# EDGAR Filing Document

**Accession Number:** 0000727892
**File Stem:** 0001193125-26-196420
**Filing Date:** 2026-4
**Character Count:** 69292
**Document Hash:** 22f08b3c5c9d46b4eaac07dc235faa4c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-196420.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001193125-26-196420

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** RIVERSOURCE LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0000727892
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]

**ORGANIZATION NAME:**
- **EIN:** 410823832
- **STATE OF INCORPORATION:** MN
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-265678
- **FILM NUMBER:** 26923464

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

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

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

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

## Series and Classes Contracts Data

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

| Class ID   | Class Name                   | Ticker Symbol   |
|:---|:---|:---|
| C000261987 | Structured Solutions Annuity |  |

*RiverSource*<sup>®</sup>

*Structured Solutions*<sup>SM</sup> annuity

**INDIVIDUAL LIMITED FLEXIBLE PURCHASE PAYMENTS DEFERRED INDEX-LINKED ANNUITY CONTRACT AND INTERESTS THEREIN** 

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| | |
|:---|:---|
| **Issued by:** | **RiverSource Life Insurance Company (RiverSource Life)** |
|  | &nbsp;&nbsp; 70100 Ameriprise Financial Center <br> Minneapolis, MN 55474 <br> Telephone: 1-800-862-7919 <br> (Service Center)<br>|

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**Updating Summary Prospectus**

**May 1, 2026**

The Prospectus for the *RiverSource Structured Solutions annuity* (the Contract), a group deferred combination fixed/variable annuity contract issued by RiverSource Life Insurance Company ("RVS Life", "we", "us" and "our"), is available and contains more information about the Contract including its features, benefits and risks. You can find the current prospectus and other information about the Contract online at riversource.com/annuities. You can also obtain this information at no cost by calling 1-800-862-7919 or by sending an email request to riversource.annuityservice@ampf.com.

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

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

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*RiverSource Structured Solutions annuity* — Summary Prospectus 1

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Contents

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

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| | |
|:---|:---|
| [Key Terms](#xx_0b3f6e36-99e2-4d0b-9bd9-3050557027cb_1) | 5 <br>|
| [Updated Information You Should Consider About the](#xx_a3ac48f0-eb80-4c28-a333-21ab075515a4_1)[Contract](#xx_a3ac48f0-eb80-4c28-a333-21ab075515a4_1) | 7  |
| [Important Information You Should Consider About the Contract](#xx_42f683ac-ad8d-4616-816b-01be9339eb02_1) | 8  |
| [Appendix A: Investment Options Available Under the Contract](#xx_488cbb4e-1959-4815-9bc2-22ffe07a66fb_1) | 15 |

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2 RiverSource Structured Solutions annuity — Summary Prospectus

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Key Terms

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

**Annual Fee (Reduction Rate).** A percentage that applies to certain Indexed Accounts (as defined in Your Contract) which is used to determine the Total Reduction Rate.

**Buffer.** A protection option for certain Crediting Methods. The Buffer percentage is the maximum percentage decrease in the Index rate of return before the Segment will incur a loss. If the Index rate of return is more negative than the Buffer percentage, the negative Index rate of return will be reduced by the Buffer percentage. If the Index rate of return is negative and between zero and the Buffer percentage (inclusive of the Buffer percentage), the Segment will not have a loss due to negative Index performance. The Buffer percentage for each applicable Indexed Account will not change for the duration of the Contract.

**Business Day.** Any day, Monday through Friday, on which the New York Stock Exchange ("NYSE") is open for regular trading. Our Business Day ends at 4 p.m. Eastern time unless the NYSE closes earlier. When the NYSE closes, the next Business Day starts. If the Securities and Exchange Commission determines the existence of emergency conditions on any day and, consequently, the NYSE does not open for regular trading, then that day is not a Business Day. We will process your purchase payment or any transaction request (such as a transfer or surrender request) as of the Business Day We receive Your request.

**Cap.** For certain Crediting Methods, a declared maximum rate of return for a Segment when the Index rate of return is positive.

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

**Contingent Yield.** A declared rate of return for certain Crediting Methods that limits positive Index returns. You will earn a predetermined rate of return if the Index rate of return is positive or is a loss that does not exceed the Buffer or Trigger percentage.

**Contract Anniversary.** The same Day and month as the Contract Date each year that the Contract remains in force.

**Contract Date.** The effective date of the Contract from which Contract Anniversaries and Contract years are determined.

**Contract Value.** The sum of the values in the Fixed Account, the Interim Account and the Indexed Account(s).

**Crediting Method.** A method used to determine the Segment rate of return.

**Day.** A calendar day, unless specified otherwise.

**Fixed Account.** An option available to which You may allocate the initial purchase payment and Contract Value. The Fixed Account is part of the General Account.

**Floor.** A protection option that places a limit or floor on the negative Index rate of return (if any) for certain Crediting Methods. The Floor percentage is the maximum percentage decrease in the Index rate of return that You will incur. If the Index rate of return is more negative than the Floor percentage, the Segment rate of return will equal the Floor percentage. The Floor percentage for each applicable Indexed Account will not change for the duration of the Contract.

**General Account.** The account that holds all of RiverSource Life's assets, other than assets in any separate account(s) it may maintain.

**Good Order.** We cannot process Your transaction request relating to the Contract until We have received the request in Good Order at our Service Center. "Good order" means the actual receipt of the transaction request in writing, along with all information, forms and supporting legal documentation necessary to affect 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 include Your completed request; the Contract number; the transaction amount (in dollars); the names of and allocations to and/or from the Indexed Accounts and the Fixed Account affected by the requested transaction; Social Security Number or Taxpayer Identification Number; and any other information, forms or supporting documentation that We may require. For certain transactions, at Our option, We may require the signature of all Contract 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 affect 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.

**Index.** A published index used to determine the rate of return for each Segment. For purposes of this Contract, an Exchange Traded Fund (ETF) is considered an index.

**Indexed Account.** An option available to which You may allocate the initial purchase payment and Contract Value. Each Indexed Account includes an Index(es), Crediting Method, duration and protection option with a protection percentage. The Crediting Method, duration and applicable protection option and percentage for each Indexed Account will not change for the duration of the Contract.

**Indexed Account Value.** The value representing the sum of the Segment Value(s) for the applicable Indexed Account.

**Interim Account.** Used to hold additional purchase payments until the next Contract Anniversary and any amounts transferred automatically to it if you elect automated partial surrenders and the automated transfer program. This program will transfer up to the annual total of your automated partial surrenders or any positive

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*RiverSource Structured Solutions annuity* — Summary Prospectus 5

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Contingent Yield earnings (depending on the option You elect) to the Interim Account on each contract anniversary (see "Surrenders - Automated Transfer Program"). The Interim Account is part of the General Account.

**Investment Base.** The Investment Base is used to calculate the Segment Value. Each Segment has its own Investment Base. When a Segment starts, the Investment Base is set equal to the portion of the purchase payment or Contract Value that is allocated to an Indexed Account. The Investment Base is adjusted proportionally for partial surrenders based on the percentage of Segment Value that is surrendered (i.e. the Investment Base is reduced by more or less than the dollar amount surrendered depending on whether the Segment Value is less than or greater than the Investment Base, which is generally dependent upon the performance of the Index in addition to other factors. See "Valuing Your Investment – Segment Value Calculation for Indexed Account(s)" for more information). **The Investment Base is separate from Your Contract Value and Segment Value and cannot be withdrawn in a lump sum or annuitized and is not payable as a death benefit.**

**Owner, You, Your.** "Owner," "You" or "Your" refer to the Owner or Owners of this Contract. Any Contract provisions based on the Age of the Owner will be based on the Age of the oldest Owner. Any ownership change, including continuation of the contract by Your spouse under the Spouse's Option to Continue Contract provision, redefines "Owner," "You" and "Your" as the new Owner.

**Rate Lock Period**. A period measured from the application date when the initial rates, Caps, Contingent Yields and Total Reduction Rates will be based on those in effect on the application date. For Contracts with application dates before September 14, 2020, the rate lock period is 60 days plus the number of days until the next scheduled Contract Date on or after the 60th day. Otherwise, the Rate Lock Period is 30 days plus the number of days until the next business day after the 30th day.

**Segment.** A Segment is created each time an amount is allocated to an Indexed Account. A Segment can only start on the Contract Date or on a Contract Anniversary.

**Segment Maturity Date.** The date a Segment ends. This is the Contract Anniversary date either (1) after the specified number of years in a Segment following the start date or (2) as changed under the elective lock provision.

**Segment Value.** The amount of Your Contract Value that is allocated to a Segment. The value fluctuates daily. <br>

**Segment Value Calculation.** The calculation used to determine the daily Segment Value on any day other than on the Segment start date and the Segment Maturity Date. The result of this calculation determines the amount available for full and partial surrenders (including

RMDs and the Total Surrender Charge Free Amount), death benefits, and amounts applied to an annuity payment plan, as well as for the elective lock feature.

**Surrender Charge.** A charge We may deduct, based on the Surrender Charge schedule You selected at the time of application, if You surrender all or part of Your Contract Value before the end of the Surrender Charge period. A Surrender Charge does not apply to the Total Surrender Charge Free Amount.

**Surrender Value.** The amount You are entitled to receive if You make a full surrender from Your Contract. It is the Contract Value as of the Business Day we receive your request less any Surrender Charges.

**Total Reduction Rate.** A percentage (based on the Annual Fee (Reduction Rate) and the duration of the Indexed Account) that applies to certain Indexed Accounts. It reduces the Segment rate of return (e.g., lowers a positive Segment rate of return and increases a negative Segment rate of return) on the Segment Maturity Date. Prior to the Segment Maturity Date, a portion of the Total Reduction Rate is reflected in the Segment Value based on the portion of the Segment that has elapsed. In Your Contract, this is defined as "total fee".

**Total Surrender Charge Free Amount.** The total amount You may surrender in any contract year during the Surrender Charge period without incurring a Surrender Charge. The Total Surrender Charge Free Amount is subject to the Segment Value Calculation if surrendered before the Segment Maturity Date.

**Transfer Window.** The 30-day period of time before a Contract Anniversary during which You may request a transfer of any Contract Value in the Fixed Account, Interim Account, and any Segments that mature on that Contract Anniversary to the Fixed Account and any available Indexed Accounts.

**Trigger.** A protection option for certain Crediting Methods with a Contingent Yield. The Trigger percentage is the maximum percentage decrease in the Index before the Segment will incur a loss. If the Index rate of return is more negative than the Trigger percentage, this option provides no protection, and the Segment will incur the full Index loss (unlike the Buffer protection that would reduce the loss). If the Index rate of return is negative and between zero and the Trigger percentage, the Segment will not have a loss. The Trigger percentage for each applicable Indexed Account will not change for the duration of Your Contract.

**Upside Participation Rate.** A declared percentage that may adjust the rate of return for certain Crediting Methods.

**We, Us, Our.** Any reference to "We," "Us" or "Our" means RiverSource Life Insurance Company.

**Written Request.** A request in writing on a form acceptable to Us, signed by You and delivered to Us at Our service center. We may allow requests by other methods agreed to by Us.

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6 *RiverSource Structured Solutions annuity* — Summary Prospectus

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Updated Information You Should Consider About the Contract

There have been no changes to the Contract during the applicable time period.

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*RiverSource Structured Solutions annuity* — Summary Prospectus 7

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Important Information You Should Consider About the Contract

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| | | |
|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Are There Charges** <br> **or Adjustments for** <br> **Early** <br> **Withdrawals?**<br>| &nbsp;&nbsp; **Yes.** <br> If you take a surrender during the first 3 or 6 Contract Years (depending on <br> which Surrender Charge schedule you select), you may be assessed a <br> Surrender Charge of up to 8% of the amount of the purchase payment <br> surrendered. For example, if you make an early withdrawal, you could pay a <br> Surrender Charge of up to $8,000 on a $100,000 investment. The amount <br> available for surrender will be lower if there is a decrease in Contract Value <br> due to the Segment Value Calculation. Taxes and/or tax penalties may also <br> apply.<br> If all or a portion of Contract Value is removed from a Segment prior to the <br> Segment Maturity Date, the Segment Value Calculation is used to <br> determine the amount available. In extreme circumstances, depending on <br> the Indexed Account(s) you select, You could lose up to 100% of the <br> amount invested in a Segment due to the Segment Value Calculation. For <br> example, if you allocate $100,000 to a 3-year Segment and take a <br> surrender before the 3 years have ended, you could lose up to $100,000. <br> Full and partial surrenders (including RMDs and the Total Surrender Charge <br> Free Amount), death benefits, and annuitization from the Segments before <br> the Segment Maturity Date, as well as the elective lock feature, will be <br> based on the Segment Value Calculation.<br> Losses due to the Segment Value Calculation will be greater if you also <br> have to pay Surrender Charges. Taxes and/or tax penalties may also apply. | &nbsp;&nbsp; **Fee Table**<br> **Contract Fees,** <br> **Charges, and** <br> **Value Adjustments**<br> **Valuing Your** <br> **Investment**<br>|
| **Are There** <br> **Transaction** <br> **Charges?**<br>| **No.**  |  |

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|:---|:---|:---|:---|:---|
|  | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp; **Yes.** <br> The table below describes the current fees and expenses that You may pay <br> *each year*, depending on the optional benefits You choose. Please refer to <br> Your Contract specifications page for information about the specific fees <br> You will pay each year based on the options You have elected. <br> **There is an implicit ongoing fee on the Segments to the extent that Your** <br> **participation in Index gains is limited by Us through the use of a Cap,** <br> **Contingent Yield, and/or Total Reduction Rate. This means that Your** <br> **returns may be lower than the Index's returns. However, in return for** <br> **accepting this limit on Index gains, You may receive some protection** <br> **from Index losses. This implicit ongoing fee is not reflected in the tables** <br> **below.** | &nbsp;&nbsp; **Yes.** <br> The table below describes the current fees and expenses that You may pay <br> *each year*, depending on the optional benefits You choose. Please refer to <br> Your Contract specifications page for information about the specific fees <br> You will pay each year based on the options You have elected. <br> **There is an implicit ongoing fee on the Segments to the extent that Your** <br> **participation in Index gains is limited by Us through the use of a Cap,** <br> **Contingent Yield, and/or Total Reduction Rate. This means that Your** <br> **returns may be lower than the Index's returns. However, in return for** <br> **accepting this limit on Index gains, You may receive some protection** <br> **from Index losses. This implicit ongoing fee is not reflected in the tables** <br> **below.** | &nbsp;&nbsp; **Yes.** <br> The table below describes the current fees and expenses that You may pay <br> *each year*, depending on the optional benefits You choose. Please refer to <br> Your Contract specifications page for information about the specific fees <br> You will pay each year based on the options You have elected. <br> **There is an implicit ongoing fee on the Segments to the extent that Your** <br> **participation in Index gains is limited by Us through the use of a Cap,** <br> **Contingent Yield, and/or Total Reduction Rate. This means that Your** <br> **returns may be lower than the Index's returns. However, in return for** <br> **accepting this limit on Index gains, You may receive some protection** <br> **from Index losses. This implicit ongoing fee is not reflected in the tables** <br> **below.** | &nbsp;&nbsp; **Fee Table**<br> **Contract Fees,** <br> **Charges, and** <br> **Value Adjustments**<br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | **Annual Fee** | **Minimum** | **Maximum** | &nbsp;&nbsp; **Fee Table**<br> **Contract Fees,** <br> **Charges, and** <br> **Value Adjustments**<br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | Base Contract  | 0.00% | 0.00% | &nbsp;&nbsp; **Fee Table**<br> **Contract Fees,** <br> **Charges, and** <br> **Value Adjustments**<br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp; Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning the Contract, <br> the following table shows the lowest and highest cost You could pay each <br> year, based on current charges. This estimate assumes that You do not <br> take withdrawals from the Contract, **which could add Surrender Charges** <br> **and negative Segment Value Calculations that substantially increase** <br> **costs.** | &nbsp;&nbsp; Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning the Contract, <br> the following table shows the lowest and highest cost You could pay each <br> year, based on current charges. This estimate assumes that You do not <br> take withdrawals from the Contract, **which could add Surrender Charges** <br> **and negative Segment Value Calculations that substantially increase** <br> **costs.** | &nbsp;&nbsp; Because Your Contract is customizable, the choices You make affect how <br> much You will pay. To help You understand the cost of owning the Contract, <br> the following table shows the lowest and highest cost You could pay each <br> year, based on current charges. This estimate assumes that You do not <br> take withdrawals from the Contract, **which could add Surrender Charges** <br> **and negative Segment Value Calculations that substantially increase** <br> **costs.** | &nbsp;&nbsp; **Fee Table**<br> **Contract Fees,** <br> **Charges, and** <br> **Value Adjustments**<br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp; **Lowest Annual Cost:**<br> **$0**<br>| &nbsp;&nbsp; **Highest Annual Cost:**<br> **$0** | &nbsp;&nbsp; **Highest Annual Cost:**<br> **$0** | &nbsp;&nbsp; **Fee Table**<br> **Contract Fees,** <br> **Charges, and** <br> **Value Adjustments**<br> **Crediting Methods** |
| **Are There Ongoing** <br> **Fees and** <br> **Expenses?**  | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation (Index rate <br> of return)<br> •Least expensive combination of <br> Indexed Accounts<br> •No sales charge<br> •No additional withdrawals<br>| &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation(Index rate <br> of return)<br> •Most expensive combination of <br> Indexed Accounts <br> •No sales charge<br> •No additional withdrawals | &nbsp;&nbsp;&nbsp; Assumes:<br> •Investment of $100,000<br> •5% annual appreciation(Index rate <br> of return)<br> •Most expensive combination of <br> Indexed Accounts <br> •No sales charge<br> •No additional withdrawals | &nbsp;&nbsp; **Fee Table**<br> **Contract Fees,** <br> **Charges, and** <br> **Value Adjustments**<br> **Crediting Methods** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9

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|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Is There a Risk of** <br> **Loss from Poor** <br> **Performance?**<br>| &nbsp;&nbsp; **Yes.**You can lose money by investing in the Contract. After taking into <br> account the current limits on loss under the Contract, if You invest in an <br> Indexed Account with an Annual Fee (Reduction Rate) or an Annual Lock <br> Indexed Account and hold the Segment until the Segment Maturity Date, <br> the maximum amount of loss You could experience due to negative Index <br> performance is up to 100% of your investment, including any prior <br> earnings. If You invest in any other Indexed Account with a Buffer, the <br> maximum amount of loss You could experience ranges from 75% to 90% of <br> your investment, including any prior earnings, depending on the Indexed <br> Account(s) You select. If you invest in an Indexed Account with a Floor and <br> hold the Segment until the Segment Maturity Date, the maximum amount <br> of loss You could experience due to negative Index performance is 10% of <br> your investment, including any prior earnings. If you invest in an Indexed <br> Account with a Trigger and hold the Segment until the maturity date, the <br> maximum amount of loss You could experience due to negative Index <br> performance is 100% of your investment, including any prior earnings.<br> We guarantee that the S&P 500 1-year with -10% Buffer Indexed Account <br> will always be available with a Guaranteed Minimum Cap of 2%. In such <br> case, if You invest in this Indexed Account with a -10% Buffer and hold the <br> Segment until the maturity date, You could lose up to 90% of Your <br> investment, including any prior earnings, due to negative Index <br> performance. There is no guarantee a Floor or Trigger protection option will <br> always be available or that the contract will offer any indexed accounts that <br> limit Index loss other than the S&P 500 1 year with -10% Buffer Indexed <br> Account. Without downside protection there is risk of loss of the entire <br> amount invested.  | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Crediting Methods**<br>|

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **Is this a** <br> **Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp;&nbsp; **No.**<br> •The Contract is not a short-term investment and is not appropriate for an <br> investor who needs ready access to cash.<br> •The Contract's tax deferral and long-term income features are generally <br> more beneficial to investors who intend to hold the Contract for a long <br> period of time and then use the Contract Value to supplement retirement <br> income or for other long-term investment purposes.<br> •Surrenders from the Contract may result in Surrender Charges, taxes <br> and/or tax penalties. The Segment Value Calculation may decrease the <br> amount available for surrender from a Segment before the Segment <br> Maturity Date. <br> •Partial surrenders from the Segments will reduce the Investment Base <br> for the Segment based on the percentage of Segment Value that is <br> withdrawn. The reduction to the Investment Base may be greater than <br> the amount withdrawn. <br> •Reductions to the Investment Base will reduce your Segment Value for <br> the remainder of the Segment, including the amount available on the <br> Segment Maturity Date, which may result in loss of positive Index <br> performance.<br> •Partial surrenders (including RMDs, the Total Surrender Charge Free <br> Amount, and Contingent Yield earnings when using the optional <br> automated transfer program) will proportionally reduce any guaranteed <br> death benefit based on the percentage of Contract Value that is <br> withdrawn. The reduction to the death benefit may be greater than the <br> value withdrawn. <br> •At the end of each Segment, on the Contract Anniversary that coincides <br> with the Segment Maturity Date, all or a portion of your Contract Value <br> will be reallocated according to Your instructions. If no transfer <br> instructions are received and You have not elected automatic <br> rebalancing, any Contract Value in the Interim Account (excluding any <br> amounts for the automated transfer program) will transfer to the Fixed <br> Account. Any Contract Value in a maturing Segment (excluding amounts <br> transferred under the optional automated transfer program) will renew <br> into a new Segment for the same Indexed Account. If the Indexed <br> Account is no longer available, the Contract Value in the maturing <br> Segment will be automatically transferred to the Fixed Account for the <br> next Contract Year. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Transfers**<br> **Surrenders**<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **What Are the** <br> **Risks Associated** <br> **with the** <br> **Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; An investment in the Contract is subject to the risk of poor investment <br> performance and can vary depending on the performance of the <br> investment options available under the Contract (e.g., the Indexes). Each <br> investment option (including the Fixed Account) will have its own unique <br> risks. You should review the available investment options before making an <br> investment decision.<br> The Cap, Contingent Yield, and/or Total Reduction Rate, as applicable, may <br> limit positive Index returns (e.g., limited upside). This may result in You <br> earning less than the Index rate of return. For example:<br> •*Cap.* If the Index rate of return is 15% and the Cap is 10%, the Segment <br> rate of return will be 10% (the Index rate of return up to the Cap on the <br> Segment Maturity Date).<br> •*Contingent Yield*. If the Index rate of return is 15% and the Contingent <br> Yield is 8%, the Segment rate of return will be 8% (the Contingent Yield) <br> on the Segment Maturity Date.<br> •*Total Reduction Rate.* If the Index rate of return is 15%, there is no Cap, <br> and the Total Reduction Rate is 2%, the Segment rate of return will be <br> 13% (the Index rate of return, minus the Total Reduction Rate) on the <br> Segment Maturity Date. For Indexed Accounts with an Annual Fee <br> (Reduction Rate), the Total Reduction Rate will be deducted from the rate <br> of return after any applicable Cap or Buffer is applied.<br> The Buffer, Floor or Trigger percentage, as applicable, may limit negative <br> Index returns (e.g., limited protection in the case of market decline). For <br> example:<br> •*Buffer.* The Buffer percentage is the maximum percentage decrease in <br> the Index Value before the Segment rate of return will incur a loss. You <br> are responsible for all losses in excess of the Buffer. If the Index rate of <br> return is -15% and the Buffer percentage is -10%, the Segment rate of <br> return will be -5% (the amount of the negative Index rate of return that <br> exceeds the Buffer percentage) on the Segment Maturity Date. For <br> Indexed Accounts with an Annual Fee (Reduction Rate), the Total <br> Reduction Rate will reduce the rate of return after the Buffer is applied. <br> For example, if the Index rate of return for a 3-year Segment is -5%, the <br> Buffer is -10%, and the Total Reduction Rate is 3%, the Segment rate of <br> return will be -3%<br> •*Floor.* The Floor percentage is the maximum percentage decrease in the <br> Index rate of return that You will incur. You are responsible for any losses <br> up to and including the Floor. If the Index rate of return is -15% and the <br> Floor percentage is -10%, the Segment rate of return will be -10% (the <br> Floor percentage) on the Segment Maturity Date.<br> •*Trigger.* The Trigger percentage is the maximum percentage decrease in <br> the Index rate of return before the Segment will incur a loss. You are <br> responsible for the full loss if the Index rate of return is negative and the <br> loss exceeds the Trigger. If the Index rate of return is -35% and the <br> Trigger percentage is -25%, the Segment rate of return will be -35% (the <br> full negative Index rate of return) on the Segment Maturity Date.<br> •Each Index is a "price return index," not a "total return" Index, and <br> therefore does not reflect dividends paid on the securities composing the <br> Index. Additionally, the iShares U.S. Real Estate ETF deducts underlying <br> fund fees or expenses when calculating performance. This will reduce <br> the Index return and cause the Index to underperform a direct <br> investment in the securities composing the Index. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Investment** <br> **Options**<br> **Crediting Methods**<br>|

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| | | |
|:---|:---|:---|
|  | **RISKS** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **What Are the** <br> **Risks Related to** <br> **the Insurance** <br> **Company?** <br>| &nbsp;&nbsp; An investment in the Contract is subject to the risks related to Riversource <br> Life Insurance Company. Any obligations (including under the Fixed Account <br> and the Indexed Accounts), guarantees, or benefits are subject to Our <br> claims-paying ability. Information about RiverSource Life Insurance <br> Company, including Our financial strength ratings, is available upon request <br> by contacting 1-800-862-7919. | &nbsp;&nbsp; **Principal Risks of** <br> **Investing in the** <br> **Contract**<br> **Other Information**<br>|
|  | **RESTRICTIONS** |  |
| **Are There** <br> **Restrictions on** <br> **the Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Yes.**<br> •Transfers<br> •Transfers to and from the Fixed Account and Indexed Accounts may <br> only be requested each Contract Year during the 30-day Transfer <br> Window that ends on the Contract Anniversary coinciding with the <br> Segment Maturity Date. The transfer will be made on the Contract <br> Anniversary.<br> •You may transfer any Contract Value in the Interim Account (excluding <br> any amounts in the Interim Account for the automated transfer <br> program) to the Fixed Account and any available Indexed Accounts <br> once each Contract Year on the Contract Anniversary.<br> •If You elect Automatic Rebalancing, You may not be invested in multi-year <br> Indexed Accounts.<br> •If You elect the 3-year Surrender Charge schedule, You may not invest in <br> 6-year Indexed Accounts during the entire time that You own the <br> Contract.<br> •We may add new Indexed Accounts or discontinue an Indexed Account.<br> •We may substitute an Index during a Segment or on the Segment <br> Maturity Date.<br> •We may stop offering certain Crediting Methods.<br> •We can change the interest rates for the Fixed and Interim Accounts, and <br> the Cap, Contingent Yield, Upside Participation Rate and Total Reduction <br> Rate from one Segment to the next, subject to the applicable guaranteed <br> minimum rates (or guaranteed maximum rate for the Total Reduction <br> Rate).<br> •We may limit the percentage of Contract Value in the Fixed Account and <br> prohibit or limit transfers to the Fixed Account at any time in Our sole <br> discretion on a non-discriminatory basis with notification.<br> •Additional purchase payments can only be made for 90 days after issue <br> and are invested in the Interim Account until the first Contract <br> Anniversary. | &nbsp;&nbsp; **Purchasing the** <br> **Contract**<br> **Indexed Accounts**<br> **Crediting Methods**<br> **Transfers**<br>|
| **Are There Any** <br> **Restrictions on** <br> **Contract** <br> **Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> •Except as provided otherwise under the Contract, Contract benefits may <br> not be modified or terminated by Us. <br> •All partial surrenders will proportionally reduce any guaranteed death <br> benefit based on the percentage of Contract Value that is withdrawn. The <br> reduction to the death benefit may be greater than the amount <br> withdrawn.<br> •If an elective lock is exercised on a multi-year Segment, the Segment <br> Maturity Date will be changed to the next Contract Anniversary if the <br> original Segment Maturity Date was a later Contract Anniversary date. | &nbsp;&nbsp; **Valuing Your** <br> **Investment –** <br> **Elective Lock**<br> **Surrenders**<br> **Death Benefits**<br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13

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| | | |
|:---|:---|:---|
|  | **TAXES** | &nbsp;&nbsp; **Location in** <br> **Statutory** <br> **Prospectus**<br>|
| **What Are the** <br> **Contract's Tax** <br> **Implications?**<br>| &nbsp;&nbsp;&nbsp; •You should consult with a tax professional to determine the tax <br> implications of an investment in and purchase payments received under <br> the Contract. There is no additional tax benefit if the Contract is <br> purchased through a tax-qualified plan or individual retirement account <br> ("IRA"). Surrenders will be subject to ordinary income tax, and may be <br> subject to tax penalties. | **Taxes** |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are** <br> **Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Your investment professional may receive compensation for selling this <br> Contract to You, in the form of commissions, additional cash benefits (e.g., <br> bonuses), and non-cash compensation. This financial incentive may <br> influence Your investment professional to recommend this Contract over <br> another investment for which the investment professional is not <br> compensated or compensated less. | **Other Information** |
| **Should I Exchange** <br> **My Contract?**<br>| &nbsp;&nbsp; If You already own an annuity or insurance Contract, some investment <br> professionals may have a financial incentive to offer You a new Contract in <br> place of the one You already own. You should only exchange a Contract You <br> already own if You determine, after comparing the features, fees, and risks <br> of both Contracts, and any fees or penalties to terminate the existing <br> contract, that it is better for You to purchase the new Contract rather than <br> continue to own Your existing Contract. | &nbsp;&nbsp; **Taxes –** <br> **Non-Qualified** <br> **Annuities – 1035** <br> **Exchanges**<br>|

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Appendix A: Investment Options Available Under the Contract

The following is a list of Indexed Accounts currently available under the Contract. We may change the features of the Indexed Accounts listed below (including the Index and the current limits on Index gains and losses), offer new Indexed Accounts, and terminate existing Indexed Accounts. We will provide You with written notice before making any changes other than changes to current limits on Index gains. Information about current limits on Index gains is available at riversource.com/structuredannuityrates.

**Note: If amounts are removed from a Segment before the Segment Maturity Date, the amount is determined based on the Segment Value Calculation. This may result in a significant reduction in your Contract Value that could exceed any protection from Index loss that would be in place if you held the Segment until the maturity date. See "Contract Fees, Charges, and Value Adjustments" and "Crediting Methods" for more information.** 

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **Held Until**<br> **Segment**<br> **Maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **Held Until**<br> **Segment**<br> **Maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **Life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **Life of the Indexed**<br> **Account)** | **Maximum**<br> **Loss on**<br> **Segment**<br> **Maturity**<br> **Date**<br>|
| **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** | **Standard Indexed Accounts** |
| iShares U.S. Real Estate ETF <br> 1-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| iShares U.S. Real Estate ETF <br> 1-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| iShares U.S. Real Estate ETF <br> 2-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 4% | Minimum Cap | 90% |
| iShares U.S. Real Estate ETF <br> 2-year with -10% Buffer | iShares <br> U.S. Real <br> Estate ETF | ETF | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 1-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| MSCI EAFE 1-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 2-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 4% | Minimum Cap | 90% |
| MSCI EAFE 2-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 3-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 6% | Minimum Cap | 90% |
| MSCI EAFE 3-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 3-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 6% | Minimum Cap | 85% |
| MSCI EAFE 3-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| MSCI EAFE 6-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 8% | Minimum Cap | 90% |
| MSCI EAFE 6-year with -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 6-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 8% | Minimum Cap | 85% |
| MSCI EAFE 6-year with -15% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| MSCI EAFE 6-year with -25% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -25% | Buffer | 8% | Minimum Cap | 75% |
| MSCI EAFE 6-year with -25% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| MSCI Emerging Markets 1-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| MSCI Emerging Markets 1-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI Emerging Markets 2-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 4% | Minimum Cap | 90% |
| MSCI Emerging Markets 2-year <br> with -10% Buffer | MSCI Emerging <br> Markets | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Nasdaq 100 1-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| Nasdaq 100 1-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Nasdaq 100 2-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 4% | Minimum Cap | 90% |
| Nasdaq 100 2-year with -10% <br> Buffer | Nasdaq 100 | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 1-year with -10% <br> Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| Russell 2000 1-year with -10% <br> Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **Held Until**<br> **Segment**<br> **Maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **Held Until**<br> **Segment**<br> **Maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **Life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **Life of the Indexed**<br> **Account)** | **Maximum**<br> **Loss on**<br> **Segment**<br> **Maturity**<br> **Date**<br>|
| Russell 2000 2-year with -10% <br> Buffer | Russell 2000  | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 4% | Minimum Cap | 90% |
| Russell 2000 2-year with -10% <br> Buffer | Russell 2000  | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 3-year with -10% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 6% | Minimum Cap | 90% |
| Russell 2000 3-year with -10% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 3-year with -15% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 6% | Minimum Cap | 85% |
| Russell 2000 3-year with -15% <br> Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Russell 2000 6-year with -10% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 8% | Minimum Cap | 90% |
| Russell 2000 6-year with -10% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| Russell 2000 6-year with -15% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 8% | Minimum Cap | 85% |
| Russell 2000 6-year with -15% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| Russell 2000 6-year with -25% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -25% | Buffer | 8% | Minimum Cap | 75% |
| Russell 2000 6-year with -25% <br> Buffer | Russell 2000  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 1-year with -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 1-year with -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 1-year with -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 2% | Minimum Cap | 85% |
| S&P 500 1-year with -15% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 1-year with -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -20% | Buffer | 2% | Minimum Cap | 80% |
| S&P 500 1-year with -20% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -20% | Buffer | 100% | Minimum Upside <br> Participation<br>| 80% |
| S&P 500 2-year with -10% Buffer | S&P 500  | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 4% | Minimum Cap | 90% |
| S&P 500 2-year with -10% Buffer | S&P 500  | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 3-year with -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500 3-year with -10% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 3-year with -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 6% | Minimum Cap | 85% |
| S&P 500 3-year with -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 6-year with -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500 6-year with -10% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 6-year with -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 8% | Minimum Cap | 85% |
| S&P 500 6-year with -15% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -15% | Buffer | 100% | Minimum Upside <br> Participation<br>| 85% |
| S&P 500 6-year with -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -25% | Buffer | 8% | Minimum Cap | 75% |
| S&P 500 6-year with -25% Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -25% | Buffer | 100% | Minimum Upside <br> Participation<br>| 75% |
| S&P 500 ESG 1-year with -10% <br> Buffer | S&P 500 <br> Scored & <br> Screened\*\* | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 ESG 1-year with -10% <br> Buffer | S&P 500 <br> Scored & <br> Screened\*\* | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 ESG 2-year with -10% <br> Buffer | S&P 500 <br> Scored & <br> Screened\*\* | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 4% | Minimum Cap | 90% |
| S&P 500 ESG 2-year with -10% <br> Buffer | S&P 500 <br> Scored & <br> Screened\*\* | Market Index | 2 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 1-year with -10% Floor | MSCI EAFE | Market Index | 1 year | Point-to-Point <br> with a Floor | -10% | Floor | 2% | Minimum Cap | 10% |
| MSCI EAFE 1-year with -10% Floor | MSCI EAFE | Market Index | 1 year | Point-to-Point <br> with a Floor | -10% | Floor | 100% | Minimum Upside <br> Participation<br>| 10% |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **Held Until**<br> **Segment**<br> **Maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **Held Until**<br> **Segment**<br> **Maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **Life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **Life of the Indexed**<br> **Account)** | **Maximum**<br> **Loss on**<br> **Segment**<br> **Maturity**<br> **Date**<br>|
| S&P 500 1-year with -10% Floor | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Floor | -10% | Floor | 2% | Minimum Cap | 10% |
| S&P 500 1-year with -10% Floor | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Floor | -10% | Floor | 100% | Minimum Upside <br> Participation<br>| 10% |
| S&P 500 ESG 1-year with -10% <br> Floor | S&P 500 <br> Scored & <br> Screened\*\* | Market Index | 1 year | Point-to-Point <br> with a Floor | -10% | Floor | 2% | Minimum Cap | 10% |
| S&P 500 ESG 1-year with -10% <br> Floor | S&P 500 <br> Scored & <br> Screened\*\* | Market Index | 1 year | Point-to-Point <br> with a Floor | -10% | Floor | 100% | Minimum Upside <br> Participation<br>| 10% |
| **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** | **Annual Lock Indexed Accounts** |
| MSCI EAFE 3-year Annual Lock <br> with -10% Buffer<br>| MSCI EAFE  | Market Index | 3 years | Annual Lock with <br> a Buffer<br>| -10% | Buffer | 2% | Minimum Cap | 99.9% |
| MSCI EAFE 6-year Annual Lock <br> with -10% Buffer<br>| MSCI EAFE  | Market Index | 6 years | Annual Lock with <br> a Buffer<br>| -10% | Buffer | 2% | Minimum Cap | 100% |
| Russell 2000 3-year Annual Lock <br> with -10% Buffer<br>| Russell 2000  | Market Index | 3 years | Annual Lock with <br> a Buffer<br>| -10% | Buffer | 2% | Minimum Cap | 99.9% |
| Russell 2000 6-year Annual Lock <br> with -10% Buffer<br>| Russell 2000  | Market Index | 6 years | Annual Lock with <br> a Buffer<br>| -10% | Buffer | 2% | Minimum Cap | 100% |
| S&P 500 3-year Annual Lock with <br> -10% Buffer<br>| S&P 500  | Market Index | 3 years | Annual Lock with <br> a Buffer<br>| -10% | Buffer | 2% | Minimum Cap | 99.9% |
| S&P 500 6-year Annual Lock with <br> -10% Buffer<br>| S&P 500  | Market Index | 6 years | Annual Lock with <br> a Buffer<br>| -10% | Buffer | 2% | Minimum Cap | 100% |
| **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** | **Contingent Yield Indexed Accounts** |
| S&P 500 1-year Contingent Yield <br> with -10% Buffer<br>| S&P 500  | Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Buffer<br>| -10% | Buffer | 1% | Minimum <br> Contingent Yield<br>| 90% |
| S&P 500 1-year Contingent Yield <br> with -15% Buffer<br>| S&P 500  | Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Buffer<br>| -15% | Buffer | 1% | Minimum <br> Contingent Yield<br>| 85% |
| S&P 500 1-year Contingent Yield <br> with -20% Buffer<br>| S&P 500  | Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Buffer<br>| -20% | Buffer | 1% | Minimum <br> Contingent Yield<br>| 80% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Yield with <br> -10% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of)<br>| Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Buffer<br>| -10% | Buffer | 1% | Minimum <br> Contingent Yield<br>| 90% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Yield with <br> -15% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Buffer<br>| -15% | Buffer | 1% | Minimum <br> Contingent Yield<br>| 85% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Yield with <br> -20% Buffer<br>| S&P 500/<br> Russell 2000 <br> (Lesser of) <br>| Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Buffer<br>| -20% | Buffer | 1% | Minimum <br> Contingent Yield<br>| 80% |
| S&P 500 1-year Contingent Yield <br> with -25% Trigger<br>| S&P 500 | Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Trigger<br>| -25% | Trigger | 1% | Minimum <br> Contingent Yield<br>| 100% |
| S&P 500 1-year Contingent Yield <br> with -35% Trigger<br>| S&P 500 | Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Trigger<br>| -35% | Trigger | 1% | Minimum <br> Contingent Yield<br>| 100% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Yield with <br> -25% Trigger<br>| S&P 500/<br> Russell 2000 <br> (Lesser of)<br>| Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Trigger<br>| -25% | Trigger | 1% | Minimum <br> Contingent Yield<br>| 100% |
| S&P 500/Russell 2000 (Lesser <br> of) 1-year Contingent Yield with <br> -35% Trigger<br>| S&P 500/<br> Russell 2000 <br> (Lesser of)<br>| Market Index | 1 year | Point-to-Point <br> with a <br> Contingent Yield <br> and Trigger<br>| -35% | Trigger | 1% | Minimum <br> Contingent Yield<br>| 100% |
| **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** | **Annual Fee (Reduction Rate) Indexed Accounts** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Index\*** | **Type of**<br> **Index**<br>| **Segment**<br> **Duration**<br>| **Crediting**<br> **Method**<br>| **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **Held Until**<br> **Segment**<br> **Maturity)** | **Protection**<br> **Limit on**<br> **Index Loss (if**<br> **Held Until**<br> **Segment**<br> **Maturity)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **Life of the Indexed**<br> **Account)** | **Minimum Limit on**<br> **Index Gain (for the**<br> **Life of the Indexed**<br> **Account)** | **Maximum**<br> **Loss on**<br> **Segment**<br> **Maturity**<br> **Date**<br>|
| MSCI EAFE 1-year with Annual Fee <br> and -10% Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -10% | Buffer | 2% | Minimum Cap | 98% |
| MSCI EAFE 1-year with Annual Fee <br> and -10% Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -10% | Buffer | 8% | Maximum Total <br> Reduction Rate<br>| 98% |
| MSCI EAFE 3-year with Annual Fee <br> and -15% Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -15% | Buffer | 6% | Minimum Cap | 100% |
| MSCI EAFE 3-year with Annual Fee <br> and -15% Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -15% | Buffer | 24% | Maximum Total <br> Reduction Rate<br>| 100% |
| Russell 2000 1-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -10% | Buffer | 2% | Minimum Cap | 98% |
| Russell 2000 1-year with Annual <br> Fee and -10% Buffer | Russell 2000  | Market Index | 1 year | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -10% | Buffer | 8% | Maximum Total <br> Reduction Rate<br>| 98% |
| Russell 2000 3-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -15% | Buffer | 6% | Minimum Cap | 100% |
| Russell 2000 3-year with Annual <br> Fee and -15% Buffer | Russell 2000  | Market Index | 3 years | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -15% | Buffer | 24% | Maximum Total <br> Reduction Rate<br>| 100% |
| S&P 500 1-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -10% | Buffer | 2% | Minimum Cap | 98% |
| S&P 500 1-year with Annual Fee <br> and -10% Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -10% | Buffer | 8% | Maximum Total <br> Reduction Rate<br>| 98% |
| S&P 500 3-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -15% | Buffer | 6% | Minimum Cap | 100% |
| S&P 500 3-year with Annual Fee <br> and -15% Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with an Annual <br> Fee (Reduction <br> Rate) and Buffer | -15% | Buffer | 24% | Maximum Total <br> Reduction Rate<br>| 100% |
| **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** | **Enhanced Upside Participation Indexed Accounts** |
| MSCI EAFE 1-year with Enhanced <br> Upside Participation and -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| MSCI EAFE 1-year with Enhanced <br> Upside Participation and -10% <br> Buffer | MSCI EAFE  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 3-year with Enhanced <br> Upside Participation and -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 6% | Minimum Cap | 90% |
| MSCI EAFE 3-year with Enhanced <br> Upside Participation and -10% <br> Buffer | MSCI EAFE  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| MSCI EAFE 6-year with Enhanced <br> Upside Participation and -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 8% | Minimum Cap | 90% |
| MSCI EAFE 6-year with Enhanced <br> Upside Participation and -10% <br> Buffer | MSCI EAFE  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 1-year with Enhanced <br> Upside Participation and -10% <br> Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 2% | Minimum Cap | 90% |
| S&P 500 1-year with Enhanced <br> Upside Participation and -10% <br> Buffer | S&P 500  | Market Index | 1 year | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 3-year with Enhanced <br> Upside Participation and -10% <br> Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 6% | Minimum Cap | 90% |
| S&P 500 3-year with Enhanced <br> Upside Participation and -10% <br> Buffer | S&P 500  | Market Index | 3 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |
| S&P 500 6-year with Enhanced <br> Upside Participation and -10% <br> Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 8% | Minimum Cap | 90% |
| S&P 500 6-year with Enhanced <br> Upside Participation and -10% <br> Buffer | S&P 500  | Market Index | 6 years | Point-to-Point <br> with a Buffer <br> and a Cap | -10% | Buffer | 100% | Minimum Upside <br> Participation<br>| 90% |

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\*

Each of the Indexes is a "price return index," not a "total return" Index, and therefore does not reflect dividends paid on the securities composing Index. Additionally, the iShares U.S. Real Estate ETF deducts underlying fund fees or expenses when calculating performance. This will reduce the Index return and cause the Index to underperform a direct investment in the securities composing the Index.

\*\* Previously known as S&P 500 ESG.

We will not offer Indexed Accounts with Caps or Contingent Yields below 0.25%; Upside Participation Rates below 100%; or Total Reduction Rates above 30%.

We guarantee that the S&P 500 1-year with -10% Buffer Indexed Account will always be available with a Guaranteed Minimum Cap of 2%. In such case, if You invest in this Indexed Account with a -10% Buffer and hold the Segment until the maturity date, You could lose up to 90% of Your investment, including any prior earnings, due to negative Index performance. There is no guarantee Floor or Trigger protection options will always be available. See "Investment Options – Discontinuation and Substitution of Indexes and Indexed Accounts" for more information.

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The following is a list of fixed options currently available under the Contract. See "Investment Options – Interim Account/Fixed Account" for more information.

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| | |
|:---|:---|
| **Name** | **Guaranteed**<br> **Minimum**<br> **Interest Rate**<br>|
| Interim and Fixed Accounts | Contract Issue Year |
|  | 2020: 1.00% |
|  | 2021: 1.00% |
|  | 2022: 1.00% |
|  | 2023: 2.95% |
|  | 2024: 3.00% |
|  | 2025: 2.65% |
|  | 2026: 2.40% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;19

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

![(RiverSource Annuity Logo)](g52320img776b1f001.jpg)

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

USP9103_12_E01_(05/26)

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

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

EDGAR Contract Identifier: C000261987©2008-2026 RiverSource Life Insurance Company. All rights reserved.

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