Summary Prospectus for New Investors by Investment Company - Form 497VPI

RiverSource®

Variable Universal Life 6 Insurance v3

INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY

Issued by:	RiverSource Life Insurance Company (RiverSource Life)
	70100 Ameriprise Financial Center Minneapolis, MN 55474 Telephone: 1-800-862-7919 (Service Center) Website address: riversource.com/lifeinsurance RiverSource Variable Life Separate Account

Summary Prospectus for New Investors

May 1, 2024

This Summary Prospectus summarizes key features of the RiverSource Variable Universal Life 6 Insurance v3 (the Policy). Before you invest, you should also review the prospectus for the Policy, which contains more information about the Policy's features, benefits, and risks. You can find this document and other information about the Policy 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 [email protected].

If you are a new investor in the policy, you may cancel your policy within 10 days of receiving it without paying penalties. In some states, this cancellation period may be longer. Upon cancellation, you will receive a full refund of all premiums paid, including any policy fees or other charges, less Indebtedness. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

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.

These terms can help you understand details about your policy.

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

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

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

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

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

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

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

Eligible Accounts: The following Indexed Accounts are the Eligible Accounts:

Policy Value in the Eligible Accounts is used to determine if, upon any Segment Maturity Date, changes to Segment maturity reallocations are needed due to outstanding indexed loan Indebtedness.

Fixed Account: The portion of the Policy Value held in our general investment account, not including the Loan Collateral Account, 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.

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

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

Good Order: We cannot process your transaction request relating to the policy until we have received the request in Good Order at our Service Center. "Good Order" means the actual receipt of the requested transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in "Good Order," your instructions must be sufficiently clear so that we do not need to exercise any discretion to follow such instructions. This information

and documentation generally includes your completed request; the policy number; the transaction amount (in dollars); the names of and allocations to and/or from the Subaccounts, the Indexed Accounts and the Fixed Account affected by the requested transaction; Social Security Number or Taxpayer Identification Number; and any other information, forms or supporting documentation that we may require. For certain transactions, at our option, we may require the signature of all policy Owners for the request to be in Good Order. With respect to purchase requests, "Good Order" also generally includes receipt of sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirements at any time.

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

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

Indexed Loan Base Account: The Indexed Loan Base Account will be the S&P 500 1 Year Point-to-Point Indexed Account. Policy value is transferred/reallocated from the Fixed Account, Subaccounts and/or other Indexed Accounts to the Indexed Loan Base Account to ensure that the value in the Indexed Accounts is greater than Indebtedness when an indexed loan is in effect. As a result, this account receives any applicable transfer amounts due to the following when an indexed loan is in effect:

Policy value transfer/reallocated for this reason will first be applied to the corresponding Interim Account, moved into Segments on the next Segment Start Date and will receive indexed interest on the Segment Maturity Date as any other transfer to the Indexed Account.

Ineligible Accounts: The Subaccounts, the Fixed Account and/or Indexed Accounts that are not designated as Eligible Accounts.

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

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

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

Loan Collateral Account: The portion of the Policy Value held in our general investment account that reflects amounts transferred from the Subaccounts, the Fixed Account and/or the Indexed Accounts as collateral when a fixed loan is taken, or any interest accrued and not paid when it is due on such loan.

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

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

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

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 Insured's Insurance Age.

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

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

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

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

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

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

Policy Value: The sum of the Fixed Account Value plus the Variable Account Value plus the values of the Indexed Account(s), including the value in each Indexed Account's corresponding Interim Account, plus the value of the Loan Collateral Account.

Proceeds: The amount payable under the policy as follows:

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

RiverSource Life: In this prospectus, "we," "us," "our" and "RiverSource Life" refer to RiverSource Life Insurance Company.

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

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

Specified Amount: An amount chosen by you that we use to determine the death benefit and the Proceeds payable upon death of the Insured prior to the Insured's Attained Insurance Age 120 Policy Anniversary. If death benefit

option 1 is chosen, this is the amount of life insurance coverage you want. For death benefit option 2 and 3, this is the minimum amount of life insurance coverage. We show the initial Specified Amount you have chosen in your policy.

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

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

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

Good Order. On the other hand, if we receive your 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.

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

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

Key Information Table

Important Information You Should Consider About the Policy

	FEES AND EXPENSES	Location in Statutory Prospectus
Charges for Early Withdrawals	If you surrender your policy for its full Cash Surrender Value, or the policy Lapses, during the first ten years and for ten years after requesting an increase in the Specified Amount, you will incur a Surrender Charge. The Surrender Charges are set based on various factors such as the Insured's Insurance Age (or Attained Insurance Age at the time of a requested increase in the Specified Amount), Risk Classification, and the number of years the policy has been in force (or for the number of years from the effective date of an increase in the Specified Amount). The maximum initial Surrender Charge rate that would be charged on any policy would be $57.00 per $1,000 of Initial Specified Amount. Therefore, if a Full Surrender occurs on a policy that was issued with a $1,000,000 Initial Specified Amount, the maximum initial Surrender Charge would be $57,000 which is $ 57.00 times $1,000,000 divided by 1,000. The Surrender Charges are shown under the Policy Data page of your policy.	Fee Tables Transaction Fees Base Policy Charges
Transaction Charges	In addition to Surrender Charges, you may also incur charges on other transactions, such as a premium expense charge, partial surrender charge, express mail fee, electronic fund transfer fee, and fees imposed when exercising your rights under the Accelerated Benefit Rider for Terminal Illness and the Overloan Protection Benefit.	Fee Tables
Ongoing Fees and Expenses (annual charges)	In addition to Surrender Charges and transaction charges, an investment in the policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the policy and the cost of the following riders if they are elected as optional benefits available under the policy: Accidental Death Benefit Rider, Children's Insurance Rider, Waiver of Monthly Deduction Rider, Waiver of Premium Rider, Accounting Value Increase Rider, AdvanceSource Accelerated Benefit Rider - CI and AdvanceSource Accelerated Benefit Rider - LTC. Such fees and expenses are set based on various factors such as the Insured'sRisk Classification, Insurance Age, sex and the number of years the policy is in force. You should review the rates, fees and charges under the Policy Data page of your policy. You will also bear expenses on the Policy Value in Indexed Accounts at an annual rate of 0.60% applied monthly. If you take a loan against the policy, you will be charged a loan interest rate on any outstanding balance until the loan is paid off. You will also bear expenses associated with the Funds offered under the policy, as shown in the following table:	Fee Tables Transaction Fees Base Policy Charges
Annual Fee	Minimum	Maximum
Underlying Fund options (Funds fees and expenses)(1)	0.25	1.29
(1) As a percentage of Fund assets.
	RISKS
Risk of Loss	You can lose money by investing in this policy including loss of principal. Even though Policy Value in an Indexed Account is subject to a guaranteed minimum interest rate greater than or equal to zero, if fees and charges under the policy are deducted from the Indexed Accounts, you could lose more than the premiums and/or transfers of Policy Value you've paid or allocated into the Indexed Account(s).	Principal Risks of Investing in the Policy

Overview of the Policy

Purpose

The purpose of the policy is to provide life insurance protection on the life of the Insured and to potentially build Policy Value. The policy is a long-term investment that provides a death benefit that we pay to the Beneficiary upon the Insured's death. This policy may be appropriate for you if you have a long investment time horizon and the policy's terms and conditions are consistent with your financial goals. It is not intended for people whose liquidity needs require early or frequent withdrawals or for people who intend to frequently trade in the policy's variable investment options.

We pay death benefit Proceeds to the chosen Beneficiary when the Insured person under the policy dies. You tell us how much life insurance coverage you want. We call this the "Specified Amount" of insurance. Death benefit Proceeds may be increased by any additional death benefit you have elected, and will be decreased by any outstanding policy loans and loan interest.

Premiums

In applying for your policy, you decide how much you intend to pay and how often you will make any additional payments.

The policy also includes No-Lapse Guarantee benefits, which, subject to certain requirements being met, guarantees the policy will remain in force even if the Cash Surrender Value is insufficient to pay the monthly deduction.

You will choose a Scheduled Premium at the time of application. The Scheduled Premium serves only as an indication of your intent as to the frequency and amount of future premium payments. You may skip Scheduled Premium payments at any time if your Cash Surrender Value is sufficient to pay the monthly deduction or if you have paid sufficient premiums to keep the No-Lapse Guarantee rider in effect.

You may also make unscheduled premium payments at any time and in any amount of at least $25.

We reserve the right to limit the number and amount of unscheduled premium payments. No premium payments, scheduled or unscheduled, are allowed on or after the Insured's Attained Insurance Age 120.

Grace Period - If on a Monthly Date the Cash Surrender Value of your policy is less than the amount needed to pay the next monthly deduction and neither the No-Lapse Guarantee nor the Minimum Initial Premium Guarantee is in effect, you will have 61 days to pay the required premium amount. If you do not pay the required premium, the policy will Lapse.

Your policy will Lapse if you do not pay the premiums needed to maintain coverage. In that case, we will not pay a death benefit. See "No Lapse Guarantee" under "Keeping the Policy in Force" section below.

Allocation of Premiums

Until the Policy Date, we hold premiums, if any, in the Fixed Account and we credit interest on any Net Premiums at the current Fixed Account rate. As of the Policy Date, we will allocate the Net Premiums plus accrued interest to the accounts you have selected in your application. At that time, we will begin to assess the monthly deduction and other charges.

You may direct your Net Premiums or transfers to:

A complete list of underlying Funds available under the policy can be found in Appendix A: Funds Available Under the Policy. A complete list of the Indexed Accounts available under the policy can be found in the statutory prospectus - Appendix E: Indexed Accounts Available Under the Policy.

Policy Features

$500. Partial Surrenders will also reduce your Policy Value and death benefit and will increase your risk of Lapse. Full Surrenders may be subject to Surrender Charges and Partial Surrenders are subject to surrender processing fees. Since indexed interest is only credited on Segment Maturity Date, upon Full Surrender any Policy Value in the Segment of an Indexed Account will not receive any indexed interest. Upon a Partial Surrender, a Segment will be credited indexed interest on a Segment Maturity Date on any Policy Value that is removed from the Segment due to the Partial Surrender but only for the number of full months that Policy Value was in the Segment.

Fixed loans

You may take a fixed loan from your policy at any time. The maximum fixed loan amount you may take is equal to 90% of the Cash Surrender Value. We charge loan interest on a fixed loan at a rate not to exceed 3% in policy years 1-10 and 1.25% in policy years 11+. When you take a fixed loan, we transfer Policy Value from your investment options in an amount equal to your loan and hold that part of your Policy Value in the Loan Collateral Account as loan collateral. As a result, loan collateral backing a fixed loan does not participate in the investment performance of the Subaccounts, nor does it receive indexed interest. It does, however, receive daily interest credited at a 1% annual rate.

Indexed loans

You may take an indexed loan any time after the date shown under the Policy Data page of your Policy. The maximum indexed loan amount you may take is the lesser of 90% of the Cash Surrender Value or the total account value in the Indexed Accounts (including Interim Accounts). We charge loan interest on an indexed loan at a rate not to exceed 8% in all policy years.

When you take an indexed loan, no Policy Value is transferred to the Loan Collateral Account. As a result, loan collateral backing an indexed loan remains in the Indexed Accounts and continues to be credited any applicable indexed interest. There is no guarantee that this rate will be greater than the loan interest charged and could be zero.

Standard Death Benefits

If the Insured dies while the policy is in force, we will pay a benefit to the Beneficiary of the policy when the Insureddies. The amount payable is the death benefit amount minus any Indebtedness as of the Death Benefit Valuation Date.

Option 1 (level amount): Under the Option 1 death benefit, if death is prior to or on the Insured's Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date:

Option 2 (variable amount): Under the Option 2 death benefit, if death is prior to or on the Insured's Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date:

Option 3 (return of premium, subject to a limit): Under the Option 3 death benefit, if death is prior to or on the Insured's Attained Insurance Age 120, the death benefit amount is the greater of the following as determined on the Death Benefit Valuation Date:

Example	Option 1	Option 2	Option 3
Specified Amount	$100,000	$100,000	$100,000
Policy Value	$5,000	$5,000	$5,000
Premiums paid	$4,000	$4,000	$4,000
Death benefit	$100,000	$105,000	$104,000
Policy Value increases to	$8,000	$8,000	$8,000
Death benefit	$100,000	$108,000	$104,000
Policy Value decreases to	$3,000	$3,000	$3,000
Death benefit	$100,000	$103,000	$104,000

If you want to have premium payments reflected in the form of an increasing death benefit, subject to a limit, you should consider Option 3. If you want your death benefit to include the policy Specified Amount and Policy Value, you should consider Option 2. If you are satisfied with the Specified Amount of insurance protection and prefer to have premium payments and favorable investment performance reflected to the maximum extent in the Policy Value, you should consider Option 1. Under Option 1, the cost of insurance is lower because our Net Amount at Risk is generally lower; for this reason, the monthly deduction is less and a larger portion of your premiums and investment returns is retained in the Policy Value.

Under all death benefit options, if death is on or after the Insured's Attained Insurance Age 120Policy Anniversary, the death benefit amount will be the greater of:

Increases: If you increase the Specified Amount, we may require additional evidence of insurability that is satisfactory to us.

The effective date of the increase will be the monthly anniversary on or next following our approval of the increase. The increase may not be less than $10,000 and we will not permit an increase after the Insured's Attained Insurance Age85. We will have two years from the effective date of an increase in Specified Amount to contest the truth of statements or representations in the application for the increase in Specified Amount.

An increase in the Specified Amount will have the following effect on policy costs:

At the time of the increase in Specified Amount, the Cash Surrender Value of your policy must be sufficient to pay the monthly deduction on the next Monthly Date. The increased Surrender Charge will reduce the Cash Surrender Value. If the remaining Cash Surrender Value is not sufficient to cover the monthly deduction, we will require you to pay additional premiums within the 61-day grace period. If you do not, the policy will Lapse unless the NLG or the Minimum Initial Premium guarantee is in effect.

Decreases: After the first policy year, you may decrease the Specified Amount,(2),(3) subject to all the following limitations:

The effective date of any decrease in Specified Amount is the Monthly Date on or next following the date we receive your request.

No Surrender Charge is imposed when you request a decrease in the Specified Amount.

Each increase in Specified Amount is treated as a new policy for purposes of applying the limitations on decreases. Thus, the first policy year for an increase is measured from the effective date of the increase.

Example

This example assumes an initial Specified Amount of $100,000. In policy year 6, you increase the initial Specified Amount by $100,000. The current Specified Amount after this increase is $200,000. In policy year 10 (and 4 policy years after the effective date of the increase), you request a $125,000 decrease in the current Specified Amount. The maximum decrease permitted under these assumptions is limited to $75,000, and the Specified Amount after this decrease is $125,000, computed as follows:

Maximum reduction in initial Specified Amount in policy year 10:	$100,000 X .50 =	$50,000
Maximum reduction in increase in Specified Amount during the fourth policy year of increase:	$100,000 X .25 =	+25,000
Maximum permitted reduction in current Specified Amount:		$75,000
Current Specified Amount before reduction:		$200,000
Minus maximum permitted reduction in current Specified Amount:		-75,000
Minimum Specified Amount after reduction		$125,000

A decrease in Specified Amount will affect your costs as follows:

We will deduct decreases in the Specified Amount from the current Specified Amount in this order:

This procedure may affect the cost of insurance if we have applied different Risk Classifications to the current Specified Amount. We will eliminate the Risk Classification applicable to the most recent increase in the Specified Amount first, then the Risk Classification applicable to the next most recent increase, and so on.

If you have the AdvanceSource Rider on your policy and request a decrease in the policy Specified Amount, including decreases due to partial surrenders, you may impact the AdvanceSource Rider Specified Amount and the remaining amount to be accelerated. After a decrease in the policy Specified Amount, if the remaining amount to be accelerated divided by the new policy Specified Amount is greater than the maximum rider Specified Amount percent shown in the "Policy Data" section of the policy, then the rider Specified Amount and the remaining amount to be accelerated will be decreased. Any resulting decrease could cause a change in the maximum monthly benefit. AdvanceSource Rider has a different name in some jurisdictions. (See Appendix C.)

Other Benefits Available Under the Policy

In addition to the standard death benefit(s) associated with your policy, 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.

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

Name of Benefit	Purpose	Is the Benefit Standard or Optional	Brief Description of Restrictions / Limitations
Indexed Loan	An indexed loan provides access to the Policy Value. When an indexed loan is taken there is no transfer of Policy Value from the Subaccounts, the Fixed Account and/or Indexed Account(s) to the Loan Collateral Account. Instead, Policy Value in all the Indexed Account(s) is used as collateral for the loan and earns the applicable indexed interest rate.	Standard	The minimum amount is $500. The maximum loan amount is the lesser of: 1) 90% of the Policy Value less Surrender Charges, or 2) the sum of the value of the Indexed Account(s). • Only one loan type may be in effect at any time. • Loan repayments must be at least $25 and identified by you as loan repayments. • Loan repayments will follow the premium allocation percentages in effect at the time of the repayment. • Indexed loans are not allowed beginning with the Insured's Attained Insurance Age120Policy Anniversary and any indexed loan in effect at that time will be changed to a fixed loan. • Outstanding Indebtedness reduces the policy Cash Surrender Value. If the loan causes the Cash Surrender Value to drop to zero, the policy will Lapse. The Proceeds payable upon death of the Insured are reduced by Indebtedness. A loan may also cause the NLG or Minimum Initial Guarantee to terminate.

Additional Information About Optional Benefits

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

Accelerated Benefit Rider for Terminal Illness (ABRTI). If the Insured is terminally ill and death is expected to occur within six months (in AZ, AR, CT, DC, DE, MT, ND and SD) or within twelve months (in all other states), the rider provides that you can withdraw a portion of the death benefit prior to death.

Example:

John Doe purchases a policy with a $400,000 specified amount and the Accelerated Benefit Rider for Terminal Illness (ABR-TI). John receives a terminal illness diagnosis as defined in the policy. He elects to receive an advance of the death benefit under the ABR-TI. At that time, there are no outstanding loans on the policy and the specified amount is $400,000. He elects to receive the maximum lump sum amount available to be accelerated which is 50% x $400,000 = $200,000. A one time administrative charge equal to $500 will be paid to us using an additional accelerated benefit and increasing the total accelerated benefit. The total accelerated benefit will create a lien against the policy that will be charged interest as described in the policy. The interest charged will be paid by additional accelerated benefits and will be added to the total accelerated benefit. The policy's proceeds payable to the beneficiary at the time of John's death will be the base policy death benefit less the total accelerated death benefit.

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

Example:

John Doe purchases a base policy with a $400,000 Specified Amount and includes an Accidental Death Benefit (ADB) rider with an accidental death benefit equal to $100,000. Prior to John's Attained Insurance Age 70 Policy Anniversary, he dies within 180 days of an accidental injury and his death was a direct result of the accidental injury. The total Proceeds payable to the beneficiary will be $500,000 which is equal to the base policy Proceeds of $400,000 plus the accidental death benefit of $100,000.

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

Example:

John Doe purchases a base policy with a $400,000 specified amount and the Automatic Increase Benefit Rider (AIBR) of 5%. On the first policy anniversary, the specified amount will increase to $420,000 which is the original specified amount of $400,000 times 1.05. A similar increase will automatically occur on each policy anniversary and no evidence of insurability will be required. The maximum amount of each annual increase is $25,000 and the lifetime maximum of all annual increases combined is $750,000. Automatic increases will occur until the earlier of John's Attained Insurance Age 65 Policy Anniversary or the lifetime maximum increase is reached.

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

Example:

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

Overloan Protection Benefit (OPB). The overloan protection benefit prevents the policy from Lapsing due to any Indebtedness 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:

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

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

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

10.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 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:

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

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

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

In addition:

Example:

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

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

In addition, WP also includes a waiver for involuntary unemployment benefit where monthly deductions may be waived up to 12 months. WP for involuntary unemployment is not available in Florida or Montana.

Example:

Accounting Value Increase Rider (AVIR). If the policy is fully surrendered while the rider is in force and prior to the expiration date of the rider, 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.

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

Please note the following about AVIR:

Example:

John Doe purchases a base policy with a $400,000 Specified Amount and the Accounting Value Increase Rider (AVIR). John decides to do a Full Surrender in the sixth policy year when the Policy Value is $60,000 and the Surrender Chargeis $7,000. Due to the AVIR, instead of paying the Surrender Charge of $7,000, we will waive 65%, or $4,550, resulting in an actual Surrender Charge of $2,450. Therefore, the final Proceeds payable upon Surrender would be $57,550 which is the $60,000 Policy Value minus the actual Surrender Charge of $2,450.

AdvanceSource Accelerated Benefit Riders

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

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

Please note the following about the ASR-CI:

Example:

11.Rider Specified Amount x Monthly Benefit Percent ($150,000 x 3% = $4,500);

12.remaining amount to be accelerated; or

13.the maximum monthly benefit Limit.

When benefit payments begin, all Policy Value in Subaccounts will be transferred to the Fixed Account, future premium payments will be allocated to the Fixed Account and no transfers from the Fixed Account to the Subaccounts or the Indexed Accounts can be made during a period of coverage. Upon notice of claim, any outstanding indexed loan will be changed to a fixed loan, and no additional policy loans may be taken.

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

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

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

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

Please note the following about the ASR-LTC:

Example:

14.Rider Specified Amount x Monthly Benefit Percent ($150,000 x 3% = $4,500);

15.remaining amount to be accelerated; or

16.the maximum monthly benefit Limit.

When benefit payments begin, all Policy Value in Subaccounts will be transferred to the Fixed Account, future premium payments will be allocated to the Fixed Account and no transfers from the Fixed Account to the Subaccounts or the Indexed Accounts can be made during a period of coverage. Upon notice of claim, any outstanding indexed loan will be changed to a fixed loan and no additional policy loans may be taken.

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

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

Under the ASR-LTC the monthly benefit payment will be made to the Insured.

Key terms for the AdvanceSource Accelerated Benefit Riders:

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

Accelerated Benefit Insured: This person is the Insured of the policy to which an AdvanceSource rider(1) is attached.

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

Adult Day Care Center: A place that is licensed to provide Adult Day Care by the state. If not licensed, it must meet certain criteria listed in an AdvanceSource rider.(1)

AdvanceSource Rider Specified Amount: The maximum death benefit amount that may be accelerated under an AdvanceSource rider.(1) This amount is chosen in your application for the rider and is shown in the "policy data" section of the policy.

Assisted Living Facility: A facility that provides ongoing care and related services to inpatients in one location. In some states, if the facility is not licensed or accredited to provide such care, it must meet certain criteria listed in an AdvanceSource rider.(1)

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

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

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

Elimination Period: The number of days of Qualified Long-term Care Services that are required while an AdvanceSource(1) rider is in force before any benefit is available under this rider. The Elimination Period is shown in the "policy data" section of the policy. The dates of service need not be continuous; however, the Elimination Period must be satisfied within a period of 730 consecutive days. The Elimination Period must be satisfied only once while the rider is in force. Benefits will not be retroactively paid for the Elimination Period. The Elimination Period may vary by state. Please see your rider for further details.

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

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

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

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

Long-term Care Facility: A facility, other than the acute care unit of a Hospital, that provides skilled nursing care, intermediate care, or custodial care, and is licensed by the appropriate state licensing agency or if not licensed maintains a registered nurse or licensed practical nurse on duty at all times to supervise a 24-hour nursing service, a doctor to supervise the operation of the facility, a planned program of policies and procedures that were developed with

the advice of a professional group including at least one doctor or nurse, and a doctor available to furnish emergency medical care. Please note that some states have different requirements regarding what types of facilities may be considered long term care facilities. Please see your AdvanceSource rider(1) for further details.

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

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

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

Proof of Loss: A signed form with a written statement and additional documentation needed by us in order to pay benefits under an AdvanceSource rider(1) to the Accelerated Benefit Insured.

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

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

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

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

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

No-lapse Guarantee (NLG). The no-lapse guarantee provides that during the NLG period (the later of the Insured's Attained Insurance Age 75 Policy Anniversary or 10 years) that the policy will not lapse even if the Cash Surrender Valueis insufficient to pay the monthly deduction as long as required premiums have been paid.

Example:

John Doe purchases a policy with a $300,000 Specified Amount. At the beginning of each year, John pays premium greater than or equal to the annual NLG premium. In year 5, his Cash Surrender Value is not enough to cover his monthly deductions due to unfavorable market performance. Since the sum of all premiums paid, minus any Partial Surrenders and Partial Surrender charges, and minus any Indebtedness is at least equal to the total required No-Lapse Guarantee Premium, the NLG remains in force and the policy does not Lapse.

Fixed Loan. This feature allows you to borrow up to 90% of the Policy Value less Surrender Charges. When a fixed loan is taken or fixed loan interest is payable, an amount equal to the loan or loan interest will be transferred from the Subaccounts, Fixed Account and/or Indexed Account(s) to the Loan Collateral Account where it earns a fixed interest rate.

Example:

John Doe purchases a policy with a $400,000 Specified Amount. In year 6, the Cash Surrender Value has grown to $20,000 and he elects to take a fixed loan of $10,000. The loaned amount is then transferred from the Subaccounts, Fixed Account and/or Indexed Account(s) to the Loan Collateral Account. Loan amounts in the Loan Collateral Accountare credited with interest at 1%. John's loan balance is charged 3% until policy year 10, then 1% for the remaining years (the loan interest rate charged could be up to 1.25% in years 11+). If John were to elect to repay the loan, his beneficiaries would receive the full amount of the death benefit upon his death. If John were to elect to not repay the loan, a portion of his death benefit would be used to pay off the loan, including any accrued interest, and the remainder would go to his beneficiaries.

Indexed Loan. This feature allows you to borrow up to the lesser of 90% of the Policy Value less Surrender Charges or the sum of the value in the Indexed Account(s). This loan type keeps the Policy Value backing the loan in the Indexed Account(s) allowing for the potential to earn a higher interest rate than that in the Loan Collateral Account. To ensure there continues to be enough Policy Value in the Indexed Accounts to serve as loan collateral, there will be transfers of Policy Value or changes to Segment maturity reallocations to Indexed Loan Base Account for the following situations:

(1)

The riders have a different name in some jurisdictions. (See Appendix B.)

Example of initial Indexed Loan taken:

John Doe purchases a policy with a $400,000 Specified Amount. In year 6, the Cash Surrender Value has grown to $20,000 with $15,000 of that Policy Value in the Indexed Accounts. He elects to take an indexed loan of $10,000. There is no transfer of value from the Subaccounts, the Fixed Account and/or Indexed Account(s) to the Loan Collateral Account. Instead, Policy Value in the Indexed Account(s) is used as collateral for the loan and earns the same interest as the Indexed Account(s), while the loan balance could be charged up to 8% in all policy years. If John were to elect to repay the loan, his beneficiaries would receive the full amount of the death benefit upon his death. If John were to elect to not repay the loan, a portion of his death benefit would be used to pay off the loan, including any accrued interest, and the remainder would to go his beneficiaries.

Example of a transfer of Policy Value to the Indexed Loan Base Account on a Policy Anniversary:

On the 10th Policy Anniversary, loan interest of $1,000 becomes due on John's loan and is not paid. As a result, the loan interest is added to the current loan and increases Indebtedness from $15,000 to $16,000. The Policy Value at this point of time is $21,000 and is in the following accounts:

Account	Value
S&P 500 Index 1-year point-to-point Indexed Account	$11,000
S&P 500 Index 2-year point-to point Indexed Account	$4,500
Subaccounts	$5,500

Since the amount of Indebtedness (including the loan interest that becomes due and not paid) of $16,000 is greater than the sum of the Policy Value in the Indexed Accounts of $15,500 (value of the S&P 500 1-year point-to-point Indexed Account plus the value of the S&P 500 2-year point-to-point Indexed Account), there will be a transfer of Policy Value from the Subaccounts to the Indexed Loan Base Account which is currently the S&P 500 Index 1-year point-to-point Indexed Account.

The amount to be transferred from the Subaccounts to the Indexed Loan Base Account is the amount of outstanding Indebtedness less the sum of the value of the Indexed Accounts:

$16,000 - $15,500 = $500

The Policy Value in the accounts after the transfer are as following:

Account	Value after Transfer of Policy Value
S&P 500 Index 1-year point-to-point Indexed Account (the Indexed Loan Base Account)	$11,000 +$500 = $11,500
S&P 500 Index 2-year point-to point Indexed Account	$4,500 + $0 = $4,500
Subaccounts	$5,500 - $500 = $5,000

Example of a change in the reallocation of Segment maturity value to the Indexed Loan Base Account:

A Segment of the S&P 500 Index 2-year point-to point Indexed Account has reached its Segment Maturity Date with a Segment maturity value of $2,000. The Segment reallocation percentage is set to reallocate 100% of the Segment maturity value to the S&P 500 Index 2-year point-to point Indexed Account.

At this point in time, outstanding Indebtedness is $16,000 and the Policy Value of $21,000 is in the following accounts:

Account	Value
Eligible Account
S&P 500 Index 1-year point-to-point Indexed Account (the Indexed Loan Base Account)	$11,500
Ineligible Accounts
S&P 500 Index 2-year point-to point Indexed Account	$4,500
Subaccounts	$5,000

Since the amount of Indebtedness of $16,000 exceeds the Policy Value in the Eligible Account of $11,500, instead of reallocating 100% of the Segment maturity value to the S&P 500 Index 2-year point-to point Indexed Account as per the Segment reallocation percentage, it will be reallocated to the Indexed Loan Base Account which is the S&P 500 Index 1-year point-to-point Indexed Account.

The Policy Value in the accounts after the Segment maturity reallocation are as following:

Account	Value after Segment Maturity Reallocation
Eligible Account
S&P 500 Index 1-year point-to-point Indexed Account (the Indexed Loan Base Account)	$11,500 + $2,000 = $13,500
Ineligible Accounts
S&P 500 Index 2-year point-to point Indexed Account	$4,500 - $2,000 = $2,500
Subaccounts	$5,000 + $0 = $5,000

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

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

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

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

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

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

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

The example below illustrates how an automated transfer arrangement works.

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

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

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

Example:

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

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

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

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

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

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

Asset Rebalancing: Subject to availability, you can set up an asset rebalancing arrangement to reallocate the variable Subaccount portion of your Policy Value according to the percentages (in whole percentage amounts) that you choose. The Policy Value must be at least $2,000 at the time the arrangement is set up. Asset rebalancing does not apply to the Fixed Account or Indexed Accounts. We automatically will rebalance the variable Subaccount portion of your Policy Value quarterly, semiannually or annually. The period you select will start to run on the date you specify. On the first Valuation Date of each of these periods, we automatically will rebalance your Policy Value so that the value in each Subaccount matches your current Subaccount percentage allocations. We rebalance by transferring Policy Valuebetween 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:

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

Accounts	Asset Rebalance Subaccount Percentage Allocations	Policy Value before Asset Rebalancing	Asset Rebalancing Transactions between Subaccounts	Policy Value after Asset Rebalancing
Fixed Account		$50,000		$50,000

Accounts	Asset Rebalance Subaccount Percentage Allocations	Policy Value before Asset Rebalancing	Asset Rebalancing Transactions between Subaccounts	Policy Value after Asset Rebalancing
Indexed Account #1		$50,000		$50,000
Subaccount #1	50%	$120,000	-$20,000	$100,000
Subaccount #2	25%	$45,000	+$5,000	$50,000
Subaccount #3	25%	$35,000	+15,000	$50,000
Total Policy Value		$300,000		$300,000

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

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

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

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

Example:

Jane Doe purchases a base policy with a $500,000 Specified amount. The current policy value credit is an annual rate of 0.30% applied quarterly in policy years 11 and later. On the 12th Policy Anniversary the Policy Value is $60,000 and outstanding Indebtedness is $10,000. A Policy Value Credit of ($60,000 - $10,000) x 0.30% / 4 = $37.50 is applied to the policy and allocated to the Fixed Account, Indexed Account(s) and Subaccounts according to the premium allocations in effect.

Changes to the Policies

We reserve the right to do any of the following:

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

Buying the Policy

Premiums

Payment of premiums: An initial premium equal to the monthly premium required to keep the Minimum Initial Premium Guarantee in effect is required to be paid on or before the Policy Date and must be received by us before the policy can become effective. No insurance will take effect until this amount is paid. Additionally, in applying for your policy you decide how much you intend to pay and how often you will make future payments. During the first several policy years until the Policy Value is sufficient to cover the Surrender Charge, we require that you pay the Minimum Initial Premium in effect in order to keep the policy in force.The Scheduled Premium serves only as an indication of your intent as to the frequency and amount of future premium payments. You may skip Scheduled Premium payments at any time if your Cash Surrender Value is sufficient to pay the monthly deduction or if you have paid sufficient premiums to keep the NLG in effect.

To determine the amount of Scheduled Premium, you may consider a number of factors including, but not limited to:

You may schedule payments annually, semiannually, quarterly or monthly. (We must approve payment at any other interval.) The Scheduled Premium you have chosen is shown under Policy Data in the policy. You may also pay premiums by bank authorization on a monthly or quarterly basis under our current company practice. We reserve the right to change this practice.

The Scheduled Premium serves only as an indication of your intent as to the frequency and amount of future premium payments. You may skip Scheduled Premium payments at any time if your Cash Surrender Value is sufficient to pay the monthly deduction or if you have paid sufficient premiums to keep the NLG in effect.

You may also change the amount and frequency of Scheduled Premium payments by written request. We reserve the right to limit the amount of such changes. Any change in the premium amount is subject to applicable tax laws and regulations.

Although you have flexibility in paying premiums, the amount and frequency of your payments will affect the Policy Value, Cash Surrender Value and length of time your policy will remain in force, as well as affect whether the NLG remains in effect.

Premium limitations: You may make unscheduled premium payments at any time and in any amount of at least $25. We reserve the right to limit the number and amount of unscheduled premium payments. No premium payments, scheduled or unscheduled, are allowed on or after the Insured's Attained Insurance Age 120.

Allocation of premiums: Until the Policy Date, we hold premiums, if any, in the Fixed Accountand we credit interest on any Net Premiums at the current Fixed Account rate. As of the Policy Date, we will allocate the Net Premiums plus accrued interest to the accounts you have selected in your application. At that time, we will begin to assess the monthly deduction and other charges.

When we receive Notice of Claim for any rider paying benefits due to chronic or terminal illness, the premium allocation percentages will be set to allocate all amounts to the Fixed Account. The premium allocation percentages cannot be changed while on claim. Upon expiry of the claim, you may change the premium allocation percentages by sending a written request to our Service Center.

On the Insured's Attained Insurance Age120 anniversary, the premium allocation percentages will be set to allocate all premium and loan repayments to the Fixed Account, and may not be changed.

Additional premiums: We credit additional premiums you make to your accounts on the Valuation Date we receive them. If we receive an additional premium at our Service Center before the Close of Business, we will credit any portion of that premium allocated to the Subaccounts using the Accumulation Unit value we calculate on the Valuation Date we received the premium. If we receive an additional premium at our Service Center at or after the Close of Business, we will credit any portion of that premium allocated to the Subaccounts using the Accumulation Unit value we calculate on the next Valuation Date after we received the premium.

How Your Policy Can Lapse

Grace Period

If on a Monthly Date the Cash Surrender Value of your policy is less than the amount needed to pay the next monthly deduction and neither the NLG nor the Minimum Initial Premium Guarantee is in effect, you will have 61 days to pay the required premium amount. If you do not pay the required premium, the policy will Lapse.

Approximately 15 days after the grace period begins, we will mail a notice to your last known address, requesting a payment sufficient to cover any past due premiums, any premiums falling due during the grace period, and the next scheduled monthly deduction. If we receive this premium before the end of the 61-day grace period, we will use the payment to cover all monthly deductions and any other charges then due. We will add any remaining balance to the Policy Value and allocate it in the same manner as other premium payments. If the Insured dies during the grace period, we will deduct any overdue monthly deductions from the death benefit.

If you have an AdvanceSource rider(1) on your policy and the AdvanceSource rider terminates at the end of the grace period while the Accelerated Benefit Insured is a Chronically Ill Individual, the rider may be reinstated provided that you submit a written request within five months after the date of termination and provided that certain other conditions are met. Those conditions are listed in the rider. The reinstated rider will not provide Monthly Benefit Payments during the period of Lapse to the date of reinstatement. The effective date of the reinstated rider will be the beginning of the policy month that coincides with or next follows the date we approve the Accelerated Benefit Insured's request.

Reinstatement

Your policy may be reinstated within three years after it Lapses, unless you surrendered it for cash. To reinstate, we will require:

The effective date of a reinstated policy will be the Monthly Date on or next following the day we accept your application for reinstatement. The suicide period (see "Proceeds Payable Upon Death") will apply from the effective date of reinstatement. Surrender Charges will return to what they would have been if the policy had not Lapsed.

We will have two years from the effective date of reinstatement to contest the truth of statements or representations in the reinstatement application.

Making Withdrawals: Accessing the Money in Your Policy

You may cancel the policy, otherwise known as a Full Surrender, while it is in force and receive its Cash Surrender Valueor take a Partial Surrender out of your policy. The Cash Surrender Value is the Policy Value minus Indebtedness minus any applicable Surrender Charges. Surrender Charges affect the surrender value, which is a measure we use to determine whether your policy will enter a grace period (and possibly Lapse, which may have adverse tax consequences, see "Tax Risk"). If you surrender your policy, you receive its Cash Surrender Value and applicable Surrender Charges. (See "Loads, Fees and Charges.")

A Partial Surrender will reduce the Policy Value and the death benefit and may terminate the NLG and Minimum Initial Premium Guarantee. Additionally, for Option 1 policies, Partial Surrender will reduce the Specified Amount. Partial Surrenders are available within certain limits and will be assessed a processing fee at the time of the the Partial Surrender. After the first policy year, you may take a Partial Surrender of any amount from $500 up to 90% of the policy's Cash Surrender Value. Partial Surrenders by telephone are limited to $100,000, provided that surrender Proceeds are sent to your address of record. Unless you specify otherwise, we will make Partial Surrenders from the Fixed Account (not including the Fixed Account Value that is part of an SDCA arrangement) and Subaccounts on a Pro Rata Basis. When the Fixed Account, minus any Indebtedness and any value that is part of an SDCA arrangement, and the Subaccounts are exhausted, the Partial Surrender will be made from the Fixed Account that is part of an SDCA arrangement. When the value of the Fixed Account that is part of an SDCA arrangement has been exhausted, the Partial Surrender will be taken from the Indexed Accounts.

Surrender Charges are assessed at the time of a Full Surrender, or if the policy Lapses, during the first ten years and for ten years after an increase in the Specified Amount. Surrender Charges can significantly reduce Policy Values. Poor investment performance can also significantly reduce Policy Values. During early policy years the Cash Surrender Valuemay be less than the premiums you pay for the policy.

Example:

Jane Doe purchases a base policy with a $500,000 Specified Amount and makes premium payments of $9,000 in the first policy year and an additional $10,000 in the third policy year. At the beginning of the second policy year, the Policy Value is $8,800 and the Surrender Charge is $9,257. If she decides to do a Full Surrender, the Proceeds would be $0 which is the $8,800 Policy Value minus the $9,257 Surrender Charge. At the beginning of the eighth policy year, the Policy Value is $19,500 and the Surrender Charge is $5,235.42. If she decides to do a Full Surrender, the Proceeds would be $14,264.58 which is the $19,500 Policy Value minus the $5,235.42 Surrender Charge.

You may take a full or a Partial Surrender by written request. We may, but are not required to, accept a full or Partial Surrender request from you by phone. (See "Two Ways to Request a Transfer, Loan or Surrender" for address and telephone numbers for your requests.) We will process your surrender request on the Valuation Date we receive it. If we receive your surrender request at our Service Center in Good Order before the Close of Business, we will process your surrender using the Accumulation Unit value we calculate on the Valuation Date we received your surrender request. If we receive your surrender request at our Service Center in Good Order at or after the Close of Business, we will process your surrender using the Accumulation Unit value we calculate on the next Valuation Date after we received your surrender request. Generally, we will process your payment within seven days (for exceptions - see "Deferral of Payments" under "Payment of Policy Loans, Surrenders and Death Benefit Proceeds"). We will mail surrender payments to you by regular mail. If you request express mail delivery, we will charge a fee. You may also request that payment be wired to your bank. We will charge a fee if you request an electronic funds transfer to your bank. For instructions, please contact your sales representative.

Loans also provide access to the Policy Value without the charges and possible taxes associated with a Full or Partial Surrender. Outstanding Indebtedness reduces the policy Cash Surrender Value. If the loan causes the Cash Surrender Value to drop to zero, the policy will Lapse. The Proceeds payable upon death of the Insured are reduced by Indebtedness. A loan may also cause the NLG or Minimum Initial Guarantee to terminate. The following two loan types are available. Only one loan type can be in effect at any time.

Any transfers due to loans are not subject to the policy's minimum transfer amounts and do not count towards the maximum number of transfers per year from the Subaccounts.

The minimum indexed loan amount is $500. The maximum indexed loan amount is the lesser of:

1) 90% of the policy value less surrender charges or

2) the sum of the value of the Indexed Account(s).

If your policy Lapses or is fully surrendered with an outstanding policy loan, you may experience a significant tax cost.

Accessing the money in your policy through a loan or surrender can impact when or if indexed interest is credited on Policy Value in Segments of Indexed Accounts at the time of the loan or surrender. Any withdrawals due to Partial Surrenders or Policy Value transfers due to a loan from a Segment of an Indexed Account prior to the Segment Maturity Date will receive a proportional amount of indexed interest for the number of full months the surrender or loan transfer amount was in the Segment. Indexed interested credited to these amounts will be included in the indexed interest credit on the Segment Maturity Date and not when the Partial Surrender or loan transfer occurs. Any Policy Value in the Segment of an Indexed Account at the time of a Full Surrender will not receive any indexed interest unless the Full Surrender occurs on the Segment Maturity Date.

Additional Information About Fees

The following tables describe the fees and expenses that you will pay when buying, owning and surrendering or making withdrawals from the policy. Please refer to your Policy Data page for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the policy, surrender or make withdrawals from the policy or transfer cash value between investment options.

Transaction Fees

CHARGE	WHEN CHARGE IS DEDUCTED	AMOUNT DEDUCTED
Maximum Sales Charge Imposed on Premiums (Load)(a)	When you pay premium.	4%of each premium payment.
Premium Taxes	When you pay premium as part of the premium expense charge.	A portion of the premium expense charge is used to pay state premium taxes imposed on us by state and governmental subdivisions. See discussion under "Premium Expense Charge."
Maximum Deferred Sales Charge (Load)(b)	When you surrender your policy for its full Cash Surrender Value, or the policy Lapses, during the first ten years and for ten years after requesting an increase in the Specified Amount. These rates grade down over 10 years to zero.	Initial Rate per $1,000 of initial Specified Amount:
Minimum: $11.13 - Female, Standard Nontobacco, Insurance Age 0.
Maximum: $57.00 - Male, Standard Tobacco, Insurance Age 63.
Representative Insured: $18.67 - Female, Super Preferred Nontobacco, Insurance Age 40.
Other Surrender Fees(c)	When you surrender part of the value of your policy.	The lesser of:
•$25; or
•2% of the amount surrendered.
Transfer Fees	N/A	N/A
Fees for Express Mail and Electronic Fund Transfers of Loan or Surrender Proceeds	When you take a loan or surrender and Proceeds are sent by express mail or electronic fund transfer.	•$30 - United States.
•$35 - International.
Interest Rate on Loans(d)	Charged daily and due at the end of the policy year.	Fixed Loans •3% for policy years 1-10;1% for policy years 11+.
Indexed Loans •Maximum of 8% for all policy years.

Transaction Fees (continued)

CHARGE	WHEN CHARGE IS DEDUCTED	AMOUNT DEDUCTED
Interest Rate on Payments under Accelerated Benefit Rider for Terminal Illness (ABRTI)	Annually, payable at the end of each policy year.	•For that part of the accelerated benefit which does not exceed Policy Value available for a fixed loan when an accelerated benefit is requested, we will charge the policy's Guaranteed Fixed Loan Interest Rate shown under Policy Data which is currently 3% for policy years 1-10 and 1.25% for policy years 11+.
•For that part of the accelerated benefit which exceeds Policy Value available for a fixed loan when the accelerated benefit is requested, the greatest of:
		•the current yield on 90-day Treasury bills, or
		•the current maximum statutory adjustable policy loan interest rate, or
		•the policy's Guaranteed Fixed Loan Interest Rate shown under Policy Data which is currently 3% for policy years 1-10 and 1.25% for policy years 11+.
Overloan Protection Benefit (OPB)	Upon exercise of the benefit.	3% of the Policy Value

The next table describes the fees and expenses that you will pay periodically during the time that you own the policy, not including Fund fees and expenses.

Periodic Charges Other than Annual Fund Expenses

CHARGE	WHEN CHARGE IS DEDUCTED	AMOUNT DEDUCTED
Base Policy Charge (also referred to as policy fee)	Monthly.	$10.00 per month for initial Specified Amounts below $1,000,000; and
$0 per month for initial Specified Amounts of $1,000,000 and above.
Cost of Insurance Charge(a)	Monthly.	Monthly rate per $1,000 of Net Amount at Risk:
Minimum: $0.005 - Female, Standard Nontobacco, Insurance Age 0, Duration5.
Maximum: $57.6325 - Male, Standard Tobacco, Insurance Age 85, Duration28.
Representative Insured: $0.0125 -- Female, $500,000 Specified Amount, Super Preferred Nontobacco, Insurance Age 40, Duration1.
Administrative Charge(a)	Monthly.	Monthly Rate per $1,000 of initial Specified Amount:
Minimum: $0.088 - Female, Standard Nontobacco, Insurance Age 4, Durations 1-10.
Maximum: $2.605 - Male, Standard Tobacco, Insurance Age 85, Durations 1-10.
Representative Insured: $0.138 Female, Super Preferred Nontobacco, Insurance Age 40, Durations 1-10.
Indexed Account Charge(b)	Monthly.	Annual rate of 0.60% applied monthly.
Mortality and Expense Risk Charge	Monthly.	Annual rate of 0.00% applied monthly to the Variable Account Value.
Optional Benefit Charges:
Accidental Death Benefit Rider (ADB)(a)	Monthly.	Monthly rate per $1,000 of initial ADB Specified Amount:
Minimum: $0.04 - Female, Standard Nontobacco, Attained Insurance Age5.
Maximum: $0.16 - Male, Standard Tobacco, Attained Insurance Age69.
Representative Insured: $0.04 - Female, Super Preferred Nontobacco, Attained Insurance Age40.
Automatic Increase Benefit Rider (AIBR)	No charge.	No charge for this rider, however, the additional insurance added by the rider is subject to monthly cost of insurance charges.
Children's Insurance Rider (CIR)	Monthly.	Monthly rate per $1,000 of CIR Specified Amount: $0.58.

Periodic Charges Other than Annual Fund Expenses (continued)

CHARGE	WHEN CHARGE IS DEDUCTED	AMOUNT DEDUCTED
Waiver of Monthly Deduction Rider (WMD)(a)	Monthly.	Monthly rate per $1,000 of Net Amount at Risk:
Minimum: $0.00692 - Female, Nontobacco, Attained Insurance Age20.
Maximum: $0.34212 - Male, Standard Tobacco, Attained Insurance Age59.
Representative Insured: $0.0266 - Female, Super Preferred Nontobacco, Attained Insurance Age40.
Waiver of Premium Rider (WP)(a)(b)	Monthly.	Monthly rate multiplied by the greater of the monthly-specified premium selected for the rider or the monthly deduction for the policy and any other riders attached to the policy.
Minimum: $0.03206 - Male, Nontobacco, Attained Insurance Age20.
Maximum: $0.40219 - Female, Standard Tobacco, Attained Insurance Age59.
Representative Insured: $0.07486 - Female, Super Preferred Nontobacco, Attained Insurance Age40.
AdvanceSource® Accelerated Benefit Rider for Long-Term Care (ASR-LTC)(a)(b)(c)	Monthly.	Monthly rate per $1,000 of the rider Net Amount at Risk:
Minimum: $0.0025, Male, Super Preferred Nontobacco, Insurance Age 20, Duration 1, 2% Monthly Benefit Percent.
Maximum: $19.2425, Female, Standard Tobacco, Insurance Age 20, Duration 100, 4% Monthly Benefit Percent.
Representative Insured: $0.0025, Female, Super Preferred Nontobacco, Insurance Age 40, Duration 1, 2% Monthly Benefit Percent.
AdvanceSource® Accelerated Benefit Rider for Chronic Illness (ASR-CI)(a)(b)(d)	Monthly.	Monthly rate per $1,000 of the rider Net Amount at Risk:
Minimum: $0.0025 - Male, Super Preferred Nontobacco, Insurance Age 20, Duration 1, 1% Monthly Benefit Percent.
Maximum: $33.8875 - Female, Standard Tobacco, Insurance Age 20, Duration 100, 3% Monthly Benefit Percent.
Representative Insured: $0.0025, Female, Super Preferred Nontobacco, Insurance Age 40, Duration 1, 2% Monthly Benefit Percent.

Periodic Charges Other than Annual Fund Expenses (continued)

CHARGE	WHEN CHARGE IS DEDUCTED	AMOUNT DEDUCTED
Accounting Value Increase Rider (AVIR)(a)	Monthly.	Monthly rate per $1,000 of initial Specified Amount:
Minimum: $0.0325 - Male, Nontobacco, Insurance Age 85.
Maximum: $0.0629 - Female, Tobacco, Insurance Ages 35-55.
Representative Insured: $0.0538 - Female, Nontobacco, Insurance Age 40.
Accelerated Benefit Rider for Terminal Illness Charge (ABRTI)	Upon payment of Accelerated Benefit.	In AL, if the Accelerated Benefit payment is $25,000 or greater, the fee will be $250. For Accelerated Benefit payments less than $25,000, the fee will be 1% of the Accelerated Benefit payment. In FL, the fee is $100 per Accelerated Benefit payment. For all other states, the fee will be $250. The maximum aggregate charge for all Accelerated Benefits advanced is $500.

Total Annual Operating Expenses of the Funds

The next table provides the minimum and maximum total operating expenses charged by the underlying Funds(1) that you may pay periodically during the time that you own the policy. A complete list of Funds available under the policy, including their annual expenses, may be found in Appendix A: Funds Available Under the Policy.

Total Annual Fund Expenses	Minimum(%)	Maximum(%)
(expenses deducted from the Fund assets, including management fees and other expenses)	0.25	1.29

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 [email protected].

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

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2023)
1 Year	5 Year	10 Year
Seeks long-term growth of capital	AB VPS Large Cap Growth Portfolio (Class A) AllianceBernstein L.P.	0.66%1	35.13%	17.86%	14.89%
Seeks long-term capital appreciation.	Allspring VT Small Cap Growth Fund - Class 1 Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, sub-adviser.	0.92%	4.35%	7.95%	6.86%
The Portfolio seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index, the Alerian Midstream Energy Select Index (the "Index").	ALPS | Alerian Energy Infrastructure Portfolio: Class I ALPS Advisors, Inc.	0.95%1	14.25%	11.05%	3.08%
Seeks high total investment return.	BlackRock Global Allocation V.I. Fund (Class I) BlackRock Advisors, LLC, adviser; BlackRock (Singapore) Limited and BlackRock International Limited, sub-advisers.	0.76%1	12.83%	7.65%	4.88%
Seeks to achieve a competitive total return through an actively managed portfolio of stocks, bonds and money market instruments which offer income and capital growth opportunity.	Calvert VP SRI Balanced Portfolio - Class I Calvert Research and Management	0.65%	16.82%	10.27%	7.46%
Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Variable Portfolio - Balanced Fund (Class 1) Columbia Management Investment Advisers, LLC	0.76%	21.40%	10.98%	8.09%
Seeks to provide shareholders with total return.	Columbia Variable Portfolio - Commodity Strategy Fund (Class 1) Columbia Management Investment Advisers, LLC	0.76%1	(6.82%)	9.39%	(0.68%)

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2023)
1 Year	5 Year	10 Year
Seeks to provide shareholders with long-term capital growth.	Variable Portfolio - Partners International Value Fund (Class 1) Columbia Management Investment Advisers, LLC, adviser; Pzena Investment Management, LLC and Thompson, Siegel & Walmsley LLC, subadvisers.	0.85%	17.14%	4.83%	2.00%
Seeks to provide shareholders with long-term capital growth.	Variable Portfolio - Partners Small Cap Growth Fund (Class 1) Columbia Management Investment Advisers, LLC, adviser; Scout Investments, Inc. and Allspring Global Investments, LLC, subadvisers.	0.85%1	7.20%	6.77%	4.73%
Seeks to provide shareholders with long-term capital appreciation.	Variable Portfolio - Partners Small Cap Value Fund (Class 1) Columbia Management Investment Advisers, LLC, adviser; Segall Bryant & Hamill, LLC and William Blair Investment Management, LLC, subadvisers.	0.81%1	11.38%	8.48%	4.96%
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Variable Portfolio - U.S. Flexible Growth Fund (Class 1)2,3 Columbia Management Investment Advisers, LLC	0.69%	17.14%	6.95%	-
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 1)2,3 Columbia Management Investment Advisers, LLC	0.69%	14.29%	5.62%	-
Seeks to maximize total return.	Western Asset Variable Global High Yield Bond Portfolio - Class I Legg Mason Partners Fund Adviser, LLC; Western Asset Management Company, LLC, Western Asset Management Company Limited & Western Asset Management Pte. Ltd., sub-advisors.	0.83%	10.26%	3.42%	2.89%

Edgar Contract Identifer: C000206154

RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota. Affiliated with Ameriprise Financial Services, LLC.

© 2008-2024 RiverSource Life Insurance Company. All rights reserved.

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

ISP9117_12_C01_(05/24)