Exhibit 4.22

                  MAXIMUM ANNIVERSARY VALUE DEATH BENEFIT RIDER

This rider is made a part of the contract to which it is attached. Except where
this rider provides otherwise, it is subject to all of the conditions and
limitations of the contract.

If the Owner or any joint Owner is a non-natural person or a revocable trust,
the Annuitant will be deemed to be the Owner for any provision or benefit of
this rider using the age or life of the Owner.

The Amount Payable Before the Annuitization Start Date provision in the PAYMENTS
TO BENEFICIARIES section of the contract to which this rider is attached is
hereby deleted and replaced with the following.

AMOUNT PAYABLE BEFORE THE ANNUITIZATION START DATE

If You die before the Annuitization Start Date while this rider is in force,
then We will pay the beneficiary the greatest of the following amounts:

1.   the Contract Value, after any rider charges have been deducted from the
     Variable Account; or

2.   the Return of Purchase Payment (ROPP) Value; or

3.   the Maximum Anniversary Value (MAV).

COVERED LIFE CHANGE DEFINITION: A "covered life change" is either A)
continuation of the contract by a spouse under the Spouse's Option to Continue
Contract provision or B) an ownership change where an Owner after the ownership
change was not an Owner prior to the change.

ADJUSTMENTS FOR PARTIAL SURRENDERS DEFINITION: "Adjustments for partial
surrenders" are calculated for both the MAV and ROPP value separately for each
partial surrender using the following formula:

                                 A X B where:
                                 -----
                                   C

     A = the amount Your Contract Value is reduced by the partial surrender

     B = the applicable ROPP 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.

                     RETURN OF PURCHASE PAYMENT (ROPP) VALUE

If the rider is effective on the Contract Date, the ROPP value is established as
the total purchase payments made to the contract. If the rider is effective on a
Contract Anniversary, the ROPP value is established as the Contract Value on the
later of that anniversary or the Valuation Date we receive your written request
to add the rider. Adjustments are made to the ROPP value in the following
circumstances.

1.   Additional purchase payments will be added to the ROPP value.

2.   Partial surrenders will result in "adjustments for partial surrenders"
     subtracted from the ROPP value.

3.   After a "covered life change" for a spouse who continues the contract, the
     ROPP value is reset to the Contract Value on the date of continuation after
     any rider charges have been deducted from the Variable Account and after
     any increase to the Contract Value due to the death benefit that would
     otherwise have been paid.

4.   After a "covered life change" other than for a spouse who continues the
     contract, the ROPP value is reset on the Valuation Date We receive Your
     Written Request for the "covered life change" to the lesser of A or B
     where:

     A = the Contract Value on that date after any rider charges have been
         deducted from the Variable Account, and

     B = the ROPP value on that date (but prior to the reset).

                         MAXIMUM ANNIVERSARY VALUE (MAV)

The MAV equals the ROPP value prior to the first Contract Anniversary after the
effective date of this rider. On each Contract Anniversary after the effective
date of this rider and prior to the earlier of the Maximum MAV Date shown under
Contract Data or Your date of death, the MAV will be increased to the Contract
Value, if the Contract Value is greater.

Adjustments are made to the MAV in the following circumstances.

1.   Additional purchase payments will be added to the MAV.

2.   Partial surrenders taken will result in "adjustments for partial
     surrenders" subtracted from the MAV.


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3.   After a "covered life change" for a spouse who continues the contract, the
     MAV is reset to the Contract Value on the date of continuation after any
     rider charges have been deducted from the Variable Account and after any
     increase to the Contract Value due to the death benefit that would
     otherwise have been paid.

4.   After a "covered life change" other than for a spouse who continues the
     contract, the MAV is reset on the Valuation Date We receive Your Written
     Request for the "covered life change" to the lesser of A or B where:

     A = the Contract Value on that date after any rider charges have been
         deducted from the Variable Account, and

     B = the MAV on that date (but prior to the reset).

RIDER CHARGES

An Optional Death Benefit Rider Fee for this rider is included in the Annual
Mortality and Expense Risk Fee shown under Contract Data. This increases the
Mortality and Expense Risk Charge which is deducted from each variable
subaccount on a daily basis as described in Your contract.

If the rider is terminated by a "covered life change" or on the Annuitization
Start Date, the Optional Death Benefit Rider Fee for this rider will be removed
from the Annual Mortality and Expense Risk Fee from that point forward.

TERMINATION OF THE RIDER

This rider cannot be terminated either by You or Us except as follows:

1.   If there has been any "covered life change" where You, as redefined, were
     older than the MAV Benefit Age (shown under Contract Data) on the date of
     the "covered life change", then the rider will terminate and the Amount
     Payable Before the Annuitization Start Date provision in the PAYMENTS TO
     BENEFICIARIES section of the contract will be reinstated.

2.   The rider will terminate on the Annuitization Start Date.

3.   After the death benefit is payable, unless the spouse continues the
     contract as described in the Spouse's Option to Continue Contract
     provision, the rider will terminate.

4.   Termination of the contract for any reason will terminate the rider.

Upon termination of this rider, any additional death benefit provided by the
rider will not be payable upon Your death.

EFFECTIVE DATE

This rider is effective as of the Contract Date of this contract unless a
different date is shown under Contract Data.

RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK


/s/ Thomas R. Moore

Secretary


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