RIVERSOURCE OF NEW YORK ACCOUNT 8 - Copy of Waiver of Monthly Deduction Rider for Total Disability filed electronically as Exhibit (d)(2) to Initial Registration Statement on Form N-6 on or about August 13, 2012 is incorporated herein by reference.

See All of This Company's Exhibits
                                        
EX-99.D.2
3
c66903exv99wdw2.txt
COPY OF WAIVER OF MONTHLY DEDUCTION RIDER FOR TOTAL DISABILITY


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

             WAIVER OF MONTHLY DEDUCTION RIDER FOR TOTAL DISABILITY

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 waive the monthly deductions for the policy if the Insured becomes
Totally Disabled and meets the requirements described in this rider.

Total Disability must begin while this rider is in force and must continue for a
period of 180 consecutive days, except that the 180 consecutive days may be
interrupted by a period of up to 20 accumulated days during which the Insured is
not Totally Disabled.

If Total Disability begins before the Insured's Attained Insurance Age 60
Anniversary, We will waive monthly deductions until the Insured's Attained
Insurance Age 120 Anniversary.

If Total Disability begins on or after the Insured's Attained Insurance Age 60
Anniversary, We will waive monthly deductions until the greater of the Insured's
Attained Insurance Age 65 Anniversary, or 2 years (24 months) following the date
Total Disability begins. The waived monthly deductions will not be deducted from
the policy Proceeds.

The waiver of monthly deductions will apply to this rider and all other riders
attached to the policy unless stated otherwise under Policy Data.

Until Your claim is approved, You must pay the premiums needed so that Your
policy does not lapse, as provided in the grace period provision of the policy.
We will also take monthly deductions as usual.

If Total Disability begins within the grace period for the policy, payment of
premium sufficient to avoid lapse of the policy must be made, before We approve
the waiver benefit.

If We approve Your claim, premiums you paid during Total Disability that exceed
the amount required to prevent policy lapse will be refunded to You, if You so
request.

If We approve Your claim, monthly deductions taken during Total Disability will
be restored to the policy value. The policy value will then be equal to the
policy value as if the monthly deductions were never taken.

For any month that the monthly deductions are waived, any minimum initial
premium and any no lapse guarantee premium, as described in the Premiums section
of the policy, for that month will be zero.

DEFINITION OF TOTAL DISABILITY

Total Disability must begin while this rider is in force. During the first 24
months, Total Disability means the complete inability of the Insured, due to
bodily injury or disease, to engage in his or her regular occupation at the time
of disability, for remuneration or profit. After 24 months of such continuous
disability, Total Disability will mean the Insured's inability to engage in any
gainful occupation for remuneration or profit for which he or she is reasonably
fitted by education, training, or experience.

RECURRENT DISABILITY

Once the waiver benefit has been approved and the Insured should then
unsuccessfully attempt to return to work, We will not require the Insured to
re-qualify for the benefit if the later Total Disability is considered a
reoccurrence of the prior period of Total Disability. We will consider a Total
Disability to be a reoccurrence of a prior period of Total Disability if:

1.   the prior and later Total Disability are due to the same or related cause;
     and

2.   the later period of Total Disability occurs within 31 days of the prior
     period of Total Disability.

                                     Page 1



CERTAIN LOSSES CONSIDERED TOTAL DISABILITY

The total and irrecoverable loss of the following will also be considered Total
Disability even if the Insured performs in an occupation:

1.   the sight of both eyes; or

2.   the use of both hands; or

3.   the use of both feet; or

4.   the use of one hand and one foot.

Such loss must occur or first appear after the effective date of this rider and
while the rider is in effect.

RIDER EXCLUSIONS

We will not waive any monthly deduction if Total Disability:

1.   directly results from willfully and intentionally self inflicted injuries;
     or

2.   results from the Insured serving in the military or an auxiliary unit
     thereto on the Policy Date of the policy, for Total Disability commencing
     in the first 5 years of the policy that is caused by war or an act of war,
     while the Insured serves in the military or an auxiliary unit thereto. Such
     disability must occur outside of the United States, Canal Zone, Puerto
     Rice, Virgin Islands, and Canada.

COVERAGE UNDER THE POLICY DURING DISABILITY

During a period of Total Disability, You may not:

1.   increase the specified amount of the policy; or

2.   make changes to the death benefit option.

PROOF OF TOTAL DISABILITY

Written notice of claim should be given to Us during the lifetime of the Insured
and during the period of Total Disability. We must receive proof of Total
Disability in Our home office within six months after the date of the written
notice of claim. If You do not provide notice or give Us proof within these
times, Your claim will not be affected if proof or notice was given as soon as
reasonably possible. Otherwise, We will not waive monthly deductions made more
than one year before proof was furnished.

At reasonable intervals, not more frequently than every 30 days, We have the
right to require proof, including a medical examination, that Total Disability
is continuing. If We require a medical examination as proof, it will be at Our
expense. After 2 years We will only require proof no more than once in any 12
month period. If such proof is not given when required, no further premiums will
be waived. Your claim will not be affected if proof was given as soon as
reasonably possible.

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 can be
determined from the Waiver of Monthly Deduction Rider for Total Disability
Guaranteed Maximum Monthly Cost of Insurance Rates shown under Policy Data.

RIDER INCONTESTABILITY

After this rider has been in force during the Insured's lifetime for two years
from its effective date, We cannot contest this rider. The two year period will
not include time during which the Insured is Totally Disabled.

RIDER TERMINATION

Coverage under this rider will end on the earliest of the following:

1.   the monthly date on or next following receipt of Your Written Request for
     coverage to end; or

2.   the Insured's Attained Insurance Age 65 Anniversary; or 3. the date the
     policy Terminates.

Termination of this rider will not affect a valid claim for benefits for Total
Disability that starts before the Termination.

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

RIVERSOURCE LIFE INSURANCE CO. OF NEW YORK

-s- Signature

SECRETARY

                                     Page 2