Common use of SOLE SPOUSE BENEFICIARY OPTION Clause in Contracts

SOLE SPOUSE BENEFICIARY OPTION. If your sole designated beneficiary is your surviving spouse, your spouse may elect to treat this Contract as his or her own IRA and may choose an irrevocable annuity payment plan option available to Contract owners. If your surviving spouse dies after distributions commence to him or her in the form of one of the annuity payment plans (A through E) described in the Contract, the remaining interest will continue to be distributed under the annuity payment plan chosen. An election to treat the Contract as his or her own will be deemed to have been made if such surviving spouse makes a contribution to the IRA or fails to take required distributions as a beneficiary. DESIGNATING A BENEFICIARY If the death benefit under this Contract becomes payable to your beneficiary, your beneficiary shall have the right to name a beneficiary. Any such request from your beneficiary must be made on a form satisfactory to us. Once the change is received by us, it will take effect as of the date of your request, subject to any action taken or payment made by us before the receipt. ENDORSEMENT EFFECTIVE DATE This endorsement is effective as of the date the Contract is issued or the date the Contract is endorsed, whichever is later. RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK [/s/ Xxxxxx X. Xxxxx] ------------------------------------------ Secretary

SOLE SPOUSE BENEFICIARY OPTION. If your sole designated beneficiary is your surviving spouse, your spouse may elect to treat this Contract as his or her own IRA and may choose an irrevocable annuity payment plan option available to Contract owners. If your surviving spouse dies after distributions commence to him or her in the form of one of the annuity payment plans (A through E) described in the Contract, the remaining interest will continue to be distributed under the annuity payment plan chosen. An election to treat the Contract as his or her own will be deemed to have been made if such surviving spouse makes a contribution to the IRA or fails to take required distributions as a beneficiary. DESIGNATING A BENEFICIARY If the death benefit under this Contract becomes payable to your beneficiary, your beneficiary shall have the right to name a beneficiary. Any such request from your beneficiary must be made on a form satisfactory to us. Once the change is received by us, it will take effect as of the date of your request, subject to any action taken or payment made by us before the receipt. ENDORSEMENT EFFECTIVE DATE This endorsement is effective as of the contract date the Contract of this contract unless a different date is issued or the date the Contract is endorsed, whichever is later. shown here RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK [/s/ Xxxxxx X. Xxxxx] ------------------------------------------ SecretaryIllegible --------------------------------------- SECRETARY

SOLE SPOUSE BENEFICIARY OPTION. If your sole designated beneficiary is your surviving spouse, your spouse may elect to treat this Contract as his or her own IRA and may choose an irrevocable annuity payment plan option available to Contract contract owners. If your surviving spouse dies after distributions commence to him or her in the form of one of the annuity payment plans (A through E) described in the Contract, the remaining interest will continue to be distributed under the annuity payment plan chosen. An election to treat the Contract as his or her own will be deemed to have been made if such surviving spouse makes a contribution to the IRA or fails to take required distributions as a beneficiary. DESIGNATING A BENEFICIARY Designating a Beneficiary If the death benefit under this Contract becomes payable to your beneficiary, your beneficiary shall have the right to name a beneficiary. Any such request from your beneficiary must be made on a form satisfactory to us. Once the change is received by us, it will take effect as of the date of your request, subject to any action taken or payment made by us before the receipt. ENDORSEMENT EFFECTIVE DATE Endorsement Effective Date This endorsement is effective as of the date the Contract is issued or the date the Contract is endorsed, whichever is later. RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK [American Centurion Life Assurance Company /s/ Xxxxxx X. Xxxxx] ------------------------------------------ Eric L. Marhoun Secretary

SOLE SPOUSE BENEFICIARY OPTION. If your sole designated beneficiary is your surviving spouse, your spouse may elect to treat this Contract as his or her own IRA and may choose an irrevocable annuity payment plan option available to Contract contract owners. If your surviving spouse dies after distributions commence to him or her in the form of one of the annuity payment plans (A through E) described in the Contract, the remaining interest will continue to be distributed under the annuity payment plan chosen. An election to treat the Contract as his or her own will be deemed to have been made if such surviving spouse makes a contribution to the IRA or fails to take required distributions as a beneficiary. DESIGNATING A BENEFICIARY If the death benefit under this Contract becomes payable to your beneficiary, your beneficiary shall have the right to name a beneficiary. Any such request from your beneficiary must be made on a form satisfactory to us. Once the change is received by us, it will take effect as of the date of your request, subject to any action taken or payment made by us before the receipt. ENDORSEMENT EFFECTIVE DATE This endorsement is effective as of the contract date the Contract of this contract unless a different date is issued or the date the Contract is endorsed, whichever is latershown here. RIVERSOURCE AMERICAN CENTURION LIFE INSURANCE CO. OF NEW YORK [ASSURANCE COMPANY /s/ Xxxxxx X. Xxxxx] ------------------------------------------ SecretaryXxxxx SECRETARY