Taxes

• Income Tax
  ® variable annuities. Variable annuities are insurance products that are complex, long-term investment vehicles that are subject to market risk, including the potential loss of principal invested. Surrenders that do not qualify for a waiver may be subject to a surrender charge. Surrenders are subject to income taxes, and surrenders before age 59-1/2 may incur an IRS 10% early withdrawal penalty.

Planning

• Financial Planning
  Ameriprise Financial clients receive advice that is personalized to their financial goals. Because of this, 9 out of 10 of our clients are likely to recommend the experience to friends or family. Begin your journey with us today: https://www.ameriprise.com/financial-planning
• Annuities
  You should consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options carefully before investing. For a free copy of the annuity's prospectus and underlying investment's prospectus, which contains this and other information about variable annuities, call 800.333.3437. Read the prospectus carefully before you invest.