# EDGAR Filing Document

**Accession Number:** 0000817132
**File Stem:** 0001193125-26-190110
**Filing Date:** 2026-4
**Character Count:** 146073
**Document Hash:** 0128bee5757ff6913b9e71f46ae684a4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-190110.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001193125-26-190110

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RIVERSOURCE OF NEW YORK ACCOUNT 8
- **CENTRAL INDEX KEY:** 0000817132

**ORGANIZATION NAME:**
- **EIN:** 000000000
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-227507
- **FILM NUMBER:** 26912185

**BUSINESS ADDRESS:**
- **STREET 1:** 50605 AMERIPRISE FINANCIAL CENTER
- **STREET 2:** H27/5229
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474
- **BUSINESS PHONE:** 6126784177

**MAIL ADDRESS:**
- **STREET 1:** 50605 AMERIPRISE FINANCIAL CENTER
- **STREET 2:** H27/5229
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55474

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** IDS LIFE OF NEW YORK ACCOUNT 8
- **DATE OF NAME CHANGE:** 19920703

## Series and Classes Contracts Data

### RIVERSOURCE OF NEW YORK ACCOUNT 8 (Series ID: S000003512)

| Class ID   | Class Name                                      | Ticker Symbol   |
|:---|:---|:---|
| C000206155 | RiverSource Variable Universal Life 6 Insurance |  |

*RiverSource*<sup>®</sup> Variable Universal Life 6 Insurance

INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICIES

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

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| | |
|:---|:---|
| **Issued by:** | **RiverSource Life Insurance Co. of New York (RiverSource Life of NY)** |
|  | &nbsp;&nbsp; 20 Madison Avenue Extension<br> Albany, NY 12203<br> Telephone: 1-800-541-2251<br> Website address: riversource.com/lifeinsurance<br> **RiverSource of New York Account 8**<br>|

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**Updating Summary Prospectus** 

**May 1, 2026** 

The Prospectus for the RiverSource Variable Universal Life 6 Insurance (VUL 6 – NY) (the Contract) 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/lifeinsurance. 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 life insurance, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 1

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**Table of Contents**

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

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| | |
|:---|:---|
| [Key Terms](#xx_00ecd5fe-6e75-4ef6-8af8-3f6a7c025f83_1) | 3 |
| [Updated Information About Your Policy](#xx_2aa3b68d-5dd6-408e-81df-55ae5ccbc8bd_1) | 6 |
| [Key Information Table](#xx_39096a56-a36f-41c7-9d58-5e5718e0ab3c_1) | 7 |
| [Other Benefits Available Under the Contract](#xx_601f4579-a249-4722-8a24-68594ab52d87_1) | 11 |
| &nbsp;&nbsp;&nbsp; [Additional Information About Optional Benefits](#xx_601f4579-a249-4722-8a24-68594ab52d87_7) | 17 |
| &nbsp;&nbsp;&nbsp; [Additional Information About Standard Benefits (Other than Standard Death Benefits)](#xx_601f4579-a249-4722-8a24-68594ab52d87_12) | 22 |
| &nbsp;&nbsp;&nbsp; [Changes to the Policies](#xx_601f4579-a249-4722-8a24-68594ab52d87_15) | 25 |
| [Appendix A: Funds Available Under the Policy](#xx_7e7ab970-5958-48a0-8339-0621a81c60e0_1) | 26 |

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2 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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Key Terms

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

**Accumulation Unit:** An accounting unit used to calculate the value of the Subaccounts.

**Attained Insurance Age:** The Insured's Insurance Age plus the number of Policy Anniversaries since the Policy Date. Attained Insurance Age changes only on a Policy Anniversary.

**Beneficiary:** The person(s) or entity(ies) designated to receive the death benefit Proceeds.

**Cash Surrender Value:** Proceeds received if you surrender the policy in full. The Cash Surrender Value equals the Policy Value minus Indebtedness and any applicable Surrender Charges.

**Close of Business:** The time the New York Stock Exchange (NYSE) closes, 4 p.m. Eastern time unless the NYSE closes earlier.

**Code:** The Internal Revenue Code of 1986, as amended.

**Death Benefit Valuation Date:** The date of the Insured's death when death occurs on a Valuation Date. If the Insured does not die on a Valuation Date, then the Death Benefit Valuation Date is the next Valuation Date following the date of the Insured's death.

**Duration:** The number of years a policy is in force. For example, Duration 1 is the first year the policy is in force and Duration 15 is the 15th year the policy is in force.

**Fixed Account:** The portion of the Policy Value that earns interest at a fixed rate not less than the guaranteed interest rate as shown under Policy Data.

**Fixed Account Value:** The portion of the Policy Value that you allocate to the Fixed Account, including Indebtedness.

**Full Surrender:** The withdrawal of the full Cash Surrender Value and termination of the policy.

**Funds:** Mutual funds or portfolios, each with a different investment objective. (See "The Variable Account and the Funds.") Each of the Subaccounts of the Variable Account invests in a specific one of these Funds.

**Good Order:** We cannot process your transaction request relating to the policy until we have received the request in Good Order at our Service Center. "Good Order" means the actual receipt of the requested transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in "Good Order," your instructions must be sufficiently clear so that we do not need to exercise any discretion to follow such instructions. This information and documentation generally includes your completed request; the policy number; the transaction amount (in dollars); the names of and allocations to and/or from the Subaccounts, the Indexed Accounts and the Fixed Account affected by the requested transaction; Social Security Number or Taxpayer Identification Number; and

any other information, forms or supporting documentation that we may require. For certain transactions, at our option, we may require the signature of all policy Owners for the request to be in Good Order. With respect to purchase requests, "Good Order" also generally includes receipt of sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirements at any time.

**Indebtedness:** All existing loans on the policy plus interest that has either been accrued or added to the policy loan.

**Indexed Account:** The portion of the Policy Value that has the ability to earn interest based on a change in the value of one or more designated indexes.

**Insurance Age:** The age of the Insured, based upon his or her nearest birthday on the date of the application.

**Insured:** The person whose life is insured by the policy.

**Lapse:** The policy ends without value and no death benefit is paid.

**Minimum Initial Premium**: The premium amount used to determine if the Minimum Initial Premium Guarantee is in effect. The Minimum Initial Premium is shown under Policy Data and depends on the Insured's Insurance Age, sex (unless unisex rates are required by law), Risk Classification, optional insurance benefits added by rider, the initial Specified amount and death benefit option.

**Minimum Initial Premium Guarantee(MIPG):** A feature of the policy guaranteeing that the policy will remain in force over the Minimum Initial Premium Guarantee Period as long as the Policy Value minus Indebtedness equals or exceeds the monthly deduction. This feature is in effect as long as certain premium payment requirements are met.

**Minimum Initial Premium Period**: The maximum duration the Minimum Initial Premium Guarantee can be in effect if all requirements are met. The Minimum Initial Premium Period is shown under Policy Data.

**Monthly Date:** The same day each month as the Policy Date. If there is no Monthly Date in a calendar month, the Monthly Date is the first day of the next calendar month.

**Net Amount at Risk:** A portion of the death benefit equal to the current death benefit divided by the guaranteed interest rate factor shown under Policy Data minus the Policy Value. This is the amount to which we apply cost of insurance rates in determining the monthly cost of insurance.

**Net Premium:** The premium paid minus the premium expense charge.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3

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**No-Lapse Guarantee (NLG):** A feature of the policy guaranteeing that the policy will remain in force over the No-Lapse Guarantee Period even if the Cash Surrender Value is insufficient to pay the monthly deduction. This feature is in effect as long as certain premium payment requirements are met.

**No-Lapse Guarantee Period:** The maximum duration the NLG can be in effect if the premium payment requirements are met. The No-Lapse Guarantee Period for the NLG is shown under Policy Data and depends on the Insured's Insurance Age.

**No-Lapse Guarantee Premium:** The premium amount used to determine if the NLG is in effect. The NLG Premium is shown under Policy Data and depends on the Insured's Insurance Age, sex (unless unisex rates are required by law), Risk Classification, optional insurance benefits added by rider, the initial Specified Amount and death benefit option.

**Owner:** The entities to which, or individuals to whom, we issue the policy or to whom you subsequently transfer ownership. The Owner is authorized to make changes to the policy and request transactions involving Policy Value. In the prospectus "you" and "your" refer to the Owner.

**Partial Surrender**: The withdrawal of an amount of the Policy Value that is less than the full Cash Surrender Value. Sometimes we refer to a Partial Surrender as a withdrawal.

**Policy Anniversary:** The same day and month as the Policy Date each year the policy remains in force.

**Policy Data:** The portion of the policy that includes specific information on your policy regarding your policy's benefits, amount and duration of guaranteed charges, premium information, and other benefit data applicable to the Insured.

**Policy Date:** The date we issue the policy and from which we determine policy anniversaries, policy years and policy months. The Policy Date is shown under Policy Data.

**Policy Value**: The sum of the Fixed Account Value plus the Variable Account Value.

**Proceeds:** The amount payable under the policy as follows:

• Upon death of the Insured prior to the date the Insured has reached Attained Insurance Age 120, Proceeds will be the death benefit option in effect as of the date of the Insured's death, minus any Indebtedness.

• Upon death of the Insured on or after the Insured has reached Attained Insurance Age 120, Proceeds will be the greater of:

—

the Policy Value on the date of the Insured's death minus any Indebtedness on the date of the Insured's death; or

—

the death benefit on the Insured's Attained Insurance Age 120 Policy Anniversary minus any

partial surrenders and partial surrender fees occurring after the Insured's Attained Insurance Age 120 Policy Anniversary.

• On Full Surrender of the policy, the Proceeds will be the Cash Surrender Value.

**Pro Rata Basis:** Method for allocating amounts to the Fixed Account and to each of the Subaccounts. It is proportional to the value (minus any Indebtedness in the Fixed Account and/or the value of the Fixed Account that is part of a Special Dollar-Cost Averaging ("SDCA") arrangement) that each bear to the total Policy Value minus Indebtedness, the values of the Indexed Accounts, and the value of the Fixed Account that is part of an SDCA arrangement.

**Risk Classification:** A group of Insureds that RiverSource Life of NY expects will have similar mortality experience.

**RiverSource Life of NY:** In this prospectus, "we," "us," "our" and "RiverSource Life of NY" refer to RiverSource Life Insurance Co. of New York.

**Scheduled Premium:** A premium you select at the time of application, of a level amount, at a fixed interval of time.

**Service Center:** Our department that processes all transaction and service requests for the policies. 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.

**Specified Amount:** An amount chosen by you that we use to determine the death benefit and the Proceeds payable upon death of the Insured prior to the Insured's Attained Insurance Age 120 Policy Anniversary. If death benefit option 1 is chosen, this is the amount of life insurance coverage you want. For death benefit option 2 and 3, this is the minimum amount of life insurance coverage. We show the initial Specified Amount you have chosen in your policy.

**Subaccounts:** Each Subaccount is a separate investment division of the Variable Account and invests in a particular portfolio or Fund.

**Surrender Charge:** A charge we assess against the Policy Value at the time of surrender, or if the policy Lapses, during the first ten years of the policy and for ten years after an increase in coverage.

**Valuation Date:** Any normal business day, Monday through Friday, on which the New York Stock Exchange (NYSE) is open, up to the time it closes, generally 4:00 PM Eastern Time. At the NYSE close, the next Valuation Date begins. We calculate the Accumulation Unit value of each Subaccount on each Valuation Date. If we receive your transaction request at our Service Center before the Close of Business, we will process your transaction using the Accumulation Unit value we calculate on the Valuation Date we received your transaction request in Good Order. On the other hand, if we receive your

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transaction request in Good Order at our Service Center at or after the Close of Business, we will process your transaction using the Accumulation Unit value we calculate on the next Valuation Date. If you make a transaction request by telephone (including by fax), you must have completed your transaction by the Close of Business in order for us to process it using the Accumulation Unit value we calculate on that Valuation Date. If you were not able to complete your transaction before the Close of Business for any reason, including telephone service interruptions or delays due to high call volume, we will process your transaction using the Accumulation Unit value we calculate on the next Valuation Date.

**Valuation Period:** The interval that commences at the Close of Business on each Valuation Date and goes up to the Close of Business on the next Valuation Date.

**Variable Account:** RiverSource of New York Variable Life Separate Account consisting of Subaccounts, each of which invests in a particular Fund. The Policy Value in each Subaccount depends on the performance of the particular Fund.

**Variable Account Value:** The sum of the values that you allocate to the Subaccounts of the Variable Account.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5

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Updated Information About Your Policy

**UNDERLYING FUNDS** 

• Effective June 28, 2025, Neuberger Berman AMT Sustainable Equity Portfolio changed its name to Neuberger Berman Quality Equity Portfolio.

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6 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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Key Information Table

Important Information You Should Consider About the Policy

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| | | | | |
|:---|:---|:---|:---|:---|
|  | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Charges for Early** <br> **Withdrawals**<br>| &nbsp;&nbsp; If you surrender your policy for its full Cash Surrender Value, or the policy <br> Lapses, during the first ten years and for ten years after requesting an <br> increase in the Specified Amount, you will incur a surrender charge. The <br> Surrender Charges are set based on various factors such as the Insured's <br> Insurance Age (or Attained Insurance Age at the time of a requested <br> increase in the Specified Amount), Risk Classification, and the number of <br> years the policy has been in force (or for the number of years from the <br> effective date of an increase in the Specified Amount).<br> The maximum initial Surrender Charge rate that would be charged on any <br> policy would be $47.50per $1,000 of Initial Specified Amount. Therefore, <br> if a Full Surrender occurs on a policy that was issued with a $1,000,000 <br> Initial Specified Amount, the maximum initial Surrender Charge would be <br> $47,500 which is $47.50 times $1,000,000 divided by 1,000.<br> The surrender charges are shown under the Policy Data page of your policy. | &nbsp;&nbsp; If you surrender your policy for its full Cash Surrender Value, or the policy <br> Lapses, during the first ten years and for ten years after requesting an <br> increase in the Specified Amount, you will incur a surrender charge. The <br> Surrender Charges are set based on various factors such as the Insured's <br> Insurance Age (or Attained Insurance Age at the time of a requested <br> increase in the Specified Amount), Risk Classification, and the number of <br> years the policy has been in force (or for the number of years from the <br> effective date of an increase in the Specified Amount).<br> The maximum initial Surrender Charge rate that would be charged on any <br> policy would be $47.50per $1,000 of Initial Specified Amount. Therefore, <br> if a Full Surrender occurs on a policy that was issued with a $1,000,000 <br> Initial Specified Amount, the maximum initial Surrender Charge would be <br> $47,500 which is $47.50 times $1,000,000 divided by 1,000.<br> The surrender charges are shown under the Policy Data page of your policy. | &nbsp;&nbsp; If you surrender your policy for its full Cash Surrender Value, or the policy <br> Lapses, during the first ten years and for ten years after requesting an <br> increase in the Specified Amount, you will incur a surrender charge. The <br> Surrender Charges are set based on various factors such as the Insured's <br> Insurance Age (or Attained Insurance Age at the time of a requested <br> increase in the Specified Amount), Risk Classification, and the number of <br> years the policy has been in force (or for the number of years from the <br> effective date of an increase in the Specified Amount).<br> The maximum initial Surrender Charge rate that would be charged on any <br> policy would be $47.50per $1,000 of Initial Specified Amount. Therefore, <br> if a Full Surrender occurs on a policy that was issued with a $1,000,000 <br> Initial Specified Amount, the maximum initial Surrender Charge would be <br> $47,500 which is $47.50 times $1,000,000 divided by 1,000.<br> The surrender charges are shown under the Policy Data page of your policy. | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges**<br>|
| **Transaction** <br> **Charges**<br>| &nbsp;&nbsp; In addition to surrender charges, you may also incur charges on other <br> transactions, such as a premium expense charge, partial surrender <br> charge, express mail fee, electronic fund transfer fee, and fees imposed <br> when exercising your rights under the Accelerated Benefit Rider for <br> Terminal Illness, Overloan Protection Benefit, Accidental Death Benefit <br> Rider and the Accounting Value Increase. If you take a loan against the <br> policy, you will be charged a loan interest rate on any outstanding balance <br> until the loan is paid off. | &nbsp;&nbsp; In addition to surrender charges, you may also incur charges on other <br> transactions, such as a premium expense charge, partial surrender <br> charge, express mail fee, electronic fund transfer fee, and fees imposed <br> when exercising your rights under the Accelerated Benefit Rider for <br> Terminal Illness, Overloan Protection Benefit, Accidental Death Benefit <br> Rider and the Accounting Value Increase. If you take a loan against the <br> policy, you will be charged a loan interest rate on any outstanding balance <br> until the loan is paid off. | &nbsp;&nbsp; In addition to surrender charges, you may also incur charges on other <br> transactions, such as a premium expense charge, partial surrender <br> charge, express mail fee, electronic fund transfer fee, and fees imposed <br> when exercising your rights under the Accelerated Benefit Rider for <br> Terminal Illness, Overloan Protection Benefit, Accidental Death Benefit <br> Rider and the Accounting Value Increase. If you take a loan against the <br> policy, you will be charged a loan interest rate on any outstanding balance <br> until the loan is paid off. | **Fee Tables** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in <br> the policy is subject to certain ongoing fees and expenses, including fees <br> and expenses covering the cost of insurance under the policy and the cost <br> of the following riders if elected as optional benefits available under the <br> policy: Accounting Value Increase Rider, Accidental Death Benefit Rider, <br> Children's Insurance Rider, Waiver of Monthly Deduction Rider, Waiver of <br> Premium Rider and the *AdvanceSource* Accelerated Benefit for *CI* if they <br> are elected as optional benefits available under the policy. Such fees and <br> expenses are set based on various factors such as the Insured's Risk <br> Classification, Insurance Age, sex and the number of years the policy is in <br> force. You should review the rates, fees and charges under the Policy Data <br> page of your policy.<br> You will also bear expenses on the Policy Value in Indexed Accounts at an <br> annual rate of 0.60% applied monthly.<br> You will also bear expenses associated with the Funds offered under the <br> policy, as shown in the following table: | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in <br> the policy is subject to certain ongoing fees and expenses, including fees <br> and expenses covering the cost of insurance under the policy and the cost <br> of the following riders if elected as optional benefits available under the <br> policy: Accounting Value Increase Rider, Accidental Death Benefit Rider, <br> Children's Insurance Rider, Waiver of Monthly Deduction Rider, Waiver of <br> Premium Rider and the *AdvanceSource* Accelerated Benefit for *CI* if they <br> are elected as optional benefits available under the policy. Such fees and <br> expenses are set based on various factors such as the Insured's Risk <br> Classification, Insurance Age, sex and the number of years the policy is in <br> force. You should review the rates, fees and charges under the Policy Data <br> page of your policy.<br> You will also bear expenses on the Policy Value in Indexed Accounts at an <br> annual rate of 0.60% applied monthly.<br> You will also bear expenses associated with the Funds offered under the <br> policy, as shown in the following table: | &nbsp;&nbsp; In addition to surrender charges and transaction charges, an investment in <br> the policy is subject to certain ongoing fees and expenses, including fees <br> and expenses covering the cost of insurance under the policy and the cost <br> of the following riders if elected as optional benefits available under the <br> policy: Accounting Value Increase Rider, Accidental Death Benefit Rider, <br> Children's Insurance Rider, Waiver of Monthly Deduction Rider, Waiver of <br> Premium Rider and the *AdvanceSource* Accelerated Benefit for *CI* if they <br> are elected as optional benefits available under the policy. Such fees and <br> expenses are set based on various factors such as the Insured's Risk <br> Classification, Insurance Age, sex and the number of years the policy is in <br> force. You should review the rates, fees and charges under the Policy Data <br> page of your policy.<br> You will also bear expenses on the Policy Value in Indexed Accounts at an <br> annual rate of 0.60% applied monthly.<br> You will also bear expenses associated with the Funds offered under the <br> policy, as shown in the following table: | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | &nbsp;&nbsp; Underlying Fund options<br> (Funds fees and expenses)<sup>(1)</sup><br>| 0.26% | 2.07% | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges** |
| **Ongoing Fees and** <br> **Expenses (annual** <br> **charges)** | <sup>(1)</sup> As a percentage of fund assets. | <sup>(1)</sup> As a percentage of fund assets. | <sup>(1)</sup> As a percentage of fund assets. | &nbsp;&nbsp; **Fee Tables**<br> **Transaction Fees**<br> **Base Policy** <br> **Charges** |
|  | **RISKS** | **RISKS** | **RISKS** |  |
| **Risk of Loss** | You can lose money by investing in this policy including loss of principal. | You can lose money by investing in this policy including loss of principal. | You can lose money by investing in this policy including loss of principal. | **Principal Risks** |

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 7

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Not a Short-Term** <br> **Investment**<br>| &nbsp;&nbsp; The policy is not suitable as a short-term investment and is not appropriate <br> for an investor who needs ready access to cash.<br> The policy is a long-term investment that is primarily intended to provide a <br> death benefit that we pay to the Beneficiary upon the Insured's death.<br> Your policy has little or no Cash Surrender Value in the early policy years. <br> During early policy years the Cash Surrender Value may be less than the <br> premiums you pay for the policy.<br> Your ability to take partial surrenders is limited. You cannot take partial <br> surrenders during the first policy year. | **Principal Risks** |
| **Risks Associated** <br> **with Investment** <br> **Options**<br>| &nbsp;&nbsp; An investment in the policy 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 policy.<br> Each investment option (including the Fixed Account and the Indexed <br> Accounts) has its own unique risks.<br> You should review the investment options before making an investment <br> decision.<br> If the death benefit is option 2, the death benefit could decrease from the <br> death benefit on the previous Valuation Date due to adverse investment <br> experience. | &nbsp;&nbsp; **Principal Risks**<br> **The Variable** <br> **Account and the** <br> **Funds**<br>|
| **Insurance** <br> **Company Risks**<br>| &nbsp;&nbsp; An investment in the policy is subject to the risks related to RiverSource <br> Life of NY. Any obligations (including under the Fixed Account) and the <br> Indexed Accounts or guarantees and benefits of the policy that exceed the <br> assets of the Variable Account are subject to RiverSource Life of NY's <br> claims-paying ability. If RiverSource Life of NY experiences financial <br> distress, RiverSource Life of NY may not be able to meet their obligations <br> to you. More information about RiverSource Life of NY, including their <br> financial strength ratings, is available by contacting RiverSource Life of NY <br> at 1-800-541-2251.<br> Additional information regarding the financial strength of RiverSource Life <br> of NY can be accessed at: strengthandsoundness.com. | &nbsp;&nbsp; **Principal Risks**<br> **The General** <br> **Account**<br>|
| **Policy Lapse** | &nbsp;&nbsp; Insufficient premium payments, fees and expenses, poor investment <br> performance, full and partial surrenders, and unpaid loans or loan interest <br> may cause the policy to Lapse. There is a cost associated with reinstating <br> a Lapsed policy. Death benefits will not be paid if the policy has Lapsed. <br> Your policy may not Lapse if the No Lapse Guarantee or the Minimum Initial <br> Premium Guarantee is in effect. Also, your policy enters a grace period <br> before Lapsing, allowing you additional time to pay the amount required to <br> keep the policy in force. | &nbsp;&nbsp; **Keeping the Policy** <br> **in Force**<br>|

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8 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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| | | |
|:---|:---|:---|
|  | **RESTRICTIONS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Investments** | &nbsp;&nbsp;&nbsp;&nbsp; •We reserve any right to limit transfers of value from a Subaccount to <br> one or more Subaccounts or to the Fixed Account to five per policy year, <br> and we may suspend or modify this transfer privilege at any time with <br> the necessary approval of the Securities and Exchange Commission.<br>• Your transfers among the Subaccounts are subject to policies designed <br> to deter market timing.<br>• The minimum transfer amount from an investment option is $50, if <br> automated, and $250 by mail or telephone.<br>• On the Insured's Attained Insurance Age 120 anniversary, any Policy <br> Value in the Subaccounts will be transferred to the Fixed Account and <br> may not be transferred to any Subaccount or Indexed Account.<br>• You may only transfer into and out of the Fixed Account on a Policy <br> Anniversary, unless you automate such transfers.<br>• Restrictions into and out of the Indexed Accounts apply.<br> • We reserve the right to close, merge or substitute Funds as investment <br> options.<br>• We also reserve the right, upon notification to you, to close or restrict <br> any Funds. We will obtain any necessary approval of the Securities and <br> Exchange Commission.<br>• We generally limit purchase payments in excess of $1,000,000. | &nbsp;&nbsp; **Transfers Among** <br> **the Fixed** <br> **Account, Indexed** <br> **Accounts and** <br> **Subaccounts** <br> **Substitution of** <br> **Investments**<br> **Optional** <br> **Benefits —** <br> **Investment** <br> **Allocation** <br> **Restrictions for** <br> **Certain Benefit** <br> **Riders**<br>|
| **Optional Benefits** | &nbsp;&nbsp;&nbsp;&nbsp; •  • **Accelerated Benefit Rider for Terminal Illness (ABRTI)**: The ABRTI <br> has certain conditions that must be satisfied to exercise the benefit of <br> these riders. <br>• **Accidental Death Benefit Rider (ADB)**: The ADB is not available for all <br> Insurance Ages or Risk Classifications that would be Insured under the <br> base policy. The ADB has termination dates prior to the termination date <br> of the base policy. The ADB has certain conditions that must be <br> satisfied to exercise the benefit of these riders.<br>• **Automatic Increase Benefit Rider (AIBR)**: The AIBR is only available at <br> policy issuance. The AIBR is not available for all Insurance Ages or Risk <br> Classifications that would be Insured under the base policy. The AIBR <br> has termination dates prior to the termination date of the base policy. <br>• **Children's Insurance Rider (CIR)**: The CIR is not available for all <br> Insurance Ages or Risk Classifications that would be Insured under the <br> base policy. The CIR has termination dates prior to the termination date <br> of the base policy. The CIR provides death benefit proceeds on someone <br> other than the Insured of the base policy.<br>• **Waiver of Monthly Deduction Rider (WMD)**: The WMD is not available <br> for all Insurance Ages or Risk Classifications that would be Insured <br> under the base policy. The WMD has termination dates prior to the <br> termination date of the base policy. The WMD has certain conditions <br> that must be satisfied to exercise the benefit of these riders. <br>• **Waiver of Premium Rider (WP)**: The WP is not available for all Insurance <br> Ages or Risk Classifications that would be Insured under the base <br> policy. The WP has termination dates prior to the termination date of the <br> base policy. The WP has certain conditions that must be satisfied to <br> exercise the benefit of these riders. <br>• **AdvanceSource Accelerated Benefit Rider - for Chronic** <br> **Illness (ASR-*CI*)**: The ASR-CI is only available at policy issuance. The <br> ASR-CI is not available for all Insurance Ages or Risk Classifications that <br> would be Insured under the base policy. The ASR-CI has certain <br> conditions that must be satisfied to exercise the benefit of these riders. | &nbsp;&nbsp; **Additional** <br> **Information About** <br> **Standard Benefits** <br> **(Other than** <br> **Standard Death** <br> **Benefits)**<br>|

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 9

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| | | |
|:---|:---|:---|
|  | **TAXES** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Tax Implications** | &nbsp;&nbsp;&nbsp;&nbsp; •You should consult with a tax professional to determine the tax <br> implications of an investment in and payments received under the policy.<br>• If you purchased the policy through a tax-qualified plan, there is no <br> additional tax deferral benefit under the policy. Earnings under your <br> policy are taxed at ordinary income tax rates when withdrawn.<br>• If your policy is a modified endowment contract, you may have to pay a <br> 10% tax penalty if you take a withdrawal of earnings before age 59½. | **Taxes** |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment** <br> **Professional** <br> **Compensation**<br>| &nbsp;&nbsp; In general, we pay selling firms and their sales representatives' <br> compensation for selling the policy.<br> In addition to commissions, we may, in order to promote sales of the <br> policies, pay or provide selling firms with other promotional incentives in <br> cash, credit or other compensation. These promotional incentives or <br> reimbursements may be calculated as a percentage of the selling firm's <br> aggregate, net or anticipated sales and/or total assets attributable to <br> sales of the policy, and/or may be a fixed dollar amount. Selling firms and <br> their sales representatives may have a financial incentive to recommend <br> the policy over another investment. | &nbsp;&nbsp; **Distribution of the** <br> **Policy**<br>|
| **Exchanges** | &nbsp;&nbsp; If you already own an insurance policy, some financial representatives may <br> have a financial incentive to offer you a new policy in place of one you <br> already own. You should only exchange an existing policy if you determine, <br> after comparing the features, fees and risks of both policies, that it is <br> better for you to purchase the new policy rather than continue to own your <br> existing policy. | &nbsp;&nbsp; **For additional** <br> **information, see** <br> **1035 exchanges** <br> **under Other Tax** <br> **Considerations**<br>|

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10 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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Other Benefits Available Under the Contract

In addition to the standard death benefit(s) associated with your contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table.

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Accelerated** <br> **Benefit Rider for** <br> **Terminal Illness** <br> **(ABRTI)**<br>| The ABRTI allows the Owner to withdraw <br> part of the death benefit if the Insured <br> becomes terminally ill.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •Death benefit can only be accelerated <br> if the Insured is diagnosed as <br> terminally ill as defined in the rider.<br>• The accelerated benefit creates a lien <br> against the policy's death benefit and <br> interest will be added to the lien as it <br> accrues.<br>• At the Insured's death, the policy's <br> Beneficiary would receive only the <br> death benefit remaining after the lien <br> has been deducted.<br>|
| **Accidental Death** <br> **Benefit (ADB)**<br>| The Accidental Death Benefit rider <br> provides for an additional death benefit <br> if the Insured's death is caused by <br> accidental injury prior to the Attained <br> Insurance Age70Policy Anniversary.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •ADB is available for Insureds Issue <br> Ages 5-65.<br>• ADB will only pay the additional <br> accidental death benefit if the <br> Insured's death is caused by <br> accidental injury prior to the Insured's <br> Attained Insurance Age70Policy <br> Anniversary.<br>• Death must occur within 90 days of <br> the accidental injury to be considered <br> for the accidental death benefit.<br>|
| **Automatic** <br> **Increase Benefit** <br> **Rider (AIBR)**<br>| The Automatic Increase Benefit Rider <br> (AIBR) provides for an increase in the <br> Specified Amount on each Policy <br> Anniversary without evidence of <br> insurability. The amount of the increase <br> will be based on a percentage of the <br> Specified Amount in effect at the time of <br> the increase. The percent is chosen by <br> the policy Owner at the time of <br> application.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •AIBR is only available at issue.<br> • AIBR is available to Insureds Issue <br> Ages 0–60.<br>• AIBR cannot be added to policies with <br> an Insured that has a substandard <br> Risk Classification.<br>• The automatic increase percent <br> cannot be changed once the policy <br> has been issued.<br>• The lifetime maximum amount of all <br> automatic increases combined is <br> $750,000.<br>• The AIBR will terminate at the earlier <br> of:<br>• The Insurance Attained Insurance Age <br> 65Policy Anniversary, or<br>• The date the lifetime maximum of <br> $750,000 is reached, or<br>• The date the policy owner rejects an <br> automatic increase, or<br>• The date the policy owner requests a <br> decrease in the Specified Amount, <br> (Partial Surrenders and death benefit <br> option changes that result in a <br> decrease in Specified Amount do not <br> cause the rider to terminate), or<br>• When the policy owner requests to <br> have the rider removed, or<br>• The date the policy terminates for any <br> reason.<br>|

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 11

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|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Children's** <br> **Insurance Rider** <br> **(CIR)**<br>| The Children's Insurance Rider (CIR) <br> provides level term coverage on each <br> eligible child.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •CIR is available for Insureds Issue <br> Ages 16-60. <br>• CIR provides insurance on the <br> Insured's children ages 15 days to <br> 19 years at issue and any children <br> born after issue and prior to the <br> Insured's Attained Insurance Age65<br> Policy Anniversary.<br>• Coverage on a child will expire on the <br> earlier of the child's 22nd birthday or <br> the Insured's Attained Insurance Age <br> 65Policy Anniversary.<br>|
| **Overloan** <br> **Protection** <br> **Benefit (OPB)**<br>| Protects the policy from Lapsing as a <br> result of the loan balance exceeding the <br> Policy Value when certain conditions are <br> met.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •OPB can only be exercised if the <br> death benefit option 1 is in effect.<br>• The policy must be in force for at <br> least 15 years before the OPB can be <br> exercised.<br>• The policy may not be in the grace <br> period to exercise the OPB.<br>|
| **Waiver of** <br> **Monthly** <br> **Deduction** <br> **(WMD)**<br>| Under WMD, we will waive the monthly <br> deduction if the Insured becomes totally <br> disabled for a period of 180 consecutive <br> days when certain requirements are <br> met.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •WMD is available for Insureds Issue <br> Ages 20-55.<br>• Insured must be totally disabled for <br> 180 days or longer prior to the <br> Insured's Attained Insurance Age65<br> Policy Anniversary to claim benefits.<br>• Monthly deductions will be waived for <br> a limited period of time if total <br> disability begins on or after the <br> Insured's Attained Insurance Age60<br> Policy Anniversary but before the <br> Insured's Attained Insurance Age65<br> Policy Anniversary.<br>• During a period of total disability, the <br> Specified Amount of the policy cannot <br> be increased, the death benefit <br> option cannot be changed and <br> increases in benefits under the policy <br> or any riders attached to it will not be <br> allowed.<br>• If the rider and policy are in force and <br> the rider is not on claim on the <br> Insured's Attained Insurance Age65<br> Policy Anniversary, the rider will <br> automatically terminate.<br>|

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12 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Waiver of** <br> **Premium (WP)**<br>| The Waiver of Premium (WP) rider <br> provides that if the Insured becomes <br> totally disabled and total disability <br> continues for a period of 180 <br> consecutive days, RiverSource Life will <br> add to the Policy Value the specified <br> premium as shown on the Policy Data <br> page, or waive the monthly deduction for <br> the policy, whichever is higher.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •WP is available for Insureds Issue <br> Ages 20-55.<br>• Insured must be totally disabled for <br> 180 days or longer prior to the <br> Insured's Attained Insurance Age65<br> Policy Anniversary to claim benefits.<br>• Benefits will be applied for a limited <br> period of time if total disability begins <br> on or after the Insured's Attained <br> Insurance Age60Policy Anniversary <br> but before the Insured's Attained <br> Insurance Age65Policy Anniversary.<br>• During a period of total disability, the <br> Specified Amount of the policy cannot <br> be increased, the death benefit <br> option cannot be changed and <br> increases in benefits under the policy <br> or any riders attached to it will not be <br> allowed.<br>• If the rider and policy are inforce and <br> the rider is not on claim on the <br> Insured's Attained Insurance Age65<br> Policy Anniversary, the rider will <br> automatically terminate.<br>|
| **Accounting Value** <br> **Increase Rider** <br> **(AVIR)**<br>| If the policy is fully surrendered while <br> the rider is in force and prior to the <br> expiration date of the rider, we will waive <br> a portion of the Surrender Charge.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •AVIR is only available at issue.<br> • This rider is only available in limited <br> situations, determined at time of <br> underwriting.<br>• Surrender Charges will not be waived <br> if the policy is being surrendered in <br> exchange for a new insurance policy <br> or contract.<br>|

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 13

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|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| ***AdvanceSource*** <br> **Accelerated** <br> **Benefit Rider for** <br> **Chronic Illness** <br> **(ASR-CI)**<br>| ASR-CI provides a rider payment to the <br> Insured, as an acceleration of the <br> policy's death benefit, if the Insured <br> becomes a Chronically Ill Individual who <br> receives Qualified Long-term Care <br> Services.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •ASR is only available at issue.<br> • ASR is available for Insureds Issue <br> Ages 0-79.<br>• The ASR Specified Amount must be <br> between 20% and 100% of the policy <br> Specified Amount.<br>• The minimum ASR Specified Amount <br> is $50,000. <br>• The minimum Specified Amount of the <br> policy with an ASR is $100,000. <br>• ASR can be issued to Insureds rated <br> substandard up to and including Table <br> D.<br>• ASR is only available on policies that <br> are death benefit option 1.<br>• Benefits under the rider will only be <br> paid if the Insured is classified as <br> Chronically Ill, as defined in the rider, <br> for at least 90 days.<br>• Benefits will not be provided under <br> this rider during the first six months <br> for qualified long-term care services <br> received by the Insured due to a <br> pre-existing condition.<br>• The rider does not cover services <br> provided by a facility or an agency <br> that does not meet the rider definition <br> of such facility or agency.<br>• Certain policy transactions are not <br> allowed while the Insured is on ASR <br> claim. This includes transfers from <br> the Fixed Account to the Subaccounts <br> or indexed accounts, partial <br> surrenders, and additional loans.<br>• The ASR does not include inflation <br> projection coverage.<br>|

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14 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Automated** <br> **Transfers**<br>| Automated transfer arrangements allow <br> you to set up periodic transfers at a set <br> interval (i.e. monthly, quarterly, etc.) <br> from one investment option to one or <br> more investment option(s) under the <br> policy.<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; •Only one automated transfer <br> arrangement can be in effect at any <br> time.<br>• Only one account can be used as the <br> source of funds in the automatic <br> transfer arrangement.<br>• The Indexed Accounts may not be <br> used as the source of funds for any <br> automated transfer arrangement.<br>• If the Fixed Account is the source of <br> funds, you cannot set up an <br> automated transfer amount that <br> would deplete the Fixed Account in <br> less than 12 months.<br>• If the value of the source of funds <br> account is less than the requested <br> automated transfer amount, that <br> occurrence of the automated transfer <br> will not process.<br>• The minimum automatic transfer <br> amount is $50.<br>• You must allow seven days for us to <br> change any automated transfer <br> arrangement instructions that are <br> currently in place.<br>• If you made a transfer from the Fixed <br> Account to one or more Subaccounts, <br> you may not make a transfer from <br> those Subaccounts back to the Fixed <br> Account until the next Policy <br> Anniversary.<br>|

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 15

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|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Automated** <br> **Dollar-Cost** <br> **Averaging (DCA)**<br>| A DCA arrangement is an automated <br> transfer arrangement designed to help <br> you benefit from fluctuations in <br> Accumulation Unit values caused by <br> fluctuations in the market values of the <br> underlying Funds. Under a DCA <br> arrangement, since you invest the same <br> amount each period, you automatically <br> acquire more units when market values <br> fall, fewer units when it rises. The <br> potential effect is to lower your average <br> cost per unit. There is no charge for <br> DCA.<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; •Only one automated transfer <br> arrangement can be in effect at any <br> time.<br>• Only one account can be used as the <br> source of funds in the automatic <br> transfer arrangement.<br>• If the Fixed Account is the source of <br> funds, you cannot set up an <br> automated transfer amount that <br> would deplete the Fixed Account in <br> less than 12 months.<br>• If the value of the source of funds <br> account is less than the requested <br> automated transfer amount, that <br> occurrence of the automated transfer <br> will not process.<br>• The minimum automatic transfer <br> amount is $50.<br>• You must allow seven days for us to <br> change any automated transfer <br> arrangement instructions that are <br> currently in place.<br>• If you made a transfer from the Fixed <br> Account to one or more Subaccounts, <br> you may not make a transfer from <br> those Subaccounts back to the Fixed <br> Account until the next Policy <br> Anniversary.<br>|
| **Special** <br> **Dollar-Cost** <br> **Averaging** <br> **(SDCA)**<br>| An SDCA arrangement is an automated <br> transfer arrangement designed to help <br> you benefit from fluctuations in <br> Accumulation Unit values caused by <br> fluctuations in the market values of the <br> underlying Funds. Under an SDCA <br> arrangement, net Premiums and/or <br> Policy Value is allocated to the SDCA <br> portion of the Fixed Account. These <br> amounts are then subsequently <br> transferred, on a monthly basis and over <br> a 12-month period, to accounts <br> according to the premium allocation <br> currently in effect at the time of each <br> transfer. The potential effect of this <br> option is that it may allow you to lower <br> your average cost per unit. There is no <br> charge for SDCA.<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; •The Fixed Account is the source of <br> funds.<br>• The minimum SDCA transfer amount <br> is $50.<br>• If an SDCA transfer amount is <br> allocated to one or more <br> Subaccounts, you may not make a <br> transfer from those Subaccounts <br> back to the Fixed Account until the <br> next Policy Anniversary.<br>|
| **Asset** <br> **Rebalancing**<br>| The asset rebalancing feature <br> automatically transfers Policy Value <br> between Subaccounts at set intervals <br> (i.e. monthly, quarterly, etc.) to <br> correspond to your chosen allocation <br> percentages among Subaccounts.<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; •The Policy Value reallocated must be <br> at least $2,000 at the time the asset <br> rebalancing is set up.<br>• Asset rebalancing does not apply to <br> Policy Value in the Fixed Account.<br>• Asset rebalancing must occur <br> quarterly, semiannually or annually.<br>• You must allow 30 days for us to <br> change any asset rebalancing <br> instructions that currently are in <br> place.<br>|

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16 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is the Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of Restrictions /** <br> **Limitations**<br>|
| **Paid Up** <br> **Insurance Option**<br>| You may request that we use the Cash <br> Surrender Value of the policy to <br> purchase an amount of paid-up <br> insurance prior to the youngest <br> Insured's Attained Insurance Age120.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •When the Paid-Up Insurance option is <br> elected, you will forfeit all rights to <br> make future premium payments and <br> all riders will terminate.<br>• The paid-up insurance policy's death <br> benefit amount, minus its Cash <br> Surrender Value, cannot be greater <br> than your current policy's death <br> benefit, minus its Policy Value (both <br> as of the date of the paid-up <br> insurance policy's purchase).<br>|

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Additional Information About Optional Benefits

When you purchase your policy, you may add any available optional benefits to your policy in the form of riders for an additional charge (unless otherwise noted).

**Accelerated Benefit Rider for Terminal Illness (ABRTI).** If the Insured is terminally ill and death is expected to occur within six months, the rider provides that you can withdraw a portion of the death benefit prior to death.

*Example:* 

Jane Doe purchases a policy with a $500,000 Specified Amount and the Accelerated Benefit Rider for Terminal Illness (ABR-TI). Jane receives a terminal illness diagnosis as defined in the policy. She elects to receive an advance of the death benefit under the ABR-TI. At that time, there are no outstanding loans on the policy and the Specified Amount is $500,000. She elects to receive the maximum lump sum amount available to be accelerated which is 50% x $500,000 = $250,000. A one time administrative charge equal to $500 will be paid to us using an additional accelerated benefit and increasing the total accelerated benefit. The total accelerated benefit will create a lien against the policy that will be charged interest as described in the policy. The interest charged will be paid by additional accelerated benefits and will be added to the total accelerated benefit. The policy's Proceeds payable to the Beneficiary at the time of Jane's death will be the base policy death benefit less the total accelerated death benefit.

**Accidental Death Benefit Rider (ADB).** ADB provides an additional death benefit if the Insured's death is caused by accidental injury.

*Example:* 

Jane Doe purchases a base policy with a $500,000 Specified Amount and includes an Accidental Death Benefit (ADB) rider with an accidental death benefit equal to $100,000. Prior to Jane's Attained Insurance Age 70 Policy Anniversary, she dies within 180 days of an accidental injury and her death was a direct result of the accidental injury. The total Proceeds payable to the Beneficiary will be $600,000 which is equal to the base policy Proceeds of $500,000 plus the accidental death benefit of $100,000.

**Automatic Increase Benefit Rider (AIBR).** AIBR provides an increase in the Specified Amount at a designated percentage on each Policy Anniversary until the earliest of the Insured's Attained Insurance Age 65 or the occurrence of certain other events, as described in the rider.

*Example:* 

Jane Doe purchases a base policy with a $500,000 Specified Amount and the Automatic Increase Benefit Rider (AIBR) of 5%. On the first policy anniversary, the Specified Amount will increase to $525,000 which is the original Specified Amount of $500,000 times 1.05. A similar increase will automatically occur on each Policy Anniversary and no evidence of insurability will be required. The maximum amount of each annual increase is $25,000 and the lifetime maximum of all annual increases combined is $750,000. Automatic increases will occur until the earlier of Jane's Attained Insurance Age 65 Policy Anniversary or the lifetime maximum increase is reached.

**Children's Insurance Rider (CIR):** CIR provides level term coverage on each eligible child.

*Example:* 

John Doe purchases a base policy and the Children's Insurance Rider with a rider benefit amount equal to $8,000. Jane Doe is the Insured of the base policy and John is the owner. All of Jane's children, as defined in the policy, are insured under this rider. If a child of Jane's dies prior to the child's 22nd birthday and Jane's Attained Insurance Age 65 Policy Anniversary, the $8,000 rider benefit will be paid to John.

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 17

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**Overloan Protection Benefit (OPB).** The overloan protection benefit prevents the policy from Lapsing due to the loan balance exceeding Policy Value. The OPB is included with new policies. The feature may be exercised by the policy Owner when all of the following conditions are met:

• The policy has been in force for at least 15 years; and

• The Insured's Attained Insurance Age is at least 75 but not greater than 95; and

• Policy Indebtedness must be greater than the Specified Amount and greater than or equal to the Indebtedness percentage shown under Policy Data; and

• The Cash Surrender Value is sufficient to pay the exercise charge; and

• The death benefit option in effect is option 1; and

• The policy has not yet entered the grace period; and

• The policy is not a modified endowment contract, as defined by Section 7702A of the Internal Revenue Code, and exercising the benefit does not cause the policy to become a modified endowment contract; and

• No current or future distributions will be required from the policy to maintain its qualification for treatment as a life insurance policy under the Internal Revenue Code; and

• The sum of Partial Surrenders taken to date are greater than or equal to the amount that can be withdrawn from the policy without creating adverse tax consequences.

If all of the above conditions have been met, the policy owner may submit a written request to exercise the benefit to prevent the policy from entering the grace period. The benefit will become effective on the next monthly anniversary following receipt of request. Exercising the benefit is irrevocable.

A onetime charge to exercise the benefit will be deducted from Policy Value. The charge is a percentage of the Policy Value that will not exceed the maximum exercise charge of 3%.

Once the OPB has been exercised, the following changes to the base policy will occur:

1. The policy becomes a paid-up life insurance policy and no additional premium payments will be required, nor will any premium payments be accepted; however, loan repayments will be accepted.

2. Monthly deductions will no longer be taken.

3. Partial Surrenders will no longer be available.

4. Additional loans will no longer be available.

5. Any outstanding loan will remain and interest will be charged at the current loan interest rate as shown under Policy Data.

6. The NLG will no longer be in effect and cannot be reinstated.

7. The death benefit option cannot be changed.

8. Changes to the Specified Amount will no longer be allowed.

9. Any riders attached to the policy will terminate.

Once the benefit has been exercised, the death benefit will be the applicable percentage from the Death Benefit Percentage Table as shown under Policy Data, multiplied by Policy Value or Indebtedness, whichever is greater. At the time of the exercise, this means the Death Benefit will decrease by as much as the one-time OPB exercise charge, which is currently 3%, multiplied by applicable percentage from the Death Benefit Percentage Table as shown under Policy Data. This may result in a significant reduction in the Proceeds payable upon death of the last surviving Insured. The OPB will terminate upon termination of the policy. If the policy terminates and is later reinstated, the OPB will also be reinstated with the policy. When the OPB is available to exercise, a notification will be sent to the policy owner. Once the benefit is exercised, a notification listing the changes to the policy will be sent to the policy owner.

*Example:* 

Jane Doe purchases a base policy with a $1,500,000 Specified Amount, death benefit option 1, and the Overloan Protection Benefit (OPB). At the beginning of the 16th policy year:

&nbsp;&nbsp;&nbsp;&nbsp;• Jane is Attained Insurance Age 80.

&nbsp;&nbsp;&nbsp;&nbsp;• Premiums paid to date equal $700,000.

&nbsp;&nbsp;&nbsp;&nbsp;• Partial Surrenders and Partial Surrender Charges amounting to $700,000 have been taken.

&nbsp;&nbsp;&nbsp;&nbsp;• The current Specified Amount is $800,000 (the initial Specified Amount minus the Partial Surrenders and Partial Surrender Charges to date).

&nbsp;&nbsp;&nbsp;&nbsp;• The Policy Value is $850,000.

&nbsp;&nbsp;&nbsp;&nbsp;• There is outstanding Indebtedness equal to $820,000.

&nbsp;&nbsp;&nbsp;&nbsp;• The death benefit is 892,500 which is the greater of the Specified Amount and the Policy Value times 1.05 which is the applicable percentage for the Death Benefit Percentage Table.

&nbsp;&nbsp;&nbsp;&nbsp;• The Proceeds payable upon death of the Insured at this point in time would be $72,500 which is the death benefit

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18 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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of $892,500 minus the outstanding Indebtedness of $820,000.

At this point, Jane decides to exercise his OPB to prevent the policy from lapsing. The exercise of the OPB will result in the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No more premium payments are required, nor will premium payments be accepted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The policy will be assessed a one-time OPB exercise charge of $25,500 resulting in an updated Policy Value of $824,500.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Outstanding Indebtedness remains at $820,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan repayments will still be accepted.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The new death benefit immediately after the exercise will be $865,725 which is the greater of the updated Policy Value or outstanding Indebtedness times 1.05.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Proceeds payable upon death of the Insured would now be $45,725 which is the new death benefit of $865,725 minus the outstanding Indebtedness of $820,000.

**Waiver of Monthly Deduction Rider (WMD).** Under WMD, we will waive the monthly deduction for a period of time if the Insured becomes totally disabled.

In addition:

• If total disability begins on or after Attained Insurance Age 60 Policy Anniversary but before Attained Insurance Age 65 Policy Anniversary, the monthly deduction will be waived for a limited period of time; and

• WMD also includes a waiver for involuntary unemployment benefit where monthly deductions may be waived up to 12 months.

*Example*:

Jane Doe purchases a base policy and the Waiver of Monthly Deduction rider. At Attained Insurance Age 55, Jane becomes totally disabled (as defined in the policy) and meets the requirements of the rider to qualify for waiver of the monthly deductions under the rider. We will waive the monthly deduction of the policy, this rider and all other riders attached to the policy. For any month that the monthly deduction is being waived, any Minimum Initial Premium and No-Lapse Guarantee Premium for that monthly will be zero. Since the disability began prior to Jane's Attained Insurance Age 60 Policy Anniversary, we will waive monthly deductions until either Jane is no longer considered totally disabled or John's Attained Insurance Age 120 Policy Anniversary.

**Waiver of Premium Rider (WP).** Under WP, if total disability begins before Attained Insurance Age 60, prior to Attained Insurance Age 65 we will add the specified premium shown under Policy Data in the policy to the Policy Value or waive the monthly deduction if higher. On or after Attained Insurance Age 65, we will waive the monthly deduction.

In addition, WP also includes a waiver for involuntary unemployment benefit where monthly deductions may be waived up to 12 months.

*Example:* 

Jane Doe purchases a base policy and the Waiver of Premium rider with a $150 per month specified premium. At age 55, Jane becomes totally disabled (as defined in the policy) and meets the requirements of the rider to qualify for benefits under the rider. As long as Jane remains totally disabled, prior to Jane's Attained Insurance Age 65 Policy Anniversary, we will add the greater of the WP specified premium or the monthly deduction to the policy value each month. After Jane's Attained Insurance 65 Policy Anniversary, we will add the monthly deduction to the policy value each month. Since the disability began prior to Jane's Attained Insurance Age 60 Policy Anniversary, we will continue to pay the rider benefit until either Jane is no longer considered totally disabled or Jane's Attained Insurance Age 120 Policy Anniversary.

**Accounting Value Increase Rider (AVIR):** If the policy is fully surrendered while the rider is in force and prior to the expiration of the rider at the end of the eighth policy year, we will waive a portion of the Surrender Charge. The percentage waived is set at issue and applies to all AVIRs. The percentage waived is shown in the table below.

Please note the following about AVIR:

• The amount waived is a percentage of the Surrender Charge that would apply to the initial Specified Amount.

• The waiver does not apply to any Surrender Charge due to increases in Specified Amount, or to Partial Surrenders.

• Surrender Charges will not be waived if the policy is being surrendered in exchange for a new insurance policy or contract.

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 19

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During the surrender charge period of the policy, the percentage waived at Full Surrender is shown below:

---

| | |
|:---|:---|
| **Policy Years(s)** | **% of Surrender Charge Waived** |
| 1 - 4 | 100% |
| 5 | 80% |
| 6 | 65% |
| 7 | 50% |
| 8 | 35% |
| 9+ | 0% |

---

*Example*:

Jane Doe purchases a base policy with a $500,000 Specified Amount and the Accounting Value Increase Rider (AVIR). Jane decides to do a Full Surrender in the sixth policy year when the Policy Value is $60,000 and the Surrender Charge is $8,500. Due to the AVIR, instead of paying the Surrender Charge of $8,500, we will waive 65%, or $5,525, resulting in an actual Surrender Charge of $2,975. Therefore, the final Proceeds payable upon Surrender would be $57,025 which is the $60,000 Policy Value minus the actual Surrender Charge of $2,975.

**Paid Up Insurance Option:** You may request that we use the Cash Surrender Value of the policy to purchase an amount of paid-up insurance prior to the Insured's Attained Insurance Age 120. You may make your request in writing during the 30 days before any Policy Anniversary. The paid-up insurance policy will take effect as of the Policy Anniversary and will mature on the original policy's Insured's Attained Insurance Age 120. You will forfeit all rights to make future premium payments and all riders will terminate.

The amount and Cash Surrender Value of the paid-up insurance policy will be based on the cost of insurance rates guaranteed in the policy and on the Fixed Account guaranteed interest rate. The paid-up insurance policy's death benefit amount, minus its Cash Surrender Value, cannot be greater than your current policy's death benefit, minus its Policy Value (both as of the date of the paid-up insurance policy's purchase). The amount of paid-up insurance will remain level and will not be less than required by law.

Any Cash Surrender Value that is not used to purchase the paid-up insurance amount will be paid to you. At any time before the Insured's death, you may surrender the paid-up insurance for its Cash Surrender Value.

**AdvanceSource Accelerated Benefit Rider** 

*Key terms used in the* ***AdvanceSource Accelerated Benefit Rider*** section are describe below.

**AdvanceSource Accelerated Benefit Rider for Chronic Illness (ASR-CI).** ASR-CI provides a rider payment to the Accelerated Benefit Insured, as an acceleration of the policy's death benefit, if the Accelerated Benefit Insured becomes a Chronically Ill Individual who receives Qualified Long-term Care Services.

Please note the following about the ASR-CI:

• This rider is only available for policies purchased under the Option 1 death benefit.

• At the request of you or the Accelerated Benefit Insured the accelerated benefit under this rider will be paid each month, limited by the maximum monthly benefit to the Accelerated Benefit Insured or to any individual authorized to act on behalf of the Accelerated Benefit Insured.

• These payments are subject to certain limitations and satisfaction of eligibility requirements which include the following: 1) A current written eligibility certification from a Licensed Health Care Practitioner that certifies the Accelerated Benefit Insured is a Chronically Ill Individual; and 2) Proof that the Accelerated Benefit Insured received or is receiving Qualified Long-term Care Services pursuant to a Plan of Care; and 3) Proof that the Elimination Period has been satisfied; and 4) Written Notice of Claim and Proof of Loss, as described in the "Claim Provisions" section of the policy, in a form satisfactory to us.

• We will begin Monthly Benefit Payments under this rider when the Eligibility for the Payment of Benefits Conditions are met and a claim for benefits has been approved by us. The ASR-CI does not include inflation protection coverage and therefore the benefit level will not increase over time. Because the costs of long-term care services will likely increase over time, you should consider whether and how the benefits of the ASR-CI may be adjusted.

• Monthly Benefit Payments paid will also change other values of the life insurance policy as provided in the rider such as Policy Value less Indebtedness, Surrender Charges and monthly No-Lapse Guarantee premiums.

*Example:* 

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20 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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Jane Doe purchases a base policy with a $500,000 Specified Amount and the AdvanceSource Rider with a rider Specified Amount of $150,000 and a 3% Monthly Benefit Percent. Jane qualifies and starts to receive Qualified Long-Term Care Services. Once the elimination period is complete, we will pay the monthly benefit equal to the lesser of:

&nbsp;&nbsp;&nbsp;&nbsp;• Rider Specified Amount x Monthly Benefit Percent ($150,000 x 3% = $4,500);

&nbsp;&nbsp;&nbsp;&nbsp;• Remaining Amount to be Accelerated; or

&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Monthly Benefit Limit.

When benefit payments begin, all policy value in Subaccounts will be transferred to the Fixed Account, future premium payments will be allocated to the Fixed Account and no transfers to the Subaccounts can be made during a period of coverage.

Immediately after a monthly benefit payment under the rider, the base policy Specified Amount will be reduced by the amount of the rider benefit amount. Other values of the policy will also be adjusted after each payment as described in the rider form.

The Rider's remaining amount to be accelerated will decrease after each monthly payment is made.

Under the ASR-CI the monthly benefit payment will be made to the insured.

**Key terms for the AdvanceSource Accelerated Benefit Rider:** 

The following key terms are associated with the AdvanceSource Accelerated Benefit Riders:

**Accelerated Benefit Insured:** This person is the Insured of the policy to which an *AdvanceSource* rider is attached.

**Adult Day Care:** A program that provides a protective environment and preventive, remedial and restorative services for part of the 24-hour day.

**Adult Day Care Center:** A place that is licensed to provide Adult Day Care by the state. If not licensed, it must meet certain criteria listed in an *AdvanceSource* rider.

***AdvanceSource* Rider Specified Amount:** The maximum death benefit amount that may be accelerated under an *AdvanceSource* rider. This amount is chosen in your application for the rider and is shown in the "policy data" section of the policy.

**Assisted Living Facility:** A facility that provides ongoing care and related services to inpatients in one location. In some states, if the facility is not licensed or accredited to provide such care, it must meet certain criteria listed in an *AdvanceSource* rider.

**Chronically Ill Individual:** An individual who has been certified by a Licensed Health Care Practitioner as being unable to perform (without substantial assistance from another person) at least two activities of daily living for a period of at least 90 days due to a loss of functional capacity; or requiring Substantial Supervision to protect such individual from threats to health and safety due to Cognitive Impairment.

**Cognitive Impairment:** A deficiency in a person's short-term memory; orientation as to person, place, and time; deductive or abstract reasoning; or judgment as it relates to safety awareness.

**Eligibility for the Payment of Benefits Conditions:** Eligibility requirements for claim payments include the following: 1) A current written eligibility certification from a Licensed Health Care Practitioner that certifies the Accelerated Benefit Insured is a Chronically Ill Individual; and 2) Proof that the Accelerated Benefit Insured received or is receiving Qualified Long-term Care Services pursuant to a Plan of Care; and 3) Proof that the Elimination Period has been satisfied; and 4) Written Notice of Claim and Proof of Loss, as described in the "Claim Provisions" section of the rider.

**Elimination Period:** The number of days of Qualified Long-term Care Services that are required while an *AdvanceSource* rider is in force before any benefit is available under this rider. The Elimination Period is shown in the "policy data" section of the policy. The dates of service need not be continuous; however, the Elimination Period must be satisfied within a period of 730 consecutive days. The Elimination Period must be satisfied only once while the rider is in force. Benefits will not be retroactively paid for the Elimination Period. The Elimination Period may vary by state. Please see your rider for further details.

**Home Health Care:** Personal assistance and care provided by a Home Health Care Provider in a private home or by an Adult Day Care Center.

**Home Health Care Provider:** An agency or person who provides Home Health Care.

**Hospital:** A place which, by law, provides care and treatment for sick or injured persons as resident bed patients.

**Licensed Health Care Practitioner:** A physician, a registered nurse, a licensed social worker, or any other individual who meets the requirements as may be prescribed by the U.S. Secretary of the Treasury.

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 21

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**Long-term Care Facility:** A facility, other than the acute care unit of a Hospital, that provides skilled nursing care, intermediate care, or custodial care, and is licensed by the appropriate state licensing agency or if not licensed maintains a registered nurse or licensed practical nurse on duty at all times to supervise a 24-hour nursing service, a doctor to supervise the operation of the facility, a planned program of policies and procedures that were developed with the advice of a professional group including at least one doctor or nurse, and a doctor available to furnish emergency medical care. Please note that some states have different requirements regarding what types of facilities may be considered long term care facilities. Please see your *AdvanceSource* rider for further details.

**Monthly Benefit Payment:** The amount paid for a calendar month of Qualified Long-term Care Services.

**Monthly Benefit Percent:** The percentage of the specified amount used to determine the maximum Monthly Benefit Payment under the *AdvanceSource* Rider. The percentage (1%, 2% or 3%) is elected at issue and shown in the "policy data" section of the policy.

**Notice of Claim:** The written notice required to be submitted in order to start a claim.

**Proof of Loss:** A signed form with a written statement and additional documentation needed by us in order to pay benefits under an *AdvanceSource* rider to the Accelerated Benefit Insured.

**Qualified Long-term Care Services:** Necessary diagnostic, preventive, therapeutic, curing, treating, mitigating and rehabilitative services, and maintenance or personal care services, which are:

1. required for treatment of a Chronically Ill Individual; and

2. provided pursuant to a Plan of Care prescribed by a Licensed Health Care Practitioner; and

3. provided in a Long-term Care Facility, an Assisted Living Facility, an Adult Day Care Center, or by a Home Health Care Provider.

**Substantial Supervision:** Continual supervision (which may include cuing by verbal prompting, gestures, or other demonstrations) by another person that is necessary to protect the severely cognitively impaired individual from threats to his or her health or safety (such as may result from wandering).

Additional Information About Standard Benefits (Other than Standard Death Benefits)

In addition to the standard death benefits, other standard benefits are included with your policy at no additional cost, as described further below.

**Automated Transfers:** You can arrange to have Policy Value transferred from one account to another automatically. Only one automated transfer arrangement can be in effect at any time. You can transfer all or part of the value of a Subaccount to one or more of the other Subaccounts, one or more of the Indexed Accounts and/or to the Fixed Account. You can transfer all or part of the Fixed Account Value, minus Indebtedness, to one or more of the Subaccounts and/or one or more of the Indexed Accounts. Only one account can be used as the source of funds for any automated transfer arrangement. The Indexed Accounts may not be used as the source of funds for any automated transfer arrangement. If the Fixed Account is the source of funds for the arrangement, you cannot set up an automated transfer amount that would deplete the Fixed Account in less than 12 months. There is no such restriction on automated transfer arrangements that transfer value from the Fixed Account to one or more of the Indexed Accounts only.

The minimum automated transfer amount is $50. On the date of a transfer, if the Policy Value in the source of funds account is less than the amount to be transferred under the arrangement, the transfer will not be processed.

If your policy has entered a transfer restriction period that will last for 12 months, during this period transfers from the Fixed Account or the Subaccounts to any Indexed Account will not be allowed. Any automated transfer arrangement that moves money to an Indexed Account will be terminated. Premiums and loan repayments allocated to an Indexed Account during this period will be redirected to the Fixed Account.

If you made a transfer from the Fixed Account to one or more Subaccounts, you may not make a transfer from those Subaccounts back to the Fixed Account until the next Policy Anniversary.

You may make automated transfers by choosing a schedule we provide. You must allow seven days for us to change any automated transfer arrangement instructions that are currently in place.

*Example:* 

The example below illustrates how an automated transfer arrangement works.

Jane Doe purchases a base policy. She makes a one-time premium payment at issue of $120,000 and allocates it all to the Fixed Account. She sets up an automated transfer arrangement to transfer $10,000 a month from the Fixed Account equally into two subaccounts over a 12-month period. The following shows the transaction that will automatically take place each of the next 12 months.

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22 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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---

| | | | |
|:---|:---|:---|:---|
| **Policy Value Transferring Into or Out of Each Account** | **Policy Value Transferring Into or Out of Each Account** | **Policy Value Transferring Into or Out of Each Account** | **Policy Value Transferring Into or Out of Each Account** |
| **Frequency** | **Fixed Account** | **Subaccount #1** | **Subaccount #2** |
| Monthly | -10,000 | +5,000 | +5,000 |

---

**Dollar-Cost Averaging:** Dollar-cost averaging involves investing a fixed amount at regular intervals. For example, you might have a set amount transferred monthly from a relatively conservative Subaccount to a more aggressive one, or to several others. This systematic approach can help you benefit from fluctuations in Accumulation Unit values caused by fluctuations in the market values of the underlying Fund. Since you invest the same amount each period, you automatically acquire more units when the market value falls, fewer units when it rises. The potential effect is to lower your average cost per unit. There is no charge for dollar-cost averaging.

*Example:* 

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| By investing an equal number<br> of dollars each month…<br>|  | **Month** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Amount**<br> **Invested**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Accumulation**<br> **Unit Value**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Number**<br> **of Units**<br> **Purchased**<br>|
|  |  | &nbsp;&nbsp;&nbsp; Jan | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.00 |
|  |  | &nbsp;&nbsp;&nbsp; Feb | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.56 |
| you automatically buy<br> more units when the<br> per unit market price is low… |  | &nbsp;&nbsp;&nbsp; Mar | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.88 |
| you automatically buy<br> more units when the<br> per unit market price is low… | &nbsp;&nbsp; → | &nbsp;&nbsp;&nbsp; Apr | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.67 |
|  |  | &nbsp;&nbsp;&nbsp; May | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.25 |
|  |  | &nbsp;&nbsp;&nbsp; June | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.56 |
|  |  | &nbsp;&nbsp;&nbsp; July | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.88 |
| and fewer units<br> when the per unit<br> market price is high. |  | &nbsp;&nbsp;&nbsp; Aug | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.26 |
| and fewer units<br> when the per unit<br> market price is high. | &nbsp;&nbsp; → | &nbsp;&nbsp;&nbsp; Sept | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.76 |
|  |  | &nbsp;&nbsp;&nbsp; Oct | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 100 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.00 |

---

You have paid an average price of only $17.91 per unit over the ten months, while the average market price actually was $18.10.

Dollar-cost averaging does not guarantee that any Subaccount will gain in value, nor will it protect against a decline in value if market prices fall. Because this strategy involves continuous investing, your success with dollar-cost averaging will depend upon your willingness to continue to invest regularly through periods of low price levels.

**Special Dollar-Cost Averaging (SDCA)**: Under an SDCA arrangement, you may allocate SDCA allocations to the SDCA portion of the Fixed Account. SDCA allocations will be transferred out over a period of time, currently 12 months. SDCA transfers will automatically occur monthly on each Monthly Date anytime there is value in the SDCA portion of the Fixed Account. SDCA transfers will be allocated to Subaccounts, Indexed Accounts or the non-SDCA portion of the Fixed Account according to the premium allocation in effect at the time of each transfer.

You may cancel an SDCA arrangement at any time by transferring the remaining value allocated to the SDCA arrangement to any other account. Any Fixed Account transfer rules will apply to such transfers. We reserve the right to discontinue the ability to allocate additional amounts to the SDCA arrangement. If this occurs, SDCA transfers will continue as described for any previous SDCA allocations that are already part of an SDCA arrangement. We also reserve the right to make another account available as the account to which SDCA allocations are allocated to and/or offer additional transfer periods (e.g. 6-months or 9-months).

An SDCA arrangement does not guarantee that any Subaccount or other Policy Value will gain in value, nor will it protect against a decline in Policy Value if market prices fall. Because this strategy involves continuous investing, your success with SDCA will depend upon your willingness to continue to invest regularly through periods of low-price levels. For further information regarding SDCA, see "Special Dollar-Cost Averaging".

**Asset Rebalancing:** Subject to availability, you can set up an asset rebalancing arrangement to reallocate the variable Subaccount portion of your Policy Value according to the percentages (in whole percentage amounts) that you choose. The Policy Value must be at least $2,000 at the time the arrangement is set up. Asset rebalancing does not apply to the Fixed Account or Indexed Accounts. We automatically will rebalance the variable Subaccount portion of your Policy Value quarterly, semiannually or annually. The period you select will start to run on the date you specify. On the first Valuation Date of each of these periods, we automatically will rebalance your Policy Value so that the value in each Subaccount matches your current Subaccount percentage allocations. We rebalance by transferring Policy Value between Subaccounts. You can change your percentage allocations or your rebalancing period at any time. We will restart the rebalancing period you selected as of the date you specify. You may discontinue the asset rebalancing arrangement at any time. There is no charge for asset rebalancing.

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 23

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*Example:* 

John Doe purchases a base policy and requests quarterly automatic asset rebalancing. The following shows what transactions will take place on a quarterly asset rebalancing date to reallocate the $200,000 value in the Subaccounts according to the chosen Subaccount percentage allocations.

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Accounts** | **Asset** <br> **Rebalance** <br> **Subaccount** <br> **Percentage** <br> **Allocations**<br>| **Policy Value** <br> **before Asset** <br> **Rebalancing**<br>| **Asset** <br> **Rebalancing** <br> **Transactions** <br> **between**<br> **Subaccounts**<br>| **Policy Value** <br> **after Asset** <br> **Rebalancing**<br>|
| **Fixed Account** |  | $50000 |  | $50000 |
| **Indexed Account #1** |  | $50000 |  | $50000 |
| **Subaccount #1** | 50% | $120000 | -$20000 | $100000 |
| **Subaccount #2** | 25% | $45000 | +$5,000 | $50000 |
| **Subaccount #3** | 25% | $35000 | +15,000 | $50000 |
| **Total Policy Value** |  | $300000 |  | $30000 |

---

**Minimum Initial Premium Guarantee, No Lapse Guarantee**. For additional information about these standard benefits, please see the corresponding headings under "Keeping the Policy in Force."

**Policy Value Credit.** We may periodically apply a policy value credit to your Policy Value. The requirements that must be met to receive any policy value credit are shown under the policy data section of the policy. The amount of the policy value credit is determined by multiplying the policy value credit percentage times the Policy Value minus any Indebtedness at the time the calculation is made. We reserve the right to calculate and apply any policy value credit annually, quarterly or monthly.

Any policy value credit will be allocated according to your premium allocation percentages in effect. Any policy value credit is nonforfeitable, except indirectly due to any applicable Surrender Charge.

We reserve the right to change the policy value credit percentage based on our expectations of future investment earnings, persistency, expenses, and/or federal and state tax assumptions. However, it will never be less than zero.

*Example:* 

Jane Doe purchases a base policy with a $500,000 Specified Amount. The current policy value credit is an annual rate of 0.30% applied quarterly in policy years 11 and later. On the 14<sup>th</sup> Policy Anniversary the Policy Value is $60,000 and outstanding Indebtedness is $10,000. A Policy Value Credit of ($60,000 - $10,000) x 0.30% / 4 = $37.50 is applied to the policy and allocated to the Fixed Account, Indexed Account(s) and Subaccounts according to the premium allocations in effect.

**Exchange for a Fixed Benefit Policy**. For two years after the policy is issued, we may allow you to exchange your policy for a life insurance policy with benefits that do not vary with the investment experience of the Subaccounts ("Fixed Benefit Policy"). This is accomplished by a transfer of all of the value in the Subaccounts to the Fixed Account and/or Indexed Account(s) without charge. The rules for transferring from the Subaccounts to the Fixed Account following a Fixed Account to Subaccount transfer will be waived only once.

Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insured and at the time of the exchange will have the same Policy Date and issue age and a death benefit at least as great as the initial death benefit of your policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the policy through the effective date of the exchange and may have tax consequences. An exchange will be effective when we receive a written request in Good Order.

*Example:* 

John Doe lives in California and is the Owner and Insured of a variable universal life insurance policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the Funds in which the Variable Account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the company's requirements, John has up to twelve more months to exchange his variable policy for a fixed policy without the company requiring evidence of insurability.

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24 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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Changes to the Policies

We reserve the right to do any of the following:

• make any changes necessary to maintain the status of the policy as life insurance under the Code;

• make other changes required under federal or state law relating to life insurance;

• suspend or discontinue sale of the policies; and

• comply with applicable law.

We will give you any required notice and receive any regulatory approval before we make any of these changes.

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 25

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Appendix A: Funds Available Under the Policy

The following is a list of funds available under the policy. 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/insurance. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversourceannuityservice@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 policy 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.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term growth <br> of capital<br>| AB VPS Large Cap Growth Portfolio (Class A)<br> *AllianceBernstein L.P.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.65% | &nbsp;&nbsp;&nbsp; 13.13% | &nbsp;&nbsp; 12.04% | &nbsp;&nbsp;&nbsp; 16.17% |
| Seeks long-term capital <br> appreciation.<br>| Allspring VT Opportunity Fund (Class 1)<sup>1</sup> <br>*Allspring Funds Management, LLC, adviser;* <br> *Allspring Global Investments, LLC,* <br> *subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 7.00% | &nbsp;&nbsp;&nbsp;&nbsp; 9.22% | &nbsp;&nbsp;&nbsp; 12.13% |
| Seeks long-term capital <br> appreciation.<br>| Allspring VT Small Cap Growth Fund <br> (Class 1)<br> *Allspring Funds Management, LLC, adviser;* <br> *Allspring Global Investments, LLC,* <br> *subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.91% | &nbsp;&nbsp;&nbsp;&nbsp; 9.55% | &nbsp;&nbsp;&nbsp; (0.70%) | &nbsp;&nbsp;&nbsp; 10.22% |
| The Portfolio seeks <br> investment results that <br> correspond (before fees <br> and expenses) generally <br> to the price and yield <br> performance of its <br> underlying index, the <br> Alerian Midstream <br> Energy Select Index (the <br> "Index").<br>| ALPS \| Alerian Energy Infrastructure Portfolio <br> (Class I)<br> *ALPS Advisors, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.95% | &nbsp;&nbsp;&nbsp;&nbsp; 5.09% | &nbsp;&nbsp; 22.54% | &nbsp;&nbsp;&nbsp; 11.11% |
| Seeks high total <br> investment return.<br>| BlackRock Global Allocation V.I. Fund <br> (Class I)<br> *BlackRock Advisors, LLC, adviser; BlackRock* <br> *(Singapore) Limited and BlackRock* <br> *International Limited, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.76%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 19.80% | &nbsp;&nbsp;&nbsp;&nbsp; 5.79% | &nbsp;&nbsp;&nbsp;&nbsp; 7.59% |
| Seeks to achieve a <br> competitive total return <br> through an actively <br> managed portfolio of <br> stocks, bonds and <br> money market <br> instruments which offer <br> income and capital <br> growth opportunity.<br>| Calvert VP SRI Balanced Portfolio (Class I)<sup>3</sup> <br>*Calvert Research and Management*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.65% | &nbsp;&nbsp;&nbsp; 11.48% | &nbsp;&nbsp;&nbsp;&nbsp; 8.68% | &nbsp;&nbsp;&nbsp;&nbsp; 9.81% |
| 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 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 14.05% | &nbsp;&nbsp;&nbsp;&nbsp; 8.72% | &nbsp;&nbsp;&nbsp;&nbsp; 9.74% |

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26 RiverSource Variable Universal Life 6 Insurance New York — 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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **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 total <br> return.<br>| Columbia Variable Portfolio - Commodity <br> Strategy Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.73%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 15.48% | &nbsp;&nbsp; 12.76% | &nbsp;&nbsp;&nbsp;&nbsp; 6.75% |
| Seeks total return, <br> consisting of long-term <br> capital appreciation and <br> current income.<br>| Columbia Variable Portfolio - Contrarian Core <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 17.65% | &nbsp;&nbsp; 14.18% | &nbsp;&nbsp;&nbsp; 14.32% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Columbia Variable Portfolio - Cornerstone <br> Growth Fund (Class 1) (previously Columbia <br> Variable Portfolio - Large Cap Growth Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71% | &nbsp;&nbsp;&nbsp; 16.14% | &nbsp;&nbsp; 14.04% | &nbsp;&nbsp;&nbsp; 15.97% |
| Seeks to provide <br> shareholders with <br> capital appreciation.<br>| Columbia Variable Portfolio - Disciplined <br> Core Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.68% | &nbsp;&nbsp;&nbsp; 14.63% | &nbsp;&nbsp; 14.16% | &nbsp;&nbsp;&nbsp; 13.59% |
| 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 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.65%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 15.83% | &nbsp;&nbsp; 11.88% | &nbsp;&nbsp;&nbsp; 10.43% |
| Non-diversified fund that <br> seeks to provide <br> shareholders with high <br> total return through <br> current income and, <br> secondarily, through <br> capital appreciation.<br>| Columbia Variable Portfolio - Emerging <br> Markets Bond Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.73% | &nbsp;&nbsp;&nbsp; 12.78% | &nbsp;&nbsp;&nbsp;&nbsp; 1.70% | &nbsp;&nbsp;&nbsp;&nbsp; 4.28% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Columbia Variable Portfolio - Emerging <br> Markets Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.09%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 31.17% | &nbsp;&nbsp;&nbsp; (1.13%) | &nbsp;&nbsp;&nbsp;&nbsp; 7.27% |
| 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 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.34%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 3.97% | &nbsp;&nbsp;&nbsp;&nbsp; 2.97% | &nbsp;&nbsp;&nbsp;&nbsp; 1.89% |
| 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 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.64%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 8.81% | &nbsp;&nbsp;&nbsp;&nbsp; 4.18% | &nbsp;&nbsp;&nbsp;&nbsp; 5.78% |
| Seeks to provide <br> shareholders with a high <br> total return through <br> current income and <br> capital appreciation.<br>| Columbia Variable Portfolio - Income <br> Opportunities Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.64%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 8.78% | &nbsp;&nbsp;&nbsp;&nbsp; 3.86% | &nbsp;&nbsp;&nbsp;&nbsp; 5.42% |

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 27

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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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **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 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 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.53% | &nbsp;&nbsp;&nbsp;&nbsp; 9.06% | &nbsp;&nbsp;&nbsp; (0.43%) | &nbsp;&nbsp;&nbsp;&nbsp; 2.77% |
| Seeks to provide <br> shareholders with <br> long-term capital <br> appreciation.<br>| Columbia Variable Portfolio - Large Cap Index <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.25%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 17.58% | &nbsp;&nbsp; 14.13% | &nbsp;&nbsp;&nbsp; 14.49% |
| Seeks total return, <br> consisting of current <br> income and capital <br> appreciation.<br>| Columbia Variable Portfolio - Long <br> Government/Credit Bond Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.47%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 6.24% | &nbsp;&nbsp;&nbsp; (5.24%) | &nbsp;&nbsp;&nbsp;&nbsp; 1.56% |
| Seeks to provide <br> shareholders with <br> capital appreciation.<br>| Columbia Variable Portfolio - Overseas Core <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.80% | &nbsp;&nbsp;&nbsp; 38.26% | &nbsp;&nbsp;&nbsp;&nbsp; 9.19% | &nbsp;&nbsp;&nbsp;&nbsp; 7.82% |
| Seeks to provide <br> shareholders with high <br> total return through <br> income and growth of <br> capital.<br>| Columbia Variable Portfolio - Select <br> Corporate Income Fund (Class 1) (previously <br> Columbia Variable Portfolio - Corporate Bond <br> Fund (Class 1))<sup>3</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.47%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 7.93% | &nbsp;&nbsp;&nbsp;&nbsp; 1.48% | &nbsp;&nbsp;&nbsp;&nbsp; 2.20% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital.<br>| Columbia Variable Portfolio - Select Large <br> Cap Value Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69% | &nbsp;&nbsp;&nbsp; 28.27% | &nbsp;&nbsp; 13.59% | &nbsp;&nbsp;&nbsp; 12.58% |
| Seeks to provide <br> shareholders with <br> growth of capital.<br>| Columbia Variable Portfolio - Select Mid Cap <br> Growth Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.83%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 15.14% | &nbsp;&nbsp;&nbsp;&nbsp; 7.53% | &nbsp;&nbsp;&nbsp; 12.17% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital.<br>| Columbia Variable Portfolio - Select Mid Cap <br> Value Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.83%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 14.18% | &nbsp;&nbsp; 11.18% | &nbsp;&nbsp;&nbsp; 10.44% |
| Seeks to provide <br> shareholders with a <br> level of current income <br> consistent with <br> preservation of capital.<br>| Columbia Variable Portfolio - Select Short <br> Corporate Income Fund (Class 1) (previously <br> Columbia Variable Portfolio - Limited <br> Duration Credit Fund (Class 1))<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.41%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 6.35% | &nbsp;&nbsp;&nbsp;&nbsp; 2.14% | &nbsp;&nbsp;&nbsp;&nbsp; 3.19% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Columbia Variable Portfolio - Select Small <br> Cap Value Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 6.59% | &nbsp;&nbsp;&nbsp;&nbsp; 8.94% | &nbsp;&nbsp;&nbsp;&nbsp; 8.23% |
| Seeks to provide <br> shareholders with <br> long-term capital <br> appreciation.<br>| Columbia Variable Portfolio - Seligman <br> Global Technology Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.93%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 34.70% | &nbsp;&nbsp; 18.71% | &nbsp;&nbsp;&nbsp; 23.01% |

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28 RiverSource Variable Universal Life 6 Insurance New York — 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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks total return, <br> consisting of current <br> income and capital <br> appreciation.<br>| Columbia Variable Portfolio - Strategic <br> Income Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 7.32% | &nbsp;&nbsp;&nbsp;&nbsp; 2.20% | &nbsp;&nbsp;&nbsp;&nbsp; 4.28% |
| 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 1)<br> *Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.45% | &nbsp;&nbsp;&nbsp;&nbsp; 9.19% | &nbsp;&nbsp;&nbsp; (0.06%) | &nbsp;&nbsp;&nbsp;&nbsp; 1.92% |
| Non-diversified fund that <br> seeks to provide <br> shareholders with total <br> return that exceeds the <br> rate of inflation over the <br> long term.<br>| CTIVP<sup>®</sup> - BlackRock Global Inflation-Linked <br> Securities Fund (Class 1) (previously CTIVP<sup>®</sup> <br> - BlackRock Global Inflation-Protected <br> Securities Fund (Class 1))<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; BlackRock Financial* <br> *Management, Inc., subadviser; BlackRock* <br> *International Limited, sub-subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.62%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 4.23% | &nbsp;&nbsp;&nbsp; (1.50%) | &nbsp;&nbsp;&nbsp;&nbsp; 1.98% |
| Seeks to provide <br> shareholders with <br> current income and <br> capital appreciation.<br>| CTIVP<sup>®</sup> - CenterSquare Real Estate Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; CenterSquare Investment* <br> *Management LLC, subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.84% | &nbsp;&nbsp;&nbsp;&nbsp; 2.19% | &nbsp;&nbsp;&nbsp;&nbsp; 6.60% | &nbsp;&nbsp;&nbsp;&nbsp; 5.70% |
| Seeks to provide <br> shareholders with a high <br> level of current income.<br>| CTIVP<sup>®</sup> - Fidelity Institutional AM<sup>®</sup> Total Bond <br> Fund (Class 1) (previously CTIVP<sup>®</sup> - American <br> Century Diversified Bond Fund (Class 1))<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; FIAM LLC, subadviser; FMR* <br> *Investment Management (UK) Limited,* <br> *sub-subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.49% | &nbsp;&nbsp;&nbsp;&nbsp; 7.48% | &nbsp;&nbsp;&nbsp; (0.35%) | &nbsp;&nbsp;&nbsp;&nbsp; 2.33% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| CTIVP<sup>®</sup> - Principal Large Cap Growth Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Principal Global Investors, LLC,* <br> *subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70% | &nbsp;&nbsp;&nbsp; 13.78% | &nbsp;&nbsp; 10.47% | &nbsp;&nbsp;&nbsp; 14.66% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital and income.<br>| CTIVP<sup>®</sup> - T. Rowe Price Large Cap Value Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; T. Rowe Price Associates, Inc.,* <br> *subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69% | &nbsp;&nbsp;&nbsp; 12.40% | &nbsp;&nbsp; 10.43% | &nbsp;&nbsp;&nbsp;&nbsp; 9.91% |
| Seeks to provide <br> shareholders with total <br> return through current <br> income and capital <br> appreciation.<br>| CTIVP<sup>®</sup> - TCW Total Return Bond Fund <br> (Class 1) (previously CTIVP<sup>®</sup> - TCW Core Plus <br> Bond Fund (Class 1))<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; TCW Investment Management* <br> *Company LLC, subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50% | &nbsp;&nbsp;&nbsp;&nbsp; 7.54% | &nbsp;&nbsp;&nbsp; (0.53%) | &nbsp;&nbsp;&nbsp;&nbsp; 2.04% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital.<br>| CTIVP<sup>®</sup> - Victory Sycamore Established Value <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Victory Capital Management* <br> *Inc., subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.82% | &nbsp;&nbsp;&nbsp;&nbsp; 2.29% | &nbsp;&nbsp;&nbsp;&nbsp; 9.65% | &nbsp;&nbsp;&nbsp; 10.70% |

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 29

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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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **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> long-term capital growth.<br>| CTIVP<sup>®</sup> - Wellington Large Cap Value Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Wellington Management* <br> *Company LLP, subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 19.92% | &nbsp;&nbsp; 11.26% | &nbsp;&nbsp;&nbsp; 10.71% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| CTIVP<sup>®</sup> - Westfield Mid Cap Growth Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Westfield Capital Management* <br> *Company, L.P., subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.83%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 10.40% | &nbsp;&nbsp;&nbsp;&nbsp; 7.16% | &nbsp;&nbsp;&nbsp; 12.18% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| CTIVP<sup>®</sup> - Westfield Select Large Cap Growth <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Westfield Capital Management* <br> *Company, L.P., subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69% | &nbsp;&nbsp;&nbsp; 17.27% | &nbsp;&nbsp;&nbsp;&nbsp; 2.05% | &nbsp;&nbsp;&nbsp; 13.31% |
| Seeks investment <br> results that correspond <br> to the total return <br> performance of common <br> stocks as represented <br> by the MSCI EAFE Index.<br>| CVT EAFE International Index Portfolio <br> (Class I)<br> *Calvert Research and Management*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.48%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 30.90% | &nbsp;&nbsp;&nbsp;&nbsp; 8.53% | &nbsp;&nbsp;&nbsp;&nbsp; 7.86% |
| Seeks investment <br> results that correspond <br> to the investment <br> performance of U.S. <br> common stocks, as <br> represented by the <br> NASDAQ 100 Index.<br>| CVT Nasdaq 100 Index Portfolio (Class I)<br> *Calvert Research and Management, adviser;* <br> *Ameritas Investment Partners, Inc,* <br> *subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.49%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 20.39% | &nbsp;&nbsp; 14.73% | &nbsp;&nbsp;&nbsp; 19.09% |
| Seeks investment <br> results that correspond <br> to the investment <br> performance of U.S. <br> common stocks, as <br> represented by the <br> Russell 2000<sup>®</sup> Index.<br>| CVT Russell 2000<sup>®</sup> Small Cap Index <br> Portfolio (Class I)<br> *Calvert Research and Management, adviser;* <br> *Ameritas Investment Partners, Inc,* <br> *subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.40%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 12.45% | &nbsp;&nbsp;&nbsp;&nbsp; 5.83% | &nbsp;&nbsp;&nbsp;&nbsp; 9.32% |
| Seeks capital <br> appreciation.<br>| DWS Alternative Asset Allocation VIP <br> (Class A)<sup>4</sup> <br>*DWS Investment Management Americas* <br> *Inc., adviser; RREEF America L.L.C.,* <br> *subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.93% | &nbsp;&nbsp;&nbsp; 10.50% | &nbsp;&nbsp;&nbsp;&nbsp; 5.29% | &nbsp;&nbsp;&nbsp;&nbsp; 4.89% |
| Seeks high level of <br> current income.<br>| Eaton Vance VT Floating-Rate Income Fund <br> (Institutional Class)<sup>3</sup> <br>*Eaton Vance Management*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69% | &nbsp;&nbsp;&nbsp;&nbsp; 4.51% | &nbsp;&nbsp;&nbsp;&nbsp; 5.20% | &nbsp;&nbsp;&nbsp;&nbsp; 4.98% |
| Seeks long-term capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Contrafund<sup>®</sup> Portfolio (Initial <br> Class)<br> *Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.54% | &nbsp;&nbsp;&nbsp; 21.52% | &nbsp;&nbsp; 15.37% | &nbsp;&nbsp;&nbsp; 15.78% |

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30 RiverSource Variable Universal Life 6 Insurance New York — 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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Emerging Markets Portfolio <br> (Initial Class)<sup>3</sup> <br>*Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited, FIL* <br> *Investment Advisers, FIL Investment* <br> *Advisers (UK) Limited and FIL Investments* <br> *(Japan) Limited, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.87% | &nbsp;&nbsp;&nbsp; 41.20% | &nbsp;&nbsp;&nbsp;&nbsp; 5.88% | &nbsp;&nbsp;&nbsp; 10.93% |
| Seeks capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Energy Portfolio (Initial Class)<sup>3</sup> <br>*Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.60% | &nbsp;&nbsp;&nbsp; 10.59% | &nbsp;&nbsp; 24.18% | &nbsp;&nbsp;&nbsp;&nbsp; 7.96% |
| Seeks to provide capital <br> growth.<br>| Fidelity<sup>®</sup> VIP Growth Opportunities Portfolio <br> (Initial Class)<sup>3</sup> <br>*Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.56% | &nbsp;&nbsp;&nbsp; 22.02% | &nbsp;&nbsp; 11.31% | &nbsp;&nbsp;&nbsp; 19.94% |
| Seeks as high level of <br> current income as is <br> consistent with the <br> preservation of capital.<br>| Fidelity<sup>®</sup> VIP Investment Grade Bond <br> Portfolio (Initial Class)<sup>3</sup> <br>*Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.37% | &nbsp;&nbsp;&nbsp;&nbsp; 7.22% | &nbsp;&nbsp;&nbsp;&nbsp; 0.06% | &nbsp;&nbsp;&nbsp;&nbsp; 2.71% |
| Seeks long-term growth <br> of capital.<br>| Fidelity<sup>®</sup> VIP Mid Cap Portfolio (Initial Class)<br> *Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited,* <br> *subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.55% | &nbsp;&nbsp;&nbsp; 11.75% | &nbsp;&nbsp; 10.10% | &nbsp;&nbsp;&nbsp; 10.59% |

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 31

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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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks a high level of <br> current income and may <br> also seek capital <br> appreciation.<br>| Fidelity<sup>®</sup> VIP Strategic Income Portfolio <br> (Initial Class)<br> *Fidelity Management & Research Company,* <br> *adviser; Fidelity Management & Research* <br> *Company (UK) Limited, Fidelity* <br> *Management & Research Company (Hong* <br> *Kong) Limited, Fidelity Management &* <br> *Research Company (Japan) Limited, FIL* <br> *Investment Advisers, FIL Investment* <br> *Advisers (UK) Limited and FIL Investments* <br> *(Japan) Limited, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.63% | &nbsp;&nbsp;&nbsp;&nbsp; 8.85% | &nbsp;&nbsp;&nbsp;&nbsp; 3.07% | &nbsp;&nbsp;&nbsp;&nbsp; 4.66% |
| Seeks to maximize <br> income while <br> maintaining prospects <br> for capital appreciation. <br> Under normal market <br> conditions, the fund <br> invests in a diversified <br> portfolio of equity and <br> debt securities.<br>| Franklin Income VIP Fund (Class 1)<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.47% | &nbsp;&nbsp;&nbsp; 12.87% | &nbsp;&nbsp;&nbsp;&nbsp; 7.92% | &nbsp;&nbsp;&nbsp;&nbsp; 7.57% |
| 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 1)<sup>1</sup> <br>*Franklin Mutual Advisers, LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69% | &nbsp;&nbsp;&nbsp; 11.81% | &nbsp;&nbsp;&nbsp;&nbsp; 9.49% | &nbsp;&nbsp;&nbsp;&nbsp; 7.80% |
| 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 1)<br> *Franklin Mutual Advisers, LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.66%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 7.90% | &nbsp;&nbsp;&nbsp;&nbsp; 9.13% | &nbsp;&nbsp;&nbsp; 10.09% |
| Seeks total return with a <br> low to moderate <br> correlation to traditional <br> financial market indices.<br>| Invesco V.I. Balanced-Risk Allocation Fund <br> (Series I Shares)<sup>4</sup> <br>*Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 9.14% | &nbsp;&nbsp;&nbsp;&nbsp; 2.53% | &nbsp;&nbsp;&nbsp;&nbsp; 5.17% |
| Seeks capital <br> appreciation.<br>| Invesco V.I. Global Fund (Series I Shares)<sup>1</sup> <br>*Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.81% | &nbsp;&nbsp;&nbsp; 15.32% | &nbsp;&nbsp;&nbsp;&nbsp; 7.28% | &nbsp;&nbsp;&nbsp; 11.00% |
| Seeks total return. | Invesco V.I. Global Strategic Income Fund <br> (Series I Shares)<sup>1</sup> <br>*Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.95%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 12.98% | &nbsp;&nbsp;&nbsp;&nbsp; 1.65% | &nbsp;&nbsp;&nbsp;&nbsp; 3.01% |
| Seeks capital <br> appreciation.<br>| Invesco V.I. Main Street Small Cap Fund<sup>®</sup> <br> (Series I Shares)<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.84% | &nbsp;&nbsp;&nbsp;&nbsp; 8.70% | &nbsp;&nbsp;&nbsp;&nbsp; 8.34% | &nbsp;&nbsp;&nbsp; 10.59% |
| Seeks long-term growth <br> of capital.<br>| Invesco V.I. Technology Fund (Series I <br> Shares)<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.96% | &nbsp;&nbsp;&nbsp; 20.47% | &nbsp;&nbsp; 10.30% | &nbsp;&nbsp;&nbsp; 15.78% |

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32 RiverSource Variable Universal Life 6 Insurance New York — 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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **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> growth, consistent with <br> preservation of capital <br> and balanced by current <br> income.<br>| Janus Henderson Balanced Portfolio <br> (Institutional Shares)<br> *Janus Henderson Investors US LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.62% | &nbsp;&nbsp;&nbsp; 15.11% | &nbsp;&nbsp;&nbsp;&nbsp; 8.48% | &nbsp;&nbsp;&nbsp; 10.14% |
| Seeks to obtain <br> maximum total return, <br> consistent with <br> preservation of capital.<br>| Janus Henderson Flexible Bond Portfolio <br> (Institutional Shares)<br> *Janus Henderson Investors US LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.57%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 7.40% | &nbsp;&nbsp;&nbsp; (0.23%) | &nbsp;&nbsp;&nbsp;&nbsp; 2.32% |
| Seeks long-term growth <br> of capital.<br>| Janus Henderson Research Portfolio <br> (Institutional Shares)<sup>1</sup> <br>*Janus Henderson Investors US LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.82% | &nbsp;&nbsp;&nbsp; 18.39% | &nbsp;&nbsp; 14.11% | &nbsp;&nbsp;&nbsp; 15.88% |
| Seeks total return. | Lazard Retirement Global Dynamic <br> Multi-Asset Portfolio (Investor Shares)<sup>,1</sup> <br>*Lazard Asset Management, LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.90%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 15.98% | &nbsp;&nbsp;&nbsp;&nbsp; 5.36% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| Seeks to deliver high <br> current income and <br> long-term growth of <br> capital by investing <br> primarily in a variety of <br> fixed income securities <br> and select equity-related <br> securities.<br>| Lord Abbett Series Fund Bond Debenture <br> Portfolio (Class VC)<sup>3</sup> <br>*Lord, Abbett & Co LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.98% | &nbsp;&nbsp;&nbsp;&nbsp; 8.33% | &nbsp;&nbsp;&nbsp;&nbsp; 2.10% | &nbsp;&nbsp;&nbsp;&nbsp; 4.72% |
| Seeks long-term capital <br> growth. Income is a <br> secondary objective.<br>| LVIP American Century Mid Cap Value Fund <br> (Standard Class II)<sup>3</sup> <br>*Lincoln Financial Investments Corporation,* <br> *adviser; American Century Investment* <br> *Management, Inc., subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.86%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 8.99% | &nbsp;&nbsp;&nbsp;&nbsp; 8.89% | &nbsp;&nbsp;&nbsp;&nbsp; 9.12% |
| Seeks long-term capital <br> growth. Income is a <br> secondary objective.<br>| LVIP American Century Value Fund (Standard <br> Class II)<br> *Lincoln Financial Investments Corporation,* <br> *adviser; American Century Investment* <br> *Management, Inc., subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 16.02% | &nbsp;&nbsp; 11.65% | &nbsp;&nbsp;&nbsp; 10.23% |
| Seeks total return. | MFS<sup>®</sup> Global Real Estate Portfolio (Initial <br> Class)<sup>3</sup> <br>*Massachusetts Financial Services Company*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.90%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 3.53% | &nbsp;&nbsp;&nbsp;&nbsp; 1.32% | &nbsp;&nbsp;&nbsp;&nbsp; 5.01% |
| Seeks capital <br> appreciation.<br>| MFS<sup>®</sup> International Growth Portfolio (Initial <br> Class)<sup>3</sup> <br>*Massachusetts Financial Services Company*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 21.12% | &nbsp;&nbsp;&nbsp;&nbsp; 7.07% | &nbsp;&nbsp;&nbsp;&nbsp; 9.88% |
| Seeks total return. | MFS<sup>®</sup> Utilities Series (Initial Class)<br> *Massachusetts Financial Services Company*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.78%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 15.01% | &nbsp;&nbsp;&nbsp;&nbsp; 7.64% | &nbsp;&nbsp;&nbsp;&nbsp; 9.49% |
| The Fund seeks <br> long-term capital growth <br> by investing primarily in <br> common stocks and <br> other equity securities.<br>| Morgan Stanley VIF Discovery Portfolio <br> (Class I Shares)<sup>1</sup> <br>*Morgan Stanley Investment Management* <br> *Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.95%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 12.58% | &nbsp;&nbsp;&nbsp; (5.36%) | &nbsp;&nbsp;&nbsp; 14.16% |

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 33

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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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks long-term growth <br> of capital by investing <br> primarily in securities of <br> companies that meet <br> the Fund's <br> environmental, social <br> and governance (ESG) <br> criteria.<br>| Neuberger Berman AMT Quality Equity <br> Portfolio (Class I) (previously Neuberger <br> Berman AMT Sustainable Equity Portfolio <br> (Class I))<sup>1</sup> <br>*Neuberger Berman Investment Advisers LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.87% | &nbsp;&nbsp;&nbsp; 13.71% | &nbsp;&nbsp; 12.83% | &nbsp;&nbsp;&nbsp; 12.94% |
| Seeks to provide total <br> return.<br>| Nomura VIP Asset Strategy Series (Standard <br> Class) (previously Macquarie VIP Asset <br> Strategy Series (Standard Class))<sup>3</sup> <br>*Delaware Management Company, adviser;* <br> *Macquarie Investment Management Global* <br> *Limited, subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.52%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 16.87% | &nbsp;&nbsp;&nbsp;&nbsp; 7.33% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| Seeks long-term capital <br> growth.<br>| Nomura VIP International Core Equity Series <br> (Standard Class) (previously Macquarie VIP <br> International Core Equity (Standard Class))<sup>3</sup> <br>*Delaware Management Company*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.86%<sup>2</sup> <br>| &nbsp;&nbsp;&nbsp; 24.55% | &nbsp;&nbsp;&nbsp;&nbsp; 7.94% | &nbsp;&nbsp;&nbsp;&nbsp; 6.67% |
| Seeks maximum real <br> return, consistent with <br> preservation of real <br> capital and prudent <br> investment <br> management.<br>| PIMCO VIT All Asset Portfolio (Institutional <br> Class)<sup>1,4</sup> <br>*Pacific Investment Management Company* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.98%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 14.34% | &nbsp;&nbsp;&nbsp;&nbsp; 5.77% | &nbsp;&nbsp;&nbsp;&nbsp; 6.93% |
| Seeks maximum total <br> return, consistent with <br> preservation of capital <br> and prudent investment <br> management.<br>| PIMCO VIT Total Return Portfolio <br> (Institutional Class)<br> *Pacific Investment Management Company* <br> *LLC (PIMCO)*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.58% | &nbsp;&nbsp;&nbsp;&nbsp; 9.05% | &nbsp;&nbsp;&nbsp;&nbsp; 0.16% | &nbsp;&nbsp;&nbsp;&nbsp; 2.51% |
| Seeks to provide <br> shareholders with <br> long-term capital <br> appreciation.<br>| Putnam VT Global Health Care Fund <br> (Class IA Shares)<br> *Putnam Investment Management, LLC,* <br> *adviser; Franklin Advisers, Inc., Franklin* <br> *Templeton Investment Management Limited* <br> *and The Putnam Advisory Company, LLC,* <br> *subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% | &nbsp;&nbsp;&nbsp; 15.34% | &nbsp;&nbsp;&nbsp;&nbsp; 7.99% | &nbsp;&nbsp;&nbsp;&nbsp; 8.63% |
| Seeks capital growth. <br> Current income is a <br> secondary objective.<br>| Putnam VT International Value Fund (Class IA <br> Shares)<sup>3</sup> <br>*Putnam Investment Management, LLC,* <br> *adviser; Franklin Advisers, Inc., Franklin* <br> *Templeton Investment Management Limited* <br> *and The Putnam Advisory Company, LLC,* <br> *subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.81% | &nbsp;&nbsp;&nbsp; 35.07% | &nbsp;&nbsp; 12.77% | &nbsp;&nbsp;&nbsp;&nbsp; 9.13% |
| Seeks capital growth <br> and current income.<br>| Putnam VT Large Cap Value Fund (Class IA <br> Shares)<sup>3</sup> <br>*Putnam Investment Management, LLC,* <br> *adviser; Franklin Advisers, Inc. and Franklin* <br> *Templeton Investment Management Limited,* <br> *subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.54% | &nbsp;&nbsp;&nbsp; 20.66% | &nbsp;&nbsp; 15.68% | &nbsp;&nbsp;&nbsp; 13.58% |

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34 RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus

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| | | | | |
|:---|:---|:---|:---|:---|
| **Investment Objective** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks high current <br> income, consistent with <br> preservation of capital, <br> with capital appreciation <br> as a secondary <br> consideration. Under <br> normal market <br> conditions, the fund <br> invests at least 80% of <br> its net assets in debt <br> securities of any <br> maturity.<br>Templeton Global Bond VIP Fund (Class 1)<sup>1</sup> <br>*Franklin Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 16.09% | &nbsp;&nbsp;&nbsp; (0.69%) | &nbsp;&nbsp;&nbsp;&nbsp; 0.11% |
| Seeks to provide a high <br> level of total return that <br> is consistent with an <br> aggressive level of risk.<br>Variable Portfolio - Aggressive Portfolio <br> (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.79% | &nbsp;&nbsp;&nbsp; 17.94% | &nbsp;&nbsp;&nbsp;&nbsp; 8.40% | &nbsp;&nbsp;&nbsp;&nbsp; 9.24% |
| Seeks to provide a high <br> level of total return that <br> is consistent with a <br> conservative level of <br> risk.<br>Variable Portfolio - Conservative Portfolio <br> (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.64%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 10.55% | &nbsp;&nbsp;&nbsp;&nbsp; 1.89% | &nbsp;&nbsp;&nbsp;&nbsp; 3.72% |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>Variable Portfolio - Managed Volatility <br> Conservative Fund (Class 1)<sup>1,4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.70% | &nbsp;&nbsp;&nbsp;&nbsp; 9.41% | &nbsp;&nbsp;&nbsp;&nbsp; 1.41% | &nbsp;&nbsp;&nbsp;&nbsp; 3.51% |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>Variable Portfolio - Managed Volatility <br> Conservative Growth Fund (Class 1)<sup>1,4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.72% | &nbsp;&nbsp;&nbsp; 11.25% | &nbsp;&nbsp;&nbsp;&nbsp; 2.92% | &nbsp;&nbsp;&nbsp;&nbsp; 4.71% |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>Variable Portfolio - Managed Volatility Growth <br> Fund (Class 1)<sup>4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.76% | &nbsp;&nbsp;&nbsp; 14.97% | &nbsp;&nbsp;&nbsp;&nbsp; 6.09% | &nbsp;&nbsp;&nbsp;&nbsp; 7.13% |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>Variable Portfolio - Managed Volatility <br> Moderate Growth Fund (Class 1)<sup>4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.73% | &nbsp;&nbsp;&nbsp; 13.13% | &nbsp;&nbsp;&nbsp;&nbsp; 4.55% | &nbsp;&nbsp;&nbsp;&nbsp; 6.00% |
| Seeks to provide a high <br> level of total return that <br> is consistent with a <br> moderate level of risk.<br>Variable Portfolio - Moderate Portfolio <br> (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71% | &nbsp;&nbsp;&nbsp; 14.14% | &nbsp;&nbsp;&nbsp;&nbsp; 5.17% | &nbsp;&nbsp;&nbsp;&nbsp; 6.60% |
| Seeks to provide a high <br> level of total return that <br> is consistent with a <br> moderately aggressive <br> level of risk.<br>Variable Portfolio - Moderately Aggressive <br> Portfolio (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75% | &nbsp;&nbsp;&nbsp; 15.97% | &nbsp;&nbsp;&nbsp;&nbsp; 6.71% | &nbsp;&nbsp;&nbsp;&nbsp; 7.89% |

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 35

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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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Seeks to provide a high <br> level of total return that <br> is consistent with a <br> moderately conservative <br> level of risk.<br>| Variable Portfolio - Moderately Conservative <br> Portfolio (Class 1)<sup>4</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69% | &nbsp;&nbsp;&nbsp; 12.39% | &nbsp;&nbsp;&nbsp;&nbsp; 3.43% | &nbsp;&nbsp;&nbsp;&nbsp; 5.10% |
| Seeks to provide <br> shareholders with a high <br> level of current income <br> while conserving the <br> value of the investment <br> for the longest period of <br> time.<br>| Variable Portfolio - Partners Core Bond Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; J.P. Morgan Investment* <br> *Management Inc. and Allspring Global* <br> *Investments, LLC, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.48% | &nbsp;&nbsp;&nbsp;&nbsp; 7.62% | &nbsp;&nbsp;&nbsp;&nbsp; 0.03% | &nbsp;&nbsp;&nbsp;&nbsp; 2.25% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Variable Portfolio - Partners Core Equity Fund <br> (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; J.P. Morgan Investment* <br> *Management Inc. and T. Rowe Price* <br> *Associates, Inc., subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.68%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 13.42% | &nbsp;&nbsp; 13.32% | &nbsp;&nbsp;&nbsp; 12.91% |
| Seeks to provide <br> shareholders with <br> long-term growth of <br> capital.<br>| Variable Portfolio - Partners International <br> Core Equity Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Schroder Investment* <br> *Management North America Inc.,* <br> *subadviser; Schroder Investment* <br> *Management North America Limited,* <br> *sub-subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.83% | &nbsp;&nbsp;&nbsp; 24.85% | &nbsp;&nbsp;&nbsp;&nbsp; 7.29% | &nbsp;&nbsp;&nbsp;&nbsp; 6.39% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Variable Portfolio - Partners International <br> Growth Fund (Class 1)<br> *Columbia Management Investment Advisers* <br> *LLC, adviser; William Blair Investment* <br> *Management, LLC and Walter Scott &* <br> *Partners Limited, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.83%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 17.77% | &nbsp;&nbsp;&nbsp;&nbsp; 1.61% | &nbsp;&nbsp;&nbsp;&nbsp; 5.26% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Variable Portfolio - Partners International <br> Value Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Pzena Investment* <br> *Management, LLC and Thompson, Siegel &* <br> *Walmsley LLC, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.80%<sup>2</sup> | &nbsp;&nbsp;&nbsp; 35.15% | &nbsp;&nbsp; 10.39% | &nbsp;&nbsp;&nbsp;&nbsp; 7.24% |
| Seeks to provide <br> shareholders with <br> long-term capital growth.<br>| Variable Portfolio - Partners Small Cap <br> Growth Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Goldman Sachs Asset* <br> *Management, LP and Segall Bryant & Hamill* <br> *LLC, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 8.13% | &nbsp;&nbsp;&nbsp;&nbsp; 1.20% | &nbsp;&nbsp;&nbsp;&nbsp; 7.99% |
| Seeks to provide <br> shareholders with <br> long-term capital <br> appreciation.<br>| Variable Portfolio - Partners Small Cap Value <br> Fund (Class 1)<br> *Columbia Management Investment Advisers,* <br> *LLC, adviser; Segall Bryant & Hamill, LLC* <br> *and William Blair Investment Management,* <br> *LLC, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.84%<sup>2</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 7.35% | &nbsp;&nbsp;&nbsp;&nbsp; 6.86% | &nbsp;&nbsp;&nbsp;&nbsp; 7.33% |

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36 RiverSource Variable Universal Life 6 Insurance New York — 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 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) | **Average Annual Total Returns**<br> (as of 12/31/2025) |
| **Investment Objective** | **Fund and**<br> ***Adviser/Sub-Adviser*** | **Current** <br> **Expenses** <br> **Ratio**<br> **[NET]** | **1 Year** | **5 Year** | **10 Year** |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>| Variable Portfolio - U.S. Flexible Conservative <br> Growth Fund (Class 1)<sup>1,4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.71% | &nbsp;&nbsp;&nbsp;&nbsp; 9.49% | &nbsp;&nbsp;&nbsp;&nbsp; 3.79% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>| Variable Portfolio - U.S. Flexible Growth Fund <br> (Class 1)<sup>4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.68% | &nbsp;&nbsp;&nbsp; 11.37% | &nbsp;&nbsp;&nbsp;&nbsp; 7.63% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| Pursues total return <br> while seeking to <br> manage the Fund's <br> exposure to equity <br> market volatility.<br>| Variable Portfolio - U.S. Flexible Moderate <br> Growth Fund (Class 1)<sup>4,5</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.69% | &nbsp;&nbsp;&nbsp; 10.37% | &nbsp;&nbsp;&nbsp;&nbsp; 5.72% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| Seeks to maximize total <br> return.<br>| Western Asset Variable Global High Yield <br> Bond Portfolio (Class I)<br> *Franklin Templeton Fund Adviser, LLC,* <br> *adviser; Western Asset Management* <br> *Company, LLC, subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.81% | &nbsp;&nbsp;&nbsp;&nbsp; 9.96% | &nbsp;&nbsp;&nbsp;&nbsp; 2.56% | &nbsp;&nbsp;&nbsp;&nbsp; 5.33% |

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<sup>1</sup>

Not available for policies with applications signed on or after 1/13/2024.

<sup>2</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.

<sup>3</sup>

Available for policies with applications signed on or after 1/13/2024.

<sup>4</sup>

This Fund is managed in a way that is intended to minimize volatility of returns. See "Principal Risks of Investing in the Contract."

<sup>5</sup>

This Fund is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Fund invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including management fees.

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RiverSource Variable Universal Life 6 Insurance New York — Summary Prospectus 37

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We have filed with the Securities and Exchange Commission a prospectus and a Statement of Additional Information (SAI) that include additional information about RiverSource Survivorship Universal Life Insurance and RiverSource Variable Life Separate Account. The prospectus and SAI are dated the same date as this summary prospectus and are available free of charge. To request a copy of either document, to obtain information about your policy or for other investor inquiries, contact your sales representative or RiverSource Life Insurance Co. of New York at the telephone number and address listed below. The prospectus and other information about the policy is available online at riversource.com/lifeinsurance.

Edgar Contract Identifer: #811-05213

RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life Insurance Co. of New York, Albany, New York Affiliated with Ameriprise Financial Services, LLC.© 2008-2026 RiverSource Life Insurance Company. All rights reserved.

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RiverSource Life Insurance Co. of New York <br>70500 Ameriprise Financial Center <br>Minneapolis, MN 55474 <br>1-800-541-2251

USP9089_12_E01_(05/26)

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