Exhibit (d)(5): Copy of Accidental Death Benefit Rider

RIVERSOURCE LIFE INSURANCE CO.
OF NEW YORK
20 Madison Avenue Extension
Box 5144
Albany, New York 12205
1-800-541-2251

                         ACCIDENTAL DEATH BENEFIT RIDER

Based on the application for this rider and the payment of its monthly
deduction, this rider is made a part of the policy. This rider is subject to all
policy terms and provisions unless this rider changes them. This rider does not
increase Your policy  values.

RIDER BENEFIT

We will pay the Accidental Death Benefit shown under Policy Data if We receive
proof satisfactory to Us that the Insured's death:

1.   resulted, directly and independently of all other causes, from accidental
     bodily injury; and

2.   occurred while this rider was In Force; and

3.   occurred within 180 days of the injury.

This benefit is in addition to any other benefits payable under the policy. It
will be included in the Proceeds of the policy and payable to the beneficiary of
the policy.

MONTHLY DEDUCTION FOR THE COST OF THIS RIDER

While this rider is in force, a monthly deduction for the cost of this rider is
taken from the Policy Value. The monthly deduction amount for this rider is
shown under Policy Data.

RIDER INCONTESTABILITY

This rider will be incontestable after it has been In Force during the Insured's
lifetime for two years from the effective date of this rider.

RIDER TERMINATION

This rider will Terminate on the earliest of the following:

1.   the Monthly Date on or next following the effective date of Your request
     by Written Request or other requests acceptable to Us for coverage to end;
     or

2.   the Expiration Date for this rider shown under Policy Data; or

3.   the date of death of the Insured; or

4.   the date the policy Terminates.

The effective date of Your request is the date We receive Your Written Request,
or a later date if specified in Your request.  If We accept a request for
Termination by other than Written Request, the effective date of Your request
is the date We receive Your request, or a later date if specified in Your
request.

RISKS NOT COVERED BY THIS RIDER

The benefits of this rider are not payable if death occurs while the Insured is
incarcerated, or if death resulted from any of the following:

1.   suicide or attempted suicide;

2.   intentionally self inflicted injuries;

3.   disease or infirmity of mind or body;

4.   an infection not occurring as a direct result or consequence of the
     accidental bodily injury;

5.   travel in or descent from an aircraft if the Insured acted in a capacity
     other than as a passenger;

6.   travel in an aircraft or device used for testing or experimental purposes

7.   travel in an aircraft or device used for travel beyond the earth's
     atmosphere;

8.   travel in an armed forces aircraft or device;

9.   committing or attempting to commit a felony;

10.  voluntarily intake or use of poison, gas or fumes unless a direct result
     of an occupational accident;

11.  voluntarily intake or use of any drug, unless prescribed or administered
     by a physician;

12.  intoxication as defined by the jurisdiction where the accident occurred;

13.  riding or driving an air, land, or water vehicle in a race, speed or
     endurance contest;

14.  rock or mountain climbing other than hiking on an established trail;

15.  aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring,
     ballooning and parasailing);

16.  war or act of war, subject to the following;

     a.   as a result of war or act of war, if the cause of death occurs while
          the Insured is serving in any armed forces or attached civilian unit
          and death occurs no later than six months after the termination of
          such service; or

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b.   as a result of the special hazards incident to service in any armed forces
     or attached civilian unit, if the cause of death occurs during the period
     of such service while the Insured is outside the home area, and if death
     occurs outside the home area or within six months after the Insured's
     return to the home area while in such service or within six months after
     the termination of such service, whichever is earlier; or

c.   as a result of war or an act of war, within two years from the date of
     issue of the policy, if the cause of death occurs while the Insured is
     outside the home area but is not serving in any armed forces or attached
     civilian unit, and death occurs outside the home area or within six months
     after the Insured's return to the home area.

"Armed forces" means the military, naval or air forces of any country,
combination of countries or international organization.

"Attached civilian unit" means a civilian non-combatant unit serving with any
armed forces.

"Home area" means the 50 states of the United States and its territories, the
District of Columbia and Canada.

"War" means any war declared or undeclared, and armed aggression resisted by any
armed forces.

"Act of war" means any act peculiar to military, naval or air operations in
time of war.

"Special hazards incident to service" includes those hazards resulting in the
Insured's death being presumed by reason of being missing in action or
otherwise, or to the Insured's death from disease or injury, accidental or
otherwise, to a person serving in or with, any armed forces or attached civilian
units is exposed in the line of duty.

This rider is issued as of the Policy Date of the policy unless a different date
is shown under Policy Data.

(-s- Thomas R. Moore)

SECRETARY

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