# EDGAR Filing Document

**Accession Number:** 0000817132
**File Stem:** 0001193125-26-190084
**Filing Date:** 2026-4
**Character Count:** 113634
**Document Hash:** b583436c2fa0a2c72c09d810628ec0a3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-190084.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001193125-26-190084

**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:** 333-260322
- **FILM NUMBER:** 26912138

**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   |
|:---|:---|:---|
| C000233266 | RiverSource Survivorship Variable Universal Life Insurance |  |

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

INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY

&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 Survivorship Variable Universal Life Insurance (SVUL - 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 Survivorship Variable Universal Life 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_a8928718-6d9e-44b6-9d7e-262b596b2982_1) | 3 |
| [Updated Information About Your Policy](#xx_6944d039-edd1-45eb-a048-0fcd4ed4de18_1) | 6 |
| [Important Information You Should Consider About the Policy](#xx_80dfbff0-209b-4f40-b0f7-1fe23858f5d0_1) | 7 |
| [Other Benefits Available Under the Contract](#xx_18caab5e-39f8-4ceb-bf65-2d3b51465697_1) | 10 |
| &nbsp;&nbsp;&nbsp; [Additional Information About Optional Benefits](#xx_18caab5e-39f8-4ceb-bf65-2d3b51465697_3) | 12 |
| &nbsp;&nbsp;&nbsp; [Additional Information About Standard Benefits (Other than Standard Death Benefits)](#xx_18caab5e-39f8-4ceb-bf65-2d3b51465697_5) | 14 |
| &nbsp;&nbsp;&nbsp; [Changes to the Policies](#xx_18caab5e-39f8-4ceb-bf65-2d3b51465697_8) | 17 |
| [Appendix A: Funds Available Under the Policy](#xx_77e2f898-b20c-4b75-98a6-23ea74e60b90_1) | 18 |

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2 RiverSource Survivorship Variable Universal Life 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:** An 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 last surviving Insured's death when death occurs on a Valuation Date. If the last surviving Insured does not die on a Valuation Date, then the Death Benefit Valuation Date is the next Valuation Date following the date of the last surviving 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 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.

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

**Insured:** The person(s) whose life(ves) is/are insured by the policy.

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

**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.

**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 youngest 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 Insureds' Insurance Ages, sexes, Risk Classifications, 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.

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

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**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 Insureds.

**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 last surviving Insured prior to the date the youngest Insured has reached Attained Insurance Age 120, Proceeds will be the death benefit in effect as of the date of the last surviving Insured's death, minus any Indebtedness.

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

—

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

—

the death benefit at the youngest Insured's Attained Insurance Age 120 Policy Anniversary minus any partial surrenders and partial surrender fees occurring after the youngest Insured's Attained Insurance Age 120 Policy Anniversary minus any Indebtedness on the date of the last surviving Insured's death.

• 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, 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 last surviving Insured. 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 seven years of the policy and for seven 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 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.

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**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 Survivorship Variable Universal Life Insurance New York — Summary Prospectus

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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 7 years and for 7 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 Insureds' <br> Insurance Ages (or Attained Insurance Ages at the time of a requested <br> increase in the Specified Amount), Risk Classifications 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 Specified Amount). The maximum initial <br> Surrender Charge rate that would be charged on any policy would be <br> $49.500 per $1,000 of initial Specified Amount. Therefore, if a Full <br> Surrender occurs on a policy that was issued with a $1,000,000 initial <br> Specified Amount, the maximum initial Surrender Charge would be <br> $49,500 which is 49.500 times $1,000,000 divided by 1,000. This <br> Surrender Charge for the initial Specified Amount will decrease monthly <br> until it is zero at the end of the seventh policy year.<br> The Surrender Charges that apply to your policy are shown under the Policy <br> 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 7 years and for 7 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 Insureds' <br> Insurance Ages (or Attained Insurance Ages at the time of a requested <br> increase in the Specified Amount), Risk Classifications 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 Specified Amount). The maximum initial <br> Surrender Charge rate that would be charged on any policy would be <br> $49.500 per $1,000 of initial Specified Amount. Therefore, if a Full <br> Surrender occurs on a policy that was issued with a $1,000,000 initial <br> Specified Amount, the maximum initial Surrender Charge would be <br> $49,500 which is 49.500 times $1,000,000 divided by 1,000. This <br> Surrender Charge for the initial Specified Amount will decrease monthly <br> until it is zero at the end of the seventh policy year.<br> The Surrender Charges that apply to your policy are shown under the Policy <br> 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 7 years and for 7 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 Insureds' <br> Insurance Ages (or Attained Insurance Ages at the time of a requested <br> increase in the Specified Amount), Risk Classifications 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 Specified Amount). The maximum initial <br> Surrender Charge rate that would be charged on any policy would be <br> $49.500 per $1,000 of initial Specified Amount. Therefore, if a Full <br> Surrender occurs on a policy that was issued with a $1,000,000 initial <br> Specified Amount, the maximum initial Surrender Charge would be <br> $49,500 which is 49.500 times $1,000,000 divided by 1,000. This <br> Surrender Charge for the initial Specified Amount will decrease monthly <br> until it is zero at the end of the seventh policy year.<br> The Surrender Charges that apply to your policy are shown under the Policy <br> 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 Overloan Protection Benefit and the <br> Policy Split Option Rider. If you take a loan against the policy, you will be <br> charged a loan interest rate on any outstanding balance until the loan is <br> 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 Overloan Protection Benefit and the <br> Policy Split Option Rider. If you take a loan against the policy, you will be <br> charged a loan interest rate on any outstanding balance until the loan is <br> 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 Overloan Protection Benefit and the <br> Policy Split Option Rider. If you take a loan against the policy, you will be <br> charged a loan interest rate on any outstanding balance until the loan is <br> 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 Accounting Value Increase Rider and the Four-Year Term rider 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 Insureds' Risk <br> Classifications, Issue Ages, genders and the number of years the policy is <br> in force. You should review the rates, fees and charges under the Policy <br> Data page of your policy.<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 Accounting Value Increase Rider and the Four-Year Term rider 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 Insureds' Risk <br> Classifications, Issue Ages, genders and the number of years the policy is <br> in force. You should review the rates, fees and charges under the Policy <br> Data page of your policy.<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 Accounting Value Increase Rider and the Four-Year Term rider 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 Insureds' Risk <br> Classifications, Issue Ages, genders and the number of years the policy is <br> in force. You should review the rates, fees and charges under the Policy <br> Data page of your policy.<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 Survivorship Variable Universal Life 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 last surviving <br> 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. Each investment option <br> (including the Fixed Account) has its own unique risks. You should review <br> the investment options before making an investment decision. If the death <br> benefit is option 2, the death benefit could decrease from the death <br> 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 Insurance Co. of New York ("RiverSource Life of NY"). Any obligations <br> (including under the Fixed Account) or guarantees and benefits of the policy <br> that exceed the assets of the Variable Account are subject to RiverSource <br> Life of NY's claims-paying ability. If RiverSource Life of NY experiences <br> financial distress, RiverSource Life of NY may not be able to meet their <br> obligations to you. More information about RiverSource Life of NY, <br> including their financial strength ratings, is available by contacting <br> RiverSource Life of NY 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 is in effect. Also, your <br> policy enters a grace period before Lapsing, allowing you additional time to <br> pay the amount required to keep the policy in force. | &nbsp;&nbsp; **Keeping the Policy** <br> **in Force**<br>|

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8 RiverSource Survivorship Variable Universal Life 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> any 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 youngest Insured's Attained Insurance Age 120 anniversary, any <br> Policy Value in the Subaccounts will be transferred to the Fixed Account <br> and may not be transferred to any Subaccount.<br>• You may only transfer between Subaccounts and the Fixed Account on a <br> Policy Anniversary, unless you automate such transfers.<br>• We reserve the right to close, merge or substitute Funds as investment <br> options. We also reserve the right, upon notification to you, to close or <br> restrict any Funds. We will obtain any necessary approval of the <br> Securities and Exchange Commission.<br>• We generally limit premium payments in excess of $1,000,000. | &nbsp;&nbsp; **Transfers Among** <br> **the Fixed Account** <br> **and Subaccounts**<br> **Substitution of** <br> **Investments**<br>|
| **Optional Benefits** | &nbsp;&nbsp;&nbsp;&nbsp; •The Four-Year Term rider (FYT), Policy Split Option Rider (PSO), and the <br> Accounting Value Increase Rider (AVIR) are only available at policy <br> issuance.<br>• The FYT and PSO are not available for all Insurance Ages or Risk <br> Classifications that would be insured under the base policy.<br>• The FYT, PSO, and AVIR have termination dates prior to the termination <br> date of the base policy.<br>• The PSO, AVIR and Overloan Protection Benefit (OPB) have 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>|
|  | **TAXES** |  |
| **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 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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RiverSource Survivorship Variable Universal Life Insurance New York — Summary Prospectus 9

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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>|
| **Four-Year Term** <br> **Insurance Rider** <br> **(FYT)**<br>| FYT provides a Specified Amount of <br> insurance. The FYT death benefit is paid <br> if both Insureds die during the first four <br> policy years.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •FYT is only available at issue.<br> • FYT automatically terminates on the <br> four-year Policy Anniversary of the <br> policy.<br>• FYT is not available if either Insured <br> is older than 85 or have certain <br> substandard Risk Classifications.<br>|
| **Policy Split** <br> **Option Rider** <br> **(PSO)**<br>| PSO permits a policy to be split into two <br> individual permanent plans of life <br> insurance then offered by us for <br> exchange, one on the life of each <br> Insured.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; •PSO is only available at issue.<br> • PSO is not available for Insureds in <br> certain Risk Classifications.<br>• Both Insureds must be between <br> Insurance Ages 20 – 75 at issue.<br>• If the policy and this rider are still in <br> force at the oldest Insureds' 80th <br> insurance anniversary, this rider will <br> automatically terminate.<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>| Standard | &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>|
| **Accounting Value** <br> **Increase Rider** <br> **(AVIR)**<br>| If the policy is fully surrendered while <br> the policy 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; •This rider is only available in limited <br> situations, determined at time of <br> underwriting.<br>• The waiver does not apply to any <br> Surrender Charge due to increases in <br> Specified Amount, or to Partial <br> Surrenders.<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. However, if you exercise <br> your right to exchange the policy for <br> two individual policies under the <br> Policy Split Option Rider, Surrender <br> Charges on the surrender policy <br> would be waived.<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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10 RiverSource Survivorship Variable Universal Life 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>• 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>|
| **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>|

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RiverSource Survivorship Variable Universal Life 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>|
| **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 Accounts.<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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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).

**Four-Year Term Insurance Rider (FYT):** The four-year term insurance rider provides a pre-specified death benefit to the Beneficiary if the last surviving Insured dies during the first four years of the policy. The rider automatically terminates on the policy's four-year Policy Anniversary. The purpose of this rider is to cover the additional estate taxes that could become due if the policy is transferred to an irrevocable trust or to a third party within three years of purchase. The rider is not available if either Insured is older than age 85, would not be eligible for an individual life insurance product, or has a life expectancy of less than one year. The minimum rider death benefit available is $50,000. The maximum rider death benefit available is 1.22 times the sum of the base policy Specified Amount. The rider Specified Amount can be decreased (not below $50,000) once per year or dropped from the policy after issue, but the rider amount cannot be increased or a rider added once the policy has been issued. If the base policy Specified Amount is decreased at any time, or a change in death benefit option from 1 to 2 is made where the base policy Specified Amount is reduced, the rider Specified Amount will also be decreased so that it does not exceed 1.22 times the base policy Specified Amount. If a change in death benefit option 2 to 1 is made, and the base policy Specified Amount is increased, the rider Specified Amount will not be increased. If the PSO is exercised, the FYT will terminate. The FYT cannot be split or carried over to the new policies.

The FYT will terminate on the earliest of the following:

1. The month and date on or next following receipt of your written request for coverage to end; or

2. The four-year Policy Anniversary, as shown under Policy Data; or

3. The date the policy terminates.

*Example:* 

John and Jane Doe purchase a base policy with a $1,500,000 Specified Amount, death benefit option 1, and the Four-Year Term Insurance Rider (FYT) with a rider Specified Amount of $1,830,000, the maximum rider specified amount that can be purchased. If the last surviving Insured passes away prior to the end of the fourth policy year, the Proceeds

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

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payable will be $3,330,000 which is the sum of the base policy Specified Amount ($1,500,000) and the FYT Specified Amount ($1,830,000). If the last surviving Insured passes away in the fifth policy year or later, the Proceeds payable will be $1,500,000 which is the base policy Specified Amount.

**Policy Split Option Rider (PSO):** The policy split option provides for the split of the policy into two individual plans of insurance, one on the life of each Insured, upon the occurrence of any of the following events:

1. divorce of the Insureds; or

2. the federal tax law is changed resulting in removal of the unlimited marital deduction or reduces by at least 50% the level of the estate taxes payable on death; or

3. there is a dissolution of a business partnership between the Insureds; or

4. there is a dissolution of a business conducted or owned by the Insureds.

Both Insureds must be living at the time of the policy split. The policy split must be exercised no sooner than six months after a divorce and no later than one year after the divorce; within one year after an estate tax law change; or within six months of the dissolution of the business or partnership.

If the split is exercised, the initial Specified Amount on each new policy will be 50% of the Specified Amount of the split policy, minus 50% of any Indebtedness. The new policies will be individual permanent life insurance products we are issuing at the time of the split. The Policy Value minus any Indebtedness will be split equally and applied as premium payments on the new policies. Both the Surrender Charges on the split policy and any premium expense charges on the new policies will be waived resulting in the total Policy Value less Indebtedness on the new policies to be the same as the Policy Value less indebtedness of the split policy. The new policies' rates will be based on each Insured's Attained Insurance Age and the Insureds' Risk Classifications in the old policies.

If the new policies are variable life insurance policies, the value of the new policies will be calculated using the Funds' current net asset value. The total Policy Value less Indebtedness of the new policies will be the same as the Policy Value less indebtedness of the split policy.

The PSO automatically terminates at the oldest Insured's Attained Insurance Age 80. The PSO may terminate earlier at the request of the policy owner, death of one of the Insureds, or when the policy is split.

*Example:* 

Jane and John Doe are married and purchase a base policy with a $1,500,000 Specified Amount and the Policy Split Option Rider (PSO). Both are Insurance Age 55. Jane qualifies for the super preferred non-tobacco risk class and John qualifies for the standard non-tobacco risk class. At the beginning of the 11th policy year, when John and Jane are both Attained Insurance Age 65, a final divorce decree is issued by a court. Seven months later, Jane and John exercise the PSO rider. Upon exercise, the $160,000 Policy Value of the current policy will be reduced by the $250 rider exercise charge which results in a final Policy Value of $159,750. Both John and Jane will each receive an individual permanent life insurance policy then offered by us with a $750,000 Specified Amount which is the Specified Amount of the current policy divided by two. Both will be Insurance Age 65 and retain the risk class as under the current policy. A premium of $79,875, which is the final Policy Value of the current policy divided by two, will be applied to each of the new individual policies and any premium expense charge on the new policies will be waived.

**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.

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

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

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

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| | |
|:---|:---|
| **Policy Years(s)** | **% of Surrender Charge Waived** |
| 9+ | 0% |

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*Example:* 

John and Jane Doe purchase a base policy with a $1,500,000 Specified Amount and the Accounting Value Increase Rider (AVIR). John and Jane decide to do a Full Surrender in the sixth policy year when the Policy Value is $160,000 and the Surrender Charge is $28,000. Due to the AVIR, instead of paying the Surrender Charge of $28,000, we will waive 65%, or $18,200, resulting in an actual Surrender Charge of $9,800. Therefore, the final Proceeds payable upon Full Surrender would be $150,200 which is the $160,000 Policy Value minus the actual Surrender Charge of $9,800.

**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 youngest 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. 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 last surviving Insured's death, you may surrender the paid-up insurance for its Cash Surrender Value.

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 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. Only one account can 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.

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 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.

The example below illustrates how an automated transfer arrangement works.

John and Jane Doe purchase a base policy. They make a one-time premium payment at issue of $120,000 and allocate it all to the Fixed Account. They set 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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| | | | |
|:---|:---|:---|:---|
| **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 |

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**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:* 

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

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| 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 |

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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 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. 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.

*Example:* 

John and Jane Doe purchase a base policy and request 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.

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| | | | |
|:---|:---|:---|:---|
| **Accounts** | **Asset Rebalance** <br> **Subaccount** <br> **Percentage** <br> **Allocations**<br>| **Policy Value before** <br> **Asset** <br> **Rebalancing**<br>| **Asset Rebalancing** <br> **Transactions** <br> **between**<br> **Subaccounts**<br>|
| **Fixed Account** |  | $50000 |  |

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

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| | | | |
|:---|:---|:---|:---|
| **Accounts** | **Asset Rebalance** <br> **Subaccount** <br> **Percentage** <br> **Allocations**<br>| **Policy Value before** <br> **Asset** <br> **Rebalancing**<br>| **Asset Rebalancing** <br> **Transactions** <br> **between**<br> **Subaccounts**<br>|
| **Subaccount #1** | 50% | $120000 | -$20000 |
| **Subaccount #2** | 25% | $45000 | +$5,000 |
| **Subaccount #3** | 25% | $35000 | +15,000 |
| **Total Policy Value** |  | $250000 |  |

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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 youngest 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 one-time 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:* 

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

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John and Jane Doe purchase 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 26th policy year:

• Both John and Jane are Attained Insurance Age 80.

• Premiums paid to date equal $700,000.

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

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

• The Policy Value is $850,000.

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

• 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.

• The Proceeds payable upon death of the last surviving Insured at this point in time would be $72,500 which is the death benefit of $892,500 minus the outstanding Indebtedness of $820,000.

At this point, John and Jane decide to exercise their OPB to prevent the policy from lapsing. The exercise of the OPB will result in the following:

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

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

• Outstanding Indebtedness remains at $820,000.

• Loan repayments will still be accepted.

• 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.

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

**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 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 Insureds and at the time of the exchange will have the same Policy Date and issue ages 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. 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 Benefit Policy without the company requiring evidence of insurability.

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 Survivorship Variable Universal Life Insurance New York — Summary Prospectus 17

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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.

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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<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)<br> *Allspring Funds Management, LLC, adviser;* <br> *Allspring Global Investments, LLC,* <br> *subadviser.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.75%<sup>1</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)<sup>2</sup> <br>*BlackRock Advisors, LLC, adviser; BlackRock* <br> *(Singapore) Limited and BlackRock* <br> *International Limited, sub-advisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.76%<sup>1</sup> | &nbsp;&nbsp;&nbsp; 19.80% | &nbsp;&nbsp;&nbsp;&nbsp; 5.79% | &nbsp;&nbsp;&nbsp;&nbsp; 7.59% |
| 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>1</sup> | &nbsp;&nbsp;&nbsp; 14.05% | &nbsp;&nbsp;&nbsp;&nbsp; 8.72% | &nbsp;&nbsp;&nbsp;&nbsp; 9.74% |
| 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>1</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>1</sup> | &nbsp;&nbsp;&nbsp; 17.65% | &nbsp;&nbsp; 14.18% | &nbsp;&nbsp;&nbsp; 14.32% |

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18 RiverSource Survivorship Variable Universal Life 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 <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>1</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>1</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>1</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>1</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>1</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 8.78% | &nbsp;&nbsp;&nbsp;&nbsp; 3.86% | &nbsp;&nbsp;&nbsp;&nbsp; 5.42% |
| 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% |

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

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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 <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>1</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>1</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 <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>1</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>1</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>1</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>1</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>1</sup> | &nbsp;&nbsp;&nbsp; 34.70% | &nbsp;&nbsp; 18.71% | &nbsp;&nbsp;&nbsp; 23.01% |
| 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>1</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% |

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20 RiverSource Survivorship Variable Universal Life 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** |
| 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>1</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% |
| 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>1</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>1</sup> | &nbsp;&nbsp;&nbsp; 10.40% | &nbsp;&nbsp;&nbsp;&nbsp; 7.16% | &nbsp;&nbsp;&nbsp; 12.18% |

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

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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> - 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>1</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>1</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>1</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>2</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 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% |
| 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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22 RiverSource Survivorship Variable Universal Life 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 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)<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>1</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>3</sup> <br>*Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.88%<sup>1</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)<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)<br> *Invesco Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.95%<sup>1</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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RiverSource Survivorship Variable Universal Life Insurance New York — Summary Prospectus 23

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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>1</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 7.40% | &nbsp;&nbsp;&nbsp; (0.23%) | &nbsp;&nbsp;&nbsp;&nbsp; 2.32% |
| Non-diversified fund that <br> pursues its investment <br> objective by investing <br> primarily in common <br> stocks selected for their <br> growth potential.<br>| Janus Henderson Research Portfolio <br> (Institutional Shares)<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>3</sup> <br>*Lazard Asset Management, LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.90%<sup>1</sup> | &nbsp;&nbsp;&nbsp; 15.98% | &nbsp;&nbsp;&nbsp;&nbsp; 5.36% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; - |
| 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>1</sup> | &nbsp;&nbsp;&nbsp; 16.02% | &nbsp;&nbsp; 11.65% | &nbsp;&nbsp;&nbsp; 10.23% |
| 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>1</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)<br> *Morgan Stanley Investment Management* <br> *Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.95%<sup>1</sup> | &nbsp;&nbsp;&nbsp; 12.58% | &nbsp;&nbsp;&nbsp; (5.36%) | &nbsp;&nbsp;&nbsp; 14.16% |
| 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))<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 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>2</sup> <br>*Pacific Investment Management Company* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.98%<sup>1</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% |

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24 RiverSource Survivorship Variable Universal Life 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 <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 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)<br> *Franklin Advisers, Inc.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.50%<sup>1</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>2</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>2</sup> <br>*Columbia Management Investment Advisers,* <br> *LLC*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.64%<sup>1</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>2,3</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>2,3</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>2,3</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>2,3</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>2</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% |

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

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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 aggressive <br> level of risk.<br>| Variable Portfolio - Moderately Aggressive <br> Portfolio (Class 1)<sup>2</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% |
| 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>2</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>1</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>1</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>1</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, L.P. and Segall Bryant &* <br> *Hamill, LLC, subadvisers.*<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.85%<sup>1</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 8.13% | &nbsp;&nbsp;&nbsp;&nbsp; 1.20% | &nbsp;&nbsp;&nbsp;&nbsp; 7.99% |

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26 RiverSource Survivorship Variable Universal Life 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 <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>1</sup> | &nbsp;&nbsp;&nbsp;&nbsp; 7.35% | &nbsp;&nbsp;&nbsp;&nbsp; 6.86% | &nbsp;&nbsp;&nbsp;&nbsp; 7.33% |
| 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>2,3</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>2,3</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>2,3</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. Under normal <br> market conditions, the <br> fund invest at least 80% <br> of its assets in high <br> yield bonds. Under <br> normal circumstances, <br> the fund will be invested <br> in at least three <br> countries (one of which <br> may be the United <br> States).<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>

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>2</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.

<sup>3</sup>

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

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

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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: 811-5213

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.

![](g733336img09f5c2e81.jpg)

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

USP9114_12_E01_(05/26)

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