Updating Summary Prospectus - Form 497VPU

RiverSource®

Variable Universal Life Insurance

INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY

New policies are not currently being offered.

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

Updating Summary Prospectus

May 1, 2024

The Prospectus for the RiverSource Variable Universal Life Insurance (VUL) (the Contract) is available and contains more information about the Contract, including its features, benefits and risks. You can find the current prospectus and other information about the Contract online at riversource.com/lifeinsurance. You can also obtain this information at no cost by calling 1-800-862-7919 or by sending an email request to [email protected].

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

These terms can help you understand details about your policy.

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

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

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

Cash Surrender Value: Proceeds received if you surrender the policy in full or the policy matures. The Cash Surrender Value equals the Policy Value minus any 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 Guarantee (DBG): A feature of the policy guaranteeing that the policy will not Lapse before the Insured's Attained Insurance Age 70 or five policy years, if later. The guarantee is in effect if you meet certain premium payment requirements.

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

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

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

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

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

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

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

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

Insurance Age: The age of 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.

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.

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

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

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

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

Proceeds: The amount payable under the policy as follows:

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.

Specified Amount: An amount chosen by you we use to determine the death benefit and the Proceeds payable upon death of the Insured prior to the Insured's Attained Insurance Age 100 Policy Anniversary. If death benefit option 1 is chosen, this is the amount of life insurance coverage you want. For death benefit option 2, 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.

Updated Information About Your Policy

UNDERLYING FUNDS

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 $48.01 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 $48,010 which is $48.01 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 and electronic fund transfer fee. 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.	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 Accidental Death Benefit Rider, Automatic Increase Benefit Rider, Children's Insurance Rider and Waiver of Monthly Deduction Rider. Such fees and expenses are set based on various factors such as the Insured's Risk 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 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)	0.38%	2.38%
(1) As a percentage of fund assets.
	RISKS
Risk of Loss	You can lose money by investing in this policy including loss of principal.	Principal Risks
Not a Short-Term Investment	The policy is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. The policy is a long-term investment that is primarily intended to provide a death benefit that we pay to the Beneficiary upon the Insured's death. Your policy has little or no Cash Surrender Value in the early policy years. During early policy years the Cash Surrender Value may be less than the premiums you pay for the policy. Your ability to take partial surrenders is limited. You cannot take partial surrenders during the first policy year.	Principal Risks

Other Benefits Available Under the Contract

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

Name of Benefit	Purpose	Is the Benefit Standard or Optional	Brief Description of Restrictions / Limitations
Accelerated Benefit Rider for Terminal Illness (ABRTI)	The ABRTI allows the Owner to withdraw part of the death benefit if the Insured becomes terminally ill.	Optional	•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. • The accelerated benefit creates a lien against the policy's death benefit. 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. • When benefits are accelerated, RiverSource Life reserves the right to charge an administrative charge as described in the policy. • Premium payments and monthly deductions will continue on the base policy after the acceleration of benefits, unless there is a WMD rider attached to the policy. • If there is a WMD rider, monthly deductions will stop.
Accidental Death Benefit (ADB)	The Accidental Death Benefit 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	•The death must occur within 180 days of the injury to be considered for the accidental death benefit.
Automatic Increase Benefit Rider (AIBR)	The Automatic Increase Benefit Rider (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 the policy Owner at the time of application.	Optional	•The percentage cannot be changed once the policy has been issued. • The AIBR cannot be added to policies rated substandard.

Name of Benefit	Purpose	Is the Benefit Standard or Optional	Brief Description of Restrictions / Limitations
Asset Rebalancing	The asset rebalancing feature automatically transfers Policy Value between Subaccounts at set intervals (i.e. monthly, quarterly, etc.) to correspond to your chosen allocation percentages among Subaccounts.	Standard	•The Policy Value reallocated must be at least $2,000 at the time the asset rebalancing is set up. •  Asset rebalancing does not apply to Policy Value in the Fixed Account. •  Asset rebalancing must occur quarterly, semiannually or annually. •  You must allow 30 days for us to change any asset rebalancing instructions that currently are in place.
Children's Insurance Rider (CIR)	The Children's Insurance Rider (CIR) provides level term coverage on each eligible child.	Optional	•The CIR automatically insures children born to the Insured after the date of application once they become 15 days old, and children legally adopted by the insured, or step-children acquired by the Insured, after the date of application provided they are at least 15 days old and have not passed their 19th birthday. • Only children who are members of the Insured's household (actually living with the Insured) at the time of application may be listed on the application and covered under CIR. • The insurance expires on the earlier of the child's 22nd birthday or the primary insured's age 65 Policy Anniversary.
Waiver of Monthly Deduction (WMD)	Under WMD, we will waive the monthly deduction if the Insured becomes totally disabled for a period of 180 consecutive days and meets certain requirements before Age 60.	Optional	•If total disability begins on or after Attained Insurance Age 60 but before Attained Insurance Age65Policy Anniversary, the monthly deduction will be waived only for a limited period of time; and
Other Insured Rider (OIR)	The OIR insures the life of one or more people, other than the Insured under the policy.	Optional	•OIR is available to the insured's spouse and/or dependent children for other Insureds Issue Ages of 0-75. • The minimum OIR Specified Amount is $25,000 and the maximum is $249,999. • The OIR Specified Amount cannot exceed the policy Specified Amount by more than $50,000. • The OIR does not develop Policy Value.

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 $200,000 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 $200,000. He elects to receive the maximum lump sum amount available to be accelerated which is 50% x $200,000 = $100,000. A one time administrative charge equal to $250 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 $200,000 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 $300,000 which is equal to the base policy Proceeds of $200,000 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'sAttained Insurance Age 65 or the occurrence of certain other events, as described in the rider.

Example:

John Doe purchases a base policy with a $200,000 Specified Amount and the Automatic Increase Benefit Rider (AIBR) of 5%. On the first policy anniversary, the Specified Amount will increase to $210,000 which is the original Specified Amount of $200,000 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.

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.

Example:

John Doe purchases a base policy and the Waiver of Monthly Deduction rider. AtAttained Insurance Age55, 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 theDeath Benefit Guaranteepremium for that month will be zero. Since the disability began prior to John'sAttained Insurance Age60Policy Anniversary, we will waive monthly deductions until either John is no longer considered totally disabled or John's Attained Insurance Age100 Policy Anniversary.

Other Insured Rider (OIR): The OIR insures the life of one or more people other than the Insured under policy.

Example:

John Doe purchases a base policy with a $300,000 Specified Amount and an OIR with a $100,000 face amount. John is the Insured covered under the base policy and Jane Doe, John's wife, is the Insured covered under the OIR. If Jane's death occurs prior to John's death while both the base policy and OIR are in force, the beneficiary of the OIR will receive the $100,000 face amount of the OIR.

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

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

Automated Transfers: You can arrange to have Policy Value transferred from one account to another automatically. Only one automated transfer arrangement can be in effect at any time. You can transfer all or part of the value of a Subaccount to one or more of the other Subaccounts and/or to the Fixed Account. You can transfer all or part of the Fixed Account Value, minus Indebtedness, to one or more of the Subaccounts. Only one account can be used as the source of funds for any automated transfer arrangement. If the Fixed Account is the source of funds for the arrangement, you cannot set up an automated transfer amount that would deplete the Fixed Account in less than 12 months.

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

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

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

Example:

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

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

Example:

John 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 Subaccountsaccording 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
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		$250,000		$250,000

Death Benefit Guarantee. For additional information about these standard benefits, please see the corresponding headings under "Keeping the Policy in Force."

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

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

Example:

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

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.

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 to maximize total return consistent with AllianceBernstein's determination of reasonable risk.	AB VPS Dynamic Asset Allocation Portfolio (Class B)1 AllianceBernstein L.P.	1.10%2	13.48%	4.03%	3.22%
Seeks long-term growth of capital.	AB VPS International Value Portfolio (Class B) AllianceBernstein L.P.	1.15%	14.83%	5.55%	1.83%
Seeks long-term growth of capital.	AB VPS Large Cap Growth Portfolio (Class B) AllianceBernstein L.P.	0.91%2	34.78%	17.56%	14.60%
Seeks long-term growth of capital.	AB VPS Relative Value Portfolio (Class B) AllianceBernstein L.P.	0.86%2	11.72%	11.57%	9.05%
Seeks long-term capital appreciation.	Allspring VT Opportunity Fund - Class 2 Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, sub-adviser.	1.00%2	26.50%	14.74%	10.32%
Seeks long-term capital appreciation.	Allspring VT Small Cap Growth Fund - Class 2 Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, sub-adviser.	1.17%	4.11%	7.68%	6.60%
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 III ALPS Advisors, Inc.	1.30%2	13.91%	10.67%	2.70%
Seeks high total investment return.	BlackRock Global Allocation V.I. Fund (Class III) BlackRock Advisors, LLC, adviser; BlackRock (Singapore) Limited and BlackRock International Limited, sub-advisers.	1.02%2	12.49%	7.39%	4.63%

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 a high level of total return that is consistent with a moderately conservative level of risk.	Variable Portfolio - Moderately Conservative Portfolio (Class 4)3 Columbia Management Investment Advisers, LLC	0.94%	10.48%	4.31%	3.53%
Seeks to provide shareholders with long-term capital growth.	Variable Portfolio - Partners Core Equity Fund (Class 3) Columbia Management Investment Advisers, LLC, adviser; J.P. Morgan Investment Management Inc. and T. Rowe Price Associates, Inc., subadvisers.	0.82%	24.55%	14.45%	10.33%
Seeks to provide shareholders with long-term capital appreciation.	Variable Portfolio - Partners Small Cap Value Fund (Class 3) Columbia Management Investment Advisers, LLC, adviser; Segall Bryant & Hamill, LLC and William Blair Investment Management, LLC, subadvisers.	0.94%2	11.26%	8.34%	4.83%
Seeks long-term capital appreciation.	Wanger Acorn Columbia Wanger Asset Management, LLC	0.95%2	21.74%	7.51%	7.20%
Seeks long-term capital appreciation.	Wanger International Columbia Wanger Asset Management, LLC	1.14%2	16.95%	6.45%	3.50%

Edgar Contract Identifer: C00009715

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

USP9090_12_C01_(05/24)