copy of Amended and Restated Participation Agreement by and among IDS Life
Insurance Company, American Enterprise Life Insurance Company, Ameriprise
Financial Services, Inc., Lazard Asset Management Securities LLC, and
Lazard Retirement Series, Inc., dated Oct. 16, 2006, filed electronically
as Exhibit 8.14 to Post-Effective Amendment No. 42 to Registration
Statement No. 333-79311 is incorporated by reference.
8.15 Copy of Fund Participation Agreement dated Jan. 1, 2007, by and among
RiverSource Life Insurance Company, RiverSource Distributors, Inc. and
Lazard Asset Management Securities LLC and Lazard Retirement Series, Inc.
filed electronically as Exhibit 8.15 to Post-Effective Amendment No. 42 to
Registration Statement No. 333-79311 is incorporated by reference.
8.16 Copy of Amended and Restated Participation Agreement dated September 1,
2006, by and among IDS Life Insurance Company, Legg Mason Partners Variable
Portfolios I, Inc. (formerly Salomon Brothers Variable Series Fund, Inc.),
Legg Mason Partners Variable Portfolios II, Inc. (formerly Greenwich Street
Series Fund, formerly Smith Barney Series Fund, formerly Smith Barney
Shearson Series Fund, formerly Shearson Series Fund), Legg Mason Partners
Variable Portfolios III, Inc. (formerly Travelers Series Fund Inc.,
formerly Smith Barney Travelers Series Fund Inc.) and Legg Mason Investor
Services, LLC filed electronically as Exhibit 8.15 to Post-Effective
Amendment No. 41 to Registration Statement No. 333-79311 is incorporated
herein by reference.
8.17 Copy of Participation Agreement Among MFS Variable Insurance Trust,
American Enterprise Life Insurance Company, IDS Life Insurance Company and
Massachusetts Financial Services Company, dated June 9, 2006, filed
electronically as Exhibit 8.17 to Post-Effective Amendment No. 42 to
Registration Statement No. 333-79311 is incorporated by reference.
8.18 Copy of Fund Participation Agreement dated March 2, 2006, by and between
Neuberger Berman Advisers Management Trust, Neuberger Berman Management,
Inc. and IDS Life Insurance Company filed electronically as Exhibit 8.17 to
Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is
incorporated herein by reference.
8.19 Copy of Amended and Restated Fund Participation Agreement dated March 30,
2007, among Oppenheimer Variable Account funds, Oppenheimer Funds, Inc. and
RiverSource Life Insurance Company filed electronically as Exhibit 8.4 to
RiverSource Variable Annuity Account Post-Effective Amendment No. 2 to
Registration Statement No. 333-139760 on or about April 24, 2008 is
incorporated by reference herein.
8.20 Copy of Participation Agreement dated March 1, 2006, among IDS Life
Insurance Company, PIMCO Variable Insurance Trust and Allianz Global
Investors Distributors LLC filed electronically as Exhibit 8.19 to
Post-Effective Amendment No. 41 to Registration Statement No. 333-79311 is
incorporated herein by reference.
8.21 Copy of Amended and Restated Fund Participation Agreement dated September
1, 2006, among Pioneer Variable Contracts Trust, IDS Life Insurance
Company, Pioneer Investment Management, Inc., and Pioneer Funds
Distributor, Inc. filed electronically as Exhibit 27(h)(15) to
Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is
incorporated herein by reference.
8.22 Copy of Amended and Restated Fund Participation Agreement dated Jan. 1,
2007, among Riversource Life Insurance Company, Putnam Variable Trust and
Putnam Retail Management Limited Partnership filed electronically as
Exhibit 8.2 to RiverSource Variable Annuity Account's Post-Effective
Amendment No. 2 to Registration Statement No. 333-139760 on or about April
24, 2008 is incorporated by reference herein.
8.23 Copy of Participation Agreement dated January 1, 2007, by and among
RiverSource Life Insurance Company, RiverSource Life Insurance Co. of New
York and RiverSource Distributors, Inc. filed electronically as Exhibit
8.23 to Post-Effective Amendment No. 42 to Registration Statement No.
333-79311 is incorporated herein by reference.
8.24 Copy of Participation Agreement by and among Royce Capital Fund and Royce &
Associates, Inc. and RiverSource Life Insurance Company, dated Jan. 1,
2007, filed electronically as Exhibit 8.24 to Post-Effective Amendment No.
42 to Registration Statement No. 333-79311 is incorporated by reference.
8.25 Copy of Amended and Restated Participation Agreement dated May 1, 2006,
among The Universal Institutional Funds, Inc., Morgan Stanley Investment
Management Inc., Morgan Stanley Distribution, Inc., American Enterprise
Life Insurance Company and IDS Life Insurance Company filed electronically
as Exhibit 8.24 to Post-Effective Amendment No. 41 to Registration
Statement No. 333-79311 is incorporated herein by reference.
8.26 Copy of Amended and Restated Participation Agreement dated October 12,
2006, by and among Third Avenue Variable Series Trust, Third Avenue
Management LLC, American Enterprise Life Insurance Company and IDS Life
Insurance Company filed electronically as Exhibit 27(h)(18) to
Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is
incorporated herein by reference.
8.27 Copy of Amended and Restated Participation Agreement dated May 1, 2006,
among Van Kampen Life Investment Trust, Van Kampen Funds Inc., Van Kampen
Asset Management, American Enterprise Life Insurance Company and IDS Life
Insurance Company filed electronically as Exhibit 8.26 to Post-Effective
Amendment No. 41 to Registration Statement No. 333-79311 is incorporated
herein by reference.
8.28 Copy of Fund Participation Agreement dated April 2, 2007, RiverSource Life
Insurance Company, Wanger Advisors Trust, Columbia Wanger Asset Management,
L.P. and Columbia Management Distributors, Inc. filed electronically as
Exhibit 8.11 to RiverSource Variable Annuity Account Post-Effective
Amendment No. 2 to Registration Statement No. 333-139760 on or about April
24, 2008 is incorporated by reference herein.
8.29 Copy of Participation Agreement by and among Wells Fargo Variable Trust and
RiverSource Life Insurance Company and Wells Fargo Funds Distributors, LLC
dated Jan. 1, 2007, filed electronically as Exhibit 8.29 to Post-Effective
Amendment No. 42 to Registration Statement No. 333-79311 is incorporated by
reference.
9. Opinion of counsel and consent to its use as the legality of the securities
being registered is filed electronically herewith.
10. Consent of Independent Registered Public Accounting Firm for RiverSource
Retirement Advisor 4 Advantage Variable Annuity/ RiverSource Retirement
Advisor 4 Select Variable Annuity/RiverSource Retirement Advisor 4 Access
Variable Annuity will be filed by amendment.
11. None
12. Not applicable.
13. Power of Attorney dated Oct. 22, 2008 is filed electronically herewith.
14. Not applicable.
Item 25.
Item 25. Directors and Officers of the Depositor RiverSource Life Insurance
Company
Position and Offices
Name Principal Business Address* With Depositor
---- --------------------------- ----------------------------
Gumer C. Alvero Director and Executive
Vice President - Annuities
Timothy V. Bechtold Director and President
Kent M. Bergene Vice President - Affiliated
Investments
Walter S. Berman Vice President and Treasurer
Richard N. Bush Senior Vice President -
Corporate Tax
Pat H. Carey Vice President-Fund Relations
Charles R. Caswell Reinsurance Officer
Jim Hamalainen Vice President - Investments
Michelle M. Keeley Vice President - Investments
Timothy J. Masek Vice President - Investments
Brian J. McGrane Director, Executive Vice
President and Chief Financial
Officer
Thomas W. Murphy Vice President - Investments
Kevin E. Palmer Director, Vice President and
Chief Actuary
Bridget M. Sperl Director, Executive Vice
President - Client Service
David K. Stewart Vice President and Controller
* The business address is 70100 Amerprise Financial Center, Minneapolis, MN
55474.
Item 26.
Item 26. Persons Controlled by or Under Common Control with the Depositor or
Registrant
The following list includes the names of major subsidiaries of Ameriprise
Financial, Inc.
Jurisdiction of
Name of Subsidiary Incorporation
------------------ ---------------
Advisory Capital Strategies Group Inc. Minnesota
AEXP Affordable Housing LLC Delaware
American Enterprise Investment Services Inc. Minnesota
American Express Property Casualty Insurance Agency of Kentucky,Inc. Kentucky
American Express Property Casualty Insurance Agency of Maryland,Inc. Maryland
American Express Property Casualty Insurance Agency of Mississippi,Inc. Mississippi
American Express Property Casualty Insurance Agency of Pennsylvania,Inc. Pennsylvania
Ameriprise Auto & Home Insurance Agency, Inc. Wisconsin
Ameriprise Bank, FSB USA
Ameriprise Capitive Insurance Company Vermont
Ameriprise Capital Trust I Delaware
Ameriprise Capital Trust II Delaware
Ameriprise Capital Trust III Delaware
Ameriprise Capital Trust IV Delaware
Ameriprise Certificate Company Delaware
Ameriprise Financial Services,Inc. Delaware
Ameriprise India Private Ltd. India
Ameriprise Insurance Company Wisconsin
Ameriprise Trust Company Minnesota
Boston Equity General Partner LLC Delaware
IDS Capital Holdings Inc. Minnesota
IDS Futures Corporation Minnesota
IDS Management Corporation Minnesota
IDS Property Casualty Insurance Company Wisconsin
IDS REO 1, LLC Minnesota
IDS REO 2, LLC Minnesota
Investors Syndicate Development Corporation Nevada
Kenwood Capital Management LLC (47.7% owned) Delaware
Realty Assets, Inc. Nebraska
RiverSource CDO Seed Investments, LLC Minnesota
RiverSource Distributors,Inc. Delaware
RiverSource Investments,LLC Minnesota
RiverSource Life Insurance Company Minnesota
RiverSource Life Insurance Co. of New York New York
RiverSource Service Corporation Minnesota
RiverSource Tax Advantaged Investments, Inc. Delaware
Securities America Advisors,Inc. Nebraska
Securities America Financial Corporation Nebraska
Securities America, Inc. Nebraska
Threadneedle Asset Management Holdings Ltd. England
Item 27. Number of Contract owners
As of Sept. 30, 2008 there were 181,440 non-qualified contract owners
and 367,138 qualified contract owners.
Item 28. Indemnification
The amended and restated By-Laws of the depositor provide that the depositor
will indemnify, to the fullest extent now or hereafter provided for or permitted
by law, each person involved in, or made or threatened to be made a party to,
any action, suit, claim or proceeding, whether civil or criminal, including any
investigative, administrative, legislative, or other proceeding, and including
any action by or in the right of the depositor or any other corporation, or any
partnership, joint venture, trust, employee benefit plan, or other enterprise
(any such entity, other than the depositor, being hereinafter referred to as an
"Enterprise"), and including appeals therein (any such action or process being
hereinafter referred to as a "Proceeding"), by reason of the fact that such
person, such person's testator or intestate (i) is or was a director or officer
of the depositor, or (ii) is or was serving, at the request of the depositor, as
a director, officer, or in any other capacity, or any other Enterprise, against
any and all judgments, amounts paid in settlement, and expenses, including
attorney's fees, actually and reasonably incurred as a result of or in
connection with any Proceeding, except as provided below.
No indemnification will be made to or on behalf of any such person if a judgment
or other final adjudication adverse to such person establishes that such
person's acts were committed in bad faith or were the result of active and
deliberate dishonesty and were material to the cause of action so adjudicated,
or that such person personally gained in fact a financial profit or other
advantage to which such person was not legally entitled. In addition, no
indemnification will be made with respect to any Proceeding initiated by any
such person against the depositor, or a director or officer of the depositor,
other than to enforce the terms of this indemnification provision, unless such
Proceeding was authorized by the Board of Directors of the depositor. Further,
no indemnification will be made with respect to any settlement or compromise of
any Proceeding unless and until the depositor has consented to such settlement
or compromise.
The depositor may, from time to time, with the approval of the Board of
Directors, and to the extent authorized, grant rights to indemnification, and to
the advancement of expenses, to any employee or agent of the depositor or to any
person serving at the request of the depositor as a director or officer, or in
any other capacity, of any other Enterprise, to the fullest extent of the
provisions with respect to the indemnification and advancement of expenses of
directors and officers of the depositor.
Insofar as indemnification for liability arising under the Securities Act of
1933 (the "Act") may be permitted to directors, officers and controlling persons
of the depositor or the registrant pursuant to the foregoing provisions, or
otherwise, the registrant has been advised that in the opinion of the Securities
and Exchange Commission such indemnification is against public policy as
expressed in the Act and is, therefore, unenforceable. In the event that a claim
for indemnification against such liabilities (other than the payment by the
registrant of expenses incurred or paid by a director, officer or controlling
person of the registrant in the successful defense of any action, suit or
proceeding) is asserted by such director, officer or controlling person in
connection with the securities being registered, the registrant will, unless in
the opinion of its counsel the matter has been settled by controlling precedent,
submit to a court of appropriate jurisdiction the question whether such
indemnification by it is against public policy as expressed in the Act and will
be governed by the final adjudication of such issue.
Item 29. Principal Underwriter RiverSource Distributors Inc.
ITEM 29. PRINCIPAL UNDERWRITERS.
(a) RiverSource Distributors Inc. acts as principal underwriter, depositor or
sponsor for:
RiverSource Variable Annuity Account ; RiverSource Account F; RiverSource
Variable Annuity Fund A, RiverSource Variable Annuity Fund B, RiverSource
Variable Account 10; RiverSource Account MGA; RiverSource MVA Account;
RiverSource Variable Life Separate Account; RiverSource Variable Life Account;
RiverSource Life Insurance Company; RiverSource of New York Variable Annuity
Account ; RiverSource of New York Account 8; RiverSource of New York Variable
Annuity Account; RiverSource Bond Series, Inc.; RiverSource California
Tax-Exempt Trust; RiverSource Dimensions Series, Inc.; RiverSource Diversified
Income Series, Inc.; RiverSource Equity Series, Inc.; RiverSource Global Series,
Inc.; RiverSource Government Income Series, Inc.; RiverSource High Yield Income
Series, Inc.; RiverSource Income Series, Inc.; RiverSource International
Managers Series, Inc.; RiverSource International Series, Inc.; RiverSource
Investment Series, Inc.; RiverSource Large Cap Series, Inc.; RiverSource
Managers Series, Inc.; RiverSource Market Advantage Series, Inc.; RiverSource
Money Market Series, Inc.; RiverSource Sector Series, Inc.; RiverSource Selected
Series, Inc.; RiverSource Series Trust; RiverSource Short Term Investments
Series, Inc.; RiverSource Special Tax-Exempt Series Trust; RiverSource Strategic
Allocation Series; Inc., RiverSource Strategy Series, Inc.; RiverSource
Tax-Exempt Income Series, Inc.; RiverSource Tax-Exempt Money Market Series,
Inc.; RiverSource Tax-Exempt Series, Inc.; RiverSource Variable Series Trust.
(b) As to each director, officer or partner of the principal underwriter:
Name and Principal Business Positions and Offices with
Address* Underwriter
--------------------------- ---------------------------------
Gumer C. Alvero Director and Vice President
Patrick T. Bannigan Director and Senior Vice
President-Asset Management,
Products and Marketing Group
Timothy V. Bechtold Director
Paul J. Dolan Chief Operating Officer and Chief
Administrative Officer
Jeffrey P. Fox Chief Financial Officer
Martin T. Griffin President-Outside Distribution
Jeffrey L. McGregor, Sr. President-Inside Distribution
Scott R. Plummer Chief Counsel
Julie A. Ruether Chief Compliance Officer
William F. "Ted" Truscott Chairman of the Board, CEO and
President
* Business address is: 70100 Ameriprise Financial Center, Minneapolis, MN
55474
(c) RiverSource Distributors Inc., the principal underwriter during
Registrant's last fiscal year, was paid the following commissions:
NAME OF NET UNDERWRITING
PRINCIPAL DISCOUNTS AND COMPENSATION ON BROKERAGE
UNDERWRITER COMMISSIONS REDEMPTION COMMISSIONS COMPENSATION
------------- ---------------- --------------- ----------- ------------
RiverSource
Distributors,Inc. $322,665,705 None None None
Item 30. Location of Accounts and Records
RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474
Item 31. Management Services
Not applicable.
Item 32. Undertakings
(a) Registrant undertakes to file a post-effective amendment to this
registration statement as frequently as is necessary to ensure that the
audited financial statements in the registration statement are never
more than 16 months old for so long as payments under the variable
annuity contracts may be accepted.
(b) Registrant undertakes to include either (1) as part of any application
to purchase a contract offered by the prospectus, a space that an
applicant can check to request a Statement of Additional Information,
or (2) a post card or similar written communication affixed to or
included in the prospectus that the applicant can remove to send for a
Statement of Additional Information.
(c) Registrant undertakes to deliver any Statement of Additional
Information and any financial statements required to be made available
under this Form promptly upon written or oral request.
(d) Registrant represents that it is relying upon the no-action assurance
given to the American Council of Life Insurance (pub. avail. Nov. 28,
1988). Further, Registrant represents that it has complied with the
provisions of paragraphs (1)-(4) of that no-action letter.
(e) The sponsoring insurance company represents that the fees and charges
deducted under the contract, in the aggregate, are reasonable in
relation to the services rendered, the expenses expected to be
incurred, and the risks assumed by the insurance company.
SIGNATURES
As required by the Securities Act of 1933 and the Investment Company Act of
1940, RiverSource Life Insurance Company, on behalf of the Registrant, has
caused this Amendment to its Registration Statement to be signed on its behalf
by the undersigned, thereunto duly authorized in the City of Minneapolis, and
State of Minnesota, on the 26th day of November, 2008.
RIVERSOURCE VARIABLE ACCOUNT 10
(Registrant)
By RiverSource Life Insurance Company
(Sponsor)
By /s/ Timothy V. Bechtold*
-------------------------------------
Timothy V. Bechtold
President
As required by the Securities Act of 1933, Amendment to this Registration
Statement has been signed by the following persons in the capacities indicated
on the 26th day of November, 2008.
/s/ Gumer C. Alvero* Director and Executive Vice President
------------------------------------- - Annuities
Gumer C. Alvero
/s/ Timothy V. Bechtold* Director and President
------------------------------------- (Chief executive officer)
Timothy V. Bechtold
/s/ Richard N. Bush* Senior Vice President - Corporate Tax
-------------------------------------
Richard N. Bush
/s/ Brian J. McGrane* Director, Executive Vice President and
------------------------------------- Chief Financial Officer
Brian J. McGrane
/s/ Kevin E. Palmer* Director, Vice President and Chief
------------------------------------- Actuary
Kevin E. Palmer
/s/ Bridget M. Sperl* Executive Vice President - Client
------------------------------------- Services
Bridget M. Sperl
/s/ David K. Stewart* Vice President and Controller
------------------------------------- (Principal Accounting Officer)
David K. Stewart
/s/ William F. "Ted" Truscott* Director
-------------------------------------
William F. "Ted" Truscott
/s/ John R. Woerner* Director
--------------------------------------
John R. Woerner
------------
* Signed pursuant to Power of Attorney dated Oct. 22, 2008 is filed
electronically herewith, by:
/s/ Rodney J. Vessels
-------------------------------------
Rodney J. Vessels
Assistant General Counsel and
Assistant Secretary
CONTENTS OF POST-EFFECTIVE AMENDMENT NO. 51 TO REGISTRATION STATEMENT
This Post-Effective Amendment is comprised of the following papers and
documents:
The Cover Page.
Part A.
The prospectus for: RiverSource Retirement Advisor 4 Advantage Variable Annuity,
RiverSource Retirement Advisor 4 Select Variable Annuity and RiverSource
Retirement Advisor 4 Access Variable Annuity filed electronically with
Post-Effective Amendment No. 49 to Registration Statement No. 333-79311 filed on
or about April 24, 2008 is incorporated by reference to this Post-Effective
Amendment No. 51.
Supplement for: RiverSource Retirement Advisor 4 Advantage Variable Annuity,
RiverSource Retirement Advisor 4 Select Variable Annuity and RiverSource
Retirement Advisor 4 Access Variable Annuity
Part B.
The Combined Statement of Additional Information and Financial Statements filed
electronically with Post-Effective Amendment No. 49 to Registration Statement
No. 333-79311 on or about April 24, 2008 is incorporated by reference to this
Post-Effective No. 51.
Part C.
Other Information.
The signatures.
Exhibit Index
9. Opinion of counsel and consent to its use as to the legality of the
securities being registered.
13. Power of Attorney dated Oct. 22, 2008.
EX-99.9
2
c47966exv99w9.txt
EX-99.9
November 26, 2008
RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474
Re: RiverSource Variable Account 10
RiverSource Retirement Advisor 4 Advantage Variable Annuity
RiverSource Retirement Advisor 4 Select Variable Annuity
RiverSource Retirement Advisor 4 Access Variable Annuity
File Nos. 333-79311/811-07355
Ladies and Gentlemen:
I am familiar with the establishment of the RiverSource Variable Account 10
("Account"), which is a separate account of RiverSource Life Insurance Company
("Company") established by the Company's Board of Directors according to
applicable insurance law. I also am familiar with the above-referenced
Registration Statement filed by the Company on behalf of the Account with the
Securities and Exchange Commission.
I have made such examination of law and examined such documents and records as
in my judgment are necessary and appropriate to enable me to give the following
opinion:
1. The Company is duly incorporated, validly existing and in good standing under
applicable state law and is duly licensed or qualified to do business in each
jurisdiction where it transacts business. The Company has all corporate powers
required to carry on its business and to issue the contracts.
2. The Account is a validly created and existing separate account of the Company
and is duly authorized to issue the securities registered.
3. The contracts issued by the Company, when offered and sold in accordance with
the prospectuses contained in the Registration Statement and in compliance with
applicable law, will be legally issued and represent binding obligations of its
Company in accordance with their terms. I hereby consent to the filing of this
opinion as an exhibit to the Registration Statement.
Sincerely,
/s/ Rodney J. Vessels
-------------------------------------
Rodney J. Vessels
Assistant General Counsel
EX-99.13
3
c47966exv99w13.txt
EX-99.13
.
.
.
POWER OF ATTORNEY
RIVESOURCE LIFE INSURANCE COMPANY
Gumer C. Alvero Bridget M. Sperl
Timothy V. Bechtold David K. Stewart
Richard N. Bush William F. "Ted" Truscott
Brian J. McGrane John R. Woerner
Kevin E. Palmer
Do hereby jointly and severally authorize Dixie L. Carroll, Scott E. Creutzmann,
Chris R. Long, Scott R. Plummer, Christopher O. Petersen, Bruce H. Saul, Tara W.
Tilbury, Rodney J. Vessels or Daniel J. Weatherly to sign as their
attorneys-in-fact and agents any and all documents (i.e., Registration
Statement, pre-effective amendment, post-effective amendment and any application
for exemptive relief) on behalf of the registrants reflected in the attached
list that have been filed with the Securities and Exchange Commission by
RiverSource Life Insurance Company pursuant to the Securities Act of 1933 and/or
the Investment Company Act of 1940, as amended, by means of the Security and
Exchange Commission's electronic disclosure system known as EDGAR or otherwise;
and to the file the same, with any amendments thereto and all exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, and do hereby ratify such signatures heretofore made by such
persons.
It is expressly understood by the undersigned that all to whom this Power of
Attorney is presented are hereby authorized to accept a copy, photocopy or
facsimile of this authorization with the same validity as the original.
This Power of Attorney may be executed in any number of counterpart copies, each
of which shall be deemed an original and all of which, together, shall
constitute one and the same instrument.
IN WITNESS WHEREOF, the undersigned have executed this Power of Attorney for the
purpose herein set forth.
Dated the 22nd day of October, 2008.
/s/ Gumer C. Alvero /s/ Bridget M. Sperl
-------------------------------------------------- -----------------------------------------------
Gumer C. Alvero Bridget M. Sperl
Director and Executive Vice President - Executive Vice President - Client Services
Annuities
/s/ Richard N. Bush /s/ David K. Stewart
-------------------------------------------------- -----------------------------------------------
Richard N. Bush David K. Stewart
Senior Vice President - Corporate Tax Vice President and Controller
/s/ Timothy V. Bechtold /s/ William F. "Ted" Truscott
-------------------------------------------------- -----------------------------------------------
Timothy V. Bechtold William F. "Ted" Truscott
Director and President Director
/s/ Brian J. McGrane /s/ John R. Woerner
-------------------------------------------------- -----------------------------------------------
Brian J. McGrane John R. Woerner
Director, Executive Vice President and Director
Chief Financial Officer
/s/ Kevin E. Palmer
--------------------------------------------------
Kevin E. Palmer
Director, Vice President and Chief Actuary
RIVERSOURCE LIFE INSURANCE COMPANY
REGISTERED VARIABLE ANNUITY/LIFE INSURANCE PRODUCTS
1933 Act No. 1940 Act No.
RIVERSOURCE VARIABLE ANNUITY ACCOUNT 1 811-07247
Privileged Assets Select Annuity 333-139768
RIVERSOURCE VARIABLE ANNUITY ACCOUNT 811-7195
RiverSource Personal Portfolio Plus 2/RiverSource Personal 333-139757
Portfolio Plus/RiverSource Personal Portfolio
RiverSource Preferred Variable Annuity 333-139758
Evergreen Essential Variable Annuity 333-139763
Evergreen New Solutions Variable Annuity 333-139763
Evergreen New Solutions Select Variable Annuity 333-139759
Evergreen Pathways Variable Annuity 333-139759
Evergreen Privilege Variable Annuity 333-139759
RiverSource AccessChoice Select Variable Annuity 333-139759
RiverSource Endeavor Select Variable Annuity 333-139763
RiverSource Endeavor Plus Variable Annuity 333-139759
RiverSource FlexChoice Variable Annuity 333-139759
RiverSource FlexChoice Select Variable Annuity 333-139759
RiverSource Galaxy Premier Variable Annuity 333-139761
RiverSource Innovations Variable Annuity 333-139763
RiverSource Innovations Classic Variable Annuity 333-139763
RiverSource Innovations Classic Select Variable Annuity 333-139763
RiverSource Innovations Select Variable Annuity 333-139763
RiverSource New Solutions Variable Annuity 333-139763
RiverSource Pinnacle Variable Annuity 333-139761
RiverSource Platinum Variable Annuity 333-139760
RiverSource Signature Variable Annuity 333-139762
RiverSource Signature One Variable Annuity 333-139762
RiverSource Signature One Select Variable Annuity 333-139762
RiverSource Signature Select Variable Annuity 333-139760
Wells Fargo Advantage Variable Annuity 333-139762
Wells Fargo Advantage Builder Variable Annuity 333-139762
Wells Fargo Advantage Builder Select Variable Annuity 333-139762
Wells Fargo Advantage Choice Select Variable Annuity 333-139759
Wells Fargo Advantage Choice Variable Annuity 333-139759
Wells Fargo Advantage Select Variable Annuity 333-139763
RIVERSOURCE ACCOUNT F 811-2317
RiverSource Variable Retirement & Combination Retirement Annuities 2-73114
RiverSource Employee Benefit Annuity 33-52518
RiverSource Flexible Annuity 33-4173
RiverSource Group Variable Annuity Contract 33-47302
RIVERSOURCE VARIABLE ANNUITY FUND A 811-1653
RiverSource Variable Annuity Fund A 2-29081
RIVERSOURCE VARIABLE ANNUITY FUND B 811-1674
RiverSource Variable Annuity Fund B - Individual 2-29358
RiverSource Variable Annuity Fund B - Group 2-47430
RIVERSOURCE VARIABLE ACCOUNT 10
RiverSource Flexible Portfolio Annuity 33-62407
RiverSource Retirement Advisor Variable Annuity 333-79311
RiverSource Retirement Advisor Variable Annuity - Band 3 333-79311
RiverSource Retirement Advisor Advantage Variable Annuity/RiverSource 333-79311
Retirement Advisor Select Plus Variable Annuity
RiverSource Retirement Advisor Advantage Variable Annuity - Band 3 333-79311
RiverSource Retirement Advisor Advantage Plus Variable Annuity/RiverSource 333-79311
Retirement Advisor Select Plus Variable Annuity
RiverSource Retirement Advisor 4 Advantage Plus Variable Annuity/RiverSource 333-79311
Retirement Advisor 4 Select Plus Variable Annuity/RiverSource Retirement
Advisor 4 Access Variable Annuity
RIVERSOURCE ACCOUNT SBS 811-06315
RiverSource Symphony Annuity 33-40779
RIVERSOURCE MVA ACCOUNT N/A
Evergreen Essential Variable Annuity 333-139776
Evergreen New Solutions Variable Annuity 333-139776
Evergreen New Solutions Select Variable Annuity 333-139776
Evergreen Pathways Variable Annuity 333-139776
Evergreen Privilege Variable Annuity 333-139776
RiverSource AccessChoice Select Variable Annuity 333-139776
RiverSource Endeavor Select Variable Annuity 333-139776
RiverSource FlexChoice Variable Annuity 333-139776
RiverSource FlexChoice Select Variable Annuity 333-139776
RiverSource Galaxy Premier Variable Annuity 333-139776
RiverSource Innovations Variable Annuity 333-139776
RiverSource Innovations Classic Variable Annuity 333-139776
RiverSource Innovations Classic Select Variable Annuity 333-139776
RiverSource Innovations Select Variable Annuity 333-139776
RiverSource New Solutions Variable Annuity 333-139776
RiverSource Pinnacle Variable Annuity 333-139776
RiverSource Signature Variable Annuity 333-139776
RiverSource Signature One Variable Annuity 333-139776
RiverSource Signature One Select Variable Annuity 333-139776
RiverSource Signature Select Variable Annuity 333-139776
Wells Fargo Advantage Variable Annuity 333-139776
Wells Fargo Advantage Builder Variable Annuity 333-139776
Wells Fargo Advantage Builder Select Variable Annuity 333-139776
Wells Fargo Advantage Choice Select Variable Annuity 333-139776
RIVERSOURCE ACCOUNT MGA N/A
RiverSource Guaranteed Term Annuity 333-114888
RiverSource Retirement Advisor Advantage Plus Variable Annuity/RiverSource 333-114888
Retirement Advisor Select Plus Variable Annuity
RiverSource Retirement Advisor 4 Advantage Plus Variable Annuity/RiverSource 333-114888
Retirement Advisor 4 Select Plus Variable Annuity/RiverSource Retirement
Advisor 4 Access Variable Annuity
RiverSource Guaranteed Variable Annuity Contract 33-48701
RIVERSOURCE VARIABLE LIFE SEPARATE ACCOUNT 811-4298
RiverSource Single Premium Variable Life Insurance 333-83456
RiverSource Variable Universal Life IV/RiverSource Variable 333-69777
Universal Life IV - Estate Series
RiverSource Variable Second-To-Die Life Insurance 33-62457
RiverSource Variable Universal Life Insurance 33-11165
RiverSource Variable Universal Life III 333-69777
RiverSource Succession Select Variable Life Insurance 33-62457
RiverSource Single Premium Variable Life Insurance Policy 2-97637
RIVERSOURCE VARIABLE LIFE ACCOUNT 811-09515
RiverSource Signature Variable Universal Life Insurance 333-84121
RIVERSOURCE ACCOUNT FOR SMITH BARNEY 811-4652
RiverSource Single Premium Variable Life Insurance Policy 33-5210
CORRESP
4
filename4.txt
November 26, 2008
VIA EDGAR
Securities and Exchange Commission
100 F Street N.E.
Washington, D.C. 20549
ATTN: Document Control -- Edgar
RE: Post-Effective Amendment No. 51 on Form N-4
RiverSource Retirement Advisor 4 Advantage Variable Annuity
RiverSource Retirement Advisor 4 Select Variable Annuity
RiverSource Retirement Advisor 4 Access Variable Annuity
File Nos. 333-79311/811-07355
Dear Commissioners:
On behalf of RiverSource Variable Account 10("Registrant"), RiverSource Life
Insurance Company ("Company") is filing Post-Effective Amendment No.
51("Amendment No. 51") on Form N-4 pursuant to Rule 485(a) of the Securities Act
of 1933 ("1933 Act"). The purpose of this filing is to supplement the prospectus
for RiverSource Retirement Advisor 4 Advantage Variable Annuity,RiverSource
Retirement Advisor 4 Select Variable Annuity and RiverSource Retirement Advisor
4 Access Variable Annuity.
This supplement describes increase in charges for the Accumulation Benefit rider
and SecureSource riders, effective for contracts purchased on or after Jan. 26,
2009. It also describes restrictions regarding Portfolio Navigator's models
availability with the Accumulation benefit rider.
The prospectus and the combined Statement of Additional Information relating to
the above-listed variable annuities filed with Post-Effective Amendment No. 49
to Registration Statement No. 333-139759 on or about April 24, 2008, have been
incorporated by reference to this Amendment No.51.
Registrant intends this filing to serve as a Template Supplement Filing for a
New York version of the RiverSource Retirement Advisor 4 Advantage Variable
Annuity, RiverSource Retirement Advisor 4 Select Variable Annuity and
RiverSource Retirement Advisor 4 Access Variable Annuity,file Nos. 333-
91691/811-07623 filed on Form N-4. Registrant will submit a request in
accordance with Rule 485(b)(1)(vii) under 1933 Act, under separate cover.
Pursuant to Rule 461, Registrant respectfully requests that the effective date
of the Registration be accelerated and that the Registration Statement be
declared effective on January 9, 2009.
If there is anything I can do to expedite review of the enclosed Amendment No.
51 or if you have any questions regarding this filing, please contact me at
(612) 671-2237 or Boba Selimovic at (612) 671-7449.
Sincerely,
/s/ Rodney J. Vessels
-------------------------------------
Rodney J. Vessels
Counsel
CORRESP
5
filename5.txt
November 26, 2008
VIA EDGAR
Securities and Exchange Commission
100 F Street N.E.
Washington, D.C. 20549
ATTN: Document Control -- Edgar
RE: Post-Effective Amendment No. 51 on Form N-4
RiverSource Retirement Advisor 4 Advantage Variable Annuity
RiverSource Retirement Advisor 4 Select Variable Annuity
RiverSource Retirement Advisor 4 Access Variable Annuity
File Nos. 333-79311/811-07355
Dear Commissioners:
RiverSource Variable Account 10, the Registrant, has filed its Post-Effective
Amendment No. 51 on Form N-4. Pursuant to Rule 461, the Underwriter, RiverSource
Distributors, Inc., now respectfully requests that the effective date of the
Registration be accelerated and that the Registration Statement be declared
effective on January 9, 2009.
Yours truly,
RiverSource Distributors, Inc.
By: /s/ Scott R. Plummer
------------------------------
Scott R. Plummer
Chief Counsel
RiverSource Distributors, Inc.