# EDGAR Filing Document

**Accession Number:** 0000727892
**File Stem:** 0001193125-25-211628
**Filing Date:** 2025-9
**Character Count:** 44633
**Document Hash:** ee36aaf178fdf1353eb57fb740e198ba
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-211628.hdr.sgml**: 20250923

**ACCESSION NUMBER**: 0001193125-25-211628

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20250923

**EFFECTIVENESS DATE**: 20250923

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RIVERSOURCE LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0000727892
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 410823832
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-290381
- **FILM NUMBER:** 251331039

**BUSINESS ADDRESS:**
- **STREET 1:** 1099 AMERIPRISE FINANCIAL CENTER
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474
- **BUSINESS PHONE:** 6126713131

**MAIL ADDRESS:**
- **STREET 1:** 1099 AMERIPRISE FINANCIAL CENTER
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE INSURANCE CO
- **DATE OF NAME CHANGE:** 19970414

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE INSURANCE CO /MN
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### RIVERSOURCE LIFE INSURANCE CO (Series ID: S000091107)

| Class ID   | Class Name                                                            | Ticker Symbol   |
|:---|:---|:---|
| C000267006 | RiverSource FlexChoice Variable Annuity and Guarantee Period Accounts |  |

*RiverSource*<sup>®</sup>

FlexChoice Variable Annuity

CONTRACT OPTION L: INDIVIDUAL FLEXIBLE PREMIUM DEFERRED COMBINATION FIXED/VARIABLE ANNUITY <br> CONTRACT OPTION C: INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY

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| | |
|:---|:---|
| **Issued by:** | **RiverSource Life Insurance Company (RiverSource Life)** |
|  | &nbsp;&nbsp; 829 Ameriprise Financial Center <br> Minneapolis, MN 55474 <br> Telephone: 1-800-333-3437 <br> (Service Center)<br>|

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**Updating Summary Prospectus**

**September 22, 2025**

The Prospectus for the RiverSource FlexChoice Variable Annuity describes Contract Option L, an individual flexible premium deferred combination fixed/ variable annuity and Contract Option C, an individual flexible premium deferred variable annuity (the Contract), issued by RiverSource Life Insurance Company ("RVS Life", "we", "us" and "our"), is available and contains more information about the Contract, including its features, benefits and risks. You can find the current prospectus and other information about the Contract online at riversource.com/annuities. You can also obtain this information at no cost by calling 1-800-862-7919 or by sending an email request to riversourceannuityservice@ampf.com.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

**The Securities and Exchange Commission has not approved or disapproved these securities or determined if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.**

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RiverSource FlexChoice Variable Annuity — Summary Prospectus 1

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Contents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
| [Key Terms](#xx_3d3633c3-f0e1-427e-87d9-f5a83fc186ed_1) | 3  |
| [Updated Information You Should Consider About the](#xx_e1149ae7-2353-4be9-aed4-c79611eee5eb_1)[Contract](#xx_e1149ae7-2353-4be9-aed4-c79611eee5eb_1) | 4  |
| [Important Information You Should Consider About the Contract](#xx_a89fed9f-4584-44c0-8bb9-9e13ddec33ca_1) | 5  |
| [Appendix](#xx_dee62d4b-1e28-477f-a3ee-e2c42d052a5d_1)[A](#xx_dee62d4b-1e28-477f-a3ee-e2c42d052a5d_1)[: Investment Options Available Under the](#xx_dee62d4b-1e28-477f-a3ee-e2c42d052a5d_1)[Contract](#xx_dee62d4b-1e28-477f-a3ee-e2c42d052a5d_1) | 9 |

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2 RiverSource FlexChoice Variable Annuity — Summary Prospectus

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Key Terms

*These terms can help you understand details about your contract.*

**Contract:** A deferred annuity contract that permits you to accumulate money for retirement by making one or more purchase payments. It provides for lifetime or other forms of payouts beginning at a specified time in the future.

**Contract value:** The total value of your contract before we deduct any applicable charges.

**Contract year:** A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

**Funds:** A portfolio of an open-end management investment company that is registered with the Securities and Exchange Commission (the "SEC") in which the Subaccounts invest. May also be referred to as an underlying Fund.

**Guarantee Period Accounts (GPAs):** A nonunitized separate account to which you may allocate purchase payments or transfer contract value of at least $1,000. These accounts have guaranteed interest rates for guarantee periods we declare when you allocate purchase payments or transfer contract value to a GPA. These guaranteed rates and periods of time may vary by state. Unless an exception applies, transfers or withdrawals from a GPA done more than 30 days before the end of the guarantee period will receive a market value adjustment, which may result in a gain or loss.

**Market Value Adjustment (MVA):** A positive or negative adjustment assessed if any portion of a Guarantee Period Account is withdrawn or transferred more than 30 days before the end of its guarantee period.

**One-year fixed account:** Part of our general account to which you may make allocations. Amounts you allocate to this account earn interest at rates that we declare periodically.

**Retirement date:** The date when annuity payouts are scheduled to begin.

**Service Center:** Our department that processes all transaction and service requests for the contracts. We consider all transaction and service requests received when they arrive in good order at the Service Center. Any transaction or service requests sent or directed to any location other than our Service Center may end up delayed or not processed. Our Service Center address and telephone number are listed on the first page of the prospectus.

**Subaccount:** A division of the Variable Account, each of which invests in one Fund.

**Variable Account:** Refers to the RiverSource Variable Annuity Account, a Separate Account established to hold contract owners' assets allocated to the Subaccounts, each of which invests in a particular Fund.

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RiverSource FlexChoice Variable Annuity — Summary Prospectus 3

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Updated Information You Should Consider About the Contract

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the Prospectus dated May 1, 2024. This may not reflect all of the changes that have occurred since you entered into your Contract.

**UNDERLYING FUNDS** 

• Effective 7/15/2024, Franklin Advisers, Inc. ("Franklin Advisers") is added to the list of sub-advisors pursuant to a new sub-advisory agreement between Franklin Advisers and Putnam Management, LLC.

• Effective 7/15/2024, Franklin Advisers, Inc. replaced Putnam Investment Management, LLC as the investment advisor of each fund.

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4 RiverSource FlexChoice Variable Annuity — Summary Prospectus

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Important Information You Should Consider About the Contract

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Are There Charges** <br> **or Adjustments for** <br> **Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** <br> **Contract Option L.** If you withdraw money during the first 4contract years, <br> you may be assessed a withdrawal charge of up to 8%. For example, if you <br> make an early withdrawal, you could pay a withdrawal charge of up to <br> $8,000 on a $100,000 withdrawal. This loss will be greater if there is a <br> negative MVA, taxes, or tax penalties.<br> **Contract Option C.** No withdrawal charges.<br> A positive or negative MVA is assessed if any portion of a GPA is withdrawn <br> or transferred more than 30 days before the end of its guarantee period. <br> You could lose up to 100% of the amount withdrawn from a GPA as a result <br> of a negative MVA.<br> For example, if you allocate $100,000 to a GPA with a 3-year guarantee <br> period and later withdraw the entire amount before the 3 years have <br> ended, you could lose up to $100,000 of your investment. This loss will be <br> greater if you also have to pay a withdrawal charge, taxes, and tax <br> penalties.<br> The following transactions when applied to a GPA, which we refer to as <br> "early withdrawals," are subject to an MVA when they occur more than <br> 30 days prior to the end of the guarantee period, unless an exception <br> applies: (i) withdrawals (including full and partial withdrawals, systematic <br> withdrawals, and required minimum distributions), (ii) transfers, and <br> (iii) annuitization. We will not apply a negative MVA to the payment of the <br> death benefit. An MVA may increase the death benefit but will not decrease <br> it. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Transaction** <br> **Expenses –** <br> **Withdrawal** <br> **Charge**<br> **Charges and** <br> **Adjustments –** <br> **Adjustments –** <br> **Market Value** <br> **Adjustments**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| &nbsp;&nbsp; **No.** Other than withdrawal charges and negative MVAs, we do not assess <br> any transaction charges. |  |

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RiverSource FlexChoice Variable Annuity — Summary Prospectus 5

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the current fees and expenses that you <br> may pay each year, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees <br> you will pay each year based on the options you have elected. | &nbsp;&nbsp; **Yes.** The table below describes the current fees and expenses that you <br> may pay each year, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees <br> you will pay each year based on the options you have elected. | &nbsp;&nbsp; **Yes.** The table below describes the current fees and expenses that you <br> may pay each year, depending on the options you choose. Please refer to <br> your Contract specifications page for information about the specific fees <br> you will pay each year based on the options you have elected. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Annual Contract** <br> **Expenses**<br> **Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?** | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Annual Contract** <br> **Expenses**<br> **Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?** | &nbsp;&nbsp; Base Contract<sup>(1)</sup> <br>(varies by death benefit option, size <br> of contract value, and contract <br> option)<br>| 1.42% | 1.82% | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Annual Contract** <br> **Expenses**<br> **Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?** | &nbsp;&nbsp; Fund options<br> (funds fees and expenses)<sup>(2)</sup> <br>| 0.51% | 1.20% | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Annual Contract** <br> **Expenses**<br> **Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?** | &nbsp;&nbsp; Optional benefits available for an <br> additional charge<sup>(3)</sup> <br>| 0.25% | 0.70% | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Annual Contract** <br> **Expenses**<br> **Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?** | &nbsp;&nbsp; (1) As a percentage of average daily contract value in the variable account. Includes the <br> Mortality and Expense Fee, Variable Account Administrative Charge, and Contract <br> Administrative Charge.<br> (2) As a percentage of Fund net assets. <br> (3) As a percentage of adjusted Contract Value or the applicable guaranteed benefit amount <br> (varies by optional benefit). The Minimum is a percentage of contract value. The Maximum is a <br> percentage of the GMIB Benefit Base.<br> Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay each <br> year, based on current charges. This estimate assumes that you do not <br> take withdrawals from the Contract, **which could add withdrawal charges** <br> **and negative MVAs that substantially increase costs**. | &nbsp;&nbsp; (1) As a percentage of average daily contract value in the variable account. Includes the <br> Mortality and Expense Fee, Variable Account Administrative Charge, and Contract <br> Administrative Charge.<br> (2) As a percentage of Fund net assets. <br> (3) As a percentage of adjusted Contract Value or the applicable guaranteed benefit amount <br> (varies by optional benefit). The Minimum is a percentage of contract value. The Maximum is a <br> percentage of the GMIB Benefit Base.<br> Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay each <br> year, based on current charges. This estimate assumes that you do not <br> take withdrawals from the Contract, **which could add withdrawal charges** <br> **and negative MVAs that substantially increase costs**. | &nbsp;&nbsp; (1) As a percentage of average daily contract value in the variable account. Includes the <br> Mortality and Expense Fee, Variable Account Administrative Charge, and Contract <br> Administrative Charge.<br> (2) As a percentage of Fund net assets. <br> (3) As a percentage of adjusted Contract Value or the applicable guaranteed benefit amount <br> (varies by optional benefit). The Minimum is a percentage of contract value. The Maximum is a <br> percentage of the GMIB Benefit Base.<br> Because your Contract is customizable, the choices you make affect how <br> much you will pay. To help you understand the cost of owning your Contract, <br> the following table shows the lowest and highest cost you could pay each <br> year, based on current charges. This estimate assumes that you do not <br> take withdrawals from the Contract, **which could add withdrawal charges** <br> **and negative MVAs that substantially increase costs**. | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Annual Contract** <br> **Expenses**<br> **Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?** | &nbsp;&nbsp; **Lowest Annual Cost:**<br> $1,798<br>| &nbsp;&nbsp; **Highest Annual Cost:**<br> $3,186 | &nbsp;&nbsp; **Highest Annual Cost:**<br> $3,186 | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Annual Contract** <br> **Expenses**<br> **Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?** | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Least expensive combination of <br> Contract features and Fund fees <br> and expenses<br> •No optional benefits<br> •No additional purchase payments, <br> transfers or withdrawals<br> •No sales charge<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> Contract features, optional <br> benefits and Fund fees and <br> expenses<br> •No sales charge<br> •No additional purchase payments, <br> transfers or withdrawals | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation<br> •Most expensive combination of <br> Contract features, optional <br> benefits and Fund fees and <br> expenses<br> •No sales charge<br> •No additional purchase payments, <br> transfers or withdrawals | &nbsp;&nbsp; **Fee Table and** <br> **Examples**<br> **Charges and** <br> **Adjustments –** <br> **Annual Contract** <br> **Expenses**<br> **Appendix A:** <br> **Investment** <br> **Options Available** <br> **Under the** <br> **Contract** |
|  | **RISKS** | **RISKS** | **RISKS** |  |
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| &nbsp;&nbsp; **Yes.** You can lose money by investing in this Contract including loss of <br> principal. | &nbsp;&nbsp; **Yes.** You can lose money by investing in this Contract including loss of <br> principal. | &nbsp;&nbsp; **Yes.** You can lose money by investing in this Contract including loss of <br> principal. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br>|

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6 RiverSource FlexChoice Variable Annuity — Summary Prospectus

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Is this a** <br> **Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp;&nbsp; **No.**<br> •The Contract is not a short-term investment and is not appropriate for an <br> investor who needs ready access to cash.<br> •The Contract Option L has withdrawal charges which may reduce the <br> value of your Contract if you withdraw money during withdrawal charge <br> period. Withdrawals may also reduce or terminate contract guarantees.<br> •Withdrawals may also be subject to taxes and tax penalties.<br> •Withdrawals from a GPA prior to 30 days before the end of the guarantee <br> period may also result in a negative MVA. During the 30-day period <br> ending on the last day of the guarantee period, you may choose to start <br> a new guarantee period of the same length, transfer the contract value <br> from the current GPA to any of the investment options available under <br> the Contract, apply the contract value to an annuity payout plan, or <br> withdraw the value from the current GPA (all subject to applicable <br> withdrawal, transfer, and annuitization provisions). If we do not receive <br> any instructions by the end of the guarantee period, we will automatically <br> transfer the contract value from the current GPA into the shortest GPA <br> term available.<br> •The benefits of tax deferral, long-term income and optional living benefit <br> guarantees, mean the contract is generally more beneficial to investors <br> with a long term investment horizon. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Charges and** <br> **Adjustments –** <br> **Transaction** <br> **Expenses –** <br> **Withdrawal** <br> **Charge**<br> **Charges and** <br> **Adjustments –** <br> **Adjustments –** <br> **Market Value** <br> **Adjustments**<br>|
| **What Are the** <br> **Risks Associated** <br> **with the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; •An investment in the Contract is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Contract.<br> •Each investment option, including the one-year fixed account and the <br> Guarantee Period Accounts (GPAs) investment options, available for <br> Contract Option L only, has its own unique risks.<br> •You should review the investment options before making any investment <br> decisions. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **The Variable** <br> **Account and the** <br> **Funds**<br> **The "Nonunitized"** <br> **Separate Account** <br> **and the Guarantee** <br> **Period Accounts** <br> **(GPAs)**<br> **The One-Year** <br> **Fixed Account**<br>|
| **What Are the Risk** <br> **Related to** <br> **Insurance** <br> **Company?**<br>| &nbsp;&nbsp; An investment in the Contract is subject to the risks related to us. Any <br> obligations (including under the one-year fixed account) or guarantees and <br> benefits of the Contract that exceed the assets of the Separate Account <br> are subject to our claims-paying ability. If we experience financial distress, <br> we may not be able to meet our obligations to you. More information about <br> RiverSource Life, including our financial strength ratings, is available by <br> contacting us at 1-800-862-7919. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **The General** <br> **Account**<br>|

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RiverSource FlexChoice Variable Annuity — Summary Prospectus 7

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|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Are There** <br> **Restrictions on** <br> **the Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •Subject to certain restrictions, you may transfer your Contract value <br> among the subaccounts without charge at any time before the retirement <br> date and once per contract year after the retirement date.<br> •Certain transfers out of the GPAs will be subject to an MVA.<br> •GPAs and the one-year fixed account are subject to certain restrictions. <br> •We reserve the right to modify, restrict or suspend your transfer <br> privileges if we determine that your transfer activity constitutes market <br> timing.<br> •We reserve the right to add, remove or substitute Funds as investment <br> options. We also reserve the right, upon notification to you, to close or <br> restrict any Funds.  | &nbsp;&nbsp; **Making the Most** <br> **of Your Contract –** <br> **Transferring** <br> **Among Accounts**<br> **Substitution of** <br> **Investments**<br>|
| **Are There Any** <br> **Restrictions on** <br> **Contract** <br> **Benefits?**<br>| &nbsp;&nbsp; **Yes.** Certain optional benefits may limit allocations to the subaccounts <br> investing in the Money Market funds.  | &nbsp;&nbsp; **Optional** <br> **Benefits –** <br> **Optional Living** <br> **Benefits – GMIB –** <br> **Investment** <br> **Selection**<br> **Optional** <br> **Benefits –** <br> **Optional Living** <br> **Benefits – PCR –** <br> **Investment** <br> **Selection**<br>|
|  | **TAXES** |  |
| **What Are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp;&nbsp; •Consult with a tax advisor to determine the tax implications of an <br> investment in and payments and withdrawals received under this <br> Contract.<br> •If you purchase the Contract through a tax-qualified plan or individual <br> retirement account, you do not get any additional tax benefit.<br> •Earnings under your contract are taxed at ordinary income tax rates <br> generally when withdrawn. You may have to pay a tax penalty if you take <br> a withdrawal before age 59½. | **Taxes** |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Your investment professional may receive compensation for selling this <br> Contract to you, in the form of commissions, additional cash benefits (e.g., <br> bonuses), and non-cash compensation. This financial incentive may <br> influence your investment professional to recommend this Contract over <br> another investment for which the investment professional is not <br> compensated or compensated less. | &nbsp;&nbsp; **About the Service** <br> **Providers**<br>|
| **Should I Exchange** <br> **My Contract?**<br>| &nbsp;&nbsp; If you already own an annuity or insurance Contract, some investment <br> professionals may have a financial incentive to offer you a new Contract in <br> place of the one you own. You should only exchange a Contract you already <br> own if you determine, after comparing the features, fees, and risks of both <br> Contracts, that it is better for you to purchase the new Contract rather than <br> continue to own your existing Contract. | &nbsp;&nbsp; **Buying Your** <br> **Contract –** <br> **Contract** <br> **Exchanges**<br>|

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8 RiverSource FlexChoice Variable Annuity — Summary Prospectus

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Appendix A: Investment Options Available Under the Contract

The following is a list of funds available under the contract. More information about the funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at riversource.com. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversource.annuityservice@ampf.com.

The current expenses and performance information below reflects fee and expenses of the funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and** <br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio** <br> **[NET]** | **Average Annual Total Returns** <br> (as of 12/31/2024) | **Average Annual Total Returns** <br> (as of 12/31/2024) | **Average Annual Total Returns** <br> (as of 12/31/2024) |
| **Investment Objective** | **Fund and** <br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio** <br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks maximum total <br> investment return <br> through a combination <br> of capital growth and <br> current income.<br>| Columbia Variable Portfolio - Balanced Fund <br> (Class 3)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88% | &nbsp;&nbsp; 14.43% | &nbsp;&nbsp;&nbsp;&nbsp; 4.92% | &nbsp;&nbsp;&nbsp;&nbsp; 9.28% |
| Seeks to provide <br> shareholders with <br> capital appreciation.<br>| Columbia Variable Portfolio - Disciplined <br> Core Fund (Class 3)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.80% | &nbsp;&nbsp; 25.89% | &nbsp;&nbsp;&nbsp;&nbsp; 8.28% | &nbsp;&nbsp; 13.92% |
| Seeks to provide <br> shareholders with a high <br> level of current income <br> and, as a secondary <br> objective, steady growth <br> of capital.<br>| Columbia Variable Portfolio - Dividend <br> Opportunity Fund (Class 3)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.86%<sup>1</sup> <br>| &nbsp;&nbsp; 15.28% | &nbsp;&nbsp;&nbsp;&nbsp; 6.12% | &nbsp;&nbsp;&nbsp;&nbsp; 8.75% |
| Seeks to provide <br> shareholders with <br> maximum current <br> income consistent with <br> liquidity and stability of <br> principal.<br>| Columbia Variable Portfolio - Government <br> Money Market Fund (Class 3)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.49%<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp;&nbsp; 4.84% | &nbsp;&nbsp;&nbsp;&nbsp; 3.53% | &nbsp;&nbsp;&nbsp;&nbsp; 2.16% |
| Seeks to provide <br> shareholders with high <br> current income as its <br> primary objective and, <br> as its secondary <br> objective, capital <br> growth.<br>| Columbia Variable Portfolio - High Yield Bond <br> Fund (Class 3)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.77%<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.95% | &nbsp;&nbsp;&nbsp;&nbsp; 2.29% | &nbsp;&nbsp;&nbsp;&nbsp; 3.64% |
| Seeks to provide <br> shareholders with a high <br> level of current income <br> while attempting to <br> conserve the value of <br> the investment for the <br> longest period of time.<br>| Columbia Variable Portfolio - Intermediate <br> Bond Fund (Class 3)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.65% | &nbsp;&nbsp;&nbsp;&nbsp; 1.85% | &nbsp;&nbsp;&nbsp; (3.60%) | &nbsp;&nbsp;&nbsp;&nbsp; 0.08% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Columbia Variable Portfolio - Select Small <br> Cap Value Fund (Class 3)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.98%<sup>1</sup> <br>| &nbsp;&nbsp; 13.81% | &nbsp;&nbsp;&nbsp;&nbsp; 3.08% | &nbsp;&nbsp;&nbsp;&nbsp; 9.33% |

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RiverSource FlexChoice Variable Annuity — Summary Prospectus 9

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and** <br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio** <br> **[NET]** | **Average Annual Total Returns** <br> (as of 12/31/2024) | **Average Annual Total Returns** <br> (as of 12/31/2024) | **Average Annual Total Returns** <br> (as of 12/31/2024) |
| **Investment Objective** | **Fund and** <br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio** <br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks to provide <br> shareholders with <br> current income as its <br> primary objective and, <br> as its secondary <br> objective, preservation <br> of capital.<br>| Columbia Variable Portfolio - <br> U.S. Government Mortgage Fund (Class 3)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.59% | &nbsp;&nbsp;&nbsp;&nbsp; 1.44% | &nbsp;&nbsp;&nbsp; (2.81%) | &nbsp;&nbsp;&nbsp; (0.95%) |
| Seeks income and <br> capital growth <br> consistent with <br> reasonable risk.<br>| Fidelity<sup>®</sup> VIP Balanced Portfolio Service <br> Class 2<br> *Fidelity Management & Research Company* <br> *(the Adviser) is the fund's manager. Fidelity* <br> *Management & Research Company (UK)* <br> *Limited, Fidelity Management & Research* <br> *Company (Hong Kong) Limited, Fidelity* <br> *Management & Research Company (Japan)* <br> *Limited, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.67% | &nbsp;&nbsp; 15.58% | &nbsp;&nbsp; 10.57% | &nbsp;&nbsp;&nbsp;&nbsp; 9.35% |
| Seeks high total return <br> through a combination <br> of current income and <br> capital appreciation.<br>| Fidelity<sup>®</sup> VIP Growth & Income Portfolio <br> Service Class 2<br> *Fidelity Management & Research Company* <br> *(the Adviser) is the fund's manager. Fidelity* <br> *Management & Research Company (UK)* <br> *Limited, Fidelity Management & Research* <br> *Company (Hong Kong) Limited, Fidelity* <br> *Management & Research Company (Japan)* <br> *Limited, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.74% | &nbsp;&nbsp; 21.91% | &nbsp;&nbsp; 13.10% | &nbsp;&nbsp; 11.11% |
| Seeks to achieve capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Growth Portfolio Service <br> Class 2<br> *Fidelity Management & Research Company* <br> *(the Adviser) is the fund's manager. Fidelity* <br> *Management & Research Company (UK)* <br> *Limited, Fidelity Management & Research* <br> *Company (Hong Kong) Limited, Fidelity* <br> *Management & Research Company (Japan)* <br> *Limited, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.81% | &nbsp;&nbsp; 30.07% | &nbsp;&nbsp; 18.63% | &nbsp;&nbsp; 16.34% |
| Seeks long-term growth <br> of capital.<br>| Fidelity<sup>®</sup> VIP Mid Cap Portfolio Service <br> Class 2<br> *Fidelity Management & Research Company* <br> *(the Adviser) is the fund's manager. Fidelity* <br> *Management & Research Company (UK)* <br> *Limited, Fidelity Management & Research* <br> *Company (Hong Kong) Limited, Fidelity* <br> *Management & Research Company (Japan)* <br> *Limited, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.82% | &nbsp;&nbsp; 17.18% | &nbsp;&nbsp; 11.06% | &nbsp;&nbsp;&nbsp;&nbsp; 8.94% |
| Seeks capital <br> appreciation, with <br> income as a secondary <br> goal. Under normal <br> market conditions, the <br> fund invests primarily in <br> U.S. and foreign equity <br> securities that the <br> investment manager <br> believes are <br> undervalued.<br>| Franklin Mutual Shares VIP Fund - Class 2<br> *Franklin Mutual Advisers, LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.94% | &nbsp;&nbsp; 11.27% | &nbsp;&nbsp;&nbsp;&nbsp; 5.75% | &nbsp;&nbsp;&nbsp;&nbsp; 5.83% |

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10 RiverSource FlexChoice Variable Annuity — Summary Prospectus

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and** <br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio** <br> **[NET]** | **Average Annual Total Returns** <br> (as of 12/31/2024) | **Average Annual Total Returns** <br> (as of 12/31/2024) | **Average Annual Total Returns** <br> (as of 12/31/2024) |
| **Investment Objective** | **Fund and** <br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio** <br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term total <br> return. Under normal <br> market conditions, the <br> fund invests at least <br> 80% of its net assets in <br> investments of small <br> capitalization <br> companies.<br>| Franklin Small Cap Value VIP Fund - Class 2<br> *Franklin Mutual Advisers, LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.90%<sup>1</sup> <br>| &nbsp;&nbsp; 11.71% | &nbsp;&nbsp;&nbsp;&nbsp; 8.36% | &nbsp;&nbsp;&nbsp;&nbsp; 8.17% |
| Seeks long-term capital <br> growth. Under normal <br> market conditions, the <br> fund invests at least <br> 80% of its net assets in <br> investments of <br> small-capitalization and <br> mid-capitalization <br> companies.<br>| Franklin Small-Mid Cap Growth VIP Fund - <br> Class 2<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.08%<sup>1</sup> <br>| &nbsp;&nbsp; 11.04% | &nbsp;&nbsp;&nbsp;&nbsp; 9.75% | &nbsp;&nbsp;&nbsp;&nbsp; 9.32% |
| Non-diversified fund that <br> seeks capital growth.<br>| Invesco V.I. American Franchise Fund, <br> Series II Shares<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.10% | &nbsp;&nbsp; 34.56% | &nbsp;&nbsp; 15.56% | &nbsp;&nbsp; 13.88% |
| Seeks long-term growth <br> of capital.<br>| Invesco V.I. Core Equity Fund, Series II <br> Shares<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.05% | &nbsp;&nbsp; 25.29% | &nbsp;&nbsp; 12.07% | &nbsp;&nbsp;&nbsp;&nbsp; 9.15% |
| Seeks capital <br> appreciation.<br>| MFS<sup>®</sup> Investors Trust Series - Service Class<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.99%<sup>1</sup> <br>| &nbsp;&nbsp; 19.22% | &nbsp;&nbsp; 11.12% | &nbsp;&nbsp; 10.81% |
| Seeks capital <br> appreciation.<br>| MFS<sup>®</sup> New Discovery Series - Service Class<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.12%<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp;&nbsp; 6.44% | &nbsp;&nbsp;&nbsp;&nbsp; 4.71% | &nbsp;&nbsp;&nbsp;&nbsp; 8.92% |
| Seeks total return. | MFS<sup>®</sup> Total Return Series - Service Class<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.86%<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp;&nbsp; 7.46% | &nbsp;&nbsp;&nbsp;&nbsp; 5.89% | &nbsp;&nbsp;&nbsp;&nbsp; 6.20% |
| Seeks total return. | MFS<sup>®</sup> Utilities Series - Service Class<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.04%<sup>1</sup> <br>| &nbsp;&nbsp; 11.34% | &nbsp;&nbsp;&nbsp;&nbsp; 5.61% | &nbsp;&nbsp;&nbsp;&nbsp; 6.02% |
| Seeks high current <br> income consistent with <br> what the Investment <br> Manager believes to be <br> prudent risk.<br>| Putnam VT Income Fund - Class IB Shares<br> *Franklin Advisers, Inc. investment advisor.* <br> *Sub-advisers- Putnam Investment* <br> *Management, LLC and Franklin Templeton* <br> *Investment Management Limited*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85% | &nbsp;&nbsp;&nbsp;&nbsp; 2.32% | &nbsp;&nbsp;&nbsp; (1.41%) | &nbsp;&nbsp;&nbsp;&nbsp; 1.03% |
| Seeks capital <br> appreciation.<br>| Putnam VT International Equity Fund - <br> Class IB Shares<br> *Putnam Investment Management, LLC,* <br> *investment advisor. Sub-advisers- Franklin* <br> *Advisers, Inc., Franklin Templeton* <br> *Investment Management Limited and The* <br> *Putnam Advisory Company, LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.08% | &nbsp;&nbsp;&nbsp;&nbsp; 2.97% | &nbsp;&nbsp;&nbsp;&nbsp; 4.88% | &nbsp;&nbsp;&nbsp;&nbsp; 4.73% |
| Seeks capital growth <br> and current income.<br>| Putnam VT Large Cap Value Fund - Class IB <br> Shares<br> *Putnam Investment Management, LLC,* <br> *investment advisor; Sub-advisers- Franklin* <br> *Advisers, Inc. and Franklin Templeton* <br> *Investment Management Limited*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.80% | &nbsp;&nbsp; 19.14% | &nbsp;&nbsp; 12.45% | &nbsp;&nbsp; 10.88% |

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RiverSource FlexChoice Variable Annuity — Summary Prospectus 11

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and** <br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio** <br> **[NET]** | **Average Annual Total Returns** <br> (as of 12/31/2024) | **Average Annual Total Returns** <br> (as of 12/31/2024) | **Average Annual Total Returns** <br> (as of 12/31/2024) |
| **Investment Objective** | **Fund and** <br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio** <br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term capital <br> appreciation.<br>| Putnam VT Sustainable Leaders Fund - <br> Class IB Shares<br> *Putnam Investment Management, LLC,* <br> *investment advisor. Sub-advisers- Franklin* <br> *Advisers, Inc. and Franklin Templeton* <br> *Investment Management Limited*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88% | &nbsp;&nbsp; 23.02% | &nbsp;&nbsp; 13.72% | &nbsp;&nbsp; 13.50% |
| Seeks long-term capital <br> growth. Under normal <br> market conditions, the <br> fund invests at least <br> 80% of its net assets in <br> investments of issuers <br> located outside the <br> U.S., including those in <br> emerging markets.<br>| Templeton Foreign VIP Fund - Class 2<br> *Templeton Investment Counsel, LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.06%<sup>1</sup> <br>| &nbsp;&nbsp;&nbsp; (1.00%) | &nbsp;&nbsp;&nbsp;&nbsp; 2.60% | &nbsp;&nbsp;&nbsp;&nbsp; 2.38% |

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<sup>1</sup>

This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee waiver. The Fund's annual expenses reflect temporary fee reductions. Please see the Fund's prospectus for additional information.

The following is a list of investment options that earn fixed interest for a specified term currently available under the contract. We may change the features of the fixed interest options listed below and terminate existing options. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in certain fixed investment options. See "The 'Nonunitized' Separate Account and the Guarantee Period Accounts (GPAs)" and "The One-Year Fixed Account" in the prospectus for more information about the fixed interest investment options.

**Note: A positive or negative MVA is assessed if any portion of a GPA is withdrawn or transferred more than thirty days before the end of its guarantee period. This may result in a significant reduction in your contract value. See "Charges and Adjustments – Adjustments – Market Value Adjustments" in the prospectus for more information about the MVA.** 

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| | | |
|:---|:---|:---|
| **Name** | **Term**  | **Minimum** <br> **Guaranteed**<br> **Interest Rate**<br>|
| 2 Year Guarantee Period Account | 2 Years | 3.00% |
| 3 Year Guarantee Period Account | 3 Years | 3.00% |
| 4 Year Guarantee Period Account | 4 Years | 3.00% |
| 5 Year Guarantee Period Account | 5 Years | 3.00% |
| 6 Year Guarantee Period Account | 6 Years | 3.00% |
| 7 Year Guarantee Period Account | 7 Years | 3.00% |
| 8 Year Guarantee Period Account | 8 Years | 3.00% |
| 9 Year Guarantee Period Account | 9 Years | 3.00% |
| 10 Year Guarantee Period Account | 10 Years | 3.00% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below or terminate existing Fixed Options. We will provide you with written notice before doing so.

**Note: If amounts are withdrawn from a Fixed Option before the end of its term, we will not apply a contract adjustment.** 

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12 RiverSource FlexChoice Variable Annuity — Summary Prospectus

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| | | | |
|:---|:---|:---|:---|
| **Name** | **Term** | **Contract**<br> **Issue**<br> **Year**<br>| **Minimum**<br> **Guaranteed**<br> **Interest Rate\***<br>|
| One-Year Fixed Account | 1 Year | 2002 | 3.00% |
| One-Year Fixed Account | 1 Year | 2003 | &nbsp;&nbsp; 1.50% or<br> 2.00%/3.00%<sup>†</sup> or<br> 3.00%<br>|
| One-Year Fixed Account | 1 Year | 2004 | &nbsp;&nbsp; 1.50% or <br> 2.00% or<br> 2.00%/3.00%<sup>†</sup> or<br> 3.00%<br>|
| Special DCA Fixed Account | 6 Months | 2002 | 3.00% |
| Special DCA Fixed Account | 6 Months | 2003 | &nbsp;&nbsp; 1.50% or<br> 2.00%/3.00%<sup>†</sup> or<br> 3.00%<br>|
| Special DCA Fixed Account | 6 Months | 2004 | &nbsp;&nbsp; 1.50% or <br> 2.00% or<br> 2.00%/3.00%<sup>†</sup> or<br> 3.00%<br>|
| Special DCA Fixed Account | 1 Year | 2002 | 3.00% |
| Special DCA Fixed Account | 1 Year | 2003 | &nbsp;&nbsp; 1.50% or<br> 2.00%/3.00%<sup>†</sup> or<br> 3.00%<br>|
| Special DCA Fixed Account | 1 Year | 2004 | &nbsp;&nbsp; 1.50% or <br> 2.00% or<br> 2.00%/3.00%<sup>†</sup> or<br> 3.00%<br>|

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\*

Minimum guaranteed interest rates vary by Issue State and Issue Date. See your Contract Data Page for your applicable minimum guaranteed interest rate.

†

2.00% for 10 years and 3.00% thereafter

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RiverSource FlexChoice Variable Annuity — Summary Prospectus 13

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The prospectus and Statement of Additional Information (SAI) include additional information about the Contract. The prospectus and SAI, dated the same date as this summary prospectus, are incorporated by reference. The prospectus and SAI are available, without charge, upon request. For a free copy of the prospectus, SAI, or for more information about the Contract, call us at 1-800-862-7919, visit our website at riversource.com/annuities or write to us at: 70100 Ameriprise Financial Center Minneapolis, MN 55474.

![(RiverSource Annuity Logo)](g162222imgfc9680aa1.jpg)

RiverSource Life Insurance Company <br>70100 Ameriprise Financial Center <br>Minneapolis, MN 55474 <br>1-800-862-7919

USP9036_12_D02_(09/25)

Reports and other information about RiverSource Variable Annuity Account and RiverSource Life Insurance Company are available on the SEC's website at http://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

EDGAR Contract Identifier: C000044120; C000267006©2008-2025 RiverSource Life Insurance Company. All rights reserved.

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