Registration Statement No. 333-263041

As filed with the Securities and Exchange Commission on April 25, 2022

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

FORM S-3

REGISTRATION STATEMENT

UNDER

THE SECURITIES ACT OF 1933

PRE-EFFECTIVE AMENDMENT NO. 1

 

 

RIVERSOURCE LIFE INSURANCE COMPANY

(Exact name of registrant as specified in charter)

 

 

 

Minnesota 41-0823832

(State or other jurisdiction of

incorporation or organization)

 

(I.R.S. Employer

Identification No.)

70100 Ameriprise Financial Center

Minneapolis, MN 55474

(800) 862-7919

(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)

 

 

Nicole D. Wood

RiverSource Life Insurance Company

50605 Ameriprise Financial Center

Minneapolis, Minnesota 55474

(612) 678-5337

(Name, address, including zip code, and telephone number, including area code, of agent for service)

 

 

Approximate date of commencement of proposed sale to the public:public: as soon as practicable after the effective date of the Registration Statement.

If the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box.  ☐

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box.  ☒

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.  ☐

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.  ☐

If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box.  ☐

If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box.  ☐


Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b2 of the Exchange Act.

 

Large accelerated filer

 

  

Accelerated filer

 

Non-accelerated filer

 

 (Do not check if a smaller reporting company)
  

Smaller reporting company

 

 

 

The registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine.

 

 

 


PART I.

INFORMATION REQUIRED IN PROSPECTUS


Prospectus
May 1, 2022
RiverSource®
Guaranteed Term Annuity
Group and Individual Market Value Annuity Contracts
Issued by:RiverSource Life Insurance Company (RiverSource Life)
70100 Ameriprise Financial Center
Minneapolis, MN 55474
Telephone: 1-800-862-7919
(Service Center)
ameriprise.com/variableannuities
RiverSource Account MGA
RiverSource Life Insurance Company (RiverSource Life) issues this annuity and offers it in two ways:
A Group Market Value Annuity Contract, and
Individual Market Value Annuity Contracts.
New Group Market Value Annuity Contracts and Individual Market Value Annuity Contracts are not currently being offered. Existing contracts are available for renewal.
If you choose not to hold these securities until the end of a guarantee period, they may be subject to a substantial surrender charge or market value adjustment. As a result, you could get less than your purchase payment back.
Interest rates for renewal guarantee periods may be higher or lower than the previous guaranteed interest rate. The minimum guaranteed renewal interest rate is 3%. RiverSource Life guarantees this rate.
A discussion of risk factors associated with the contract begins on page __ of the prospectus.
The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense.
An investment in this contract is not a deposit of a bank or financial institution and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. An investment in this contract involves investment risk including the possible loss of principal.
The principal underwriter of the Contract is RiverSource Distributors, Inc. The offering of the contract is intended to be continuous.
RiverSource Life has not authorized any person to give any information or to make any representations regarding the contract other than those contained in this prospectus. Do not rely on any such information or representations.

RiverSource Guaranteed Term Annuity — Prospectus    1

THE INFORMATION IN THE PROSPECTUS IS NOT COMPLETE AND MAY BE CHANGED. WE MAY NOT SELL THESE SECURITIES UNTIL THE REGISTRATION STATEMENT FILED WITH THE SECURITIES AND EXCHANGE COMMISSION IS EFFECTIVE. THIS PROSPECTUS IS NOT AN OFFER TO SELL THESE SECURITIES AND IT IS NOT SOLICITING AN OFFER TO BUY THESE SECURITIES IN ANY STATE WHERE THE OFFER OR SALE IS NOT PERMITTED.

Table of Contents

3

4

5

7

7

7

7

7

8

10

12

13

13

14

14

15

16

16

16

17

17

18

18

19

21

22

22

22

22

23

23

23

23

23

24

26

2    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
The Guaranteed Term Annuity in Brief
This summary is incomplete. Do not rely on it as a description of your contract. For more complete information, you must read the entire prospectus. You can find more information about a topic in the summary by turning to the discussion beginning at the page listed after that topic in the summary.
Contracts: We no longer offer new contracts. However, you have the option to renew existing contracts.
Most annuities have a tax-deferred feature. So do many retirement plans under the Code including 403(b) plans. As a result, when you use a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what is provided in that retirement plan. Some employers may permit you to deposit your contributions into other investments such as mutual funds. If such investments are available to you, before enrolling under the contract, you should consider features other than tax deferral that may help you reach your retirement goals. In addition, the Code subjects retirement plans to required withdrawals triggered at a certain age. These mandatory withdrawals are called required minimum distributions (“RMDs”). RMDs may reduce the value of certain death benefits and optional riders (see “Taxes — Qualified Annuities — Required Minimum Distributions”). You should consult your tax advisor before you purchase the contract as a qualified annuity for an explanation of the tax implications to you.
These market value annuity contracts have a guaranteed interest rate that we credit to the purchase payment when it is held to the end of the guarantee period (the renewal date). Surrenders before the renewal date are subject to a market value adjustment and, if it applies, a surrender charge. Therefore you should consider your liquidity needs before you select a guarantee period.
Guarantee periods: When you make a payment under an application, you select a guarantee period from among those that we offer when we receive your application and payment. During this guarantee period, the purchase payment earns interest at the interest rate that we have guaranteed for your contract. We credit interest daily. Credited interest earns interest at the applicable guaranteed interest rate we establish. (See “Description of Contracts — Guarantee Periods”)
Renewal guarantee periods: At the end of each guarantee period, a renewal guarantee period of one year will begin, unless you choose a different period. You must choose the length of a renewal guarantee period during the 30 days before the end of the previous guarantee period. Beginning on the first day of each renewal guarantee period, the renewal value will earn interest at the renewal interest rate that we have guaranteed for your contract and the interest credited will earn interest at that interest rate. (See “Renewal Guarantee Periods”)
Surrenders: With some restrictions, we permit partial or total surrenders. We may delay payment of any surrender for up to six months from the date we receive notice of surrender or the period permitted by state law, if less. A delay of payment will not be for more than seven days except under extraordinary circumstances. If we choose to exercise this right, then during this delay, we will pay annual interest of at least 3% of any amounts delayed for more than thirty days. (See “Surrenders”)
Surrender charge: If you surrender before the eighth contract anniversary, a surrender charge beginning at a maximum of 8% of the market adjusted value surrendered will be subtracted from your account. No surrender charge applies if you surrender on the last day of a guarantee period. We will waive the surrender charge in certain instances. A surrender charge also applies to payments under certain annuity payment plans (see “Description of Contracts — Surrender Charge” and “The Annuity Payment Period — Annuity Payment Plans”)
Market value adjustment: The market value adjustment is the increase or decrease in the value of any early surrender you make from your contract. A market value adjustment applies when the surrender occurs before the renewal date. No market value adjustment applies to any surrender at the end of a guarantee period. The amount of the actual adjustment is determined by a formula that is based on the difference between the guaranteed interest rate on your annuity and a current interest rate determined by RiverSource Life. That current interest rate will be the rate that RiverSource Life pays on a new Guaranteed Term Annuity that has a guaranteed period equal to the time remaining on the term of your annuity. The formula also includes a 0.25% charge that will reduce the value of your surrender regardless of the current interest rate then in effect. The amount you receive on surrender could be less than your original purchase payment if interest rates increase. If interest rates decrease, the amount you receive on surrender may be more than your original purchase payment and accrued interest. The market adjusted value also affects settlements under an annuity payment plan. (See “Market Value Adjustment”)
Premium taxes: We may deduct premium taxes that may be imposed on us by state or local governments from the accumulation value of your contract. State premium taxes range from 0 to 3.5% of your gross purchase payments. (See “Premium Taxes”)
Death benefit prior to settlement: The contract provides for a guaranteed death benefit. If the annuitant or owner dies before the settlement date, we will pay to the owner or beneficiary the death benefit in place of any other payment under the contract. The amount of the death benefit will equal the accumulation value. (See “Death Benefit Prior to Settlement”)

RiverSource Guaranteed Term Annuity — Prospectus    3

Table of Contents
The annuity payment period: Beginning at a specified time in the future, we will pay the owner a lump sum payment or start to pay a series of payments. You may choose a series of payments under some annuity plans. (See “The Annuity Payment Period”)
Limitations on use of contracts: If mandated by applicable law, including but not limited to, federal anti-money laundering laws, we may be required to reject a purchase payment. We may also be required to block an owner’s access to contract values to satisfy other statutory obligations. Under these circumstances we may refuse to process transactions under the contract until instructions are received from the appropriate governmental authority or a court of competent jurisdiction.
Risk Factors
This section discusses risks associated with the Guarantee Period Account (“GPA”) interests offered under the contract (if available).
Interest Rate Risk. Each GPA pays an interest rate declared by us when you make an allocation to that account and is fixed for the guarantee period you choose. We will periodically change the declared interest rate for future allocations to these accounts at our discretion based, in part, on various factors related to future investment earnings. We cannot predict nor can we guarantee future rates.
Liquidity Risk. We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule). At all other times, and unless an exception to the 30-day rule applies, we will apply a Market Value Adjustment (“MVA”) if you surrender or transfer contract value from a GPA or you elect an annuity payout plan while you have contract value invested in a GPA. We refer to these transactions as “early surrenders.” Because an early surrender may result in a loss of principal due to the MVA, the GPAs provide limited liquidity.
Market Value Adjustment Risk. We will apply an MVA to “early surrenders” from a GPA as described above and in “The Guarantee Period Accounts (GPAs)”. The MVA may be negative, positive or result in no change depending on how the guaranteed interest rate on your GPA compares to the new interest rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. You bear the risk of loss of principal due to a negative MVA.
Investment Risk. We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule); otherwise, unless an exception applies, an “early surrender” may result in the loss of principal due to a negative MVA.
Financial Strength. All guarantees under the GPAs are subject to the creditworthiness and continued claims-paying ability of RiverSource Life.
Cybersecurity Risk. Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners.
This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following:
the corruption or destruction of data;
theft, misuse or dissemination of data to the public, including your information we hold; and
denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them.
These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct transactions on your contract, or your ability to receive timely service from us. There can be no assurance that we, the underlying funds in your contract, or our other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information security breaches.

4    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
Key Terms
These terms can help you understand details about your contract.
Accumulation value: The value of the purchase payment plus interest credited, adjusted for any surrenders and surrender charges.
Annuitant: The person on whose life monthly annuity payments depend.
Annuity: A contract purchased from an insurance company that offers tax-deferred growth of the purchase payment until earnings are withdrawn.
Beneficiary: The person you designate to receive benefits in case of the owner's or annuitant's death while the contract is in force.
Cash surrender value: The market adjusted value less any applicable surrender charge. On the last day of a guarantee period, the cash surrender value is the accumulation value.
Code: The Internal Revenue Code of 1986, as amended.
Contract: A deferred annuity contract, or a certificate showing your interest under a group annuity contract, that permits you to accumulate money for retirement or a similar long-term goal by making a purchase payment. A contract provides for a lifetime or other forms of payments beginning at a specified time in the future.
Contract anniversary: The same day and month as the contract date each year that the contract remains in force.
Contract date: The effective date of the contract as designated in the contract.
Current interest rate: The applicable interest rate contained in a schedule of rates established by us at our discretion from time to time for various guarantee periods.
Initial guarantee period: The period during which the initial guarantee rate will be credited.
Initial guarantee rate: The rate of interest credited to the purchase payment during the initial guarantee period.
Market adjusted value: The accumulation value increased or decreased by the market adjusted value formula, on any date before the end of the guarantee period.
Market value adjustment: The market adjusted value minus the accumulation value.
Owner (you, your): The person or persons identified in the contract as owners(s) of the contract, who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. During the owner’s life, the owner is responsible for taxes, regardless of whether he or she receives the contract’s benefits. The owner or any joint owner may be a non-natural person (e.g. irrevocable trust or
corporation) or a revocable trust. If any owner is a non-natural person or revocable trust, the annuitant will be deemed to be the owner for contract provisions that are based on the age or life of the owner. When the contract is owned by a revocable trust or irrevocable grantor trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code. Any contract provisions that are based on the age of the owner will be based on the age of the oldest owner. Any ownership change, including continuation of the contract by your spouse under the spousal continuation provision of the contract, redefines “owner”, “you” and “your”.
Purchase payment: Payment made to RiverSource Life for a contract.
Qualified annuity: A contract that you purchase to fund one of the following tax-deferred retirement plans that is subject to applicable federal law and any rules of the plan itself:
Individual Retirement Annuities (IRAs) under Section 408(b) of the Code
Roth IRAs under Section 408A of the Code
Simplified Employee Pension IRA (SEP) plans under Section 408(k) of the Code
Plans under Section 401(k) of the Code
Custodial and investment only plans under Section 401(a) of the Code
Tax-Sheltered Annuities (TSAs) under Section 403(b) of the Code
A qualified annuity will not provide any necessary or additional tax deferral if it is used to fund a retirement plan that is already tax deferred.
All other contracts are considered nonqualified annuities.
Renewal date: The first day of a renewal guarantee period. It will always be on a contract anniversary.
Renewal guarantee period: A renewal guarantee period will begin at the end of each guarantee period.
Renewal guarantee rate: The rate of interest credited to the renewal value during the renewal guarantee period as set at our discretion.
Renewal value: The accumulation value at the end of the current guarantee period.
RiverSource Life: In this prospectus, “we,” “us” and “RiverSource Life” refer to RiverSource Life Insurance Company and “you” and “yours” refer to an owner who has been issued a contract.
Service Center: Our department that processes all transaction and service requests for the contracts. 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

RiverSource Guaranteed Term Annuity — Prospectus    5

Table of Contents
delayed or not processed. Our service center address and telephone number are listed on the first page of the prospectus.
Settlement: The application of contract value to provide annuity payments. If the settlement date is not the last day of a guarantee period, we apply the market adjusted value of the contract. On the last day of a guarantee period, we apply the accumulation value of the contract.
Settlement date: The date on which annuity payments are to begin.
Written request: A request in writing signed by you and delivered to us at our home office.

6    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
Description of Contracts
General
This prospectus describes interests in qualified and nonqualified group and individual market value annuity contracts offered by RiverSource Life to the general public.
As described in this prospectus, the contracts have an interest rate guaranteed by RiverSource Life that we credit to a purchase payment in the contract when the purchase payment stays in the contract to its renewal date. We credit (compound) interest daily to achieve a stated annual effective rate, based on a 365-day year. We do not pay interest on leap days (Feb. 29). Surrenders prior to the renewal date are subject to a market value adjustment, a surrender charge (if applicable), income taxes, and a 10% IRS tax penalty if withdrawn prior to age 59½.
Application and Purchase Payment
We no longer offer new contracts. However, you have the option to renew existing contracts. For individuals age 90 and younger, the maximum purchase payment is $1,000,000 without prior approval. This limit applies in total to all RiverSource Life annuities you own. Once we apply a purchase payment to a contract, we do not permit any additional purchase payment under the contract.
We will return an improperly completed application, along with the corresponding purchase payment, five business days after we receive it.
A payment is credited to a contract on the date we receive a properly completed application at our Service Center along with the purchase payment. Interest is earned the next day. RiverSource Life then issues a contract and confirms the purchase payment in writing.
Householding and delivery of certain documents
With your prior consent, RiverSource Life and its affiliates may use and combine information concerning accounts owned by members of the same household and provide a single paper or electronic copy of certain documents to that household. This householding of documents may include prospectuses, supplements, annual reports, semiannual reports and proxies. Your authorization remains in effect unless we are notified otherwise. If you wish to continue receiving multiple copies of these documents, you can opt out of householding by calling us at 1.866.273.7429. Multiple mailings will resume within 30 days after we receive your opt out request.
Right to Cancel
State or federal law may give you the right to cancel the contract within a specific period of time after receipt of the contract and receive a refund of the entire purchase payment. For revocation to be effective, mailing or delivery of notice of cancellation must be made in writing to our Service Center.
Guarantee Periods
You select the duration of the guarantee period from among those durations we offer when we receive your application and payment. The duration selected will determine the guaranteed interest rate and the purchase payment (less surrenders made and less applicable premium taxes, if any) will earn interest at this guaranteed interest rate during the entire guarantee period. Interest is credited to your annuity daily. All interest rates we quote are effective annual interest rates. This refers to the rate that results after interest has compounded daily for a full year. In other words, the interest you earn each day earns interest itself the next day, assuming you do not withdraw it. (At the end of a year, assuming you have made no withdrawals, your interest earnings will equal your guaranteed rate multiplied by your contract value at the beginning of the year.)
The example below shows how we will credit interest during the guarantee period. For the purpose of this example, we have made the assumptions as indicated.
Example of Guaranteed Rate of Accumulation
Beginning account value:$50,000
Guaranteed period:10 years
Guaranteed rate:4% annual effective rate
YearInterest credited to the
account during year
Cumulative interest
credited to the account
Accumulation
value
1$2,000.00$ 2,000.00$52,000.00
22,080.004,080.0054,080.00
32,163.206,243.2056,243.20
42,249.738,492.9358,492.93

RiverSource Guaranteed Term Annuity — Prospectus    7

Table of Contents
YearInterest credited to the
account during year
Cumulative interest
credited to the account
Accumulation
value
52,339.7210,832.6560,832.65
62,433.3113,265.9563,265.95
72,530.6415,796.5965,796.59
82,631.8618,428.4568,428.45
92,737.1421,165.5971,165.59
102,846.6224,012.2174,012.21
Guaranteed accumulation value at the end of 10 years is:
$50,000 + $24,012.21 = $74,012.21
Note: This example assumes no surrenders of any amount during the entire ten-year period. A market value adjustment applies and a surrender charge may apply to any interim surrender (see “Surrenders”). The hypothetical interest rates are only illustrations. They do not predict future interest rates to be declared under the contract. Actual interest rates declared for any given time may be more or less than those shown.
Renewal guarantee periods: At the end of any guarantee period, a renewal guarantee period will begin. We will notify you in writing about the renewal guarantee periods available before the renewal date. This written notification will not specify the interest rate for the renewal value. You may elect in writing, during the 30-day period before the end of the guarantee period, a renewal guarantee period of a different duration from among those we offer at that time. If you do not make an election, we will automatically apply the renewal value to a guarantee period of one year. In no event may renewal guarantee periods extend beyond the settlement date then in effect for the contract. For example, if the annuitant is age 82 at the end of a guarantee period and the settlement date for the annuitant is age 85, a three-year guarantee period is the maximum guarantee period that you may choose under the contract. The renewal value will then earn interest at a guaranteed interest rate that we have declared for this duration. We may declare new schedules of guaranteed interest rates as often as daily.
At the beginning of any renewal guarantee period, the renewal value will be the accumulation value at the end of the guarantee period just ending. We guarantee the renewal value with our general assets. This amount will earn interest for the renewal guarantee period at the then applicable guaranteed interest rate for the period selected. This rate may be higher or lower than the previous guaranteed interest rate.
At your written request, we will notify you of the renewal guarantee rates for the periods then available. You also may call us to ask about renewal guarantee rates.
Establishment of guaranteed interest rates: We will know the guaranteed interest rate for a chosen guarantee period at the time we receive a purchase payment or you renew an accumulation value. We will send a confirmation that will show the amount and the applicable guaranteed interest rate. The minimum guaranteed interest rate for renewal values is 3% per year. The rate on renewal values will be equal to or greater than the rate credited on new comparable purchase payments at that time.
The interest rates that RiverSource Life will declare as guaranteed rates in the future are determined by us at our discretion. We will determine the rates based on various factors including, but not limited to the interest rate environment, returns earned on investments backing these annuities (see “Investments by RiverSource Life”), product design, competition, and RiverSource Life’s revenues and expenses. We cannot predict nor can we guarantee future guaranteed interest rates above the 3% rate.
Surrenders
General: Subject to certain tax law and retirement plan restrictions noted below, you may make total and partial surrenders under a contract at any time.
For all surrenders, we will reduce the accumulation value by the amount surrendered on the surrender date and that amount will be payable to the owner. We will also reduce the accumulation value by any applicable surrender charge. We will either reduce or increase the accumulation value by any market value adjustment applicable to the surrender. RiverSource Life will, on request, inform you of the amount payable in a total or partial surrender.
Any total or partial surrender may be subject to tax and tax penalties. Surrenders from certain tax qualified annuities also may be subject to 20% income tax withholding. (See “Taxes”.)
Tax-Sheltered Annuities: The contract is not intended for use in connection with an employer sponsored 403(b) plan that is subject to the Employee Retirement Income Security Act of 1974, as amended (ERISA). In the event that the employer either by affirmative election or inadvertent action causes contributions under a plan that is subject to ERISA

8    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
to be made to this contract, we will not be responsible for any obligations and requirements under ERISA and the regulations thereunder. You should consult with your employer to determine whether your 403(b) plan is subject to ERISA.
The employer must comply with certain nondiscrimination requirements for certain types of contributions under a TSA contract to be excluded from taxable income. You should consult your employer to determine whether the nondiscrimination rules apply to you.
The Code imposes certain restrictions on your right to receive early distributions from a TSA:
Distributions attributable to salary reduction contributions (plus earnings) made after Dec. 31, 1988, or to transfers or rollovers from other contracts, may be made from the TSA only if:
you are at least age 59½;
you are disabled as defined in the Code;
you severed employment with the employer who purchased the contract;
the distribution is because of your death;
the distribution is due to plan termination; or
you are a military reservist.
If you encounter a financial hardship (as provided by the Code), you may be eligible to receive a distribution of all contract values attributable to salary reduction contributions made after Dec. 31, 1988, but not the earnings on them.
Even though a distribution may be permitted under the above rules, it may be subject to IRS taxes and penalties (see “Taxes”).
The above restrictions on distributions do not affect the availability of the amount credited to the contract as of Dec. 31, 1988. The restrictions also do not apply to transfers or exchanges of contract value within the contract, or to another registered variable annuity contract or investment vehicle available through the employer.
Partial surrenders: Unless we agree otherwise, the minimum amount you may surrender is $250. You cannot make a partial surrender if it would reduce the accumulation value of your annuity to less than $2,000.
You may request the net check amount you wish to receive. We will determine how much accumulation value needs to be surrendered to yield the net check amount after any applicable market value adjustments and surrender charge deductions.
You may make a partial surrender request not exceeding $100,000 by telephone. We have the authority to honor any telephone partial surrender request believed to be authentic and will use reasonable procedures to confirm that they are. This includes asking identifying questions and tape recording calls. As long as reasonable procedures are followed, neither RiverSource Life nor its affiliates will be liable for any loss resulting from fraudulent requests. At times when the volume of telephone requests is unusually high, we will take special measures to ensure that your call is answered as promptly as possible. We will not allow a telephone surrender request within 30 days of a phoned-in address change.
Fixed Payouts: Surrender charge under annuity payout plans allowing surrenders of the present value of remaining guaranteed payouts: If you elect an annuity payout plan and the plan we make available provides a liquidity feature permitting you to surrender any portion of the underlying value of remaining guaranteed payouts, a surrender charge may apply.
A surrender charge will be assessed against the present value of any remaining guaranteed payouts surrendered. The discount rate we use in determining present values varies based on: (1) the contract value originally applied to the fixed annuitization; (2) the remaining years of guaranteed payouts; (3) the annual effective interest rate and periodic payment amount for new immediate annuities of the same duration as the remaining years of guaranteed payouts; and (4) the interest spread (currently 1.50%). If we do not currently offer immediate annuities, we will use rates and values applicable to new annuitizations to determine the discount rate.
Once the discount rate is applied and we have determined the present value of the remaining guaranteed payouts you are surrendering, the present value determined will be multiplied by the surrender charge percentage in the table below and deducted from the present value to determine the net present value you will receive.
Number of Completed Years Since AnnuitizationSurrender charge percentage
0Not applicable*
15%
24
33
42

RiverSource Guaranteed Term Annuity — Prospectus    9

Table of Contents
Number of Completed Years Since AnnuitizationSurrender charge percentage
51
6 and thereafter0
*We do not permit surrenders in the first year after annuitization.
We will provide a quoted present value (which includes the deduction of any surrender charge). You must then formally elect, in a form acceptable to us, to receive this value. The remaining guaranteed payouts following surrender will be reduced, possibly to zero.
Total surrenders: We will compute the value of your contract at the next close of business after we receive your request for a complete surrender. We may ask you to return the contract.
Payment on surrender: We may defer payment of any partial or total surrender for a period not exceeding six months from the date we receive your notice of surrender or the period permitted by state insurance law, if less. Only under extraordinary circumstances will we defer a surrender payment more than seven days, and if we defer payment for more than 30 days, we will pay annual interest of at least 3% on the amount deferred. While all circumstances under which we could defer payment upon surrender may not be foreseeable at this time, such circumstances could include, for example, our inability to liquidate assets due to a general financial crisis. If we intend to withhold payment more than 30 days, we will notify you in writing.
NOTE: We will charge you a fee if you request express mail delivery or that payment be wired to your bank. For instructions, please contact your sales representative.
Any partial surrenders you take under your contract will reduce your accumulation value. As a result, the value of your death benefit will also be reduced. In addition, surrenders you are required to take to satisfy RMDs under the Code may reduce the value of your death benefit (see “Taxes — Qualified Annuities — Required minimum distributions”).
Surrender Charge
We may assess a surrender charge on any total or partial surrender taken prior to the eighth contract anniversary unless the surrender occurs on the last day of a guarantee period. We will base the amount of the surrender charge on the length of the guarantee period. The table below shows the maximum amount of the surrender charge.
Surrender charge percentage:
 Contract years as measured from the beginning of a guarantee period
Guarantee period12345678
1 year1%       
2 years21%      
3 years321%     
4 years4321%    
5 years54321%   
6 years654321%  
7 years7654321% 
8 years87654321%
9 years87654321
10 years87654321
To determine the surrender charge on the initial guarantee period, in the “Guarantee period” column find the number of years for the guarantee period you have chosen. The row that period is in reflects the schedule of surrender charges during that period. For example, a 5-year guarantee period has a 5% surrender charge in the first contract year, a 4% charge in the second, a 3% charge in the third, a 2% charge in the fourth, and a 1% charge in the fifth.
For renewal guarantee periods, we will base the surrender charge on the lesser of:
the length of the new guarantee period; or
the number of years remaining until the eighth contract anniversary.

10    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
In our example, if a contract owner chose an initial guarantee period of five years and later a renewal guarantee period of four years, the surrender charge schedule for that renewal guarantee period would be three years long. That is because there are only three years remaining until the eighth contract anniversary (8 – 5 = 3), and three years is less than the four-year length of the new guarantee period. The surrender charge percentages would be:
Contract yearSurrender charge
15%
24
33
42
51*
63
72
81
9+0
*0% on last day of fifth contract year.
There will never be any surrender charges after the eighth contract anniversary.
Also, after the first contract anniversary, surrender charges will not apply to surrenders of amounts totaling up to 10% of the accumulation value as of the last contract anniversary.
Surrender charge calculation: If there is a surrender charge, we calculate it as:
(A – B) × P
where: A=market adjusted value surrendered
B=the lesser of A or 10% of accumulation value on last contract anniversary not already taken as a partial surrender this contract year. (Before the first contract anniversary, B does not apply.)
P=applicable surrender charge percentage
For an illustration of a partial surrender and applicable surrender charges, see Appendix A.
Surrender charge under Annuity Payment Plan E: Under this payment plan, you can choose to take a full surrender at any time after one year of payments. The amount you can surrender is the present value of any remaining payments. The discount rate we use in calculating the present value is based on the annual effective interest rate for then-current payment amounts for immediate annuities with the same purchase amount and remaining term length plus 1.5%. The surrender charge equals the net present value of the remaining payments (determined after we apply the discount rate) multiplied by a surrender charge percentage. This percentage is 5% in payment year two decreasing by 1% per year until it is 0% in payment year seven and thereafter. This feature is not available in all states. Please contact your sales representative for availability.
Waiver of surrender charge: We will assess no surrender charge:
on the last day of a guarantee period;
after the eighth contract anniversary;
after the first contract anniversary for surrenders of amounts totaling up to 10% of the contract accumulation value as of the last contract anniversary;
to the extent that they exceed the 10% of the contract value on the prior contract anniversary (available after the first anniversary), required minimum distributions from a qualified annuity. The amount on which surrender charges are waived can be no greater than the RMD amount calculated under your specific contract currently in force;
upon the death of the annuitant or owner; or
upon the application of the market adjusted value to provide annuity payments under an annuity payment plan, unless an Annuity Payment Plan E is later surrendered. (If the application occurs on a renewal date, there will be no surrender charge or market value adjustment, and the full accumulation value will be applied under an annuity payment plan.)
In some cases, such as when an employer makes this annuity available to employees, we may expect to incur lower sales and administrative expenses or perform fewer services due to the size of the group, the average contribution and the use of group enrollment procedures. Then we may be able to reduce or eliminate surrender charges. However, we expect this to occur infrequently.

RiverSource Guaranteed Term Annuity — Prospectus    11

Table of Contents
Market Value Adjustment
We guarantee the accumulation value, including the interest credited, if the contract is held until the end of the guarantee period. However, we will apply a market value adjustment if a surrender occurs prior to the end of the guarantee period. The market adjusted value also affects settlements under an annuity payment plan occurring at any time other than the last day of a guarantee period.
The market adjusted value is your accumulation value (purchase payment plus interest credited minus surrenders and surrender charges) adjusted by a formula. The market adjusted value reflects the relationship between the guaranteed interest rate on your contract and the interest rate we are crediting on new or renewal Guaranteed Term Annuity contracts with guarantee periods that are the same as the time remaining in your guarantee period.
The market adjusted value is sensitive to changes in current interest rates. The difference between your accumulation value and market adjusted value on any day will depend on our current schedule of guaranteed interest rates on that day, the time remaining in your guarantee period and your guaranteed interest rate.
Upon surrender your market adjusted value may be greater than your contract’s accumulation value, equal to it or less than it depending on how the guaranteed interest rate on your contract compares to the interest rate of a new Guaranteed Term Annuity for the same number of years as the guarantee period remaining on your contract.
Before we look at the market adjusted value formula, it may help to look in a general way at how comparing your contract’s guaranteed rate and the rate for a new contract affects your market adjusted value.
Relationship between your contract’s guaranteed rate and new contract for the same number of years as the guaranteed period remaining on your contract:
If your annuity rate is:Your market adjusted value will be:
less than the new annuity rate +.25%less than your accumulation value
equal to the new annuity rate +.25%equal to your accumulation value
greater than the new annuity rate +.25%greater than your accumulation value
General Examples
Assume:
You purchase a contract and choose a guarantee period of 10 years.
We guarantee an interest rate of 4.5% annually for your 10-year guarantee period.
After three years you decide to surrender your contract. In other words, you decide to surrender your contract when you have seven years left in your guarantee period.
Remember that your market adjusted value depends partly on the interest rate of a new Guaranteed Term Annuity for the same number of years as the guarantee period remaining on your contract. In this case, that is seven years.
Example 1: Remember that your contract is earning 4.5%. Assume that new contracts that we offer with a seven-year guarantee period are earning 5.0%. We add 0.25% to the 5.0% rate to get 5.25%. Your contract’s 4.5% rate is less than the 5.25% rate and, as reflected in the table above, your market adjusted value will be less than your accumulation value.
Example 2: Remember again that your contract is earning 4.5%, and assume that new contracts that we offer with a seven-year guarantee period are earning 4.0%. We add 0.25% to the 4.0% rate we are paying on new contracts, which equals 4.25%, and compare that number to the 4.5% you are earning on your contract. In this example, your contract’s 4.5% rate is greater than the 4.25% rate, and, as reflected in the table above, your market adjusted value will be greater than your accumulation value. To determine that adjustment precisely, you will have to use the formula described below.
As shown in the table headed “Surrender charge percentage,” when your guarantee period is 10 years and you have begun your fourth contract year from the beginning of the guarantee period, your surrender charge percentage is 5%. In either of our two examples, a 5% surrender charge would be deducted from the market adjusted value.
The precise market adjusted value formula is as follows:
Market Adjusted Value =(Renewal Value)
(1 + iMvi) (N + t)
Renewal value=The accumulation value at the end of the current guarantee period
iMvi=The current interest rate offered for a new Guaranteed Term Annuity +.0025
N=The number of complete contract years to the end of the current guarantee period
t=The fraction of the contract year remaining to the end of the contract year (for example, if 180 days remain in a 365-day contract year, it would be .493)

12    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
The current interest rate we offer on the Guaranteed Term Annuity will change periodically at our discretion. It is the rate we are then paying on purchase payments and renewals paid under this class of contracts for guarantee period durations equaling the remaining guarantee period of the contract to which the formula is being applied. If the remaining guarantee period is a number of complete years, we will use the specific complete year guarantee rate. If the remaining guarantee period is less than one year, we will use the one year guarantee rate. If the remaining guarantee period is a number of complete years plus fractional years, we will determine the rate by straight line interpolation between the two years’ rates. For example, if the remaining guarantee period duration is 8.5 years, and the current guaranteed interest rate for eight years is 4% and nine years is 5%, RiverSource Life will use a guaranteed interest rate of 4.5%.
Market value adjustment formula:
Market value adjustment = Market adjusted value less accumulation value
For an illustration showing an upward and downward adjustment, see Appendix B.
Premium Taxes
Certain state and local governments impose premium taxes on us (up to 3.5%). These taxes depend upon your state of residence or the state in which the contract was issued. Currently, we deduct any applicable premium tax when annuity payments begin, but we reserve the right to deduct this tax at other times such as when you make purchase payments or when you make a full surrender from your contract.
Death Benefit Prior to Settlement
If you or the annuitant die before the settlement date, the death benefit payable to the beneficiary will equal the accumulation value. We will determine the accumulation value as of the date our death claim requirements are fulfilled. We pay interest, if any, at a rate no less than required by law. If requested, we will mail payment to the named beneficiary within seven days after our death claim requirements are fulfilled. If there is no named beneficiary, then the default provisions of your contract will apply.
Nonqualified annuities
If your spouse is sole beneficiary and you die before the settlement date, your spouse may keep the contract as owner with the contract value equal to the death benefit that would otherwise have been paid. To do this your spouse must, within 60 days after our death claim requirements are fulfilled, give us written instructions to continue the contract as owner.
If your beneficiary is not your spouse, we will pay the beneficiary in a lump sum unless you give us other written instructions. Generally, we must fully distribute the death benefit within five years of your death. However, the beneficiary may receive payments under any annuity payment plan available under this contract if:
the beneficiary elects in writing, and payouts begin no later than one year after your death, or other date permitted by the IRS; and
the payment period does not extend beyond the beneficiary’s life or life expectancy.
Qualified annuities
Spouse beneficiary: If you have not elected an annuity payment plan, and if your spouse is the sole beneficiary, your spouse may either elect to treat the contract as his or her own with the contract value equal to the death benefit that would otherwise have been paid or elect an annuity payment plan or another plan agreed to by us. If your spouse elects a payment plan, the payments must begin no later than the year in which you would have reached age 72. If you attained age 72 at the time of death, payments must begin no later than Dec. 31 of the year following the year of your death.
Non-spouse beneficiary: If you have not elected an annuity payout plan, and if death occurs on or after Jan. 1, 2020, the beneficiary is required to withdraw his or her entire inherited interest within 10 years of the date of death of the owner unless they qualify as an “eligible designated beneficiary.” Eligible designated beneficiaries may continue to take proceeds out over their life expectancy. Eligible designated beneficiaries include:
the surviving spouse;
a lawful child of the owner under the age of majority (remaining amount must be withdrawn within 10 years, once the child reaches the age of majority);
disabled within the meaning of Code section 72(m)(7);
chronically ill within the meaning of Code section 7702B(c)(2);
any other person who is not more than 10 years younger than the owner.
However, non-natural beneficiaries, such as estates and charities, are subject to a five-year rule to distribute the IRA.

RiverSource Guaranteed Term Annuity — Prospectus    13

Table of Contents
If your beneficiary does not elect a five year payout or if your death occurs after attaining age 72, we will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under any payout plan available under this contract if:
the beneficiary elects in writing, and payouts begin, no later than one year following the year of your death; and
the payout period does not extend beyond the beneficiary’s life or life expectancy.
In the event of your beneficiary’s death, their beneficiary can elect to take a lump sum payment or annuitize the contract to deplete it within 10 years of your beneficiary’s death.
Annuity payment plan: If you elect an annuity payment plan, the payments to your beneficiary will continue pursuant to the annuity payment plan you elect.
Death benefit payment in a lump sum: We may pay all or part of the death benefit to your beneficiary in a lump sum under either a nonqualified or qualified annuity. We pay all proceeds by check (unless the beneficiary has chosen to have death benefit proceeds directly deposited into another Ameriprise Financial, Inc. account).
How we handle contracts under unclaimed property laws
Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity of one to five years from either 1) the contract’s maturity date (the latest day on which income payments may begin under the contract) or 2) the date the death benefit is due and payable. If we determine that the death benefit has become payable, we will use our best efforts to locate all designated beneficiaries. If we are unable to locate a beneficiary, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the beneficiary or you last resided, as shown in our books and records, or to our state of domicile. Generally, this surrender of property to the state is commonly referred to as “escheatment”. To avoid escheatment, and ensure an effective process for your beneficiaries, it is important that your personal address and beneficiary designations are up to date, including complete names, date of birth, current addresses and phone numbers, and taxpayer identification numbers for each beneficiary. Updates to your beneficiary designations should be sent to our Service Center.
Escheatment may also be required by law if a known beneficiary fails to demand or present an instrument or document to claim the death benefit in a timely manner, creating a presumption of abandonment. If your beneficiary steps forward (with the proper documentation) to claim escheated annuity proceeds, the state is obligated to pay any such proceeds it is holding.
For nonqualified annuities, non-spousal death benefits are generally required to be distributed and taxed within five years from the date of death of the owner/annuitant or the unclaimed death benefits will be presumed abandoned and subject to escheatment.
The Annuity Payment Period
The Settlement Date
Annuity payouts are scheduled to begin on the settlement date. This means that the contract will be annuitized (converted to a stream of monthly payments) and the first payment will be sent on the settlement date. If your contract is annuitized, the contract goes into payout mode and only the annuity payout provisions continue. You will no longer have access to your contract value. In addition, the death benefit and any optional benefits you have elected will end. When we processed your application, we established the settlement date as the maximum age (or contract anniversary, if applicable). We have established a new maximum age (or contract anniversary) as described below. You also can change the settlement date, provided you send us written instructions at least 30 days before annuitization payments begin.
Generally, the settlement date must be no later than the later of the annuitant’s 95th birthday or the tenth contract anniversary. If the annuitant was age 95 or older and past the tenth contract anniversary when the new maximum was established, the new settlement date was set to a birthday later than age 95. You can also choose to delay the annuitization of your contract beyond age 95 indefinitely, to the extent allowed by applicable tax laws.
Six months prior to your settlement date, we will contact you with your options, including the option to postpone your annuitization start date to a future date. If you do not make an election, annuity payouts, using the contract’s default option of Plan B-Life annuity with 10 years certain, will begin on the settlement date, and monthly annuity payments will continue for as long as the annuitant lives. If the annuitant does not survive 10 years, payments will continue until 10 years of payments have been made.
Generally, iIf you own a qualified annuity (for example, an IRA) and tax laws require that you take distributions from your annuity prior to your settlement date, your contract will not be automatically annuitized (subject to state requirements). However, if you choose, you can elect to request annuititzation or take partial surrenders to meet your required minimum distributions.

14    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
Annuity Payment Plans
There are different ways to receive annuity payments. We call these plans. You may select one of these plans, or another payment arrangement to which we agree, by giving us written notice at least 30 days before the settlement date.
You may ask us to apply the market adjusted value (less applicable premium taxes, if any) on the settlement date under any of the annuity plans described below, but in the absence of an election, we will apply the market adjusted value on the settlement date under Plan B to provide a life annuity with 120 monthly payments certain. Additionally, we currently allow you to use part of the amount available to purchase payouts, leaving any remaining contract value to accumulate on a tax-deferred basis. Special rules apply for partial annuitization of your annuity contract, see “Taxes — Nonqualified Annuities — Annuity Payments” and “Taxes — Qualified Annuities — Annuity Payments.”
If the amount to be applied to an annuity plan is not at least $2,000 or if payments are to be made to other than a natural person, we have the right to make a lump sum payment of the cash surrender value. If a lump sum payment is from a qualified annuity (except an IRA, Roth IRA or SEP), 20% income tax withholding may apply.
Plan A: This provides monthly annuity payments for the lifetime of the annuitant. We will not make payments after the annuitant dies.
Plan B: This provides monthly annuity payments for the lifetime of the annuitant with a guarantee by us that payments will be made for a period of at least five, ten or 15 years. You must select the period.
Plan C: This provides monthly annuity payments for the lifetime of the annuitant with a guarantee by us that payments will be made for a certain number of months. We determine the number of months by dividing the market adjusted value applied under this plan by the amount of the monthly annuity payment.
Plan D: We call this a joint and survivor life annuity. Monthly payments will be paid while both the annuitant and a joint annuitant are living. When either the annuitant or joint annuitant dies, we will continue to make monthly payments until the death of the surviving annuitant. We will not make payments after the death of the second annuitant.
Plan E: This provides monthly fixed dollar annuity payments for a period of years that you elect. The period of years may be no less than 10 nor more than 30. At any time after one year of payments, you can elect to have us determine the present value of any remaining payments and pay it to you in a lump sum. The discount rate we use in the calculation is based on the annual effective interest rate for then-current payment amounts for immediate annuities with the same purchase amount and remaining term length plus 1.5% (see “Description of Contracts — Surrender Charge — Surrender charge under Annuity Payment Plan E”). A 10% IRS penalty tax could apply to the taxable portion if you make surrender (see “Taxes”). This feature is not available in all states. Please contact your sales representative for availability.
For Plan A, if the annuitant dies before the initial payment, no payments will be made. For Plan B, if the annuitant dies before the initial payment, the payments will continue for the guaranteed payout period. For Plan C, if the annuitant dies before the initial payment, the payments will continue for the installment refund period. For Plan D, if both annuitants die before the initial payment, no payments will be made; however, if one annuitant dies before the initial payment, the payments will continue until the death of the surviving annuitant.
Other annuity payment plan options may be available.
The contract provides for annuity payment plans on a fixed basis only. The amount of the annuity payment will depend on:
the market adjusted value (less any applicable premium tax not previously deducted) on the settlement date;
the annuity table we are then using for annuity settlements (never less than the table guaranteed in the contract);
the annuitant’s age; and
the annuity payment plan selected.
The tables for Plans A, B, C and D are based on the “1983 Individual Annuitant Mortality Table A” and an assumed rate of 4% per year. The table for Plan E is based on an interest rate of 4%. RiverSource Life may, at our discretion, if mortality appears more favorable and interest rates justify, apply other tables that will result in higher monthly payments.
In addition to the annuity payout plans described above, we may offer additional payout plans. These plans may include cash refund features providing a guarantee of receiving at least a return of the settlement amount (less any annuity payments made and premium tax paid) in the event of the annuitant’s death, and liquidity features allowing access under certain circumstances to a surrender of the underlying value of remaining payouts. Terms and conditions of annuity payout plans will be disclosed at the time of election, including any associated fees or charges. It is important to remember that the election and use of liquidity features may either reduce the amount of future payouts you would otherwise receive or result in payouts ceasing.

RiverSource Guaranteed Term Annuity — Prospectus    15

Table of Contents
Utilizing a liquidity feature to surrender the underlying value of remaining payouts may result in the assessment of a surrender charge.
Annuity payment plan requirements for qualified annuities: If you elect an annuity payment plan from your qualified annuity, it must comply with certain IRS regulations governing RMDs. In general, your annuity payment plan will meet these regulations if it meets the incidental distribution benefit requirements, if any, and the payments are made:
in equal or substantially equal payments over a period not longer than the life expectancy of the annuitant or over the life expectancy of the annuitant and designated beneficiary; or
over a period certain not longer than the life expectancy of the annuitant or over the life expectancy of the annuitant and designated beneficiary.
Amendment, Distribution and Assignment of Contracts
Amendment of Contracts
We reserve the right to amend the contracts to meet the requirements of applicable federal or state laws or regulations. We will notify you in writing of any such amendments.
Distribution of Contracts
RiverSource Distributors, Inc. (“RiverSource Distributors”), our affiliate, serves as the principal underwriter and general distributor of the contract. Its offices are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.
RiverSource Distributors is not required to sell any specific number or dollar amount of securities, but will use its best efforts to sell the securities offered.
Sales of the Contract
New contracts are not currently being offered.
Only securities broker-dealers (“selling firms”) registered with the SEC and members of the FINRA may sell the contract.
The contracts are continuously offered to the public through authorized selling firms. We and RiverSource Distributors have a sales agreement with the selling firm. The sales agreement authorizes the selling firm to offer the contracts to the public. RiverSource Distributors pays the selling firm (or an affiliated insurance agency) for contracts its investment professional sell. The selling firm may be required to return sales commissions under certain circumstances including but not limited to when contracts are returned under the free look period.
Payments We May Make to Selling Firms
We may use compensation plans which vary by selling firm. For example, some of these plans pay selling firms a commission of up to 6.00% each time a purchase payment is made. We may also pay ongoing trail commissions of up to 1.25% of the contract value. We do not pay or withhold payment of trail commissions based on which investment options you select.
We may pay selling firms an additional sales commission of up to 1.00% of purchase payments for a period of time we select. For example, we may offer to pay an additional sales commission to get selling firms to market a new or enhanced contract or to increase sales during the period.
In addition to commissions, we may, in order to promote sales of the contracts, and as permitted by applicable laws and regulation, pay or provide selling firms with other promotional incentives in cash, credit or other compensation. We generally (but may not) offer these promotional incentives to all selling firms. The terms of such arrangements differ between selling firms. These promotional incentives may include but are not limited to:
sponsorship of marketing, educational, due diligence and compliance meetings and conferences we or the selling firm may conduct for investment professionals, including subsidy of travel, meal, lodging, entertainment and other expenses related to these meetings;
marketing support related to sales of the contract including for example, the creation of marketing materials, advertising and newsletters;
providing service to contract owners; and
funding other events sponsored by a selling firm that may encourage the selling firm’s sales representatives to sell the contract.
These promotional incentives or reimbursements may be calculated as a percentage of the selling firm’s aggregate, net or anticipated sales and/or total assets attributable to sales of the contract, and/or may be a fixed dollar amount. As noted below this additional compensation may cause the selling firm and its sales representatives to favor the contracts.

16    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
Sources of Payments to Selling Firms
When we pay the commissions and other compensation described above from our assets. Our assets may include:
revenues we receive from fees and expenses that you will pay when buying, owning and making a surrender from the contract (see “Expense Summary”);
compensation we or an affiliate receive from the underlying funds in the form of distribution and services fees (see “The Variable Account and the Funds — The Funds”);
compensation we or an affiliate receive from a fund’s investment adviser, subadviser, distributor or an affiliate of any of these (see “The Variable Account and the Funds — The Funds”); and
revenues we receive from other contracts we sell that are not securities and other businesses we conduct.
You do not directly pay the commissions and other compensation described above as the result of a specific charge or deduction under the contract. However, you may pay part or all of the commissions and other compensation described above indirectly through fees and expenses we collect from contract owners, including surrender charges.
Potential Conflicts of Interest
Compensation payment arrangements made with selling firms can potentially:
give selling firms a heightened financial incentive to sell the contract offered in this prospectus over another investment with lower compensation to the selling firm.
cause selling firms to encourage their sales representatives to sell you the contract offered in this prospectus instead of selling you other alternative investments that may result in lower compensation to the selling firm.
cause selling firms to grant us access to its sales representatives to promote sales of the contract offered in this prospectus, while denying that access to other firms offering similar contracts or other alternative investments which may pay lower compensation to the selling firm.
Payments to Investment Professionals
The selling firm pays its sales representatives. The selling firm decides the compensation and benefits it will pay its sales representatives.
To inform yourself of any potential conflicts of interest, ask the sales representative before you buy, how the selling firm and its sales representatives are being compensated and the amount of the compensation that each will receive if you buy the contract.
Service Providers
Our Service Center performs certain administrative services on the contracts and policies we issue. The address and telephone number of our Service Center are listed on the first page of the prospectus. We also have entered into agreements with certain entities to provide the identified services in connection with the contracts and policies we issue. The entities engaged by RiverSource Life may change over time. Entities that provided services to RiverSource Life in 2020 are listed in the table below.
Name of Service ProviderServices ProvidedAddress
Ameriprise Financial, Inc.Business affairs management and administrative support related to new business and servicing of existing contracts and policies707 Second Avenue South Minneapolis MN 55402 USA
Ameriprise India Private LimitedAdministrative support related to new business and servicing of existing contracts and policies annual report filingsPlot No. 14, Sector 18 Udyog Vihar Gurugram, Haryana – 122 015 India
Sykes Enterprise IncorporatedAdministrative support related to e new business and servicing of existing contracts and policies10 th Floor, Glorietta BPO 1 Office Tower Makati City 1224 Metro Manila Philippines
Assignment of Contracts
You may change ownership of your annuity at any time by completing a change of ownership form we approve and sending it to our Service Center. No change of ownership will be binding on us until we receive and record it. If you have a qualified annuity, the contract may not be sold, assigned, transferred, discounted or pledged as collateral for a loan or as security for the performance of an obligation or for any other purpose except as required or permitted by the Code; provided, however, that if the owner is a trust or custodian, or an employer acting in a similar capacity, ownership of a contract may be transferred to the annuitant.

RiverSource Guaranteed Term Annuity — Prospectus    17

Table of Contents
Taxes
Under current law, your contract has a tax-deferral feature. Generally, this means you do not pay income tax until there is a taxable distribution (or deemed distribution) from the contract. We will send a tax information reporting form for any year in which we made a taxable or reportable distribution according to our records.
Nonqualified Annuities
Generally, only the increase in the value of a non-qualified annuity contract over the investment in the contract is taxable. Certain exceptions apply. Federal tax law requires that all nonqualified deferred annuity contracts issued by the same company (and possibly its affiliates) to the same owner during a calendar year be taxed as a single, unified contract when distributions are taken from any one of those contracts.
Annuity payments: Generally, unlike surrenders described below, the income taxation of annuity payouts are subject to exclusion ratios (for fixed annuity payouts) or annual excludable amounts (for variable annuity payouts). In other words, a portion of each payment will be ordinary income and subject to tax, and a portion of each payment will be considered a return of part of your investment in the contract and will not be taxed. All amounts you receive after your investment in the contract is fully recovered will be subject to tax. Under Annuity Payment Plan A: Life annuity — no refund, where the annuitant dies before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the owner for the last taxable year. Under all other annuity payment plans, where the annuity payments end before your investment in the contract is fully recovered, the remaining portion of the unrecovered investment may be available as a federal income tax deduction to the taxpayer for the tax year in which the payments end. (See “The Annuity Payment Period — Annuity Payment Plans.”)
Federal tax law permits taxpayers to annuitize a portion of their nonqualified annuity while leaving the remaining balance to continue to grow tax-deferred. Under the partial annuitization rules, the portion annuitized must be received as an annuity for a period of 10 years or more, or for the lives of one or more individuals. If this requirement is met, the annuitized portion and the tax-deferred balance will generally be treated as two separate contracts for income tax purposes only. If a contract is partially annuitized, the investment in the contract is allocated between the deferred and the annuitized portions on a pro rata basis.
Surrenders: Generally, if you surrender all or part of your nonqualified annuity before your annuity payments begin, your surrender will be taxed to the extent that the contract value immediately before the surrender exceeds the investment in the contract. Application of surrender charges may alter the manner in which we tax report the surrender. Different rules may apply if you exchange another contract into this contract.
You also may have to pay a 10% IRS penalty for surrenders of taxable income you make before reaching age 59½ unless certain exceptions apply.
Withholding: If you receive taxable income as a result of an annuity payment or surrender, we may deduct federal, and in some cases state, withholding against the payment. Any withholding represents a prepayment of your income tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number and you have a valid U.S. address, you may be able to elect not to have federal income tax withholding occur.
If the payment is part of an annuity payment plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.
The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.
Some states also may impose income tax withholding requirements similar to the federal withholding described above. If this should be the case, we may deduct state income tax withholding from the payment.
Federal and state tax withholding rules are subject to change. Annuity payouts and surrenders are subject to the tax withholding rules in effect at the time that they are made, which may differ from the rules described above.
Death benefits to beneficiaries: The death benefit under a nonqualified contract is not exempt from estate (federal or state) taxes. In addition, for income tax purposes, any amount your beneficiary receives that exceeds the remaining investment in the contract is taxable as ordinary income to the beneficiary in the year he or she receives the payments. (See also “Death Benefit Prior to Settlement”).
Net Investment Income Tax (also known as Medicare contribution tax): Effective for taxable years beginning on or after January 1, 2013, certain high-income individuals (as well as estates and trusts) are subject to a new 3.8% net investment income tax (as an addition to income taxes). For individuals, the 3.8% tax applies to the lesser of (1) the amount by which the taxpayer’s modified adjusted gross income exceeds $200,000 ($250,000 for married filing jointly

18    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
and surviving spouses; $125,000 for married filing separately) or (2) the taxpayer’s “net investment income.” Net investment income includes taxable income from nonqualified annuities. Annuity holders are advised to consult their tax advisor regarding the possible implications of this additional tax.
Annuities owned by corporations, partnerships or irrevocable trusts: For nonqualified annuities, any annual increase in the value of annuities held by such entities (nonnatural persons) generally will be treated as ordinary income received during that year. However, if the trust was set up for the benefit of a natural person(s) only, the income may generally remain tax-deferred until surrendered or paid out.
Penalties: If you receive amounts from your nonqualified annuity before reaching age 59½, you may have to pay a 10% IRS penalty on the amount includable in your ordinary income. However, this penalty will not apply to any amount received:
because of your death or in the event of nonnatural ownership, the death of the annuitant;
because you become disabled (as defined in the Code);
if the distribution is part of a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);
if it is allocable to an investment before Aug. 14, 1982; or
if annuity payments are made under immediate annuities as defined by the Code.
Transfer of ownership: Generally, if you transfer ownership of a nonqualified annuity without receiving adequate consideration, the transfer may be taxed as a surrender for federal income tax purposes. If the transfer is a currently taxable event for income tax purposes, the original owner will be taxed on the amount of deferred earnings at the time of the transfer and also may be subject to the 10% IRS penalty discussed earlier. In this case, the new owner’s investment in the contract will be equal to the investment in the contract at the time of the transfer plus any earnings included in the original owner’s taxable income as a result of the transfer. In general, this rule does not apply to transfers between spouses or former spouses. Similar rules apply if you transfer ownership for full consideration. Please consult your tax advisor for further details.
1035 Exchanges: Section 1035 of the Code permits nontaxable exchanges of certain insurance policies, endowment contracts annuity contracts and qualified long-term care insurance contracts. while providing for continued tax deferral of earnings. In addition, Section 1035 permits the carryover of the investment in the contract from the old policy or contract to the new policy or contract. In a 1035 exchange one policy or contract is exchanged for another policy or contract. The following can qualify as nontaxable exchanges: (1) the exchange of a life insurance policy for another life insurance policy or for an endowment, annuity or qualified long-term care insurance contract, (2) the exchange of an endowment contract for an annuity or qualified long-term care insurance contract, or for an endowment contract under which payments will begin no later than payments would have begun under the contract exchanged, (3) the exchange of an annuity contract for another annuity contract or for a qualified long-term care insurance contract and (4) the exchange of a qualified long-term care insurance contract for a qualified long-term care insurance contract. Additionally, other tax rules apply. However, if the life insurance policy has an outstanding loan, there may be tax consequences. Depending on the issue date of your original policy or contract, there may be tax or other benefits that are given up to gain the benefits of the new policy or contract. Consider whether the features and benefits of the new policy or contract outweigh any tax or other benefits of the old contract.
For a partial exchange of an annuity contract for another annuity contract, the 1035 exchange is generally tax-free. The investment in the original contract and the earnings on the contract will be allocated proportionately between the original and new contracts. However, per IRS Revenue Procedure 2011-38, if surrenders are taken from either contract within the 180-day period following an exchange, the IRS will apply general tax principles to determine the appropriate tax treatment of the exchange and subsequent surrender. As a result, there may be unexpected tax consequences. You should consult your tax advisor before taking any surrender from either contract during the 180-day period following a partial exchange. Different IRS limitations on surrenders apply to partial exchanges completed prior to October 24, 2011.
Assignment: If you assign or pledge your contract as collateral for a loan, earnings on purchase payments you made after Aug. 13, 1982 will be taxed as a deemed distribution and you may have to pay a 10% IRS penalty on the taxable portion.
Qualified Annuities
Adverse tax consequences may result if you do not ensure that contributions, distributions and other transactions under the contract comply with the law. Qualified annuities have minimum distribution rules that govern the timing and amount of distributions. You should refer to your retirement plan’s Summary Plan Description, your IRA disclosure statement, or consult a tax advisor for additional information about the distribution rules applicable to your situation.

RiverSource Guaranteed Term Annuity — Prospectus    19

Table of Contents
When you use your contract to fund a retirement plan or IRA that is already tax-deferred under the Code, the contract will not provide any necessary or additional tax deferral. If your contract is used to fund an employer sponsored plan, your right to benefits may be subject to the terms and conditions of the plan regardless of the terms of the contract.
Annuity payments: Under a qualified annuity, except a Roth IRA, Roth 401(k) or Roth 403(b), the entire payment generally is includable as ordinary income and is subject to tax unless: (1) the contract is an IRA to which you made non-deductible contributions; or (2) you rolled after-tax dollars from a retirement plan into your IRA; or (3) the contract is used to fund a retirement plan and you or your employer have contributed after-tax dollars; or (4) the contract is used to fund a retirement plan and you direct such payout to be directly rolled over to another eligible retirement plan such as an IRA. We may permit partial annuitizations of qualified annuity contracts. If we accept partial annuitizations, please remember that your contract will still need to comply with other requirements such as required minimum distributions and the payment of taxes. Prior to considering a partial annuitization on a qualified contract, you should discuss your decision and any implications with your tax adviser. Because we cannot accurately track certain after tax funding sources, we will generally report any payments on partial annuitizations as ordinary income except in the case of a qualified distribution from a Roth IRA.
Annuity payments from Roth IRAs: In general, the entire payment from a Roth IRA can be free from income and penalty taxes if you have attained age 59½ and meet the five year holding period.
Surrenders: Under a qualified annuity, except a Roth IRA, Roth 401(k) or Roth 403(b), the entire surrender will generally be includable as ordinary income and is subject to tax unless: (1) the contract is an IRA to which you made non-deductible contributions; or (2) you rolled after-tax dollars from a retirement plan into your IRA; or (3) the contract is used to fund a retirement plan and you or your employer have contributed after-tax dollars; or (4) the contract is used to fund a retirement plan and you direct such surrender to be directly rolled over to another eligible retirement plan such as an IRA.
Surrenders from Roth IRAs: In general, the entire payment from a Roth IRA can be free from income and penalty taxes if you have attained age 59½ and meet the five year holding period or another qualifying event such as death or disability.
Required Minimum Distributions: Retirement plans (except for Roth IRAs) are subject to required surrenders called required minimum distributions (“RMDs”) beginning at age 72. RMDs are based on the fair market value of your contract at year-end divided by the life expectancy factor. Certain death benefits may be considered in determining the fair market value of your contract for RMD purposes. This may cause your RMD to be higher. Inherited IRAs (including inherited Roth IRAs) are subject to special RMD rules. You should consult your tax advisor prior to making a purchase for an explanation of the potential tax implications to you.
Withholding for IRAs, Roth IRAs, SEPs and SIMPLE IRAs: If you receive taxable income as a result of an annuity payment or a surrender, we may deduct withholding against the payment. Any withholding represents a prepayment of your tax due for the year. You take credit for these amounts on your annual income tax return. As long as you have provided us with a valid Social Security Number or Taxpayer Identification Number, you can elect not to have any withholding occur.
If the payment is part of an annuity payment plan, we generally compute the amount of federal income tax withholding using payroll tables. You may provide us with a statement of how many exemptions to use in calculating the withholding. If the distribution is any other type of payment (such as a partial or full surrender) we compute federal income tax withholding using 10% of the taxable portion.
The federal income tax withholding requirements differ if we deliver payment outside the United States or you are a non-resident alien.
Some states also may impose income tax withholding requirements similar to the federal withholding described above. If this should be the case, we may deduct state income tax withholding from the payment.
Withholding for all other qualified annuities: If you receive directly all or part of the contract value from a qualified annuity, mandatory 20% federal income tax withholding (and possibly state income tax withholding) generally will be imposed at the time the payment is made from the plan. Any withholding represents a prepayment of your tax due for the year. You take credit for these amounts on your annual income tax return. This mandatory withholding will not be imposed if instead of receiving the distribution check, you elect to have the distribution rolled over directly to an IRA or another eligible plan;
In the below situations, the distribution is subject to an optional 10% withholding. We will withhold 10% of the distribution amount unless you elect otherwise.
the payment is one in a series of substantially equal periodic payments, made at least annually, over your life or life expectancy (or the joint lives or life expectancies of you and your designated beneficiary) or over a specified period of 10 years or more;
the payment is a RMD as defined under the Code;

20    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
the payment is made on account of an eligible hardship; or
the payment is a corrective distribution.
Payments made to a surviving spouse instead of being directly rolled over to an IRA are subject to mandatory 20% income tax withholding.
State withholding also may be imposed on taxable distributions.
Penalties: If you receive amounts from your qualified contract before reaching age 59½, you may have to pay a 10% IRS penalty on the amount includable in your ordinary income. However, this penalty generally will not apply to any amount received:
because of your death;
because you become disabled (as defined in the Code);
if the distribution is part of a series of substantially equal periodic payments made at least annually, over your life or life expectancy (or joint lives or life expectancies of you and your beneficiary);
if the distribution is made following severance from employment during or after the calendar year in which you attain age 55 (Qualified annuities funding 401(a) plans and 403(b) plans only);
to pay certain medical or education expenses (IRAs only); or
if the distribution is made from an inherited IRA.
Death benefits to beneficiaries: The entire death benefit generally is taxable as ordinary income to the beneficiary in the year he/she receives the payments from the qualified annuity. If you made non-deductible contributions to a traditional IRA, the portion of any distribution from the contract that represents after-tax contributions is not taxable as ordinary income to your beneficiary. You are responsible for keeping all records tracking your non-deductible contributions to an IRA. Death benefits under a Roth IRA generally are not taxable as ordinary income to the beneficiary if certain distribution requirements are met.
Change of retirement plan type: IRS regulations allow for rollovers of certain retirement plan distributions. In some circumstances, you may be able to have an intra-contract rollover, keeping the same features and conditions. If the annuity contract you have does not support an intra-contract rollover, you are able to request an IRS approved rollover to another annuity contract or other investment product that you choose. If you choose another annuity contract or investment product, you will be subject to new rules, including a new surrender charge schedule for an annuity contract, or other product rules as applicable.
Assignment: You may not assign or pledge your qualified contract as collateral for a loan.
Other
Important: Our discussion of federal tax laws is based upon our understanding of current interpretations of these laws. Federal tax laws or current interpretations of them may change. For this reason and because tax consequences are complex and highly individual and cannot always be anticipated, you should consult a tax advisor if you have any questions about taxation of your contract.
RiverSource Life’s tax status: We are taxed as a life insurance company under the Code.
Tax qualification: We intend that the contract qualify as an annuity for federal income tax purposes. To that end, the provisions of the contract are to be interpreted to ensure or maintain such tax qualification, in spite of any other provisions of the contract. We reserve the right to amend the contract to reflect any clarifications that may be needed or are appropriate to maintain such qualification or to conform the contract to any applicable changes in the tax qualification requirements. We will send you a copy of any amendments.
Spousal status: When it comes to your marital status and the identification and naming of any spouse as a beneficiary or party to your contract, we will rely on the representations you make to us. Based on this reliance, we will issue and administer your contract in accordance with these representations. If you represent that you are married and your representation is incorrect or your marriage is deemed invalid for federal or state law purposes, then the benefits and rights under your contract may be different.
If you have any questions as to the status of your relationship as a marriage, then you should consult an appropriate tax or legal advisor.

RiverSource Guaranteed Term Annuity — Prospectus    21

Table of Contents
The Company
Business
We issue the contracts. We are a stock life insurance company organized in 1957 under the laws of the state of Minnesota and are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. We are a wholly-owned subsidiary of Ameriprise Financial, Inc.
We conduct a conventional life insurance business. We are licensed to do business in 49 states, the District of Columbia and American Samoa. Our primary products currently include fixed and variable annuity contracts and life insurance policies.
Investments by Riversource Life
RiverSource Life must invest its assets in its general account in accordance with requirements established by applicable state laws regarding the nature and quality of investments that life insurance companies may make and the percentage of their assets that they may commit to any particular type of investment. In general, these laws permit investments, within specified limits and subject to certain qualifications, in federal, state, and municipal obligations, corporate bonds, asset-backed securities, preferred and common stocks, real estate mortgages, real estate and certain other investments. All claims by purchasers of the contracts, and other general account products, will be funded by the general account.
We intend to construct and manage the investment portfolio relating to these market value annuity contracts in such a way as to minimize the impact of fluctuations by interest rates. We seek to achieve this by constructing a portfolio of assets with a price sensitivity to interest rate changes (i.e., price duration) that is similar to the price duration of the corresponding portfolio of liabilities. Our investment strategy will incorporate the use of a variety of debt instruments having price durations tending to match the applicable guaranteed interest periods. These instruments include, but are not necessarily limited to, the following:
Securities issued by the U.S. government or its agencies or instrumentalities, which issues may or may not be guaranteed by the U.S. government;
Debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by the nationally recognized rating agencies or are rated in the two highest grades by the National Association of Insurance Commissioners;
Debt instruments that are unrated, but which are deemed by RiverSource Life to have an investment quality within the four highest grades;
Other debt instruments, which are rated below investment grade, limited to 15% of assets at the time of purchase; and
Real estate mortgages, limited to 30% of portfolio assets at the time of acquisition.
In addition, options and futures contracts on fixed income securities will be used from time to time to achieve and maintain appropriate investment and liquidity characteristics on the overall asset portfolio.
While this information generally describes our investment strategy, we are not obligated to follow any particular strategy except as may be required by federal law and Minnesota and other state insurance laws.
Legal Proceedings
Insurance companies have been the subject of increasing regulatory, legislative and judicial scrutiny. Numerous state and federal regulatory agencies have commenced examinations and other inquiries of insurance companies regarding sales and marketing practices (including sales to older consumers and disclosure practices), claims handling, and unclaimed property and escheatment practices and procedures. RiverSource Life has cooperated and will continue to cooperate with the applicable regulators.
RiverSource Life is involved in the normal course of business in a number of other legal and arbitration proceedings concerning matters arising in connection with the conduct of its business activities. RiverSource Life believes that it is not a party to, nor are any of its properties the subject of, any pending legal, arbitration or regulatory investigation, examination or proceeding that is likely to have a material adverse effect on its consolidated financial condition, results of operations or liquidity. Notwithstanding the foregoing, it is possible that the outcome of any current or future legal, arbitration or regulatory proceeding could have a material impact on results of operations in any particular reporting period as the proceedings are resolved.
Uncertain economic conditions, heightened and sustained volatility in the financial markets and significant financial reform legislation may increase the likelihood that clients and other persons or regulators may present or threaten legal claims or that regulators increase the scope or frequency of examinations of RiverSource Life or the insurance industry generally.

22    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
Experts
The financial statements incorporated in this prospectus by reference to the Annual Report on Form 10-K for the year ended December 31, 2021 have been so incorporated in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.
Additional Information
Incorporation of Certain Documents by Reference
The SEC allows Us to “incorporate by reference” the information We have filed with the SEC. This means that We can disclose important information to You without actually including the specific information in this prospectus by referring You to other documents filed separately with the SEC. The information incorporated by reference is an important part of this prospectus. Information that We later provide to the SEC, and which is deemed to be “filed” with the SEC, will automatically update information previously filed with the SEC, and may replace information in this prospectus and information previously filed with the SEC. We incorporate by reference RiverSource Life Insurance Company’s annual report on Form 10-K for the year ended December 31, 2021 as filed with the SEC on ___________, File No.033-28976 in accordance with the Securities Exchange Act of 1934, as amended and any filings We make with the SEC under Sections 13(a) or 15(d) of the Securities Exchange Act (excluding information deemed to be furnished and not filed with the SEC) after the effective date of this registration statement, until all offerings under the registration statement of which this prospectus forms a part are completed or terminated. The annual report contains additional information about RiverSource Life Insurance Company, including audited financial statements for the latest fiscal year.
RiverSource Life will furnish You without charge a copy of any or all of the documents incorporated by reference into this prospectus, including any exhibits to such documents which have been specifically incorporated by reference. We will do so upon receipt of Your written or oral request. You can contact RiverSource Life at the telephone number and address listed on the first page of this prospectus.
Available Information
This prospectus is part of a registration statement we file with the SEC. Additional information on RiverSource Life and on this offering is available in the registration statement and other materials we file. You can obtain copies of these materials at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. You can obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC also maintains an Internet site that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. This prospectus, other information about the contract and other information incorporated by reference are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).
Indemnification
Insofar as indemnification for liabilities arising under the Securities Act of 1933 (the Act) may be permitted to directors, officers and controlling persons of RiverSource Life pursuant to the foregoing provisions, or otherwise, we have been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment of expenses incurred or paid by a director, officer or controlling person in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, we will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

RiverSource Guaranteed Term Annuity — Prospectus    23

Table of Contents
Appendix A — Partial Surrender Illustration
Involving a surrender charge and a market value adjustment
Annuity assumptions
Single payment$10,000
Guarantee period10 years
Guarantee rate(ig)4% effective annual yield
Contract yearSurrender charge%End of contract year
accumulation values
if no surrenders
18%$10,400.00
2710,816.00
3611,248.64
4511,698.59
5412,166.53
6312,653.19
7213,159.32
8113,685.69
9014,233.12
10014,802.44
Partial surrender assumptions
On the first day of your fourth contract year you request a partial surrender of:
Example I — $2,000 of your accumulation value
Example II — A $2,000 net surrender check
You may surrender 10% of $11,248.64 (end of third contract year accumulation value) without surrender charge but subject to a market value adjustment — this is $1,124.86
The excess market adjusted value surrendered is subject to both a 5% (fourth contract year) surrender charge and a market value adjustment.
The current rate applicable for new sales and renewals = 3%
The current rate applicable for new sales and renewals +.0025(iMvi) = 3.25%
The number of full years left in your guarantee period (N) = 7
The number of fractional years left in your guarantee period (t) = 0
Example I — $2,000 of accumulation value surrendered
What will be your market value adjustment amount?
The market adjusted value of your $2,000 partial surrender will be:
Renewal value of accumulation value surrendered
=(1 + iMvi) (N + t)
$2,000 (1 + ig)7
(1 + iMvi)7
=$2,000 (1.04)7
(1.0325)7
=$2,103.94
The market value adjustment = the market adjusted value surrendered less the accumulation value surrendered
$2,103.94 – $2,000 = $103.94
(NOTE: This market value adjustment is positive. In other cases the market value adjustment may be negative.)

24    

Table of Contents
What will be your surrender charge amount?
The surrender charge will be 5% multiplied by the excess of the market adjusted value over the accumulation value that may be surrendered without surrender charge:
($2,103.94 – $1,124.86) × .05 = $48.95
What net amount will you receive?
Your contract’s accumulation value will decrease by $2,000 and we will send you a check for:
Accumulation value surrendered$2,000.00
Market value adjustment103.94
Less surrender charge(48.95)
Net surrender amount$2,054.99
Example II — $2,000 net surrender check requested
What will be the accumulation value surrendered?
Tell us if you want a specific net surrender check amount. We will work backwards using an involved formula to determine how much accumulation value must be surrendered to result in a net check to you for a specific amount. For a $2,000 net check to you, the formula results in $1,944.98 of accumulation value to be surrendered.
What will be your market value adjustment amount?
The market adjusted value is:
Renewal value of accumulation value surrendered
(1 + iMvi) (N + t)
=$1,944.98 (1 + ig)7
(1 + iMvi)7
=$1,944.98 (1.04)7
(1.0325) 7
=$2,046.06
The market value adjustment = the market adjusted value surrendered less the accumulation value surrendered
$2,046.06 – $1,944.98 = $101.08
(NOTE: This market value adjustment is positive. In other cases the market value adjustment may be negative.)
What will be your surrender charge amount?
The surrender charge will be 5% multiplied by the excess of the market adjusted value over the accumulation value that may be surrendered without surrender charge:
($2,046.06 – $1,124.86) × .05 = $46.06
What net amount will you receive?
Your contract’s accumulation value will decrease by $1,944.98 and we will send you a check for:
Accumulation value surrendered$1,944.98
Market value adjustment101.08
Less surrender charge(46.06)
Net surrender amount$2,000.00

    25

Table of Contents
Appendix B — Market Value Adjustment Illustration
Annuity assumptions
Single payment$50,000
Guarantee period10 years
Guarantee rate4% effective annual yield
Market value adjustment assumptions: These examples show how the market value adjustment may affect your contract values. The surrenders in these examples occur one year after the contract date. There are no previous surrenders.
The accumulation value at the end of one year is $52,000. If there aren’t any surrenders, the renewal value at the end of the 10-year guarantee period will be $74,012.21.
We base the market value adjustment on the rate we are crediting (at the time of your surrender) on new contracts with the same length guarantee period as the time remaining in your guarantee period. After one year, you have nine years left of your 10-year guarantee period.
Example I shows a downward market value adjustment. Example II shows an upward market value adjustment. These examples do not show the surrender charge (if any) that would be calculated separately after the market value adjustment. Surrender charge calculations are shown in Appendix A.
Market adjusted value formula:
Market adjusted value =(Renewal value)
(1 + iMvi)(N + t)
Renewal value=The accumulation value at the end of the current guarantee period
s=The current interest rate offered for new contract sales and renewals for the number of years remaining in the guarantee period +.0025
N=The number of complete contract years to the end of the current guarantee period
t=The fraction of the contract year remaining to the end of the contract year
Example I — Downward market value adjustment
A surrender results in a downward market value adjustment when interest rates have increased. Assume after one year, we are now crediting 4.5% for a new contract with a nine-year guarantee period. If you fully surrender, the market adjusted value would be:
Renewal value
(1 + iMvi)(N + t)
=$74,012.21
(1 + .0475)9
=$48,743.54
The market value adjust3ment is a $3,256.46 reduction of the accumulation value:
($3,256.46) = $48,743.54 – $52,000
If you surrendered half of your contract instead of all, the market adjusted value of the surrendered portion would be one-half that of the full surrender:
$24,371.77 =$37,006.11
(1 + .0475)9

26    RiverSource Guaranteed Term Annuity — Prospectus

Table of Contents
Example II — Upward market value adjustment
A surrender results in an upward market value adjustment when interest rates have decreased more than .25%. Assume after one year, we are now crediting 3.5% for a new contract with a nine-year guarantee period. If you fully surrender, the market adjusted value would be:
Renewal value
(1 + iMvi)(N + t)
=$74,012.21
(1 + .0375)9
=$53,138.64
The market value adjustment is a $1,138.64 increase of the accumulation value:
$1,138.64 = $53,138.64 – $52,000
If you surrendered half of your contract instead of all, the market adjusted value of the surrendered portion would be one-half that of the full surrender:
$26,569.32 =$37,006.11
(1 + .0375)9

RiverSource Guaranteed Term Annuity — Prospectus    27

Table of Contents
This page left blank intentionally

Table of Contents
This page left blank intentionally

Table of Contents
This page left blank intentionally

Table of Contents
This page left blank intentionally

Table of Contents
This page left blank intentionally

Table of Contents
This page left blank intentionally

Table of Contents
(RiverSource Annuity Logo)
RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474
1-800-862-7919
PRO S-6401 (5/22)
RiverSource Distributors, Inc. (Distributor), Member FINRA.
Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota. Affiliated with Ameriprise Financial Services, LLC.
©2008-2021 RiverSource Life Insurance Company. All rights reserved.


Prospectus

May 1,April 29, 2022

RiverSource®

Guarantee Period Accounts

Offered Under Certain Variable Annuity Contracts

 

Issued by:

RiverSource Life Insurance Company (RiverSource Life)

829 Ameriprise Financial Center
Minneapolis, MN 55474
Telephone: 1-800-333-3437
(Service Center)

829 Ameriprise Financial Center

Minneapolis, MN 55474

Telephone: 1-800-333-3437

(Service Center)

This prospectus describes Guarantee Period Accounts (GPAs), which are available only under the following variable annuity contracts:

Evergreen Essential Variable Annuity

 

Evergreen New Solutions Variable Annuity

Evergreen New Solutions Select Variable Annuity

Evergreen Pathways Variable Annuity

Evergreen Pathways Select Variable Annuity

Evergreen Privilege Variable Annuity

Evergreen Essential Variable Annuity
Evergreen New Solutions Variable Annuity
Evergreen New Solutions Select Variable Annuity
Evergreen Pathways Variable Annuity
Evergreen Pathways Select Variable Annuity
Evergreen Privilege Variable Annuity
 RiverSource® AccessChoice Select Variable Annuity

 RiverSource® Builder Select Variable Annuity

 RiverSource® Endeavor Select Variable Annuity

 RiverSource® FlexChoice Variable Annuity

 RiverSource® FlexChoice Select Variable Annuity

 RiverSource® Galaxy Premier Variable Annuity

 RiverSource® Innovations Variable Annuity

 RiverSource® Innovations Select Variable Annuity

 RiverSource® Innovations Classic Variable Annuity

 RiverSource® Innovations Classic Select Variable Annuity

 RiverSource® New Solutions Variable Annuity

 RiverSource® Pinnacle Variable Annuity

 RiverSource® RAVA 5 Advantage® Variable Annuity, RiverSource® RAVA 5 Select® Variable Annuity, RiverSource® RAVA 5 Access® Variable Annuity (offered for applications signed prior to April 30, 2012)

 RiverSource® RAVA 5 Advantage® Variable Annuity, RiverSource® RAVA 5 Select® Variable Annuity, RiverSource® RAVA 5 Access® Variable Annuity (offered for applications signed on or after April 30, 2012, but prior to April 29, 2013)
 RiverSource® RAVA 5® Advantage Variable Annuity, RiverSource RAVA 5 Select® Variable Annuity, RiverSource® RAVA 5 Access® Variable Annuity (offered for applications signed on or after April 29, 2013)

 RiverSource® RAVA 5® Advantage Variable Annuity (offered for applications signed on or after April 29, 2019)

 RiverSource® Retirement Group Annuity Contract I

RiverSource® RAVA 5® Access Variable Annuity

 RiverSource® Retirement Group Annuity Contract II

 RiverSource® Retirement Advisor 4 Access® Variable Annuity

 RiverSource® Retirement Advisor 4 Advantage® Variable Annuity

 RiverSource® Retirement Advisor 4 Select® Variable Annuity

 RiverSource® Retirement Advisor Select Plus Variable Annuity

 RiverSource® Retirement Advisor Advantage Plus Variable Annuity

 RiverSource® Signature Variable Annuity

 RiverSource® Signature Select Variable Annuity

 RiverSource® Signature One Variable Annuity

 RiverSource® Signature One Select Variable Annuity
Wells Fargo Advantage Variable Annuity
Wells Fargo Advantage Select Variable Annuity
Wells Fargo Advantage Builder Variable Annuity
Wells Fargo Advantage Choice Variable Annuity
Wells Fargo Advantage Choice Select Variable Annuity

Wells Fargo Advantage Variable Annuity

Wells Fargo Advantage Select Variable Annuity

Wells Fargo Advantage Builder Variable Annuity

Wells Fargo Advantage Choice Variable Annuity

Wells Fargo Advantage Choice Select Variable Annuity
 

 

If you own one of these variable annuity contracts, you may be able to allocate purchase payments and contract value to the GPAs. The GPAs may not be available in some states and may not be available if you elect certain optional benefit riders available under your variable annuity contract. Please refer to your variable annuity contract or certificate (collectively, contract) and the prospectus for the contract (contract prospectus) for details regarding whether you are eligible to invest in the GPAs.

RiverSource Guarantee Period Accounts — Prospectus    1


Please read this prospectus carefully and keep it for future reference. This prospectus does not describe the contract itself or the investment options other than the GPAs. For a description of your contract, please see your contract prospectus.

If you withdraw money from the GPAs before the end of the guarantee period, you may be subject to a market value adjustment. Interest rates for new guarantee period accounts may be higher or lower than the previous guaranteed interest rate.

A discussion of risk factors associated with the GPAs begins on page 65 of this prospectus.

1     RiverSource Guarantee Period Accounts — Prospectus


The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense.

An investment in the GPAs is not a deposit of a bank or financial institution and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. An investment in the GPAs involves investment risk including the possible loss of principal.

The principal underwriter is RiverSource Distributors, Inc. The offering of the interests in the GPAs is intended to be continuous.

RiverSource Life has not authorized any person to give any information or to make any representations regarding the GPAs other than those contained in this prospectus. Do not rely on any such information or representations.

 

2    RiverSource Guarantee Period Accounts — Prospectus     2


Table of Contents

 

Key Terms

   4 

Risk Factors

   65 

The Guarantee Period Accounts (GPAs)

   76 

Market Value Adjustment (MVA)

   76 

Valuing Your Investment in the GPAs

   87 

The “Nonunitized” Separate Account

   87 

Transferring Contract Value To and From the GPAs

   98 

Surrenders From the GPAs

   98 

Processing Requests

   108 

Charges

   108 

Benefits in Case of Death

   109 

Annuitizing Amounts in the GPAs

   119 

The General Account

   119 

About the Service Providers

   119 

Principal Underwriter

   119 

Issuer

   1210 

Legal Proceedings

   1210 

Experts

   1210 

Additional Information

   1210 

Incorporation of Certain Documents By Reference

   1210 

Available Information

   1311 

Indemnification

   1311 

Appendix A: Example Market Value Adjustment (MVA)

   1412 

Appendix B: Example Death Benefit Calculations

   1614 

 

3     

RiverSource Guarantee Period Accounts — Prospectus    3


Key Terms

 

These terms can help you understand details about the GPAs.

Annuitant: The person or persons on whose life or life expectancy the annuity payouts are based.

Annuity payouts: An amount paid at regular intervals under one of several plans.

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

Contract: One of the variable annuity contracts under which the GPAs are offered.

Contract value: The total value of your contract at any point in time. The contract value is the sum of the contract value in the Fixed account, contract value in the Variable account, and contract value in the GPAs.

Fixed account: PartAn investment option that ispart of our general account, which includes any regularguarantees a fixed interest rate. Unlike GPAs, allocations to the fixed account and the Special DCA fixed account or any one-year fixed account and the DCA fixed account options offered under your contract.are not subject to a MVA.

Good order: We cannot process your transaction request relating to your contract until we have received the request in good order at our Service Center. “Good order” means the actual receipt of the request 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. 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.

Guarantee Period: The number of successive 12-month periods that a guaranteed interest rate is credited.

Guarantee Period Accounts (GPAs): A nonunitized separate account to which you may allocate purchase payments or transfer contract value of at least $1,000. These accounts have guaranteed interest rates for guarantee periods

we declare when you allocate purchase payments or transfer contract value to a GPA. These guaranteed rates and periods of time may vary by state. Unless an exception applies, transfers or surrenders from a GPA done more than 30 days before the end of the guarantee period will receive a market value adjustment, which may result in a gain or loss of principal.

Market Value Adjustment (MVA): A positive or negative adjustment assessed if any portion of a GPA is surrendered or transferred more than 30 days before the end of its guarantee period.

Owner (you, your): The person or persons identified in the contract as owner(s) of the contract, who has or have the right to control the contract (to decide on investment allocations, transfers, payout options, etc.). Usually, but not always, the owner is also the annuitant. The owner or any joint owner may

be a non-natural person (e.g. irrevocable trust or corporation) or a revocable trust. If any owner is a non-natural person or revocable trust, the annuitant will be deemed to be the owner for contract provisions that are based on the age or life of the owner. When the contract is owned by a revocable trust or irrevocable grantor trust, the annuitant selected should be the grantor of the trust to assure compliance with Section 72(s) of the Code. Any ownership change, including continuation of the contract by your spouse under the spousal continuation provision of the contract, redefines “owner”, “you” and “your”.

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

Service Center: Our department that processes all transaction and service requests for the contracts. 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 this prospectus.

Valuation date: Any normal business day, Monday through Friday, on which the NYSE is open, up to the time it closes. At the NYSE

RiverSource Guarantee Period Accounts — Prospectus     4


close, the next valuation date begins. If your contract anniversary is not a valuation date, your contract value for that contract anniversary will be based on close of business values on the next valuation date.

If we receive your purchase payment or any transaction request (such as a transfer or surrender request) in good order at our Service Center before the close of business, we will process your payment or transaction using the

close of business values we calculate on the valuation date we received your payment or transaction request. On the other hand, if we receive your purchase payment or transaction request in good order at our Service Center at or after the close of business, we will process your payment or transaction using the close of business values 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 close of business values 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 close of business values we calculate on the next valuation date.

Variable account: Consists of separate subaccounts to which you may allocate purchase payments; each invests in shares of one fund.

 

 

5

4    RiverSource Guarantee Period Accounts — Prospectus


Risk Factors

This section discusses risks associated with the GPAs. Please refer to your contract prospectus for information about risks associated with your contract and any optional benefit riders you have elected.

Interest Rate Risk

Each GPA pays an interest rate declared by us when you make an allocation to that account and is fixed for the guarantee period you choose. We will periodically change the declared interest rate for future allocations to these accounts at our discretion based, in part, on various factors on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life’s revenues and expenses. We cannot predict nor can we guarantee future rates.

Liquidity Risk

We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule). At all other times, and unless an exception to the 30-day rule applies, we will apply a Market Value Adjustment (“MVA”) if you surrender or transfer contract value from a GPA or you elect an annuity payout plan while you have contract value invested in a GPA. We refer to these transactions as “early surrenders.” Because an early surrender may result in a loss of principal due to the MVA, the GPAs provide limited liquidity.

Market Value Adjustment Risk

We will apply an MVA to “early surrenders” from a GPA as described above. The MVA may be negative, positive or result in no change depending on how the guaranteed interest rate on your GPA compares to the new interest rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. You bear the risk of loss of principal due to a negative MVA.

Investment Risk

We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule); otherwise, unless an exception applies, an “early surrender” may result in the loss of principal due to a negative MVA.

Financial Strength

All guarantees under the GPAs are subject to the creditworthiness and continued claims-paying ability of RiverSource Life. We hold amounts you allocate to the GPAs in a “nonunitized” separate account. This separate account provides an additional measure of assurance that we will make full payment of amounts due under the GPAs. We own the assets of this separate account as well as any favorable investment performance of those assets. You do not participate in the performance of the assets held in this separate account. We guarantee all benefits relating to your value in the GPAs. The assets held in our general account support the guarantees under your contract including your investment in the GPAs. You should be aware that our general account is exposed to many of the same risks normally associated with a portfolio of fixed-income securities including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of annuities and financial instruments and products as well, and these obligations are satisfied from the assets in our general account. Our general account is not segregated or insulated from the claims of our creditors.

Cybersecurity and Systems Integrity

Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners.

This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following:

the corruption or destruction of data;

theft, misuse or dissemination of data to the public, including your information we hold; and

denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them.

These attacks and their consequences can negatively impact your investment in the GPAs, your privacy, your ability to conduct transactions, or your ability to receive timely service from us. There can be no assurance that we or our other business partners will avoid losses affecting your investment in the GPAs due to any successful cyber-attacks or information security breaches. There may be an increased risk of cyber-attacks during periods of geo-political or military conflict (such as Russia’s invasion of Ukraine and the resulting response by the United States and other countries).

 

RiverSource Guarantee Period Accounts — Prospectus    65


The Guarantee Period Accounts (GPAs)

The GPAs may not be available for contracts in some states or if you have elected certain optional benefit riders. Please refer to your contract and your contract prospectus for details regarding whether you are eligible to invest in the GPAs. For new RiverSource® RAVA 5® Advantage Variable Annuity and RiverSource® RAVA 5® Access Variable Annuity contracts, GPAs are not available in Connecticut, Illinois and Oregon. For RiverSource® Retirement Group Annuity Contract I and RiverSource® Retirement Group Annuity Contract II, GPAs are not available in Connecticut, Illinois, Indiana, Maryland, Oregon, Pennsylvania, and Washington. All other contracts are no longer sold.

In general, you may allocate purchase payments and purchase payment credits, if applicable and transfer contract value to one or more of the GPAs with guarantee periods declared by us. These periods of time may vary.vary from one to 10 years, depending on your Contract. We will send you a letter prior to the end of your guarantee period that lists the available GPAs or you can contact our Service Center at the number listed on the cover page of this prospectus for the GPAs currently available to you. The required minimum investment in each GPA is $1,000. These accounts are not offered after your contract value is applied to an annuity payout plan.

Each GPA pays an interest rate that is declared when you make an allocation to that account. Interest is credited daily. That interest rate is then fixed for the guarantee period that you chose. We will periodically change the declared interest rate for any future allocations to these accounts, but we will not change the rate paid on money currently in a GPA.

The interest rates that we will declare as guaranteed rates in the future are determined by us at our discretion (future rates). These rates generally will be based on including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life’s revenues and expenses. We cannot predict nor can we guarantee what future rates will be.be. Contact our Service Center at the number listed on the cover page of this prospectus for current interest rates.

Market Value Adjustment (MVA)

We guarantee the contract value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPAs prior to 30 days before the end of the guarantee period (30-day rule). At all other times, and unless one of the exceptions to the 30-day rule described below applies, we will apply an MVA if you surrender or transfer contract value from a GPA or you elect an annuity payout plan while you have contract value invested in a GPA. We will refer to these transactions as “early surrenders.” The application of an MVA may result in either a gain or loss (including loss of principal).

The 30-day rule does not apply and no MVA will apply to:

 

amounts surrendered under contract provisions that waive surrender charges for Hospital or Nursing Home Confinement and Terminal Illness Diagnosis; and

amounts deducted for contract fees and charges.

See “Charges” in your contract prospectus for information on the fees and charges that apply under your contract and the circumstances under which any applicable surrender charges will be waived.

Amounts we pay as death claims will not be reduced by any MVA.

At the End of the Guarantee Period

We will not apply an MVA to contract value you transfer or surrender out of the GPAs during the 30-day period ending on the last day of the guarantee period. During this 30 day window you may choose to start a new guarantee period of the same length, transfer the contract value from the current GPA to a GPA of another length, transfer the contract value from the current GPA to any of the investment options available under the contract, apply the contract value to an annuity payout plan, or surrender the value from the current GPA (all subject to applicable surrender, transfer, and transferannuitization provisions – See “Transferring Among Accounts”, “Surrenders” and “Surrenders”“The Annuity Payout Period” in your contract prospectus for more information). If we do not receive any instructions by the end of your guarantee period, we will automatically transfer the contract value from the current GPA into the shortest GPA term available.

7     RiverSource Guarantee Period Accounts — Prospectus


Calculating the MVA

When you request an early surrender, we adjust the early surrender amount by an MVA formula. The early surrender amount reflects the relationship between the guaranteed interest rate you are earning in your current GPA and the interest rate we are crediting on new GPAs that end at the same time as your current GPA.

The MVA is sensitive to changes in current interest rates. The magnitude of any applicable MVA will depend on our current schedule of guaranteed interest rates at the time of the surrender, the time remaining in your guarantee period and your guaranteed

6    RiverSource Guarantee Period Accounts — Prospectus


interest rate. The MVA is negative, zero or positive depending on how the guaranteed interest rate on your GPA compares to the interest rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. This is summarized in the following table:

 

If your GPA rate is:

  The MVA is:

Less than the new GPA rate + 0.10%

  Negative

Equal to the new GPA rate +0.10%

  Zero

Greater than the new GPA rate +0.10%

  Positive

If the MVA is negative, the early surrender amount will be decreased. If the MVA is positive, the early surrender amount will be increased. For the MVA formula and examples, see Appendix A.

Valuing Your Investment in the GPAs

We value the amounts you allocate to the GPAs directly in dollars. The value of the GPAs equals:

the sum of your purchase payments and transfer amounts allocated to the GPAs;

plus any purchase payment credits allocated to the GPAs, if applicable under your contract;

plus interest credited;

minus the sum of amounts surrendered (including any applicable surrender charges) and amounts transferred out;

minus applicable charges under your contract and the optional benefit riders you have elected.

See “Charges” in your contract prospectus for information on fees and charges that apply under your contract.

The “Nonunitized” Separate Account

We hold amounts you allocate to the GPAs in a “nonunitized” separate account. This separate account provides an additional measure of assurance that we will make full payment of amounts due under the GPAs. We own the assets of this separate account as well as any favorable investment performance of those assets. You do not participate in the performance of the assets held in this separate account. We guarantee all benefits relating to your value in the GPAs. This guarantee is based on the continued claims-paying ability of the company’s general account. You should be aware that our general account is exposed to the risks normally associated with a portfolio of fixed-income securities, including interest rate, option, liquidity and credit risk.

We intend to construct and manage the investment portfolio relating to the separate account in such a way as to minimize the impact of fluctuations in interest rates. We achieve this by constructing a portfolio of assets with a price sensitivity to interest rate changes (i.e., price duration) that is similar to the price duration of the corresponding portfolio of liabilities.

We must invest this portfolio of assets in accordance with requirements established by applicable state laws regarding the nature and quality of investments that life insurance companies may make and the percentage of their assets that they may commit to any particular type of investment. Our investment strategy will incorporate the use of a variety of debt instruments having price durations tending to match

RiverSource Guarantee Period Accounts — Prospectus     8


the applicable guarantee periods. These instruments include, but are not necessarily limited to, the following:

 

Securities issued by the U.S. government or its agencies or instrumentalities, which issues may or may not be guaranteed by the U.S. government;

Debt securities that have an investment grade, at the time of purchase, within the four highest grades assigned by any of three nationally recognized rating agencies — Standard & Poor’s, Moody’s Investors Service or Fitch — or are rated in the two highest grades by the National Association of Insurance Commissioners;

Debt instruments that are unrated, but which are deemed by RiverSource Life to have an investment quality within the four highest grades;

Other debt instruments which are unrated or rated below investment grade, limited to 15% of assets at the time of purchase; and

Real estate mortgages, limited to 30% of portfolio assets at the time of acquisition.

In addition, options and futures contracts on fixed income securities will be used from time to time to achieve and maintain appropriate investment and liquidity characteristics on the overall asset portfolio.

While this information generally describes our investment strategy, we are not obligated to follow any particular strategy except as may be required by federal law and Minnesota and other state insurance laws.

RiverSource Guarantee Period Accounts — Prospectus    7


Transferring Contract Value To and From the GPAs

Before your contract value is applied to an annuity payout plan, you may transfer contract values from a GPA any time after 60 days of transfer or payment allocation to the account. Transfers made more than 30 days before the end of the guarantee period will receive an MVA, which may result in a gain or loss of contract value, unless an exception applies. You may not set up automated transfers to or from the GPAs.

The minimum transfer amount is $250 or the entire account balance, if less than $250. There is no charge for transfers. Before making a transfer, you should consider the risks involved in changing investments. We may suspend or modify transfer privileges at any time, subject to state regulatory requirements.

After your contract value is applied to an annuity payout plan, you may not make transfers to or from the GPAs. When your contract value is applied to an annuity payout plan, you must transfer all contract value out of the GPAs.

See “Transferring Among Accounts” in your contract prospectus for additional transfer provisions that apply to the investment options under your contract.

Surrenders From the GPAs

You may surrender all or part of your contract value in a GPA at any time before the date your contract value is applied to an annuity payout plan by sending us a written request or calling us. Surrenders from the GPAs will be subject to an MVA if done more than 30 days before the end of the guarantee period, unless an exception applies.

Surrender charges and other charges applicable to your contract and the optional benefit riders you have elected may apply. We do not apply MVAs to the amounts we deduct for fees and charges. See “Charges” in your contract prospectus for more information regarding charges that may apply under your contract. Federal income taxes and penalties and state and local income taxes may also apply. See “Taxes” in your contract prospectus for information about the tax consequences of surrendering contract value.

9     RiverSource Guarantee Period Accounts — Prospectus


If you have a balance in more than one account and you request a partial surrender:

 

Under certain contracts, we will automatically surrender money from all of your investment options, including the GPAs, in the same proportion as your value in each account correlates to your total contract value, unless requested otherwise.

Under certain contracts, we will not surrender money from any GPAs you may have unless insufficient amounts are available from your other investment options or you specifically request the surrender is taken from the GPAs.

See “Surrenders” in your contract prospectus for more information regarding surrenders from your contract.

Processing Requests

You may submit transfer or surrender requests in writing or by telephone.

To submit a transaction request by letter, send your name, contract number, Social Security Number or Taxpayer Identification Number and signed request to:

RiverSource Life Insurance Company

70100 Ameriprise Financial Center

Minneapolis, MN 55474

To submit a transaction request by telephone, call:

1-800-862-7919

If we receive your transfer or surrender request at our Service Center in good order before the close of the NYSE (4:00 pm Eastern time unless the NYSE closes earlier), we will process your transfer using the close of business values we calculate on that valuation date. If we receive your transfer or surrender request at our Service Center in good order at or after the close of the NYSE (4:00 pm Eastern time unless the NYSE closes earlier), we will process your transfer using the close of business values we calculate on the next valuation date after we received your request.

Please refer to your contract prospectus for more information regarding surrenders from your contract.

Charges

There are no charges that apply specifically to the GPAs. Please see the “Charges” section in your contract prospectus for a description of charges that apply under your contract.

8    RiverSource Guarantee Period Accounts — Prospectus


Benefits in Case of Death

Your contract provides a standard death benefit, and additional optional death benefits may also be available to you under your contract. Provided below is information about how MVAs may impact the death benefit. Please refer to your contract and your contract prospectus for detailed information about the death benefit that applies to you based on your contract and the optional benefit riders you have elected.

Amounts we pay as death claims will not be subject to a negative MVA. However, a positive MVA may apply.

Under certain contracts and death benefits, the value of the death benefit is reduced proportionally when you take a partial surrender based on the percentage of contract value that is withdrawn (adjusted partial surrender). If you request a partial surrender from the GPAs that will give you the net amount you requested after we apply any applicable MVA and surrender charge, the MVA could increase or decrease

RiverSource Guarantee Period Accounts — Prospectus     10


the percentage of contract value that is withdrawn. In these circumstances, a negative MVA would increase the impact of an adjusted partial withdrawal on the value of the death benefit.

Under certain contracts, if the value of your death benefit is less than the amount you would be entitled to receive under a full surrender of your contract if you were still living, the amount payable will be the full surrender value. The full surrender value is the contract value immediately prior to payment of a death claim less any applicable surrender charges and other charges under your contract and the optional benefit riders you have elected plus any positive or negative MVA.

For examples of how the MVA affects death benefits, see Appendix B.

Annuitizing Amounts in the GPAs

MVAs may apply when your contract value is applied to an annuity payout plan. This is because GPAs are not offered after your contract value is applied to an annuity payout plan, and you must transfer all contract value out of the GPAs on that date.

When your contract value is applied to an annuity payout plan, your contract value, including any contract value allocated to the GPAs, will be annuitized (converted to a stream of monthly payments). If your contract is annuitized, the contract goes into payout and only the annuity payout provisions continue. You will no longer have access to your contract value.

The annuity payout plans available to you are outlined in your contract prospectus. The amount available to purchase payouts under the plan you select is the contract value on the date your contract value is applied to the plan after any applicable charges have been deducted, plus any positive or negative MVA (less any applicable premium tax). We will apply an MVA if contract value that you have invested in a GPA is applied to an annuity payout plan prior to 30 days before the end of the guarantee period. If the MVA is negative, the contract value applied to your annuity payout will be reduced.

The General Account

The general account includes all assets owned by RiverSource Life, other than those in the variable account and our other separate accounts. Subject to applicable state law, we have sole discretion to decide how assets of the general account will be invested. The assets held in our general account support the guarantees under your contract including your investment in the GPAs. You should be aware that our general account is exposed to many of the same risks normally associated with a portfolio of fixed-income securities including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of annuities and financial instruments and products as well, and these obligations are satisfied from the assets in our general account. Our general account is not segregated or insulated from the claims of our creditors.

About the Service Providers

Principal Underwriter

For additional distribution information, please see your contract prospectus. There is no additional plan of distribution or sales compensation with respect to the GPAs.

RiverSource Distributors, Inc. (RiverSource Distributors), our affiliate, serves as the principal underwriter and general distributor of the contracts. Its offices are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.

11     RiverSource Guarantee Period Accounts — Prospectus


RiverSource Distributors is not required to sell any specific number or dollar amount of securities, but will use its best efforts to sell the securities offered.

Additional information about the underwriting agreement with RiverSource Distributors, Inc., including sales compensation, is included in your contract prospectus and in the statement of additional information that relates to your contract prospectus. This

RiverSource Guarantee Period Accounts — Prospectus    9


information applies regardless of whether you choose to invest in the GPAs, and there is no additional plan of distribution or sales compensation with respect to the GPAs.

Issuer

We issue the interests in the GPAs and the contracts they are offered under. We are a stock life insurance company organized in 1957 under the laws of the state of Minnesota and are located at 829 Ameriprise Financial Center, Minneapolis, MN 55474. We are a wholly-owned subsidiary of Ameriprise Financial, Inc.

We conduct a conventional life insurance business. We are licensed to do business in 49 states, the District of Columbia and American Samoa. Our primary products currently include fixed and variable annuity contracts (including indexed linked annuity contracts) and life insurance policies.

Legal Proceedings

Insurance companies have been the subject of increasing regulatory, legislative and judicial scrutiny. Numerous state and federal regulatory agencies have commenced examinations and other inquiries of insurance companies regarding sales and marketing practices (including sales to older consumers and disclosure practices), claims handling, and unclaimed property and escheatment practices and procedures. RiverSource Life has cooperated and will continue to cooperate with the applicable regulators.

RiverSource Life is involved in the normal course of business in a number of other legal and arbitration proceedings concerning matters arising in connection with the conduct of its business activities. RiverSource Life believes that it is not a party to, nor are any of its properties the subject of, any pending legal, arbitration or regulatory investigation, examination or proceeding that is likely to have a material adverse effect on its consolidated financial condition, results of operations or liquidity. Notwithstanding the foregoing, it is possible that the outcome of any current or future legal, arbitration or regulatory proceeding could have a material impact on results of operations in any particular reporting period as the proceedings are resolved.

Uncertain economic conditions, heightened and sustained volatility in the financial markets and significant financial reform legislation may increase the likelihood that clients and other persons or regulators may present or threaten legal claims or that regulators increase the scope or frequency of examinations of RiverSource Life or the insurance industry generally.

Experts

The financial statements incorporated in this prospectus by reference to the Annual Report on Form 10-K for the year ended December 31, 2021 have been so incorporated in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

Additional Information

Incorporation of Certain Documents By Reference

RiverSource Guarantee Period Accounts — Prospectus     12


The SEC allows Us to “incorporate by reference” the information We have filed with the SEC. This means that We can disclose important information to You without actually including the specific information in this prospectus by referring You to other documents filed separately with the SEC. The information incorporated by reference is an important part of this prospectus. Information that We later provide to the SEC, and which is deemed to be “filed” with the SEC, will automatically update information previously filed with the SEC, and may replace information in this prospectus and information previously filed with the SEC. We incorporate by reference RiverSource Life Insurance Company’s annual report on Form 10-K for the year ended December 31, 2021 as filed with the SEC on [TBD],Feb. 25, 2022, File No. 033-28976 in accordance with the Securities Exchange Act of 1934, as amended and any filings We make with the SEC under Sections 13(a) or 15(d) of the Securities Exchange Act (excluding information deemed to be furnished and not filed with the SEC) after the effective date of this registration statement, until all offerings under the registration statement of which this prospectus forms a part are completed or terminated. The annual report contains additional information about RiverSource Life Insurance Company, including audited financial statements for the latest fiscal year.

RiverSource Life will furnish You without charge a copy of any or all of the documents incorporated by reference into this prospectus, including any exhibits to such documents which have been specifically incorporated by reference. We will do so upon receipt of Your written or oral request. You can contact RiverSource Life at the telephone number and address listed on the first page of this prospectus.

10    RiverSource Guarantee Period Accounts — Prospectus


Available Information

This prospectus is part of a registration statement we file with the SEC. Additional information on RiverSource Life and on this offering is available in the registration statement and other materials we file. You can obtain copies of these materials at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. You can obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC also maintains an Internet site that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. This prospectus, other information about the contract and other information incorporated by reference are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

Indemnification

Insofar as indemnification for liabilities arising under the Securities Act of 1933 (the Act) may be permitted to directors, officers and controlling persons of RiverSource Life pursuant to the foregoing provisions, or otherwise, we have been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment of expenses incurred or paid by a director, officer or controlling person in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, we will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

 

13     

RiverSource Guarantee Period Accounts — Prospectus    11


Appendix A: Example Market Value Adjustment (MVA)

As the examples below demonstrate, the application of an MVA may result in either a gain or a loss of principal. We refer to all of the transactions described below as “early surrenders.” The examples may show hypothetical contract values. These contract values do not represent past or future performance. Actual contract values may be more or less than those shown and will depend on a number of factors, including but not limited to the investment experience of the variable account, the fixed account, the GPAs and the fees and charges that apply to your contract.

Assumptions:

You purchase a contract and allocate part of your purchase payment to a ten-year GPA; and

we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and

after three years, you decide to make a surrender from your GPA. In other words, there are seven years left in your guarantee period.

Remember that the MVA depends partly on the interest rate of a new GPA for the same number of years as the Guarantee Period remaining on your GPA. In this case, that is seven years.

Example 1: Remember that your GPA is earning 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 3.5%. We add 0.10% to the 3.5% rate to get 3.6%. Your GPA’s 3.0% rate is less than the 3.6% rate so the MVA will be negative.

Example 2: Remember again that your GPA is earning 3.0%, and assume that new GPAs that we offer with a seven-year Guarantee Period are earning 2.5%. We add 0.10% to the 2.5% rate to get 2.6%. In this example, since your GPA’s 3.0% rate is greater than the 2.6% rate, the MVA will be positive. To determine that adjustment precisely, you will have to use the formula described below.

Sample MVA Calculations

The precise MVA formula we apply is as follows:

Early surrender amount × [{( 1 + i )/(1 + j + .001)}(n/12) –1] = MVA

Where     i = rate earned in the GPA from which amounts are being transferred or surrendered.

Wherei =rate earned in the GPA from which amounts are being transferred or surrendered.
j =current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period (rounded up to the next year).
n =number of months remaining in the current Guarantee Period (rounded up to the next month).

j = current rate for a new Guaranteed Period equal to the remaining term in the current Guarantee Period (rounded up to the next year).

n = number of months remaining in the current Guarantee Period (rounded up to the next month).

Examples — MVA

Using assumptions similar to those we used in the examples above:

You purchase a contract and allocate part of your purchase payment to a ten-year GPA; and

we guarantee an interest rate of 3.0% annually for your ten-year Guarantee Period; and

after three years, you decide to make a $1,000 surrender from your GPA. In other words, there are seven years left in your guarantee period.

Example 1: You request an early surrender of $1,000 from your ten-year GPA earning a guaranteed interest rate of 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 3.5%. Using the formula above, we determine the MVA as follows:

$1,000 × [{( 1.030 )/(1 + .035 + .001)}(84/12) –1] = -$39.84

In this example, the MVA is a negative $39.84.

RiverSource Guarantee Period Accounts — Prospectus     14


Example 2: You request an early surrender of $1,000 from your ten-year GPA earning a guaranteed interest rate of 3.0%. Assume at the time of your surrender new GPAs that we offer with a seven-year Guarantee Period are earning 2.5%. Using the formula above, we determine the MVA as follows:

$1,000 × [{( 1.030 )/(1 + .025 + .001)}(84/12) –1] = $27.61

In this example, the MVA is a positive $27.61

12    RiverSource Guarantee Period Accounts — Prospectus


Please note that, depending on the surrender charge schedule applicable to any purchase payments you allocate to a GPA, a surrender charge may also apply. We do not apply MVAs to the amounts we deduct for surrender charges, so we would deduct any applicable surrender charge from your early surrender after we applied the MVA. Also note that when you request an early surrender, we surrender an amount from your GPA that will give you the net amount you requested after we apply the MVA and any applicable surrender charge, unless you request otherwise.

The current interest rate we offer on the GPA will change periodically at our discretion. It is the rate we are then paying on purchase payments, renewals and transfers paid under your class of contract for guarantee period durations equaling the remaining guarantee period of the GPA to which the formula is being applied.

 

15     

RiverSource Guarantee Period Accounts — Prospectus    13


Appendix B: Example Death Benefit Calculations

The purpose of this appendix is to illustrate the standard and optionalimpact of the MVA on the Return of Purchase Payment death benefit calculations that are affected by the operation of MVAs.benefit.

In order to demonstrate these death benefit calculations, an example may show hypothetical contract values. These contract values do not represent past or future performance. Actual contract values may be more or less than those shown and will depend on a number of factors, including but not limited to the investment experience of the variable account, the fixed account, the GPAs, and the fees and charges that apply to your contract.

Example #1 –For contracts that include the full surrender value in the death benefit calculation:

Assumptions:

Contract Value = $99,000

Surrender Charge = $2,000

Market Value Adjustment = $5,000

No rider charges

Return of Purchase Payment Death Benefit = $100,000

Full surrender Value = Contract Value Surrender Charge + Market Value Adjustment = $99,000 – $2,000 + $5,000 = $102,000

Death Benefit = Greater of Contract Value, Return of Purchase Payment Death Benefit, and full surrender value = $102,000

Example #2 - For contracts where partial surrenders have a proportional adjustment to the death benefit:

Assumptions (before the partial surrender):

Contract Value = $50,000

Return of Purchase Payment Death Benefit = $55,000

Net Partial Surrender requested = $5,000

MVA Amount = -$500

Surrender Charge = $0

Amount withdrawn from Contract Value = $5,500

Remaining Contract Value = $44,500

Adjusted Partial Surrender*Surrenders = $55,000* $5,500 / $50,000 = $6,050

Assumptions:Adjusted Return of Purchase Payment Death Benefit = $55,000 - $6,050 = $48,950

Death Benefit = Greater of Contract Value and Return of Purchase Payment Death Benefit = $48,950

* Under certain death benefits, the value of the death benefit is reduced proportionally when you take a partial surrender. If you request a partial surrender from the GPAs that will give you the net amount you requested after we apply any applicable MVA and surrender charge, the MVA could increase or decrease the percentage of contract value that is withdrawn. In these circumstances, a negative MVA would increase the impact of an adjusted partial withdrawal (which is based on the percentage of contract value that is withdrawn) on the value of the death benefit.

Please refer to your contract and your contract prospectus for the death benefit that applies to you.

 

14    RiverSource Guarantee Period Accounts — Prospectus     16


Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota.

Affiliated with Ameriprise Financial Services, LLC.

©2008-2021 RiverSource Life Insurance Company. All rights reserved.

PRO9115_12_A01_(4/22)


PART II.

INFORMATION NOT REQUIRED IN PROSPECTUS

Item 14. Other Expenses of Issuance and Distribution

The following is an itemized list of the estimated expenses to be incurred in connection with the issuance and distribution of the securities being offered:

 

Registration Fee:

  $0 

Printing and Filing Expenses:

  $4,900

Legal Fees and Expenses:

   N/A 

Audit Fees:

  $4000

Accounting Fees and Expenses:

   N/A 

*

Registration Fee:

$       0

Printing and Filing Expenses:

$6,300

Legal Fees and Expenses:

N/A

Audit Fees:

$_____
–        

Accounting Fees and Expenses:

N/A

*Estimated expense.

Item 15. Indemnification of Directors and Officers

The amended and restated By-Laws of the depositor provide that the depositor will indemnify, to the fullest extent now or hereafter provided for or permitted by law, each person involved in, or made or threatened to be made a party to, any action, suit, claim or proceeding, whether civil or criminal, including any investigative, administrative, legislative, or other proceeding, and including any action by or in the right of the depositor or any other corporation, or any partnership, joint venture, trust, employee benefit plan, or other enterprise (any such entity, other than the depositor, being hereinafter referred to as an “Enterprise”), and including appeals therein (any such action or process being hereinafter referred to as a “Proceeding”), by reason of the fact that such person, such person’s testator or intestate (i) is or was a director or officer of the depositor, or (ii) is or was serving, at the request of the depositor, as a director, officer, or in any other capacity, or any other Enterprise, against any and all judgments, amounts paid in settlement, and expenses, including attorney’s fees, actually and reasonably incurred as a result of or in connection with any Proceeding, except as provided below.

No indemnification will be made to or on behalf of any such person if a judgment or other final adjudication adverse to such person establishes that such person’s acts were committed in bad faith or were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated, or that such person personally gained in fact a financial profit or other advantage to which such person was not legally entitled. In addition, no indemnification will be made with respect to any Proceeding initiated by any such person against the depositor, or a director or officer of the depositor, other than to enforce the terms of this indemnification provision, unless such Proceeding was authorized by the Board of Directors of the depositor. Further, no indemnification will be made with respect to any settlement or compromise of any Proceeding unless and until the depositor has consented to such settlement or compromise.

The depositor may, from time to time, with the approval of the Board of Directors, and to the extent authorized, grant rights to indemnification, and to the advancement of expenses, to any employee or agent of the depositor or to any person serving at the request of the depositor as a director or officer, or in any other capacity, of any other Enterprise, to the fullest extent of the provisions with respect to the indemnification and advancement of expenses of directors and officers of the depositor.

Insofar as indemnification for liability arising under the Securities Act of 1933 (the “Act”) may be permitted to directors, officers and controlling persons of the depositor or the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.


Item 16. Exhibits

See the Exhibit Index immediately preceding the signature page to this registration statement for a list of exhibits filed as part of this registration statement, which Exhibit Index is incorporated herein by reference.

Item 17. Undertakings


Item 17. Undertakings

(a) The undersigned registrant hereby undertakes:

(1) to file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:

(i) to include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;

(ii) to reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the Registration Statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering price set forth in the “Calculation of Registration Fee” table in the effective registration statement;

(iii) to include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the Registration Statement, provided, however, that paragraphs (a)(1)(i), (a)(1)(ii) and (a)(1)(iii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the Commission by the registrant pursuant to Section 13 or 15(d) of the Securities Act of 1934 that are incorporated by reference in the registration statement, or is contained in a form of prospectus filed pursuant to Rule 424(b) that is part of this Registration Statement;

(2) that, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new Registration Statement relating to the securities offered therein, and the offering of such securities at that time may be deemed to be the initial bona fide offering thereof;

(3) to remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering; and

(4) That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use. registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.

(5) That, for the purpose of determining liability of the Registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities: The undersigned Registrant undertakes that in a primary offering of securities of the undersigned Registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned Registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser: (i) Any preliminary prospectus or prospectus of the undersigned Registrant relating to the offering required to be filed pursuant to Rule 424; (ii) Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned Registrant or used or referred to by the undersigned Registrant; (iii) The portion of any other free writing prospectus relating to the offering containing material information about the undersigned Registrant or its securities provided by or on behalf of the undersigned Registrant; and (iv) Any other communication that is an offer in the offering made by the undersigned Registrant to the purchaser.

(b) The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant’s annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.


c) Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the


opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.


EXHIBIT INDEX

 

Exhibit

No.

  

Description

1.

  Principal Underwriter Agreement for RiverSource Life Insurance Company Variable Annuities and Variable Life Insurance Between RiverSource Distributors, Inc. and RiverSource Life Insurance Company, filed as Exhibit 3.1 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760 on January 3, 2007, is incorporated by reference.

  2.1

2.
  Certificate of Merger of IDS Life Insurance Company and Articles of Merger of IDS Life Insurance Company and American Enterprise Life Insurance Company, dated March  16, 2006, filed as Exhibit 2.12 to the Post-Effective Amendment No. 81 to the Registration Statement on Form S-1 for RiverSource Life Insurance Company, File No. 333-114888,333-139776, on April 27,24, 2007, is incorporated by reference.

  2.2

Articles of Merger of IDS Life Insurance Company and American Partners Life Insurance Company dated March  17, 2006, filed as Exhibit 2.2 to Post-Effective Amendment No.  8 to the Registration Statement on Form S-1 for RiverSource Life Insurance Company, File No. 333-114888, on April  27, 2007, is incorporated by reference.

3.1

Copy of Certificate of Incorporation of IDS Life Insurance Company filed as Exhibit 3.1 to Post-Effective Amendment No.  5 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April  6, 1994, is incorporated herein by reference.
(See Exhibit 3.1 to Form S-1 Registration Statement filed with the SEC on 4/31/1994.)

  3.2

Copy of Certificate of Amendment of Certificate of Incorporation of IDS Life Insurance Company dated June  22, 2006, filed as Exhibit 27(f)(1) to Post-Effective Amendment No. 28 to the Registration Statement on Form N-6 for RiverSource Variable Life Separate Account, File No. 333-69777, on January 3, 2007, is incorporated by reference.

  3.3

  Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company, filed as Exhibit 27(f)(2) to Post-Effective Amendment No. 28 to the Registration Statement on Form N-6, for RiverSource Variable Life Separate Account, File No. 333-69777, on January 3, 2007, is incorporated by reference.

  3.4

3.2
  CopyConsent in writing in lieu of Resolutiona meeting of the Board of Directors of IDSAmerican Enterprise Life Insurance Company establishing the American Enterprise MVA Account dated May  5, 1989, establishing IDS Life Account MGAAug. 18, 1999, filed as Exhibit 3.3 to Post-Effective Amendment No. 5 to theRiverSource Life Insurance Company’s Initial Registration Statement on Form S-1, for IDS Life Insurance Company, File No. 33-28976,333-86297, filed on April 6, 1994,Aug. 31, 1999, is incorporated herein by reference.
(See Exhibit 3.3 to Form S-1 Registration Statement filed with the SEC on 4/6/1994.8/31/1999.)


  3.5

3.3
  Unanimous Written ConsentCopy of the BoardCertificate of Directors In LieuAmendment of a Meeting forCertificate of Incorporation of IDS Life Insurance Company adopted Dec. 8, 2006 for the Re-designation of the Separate Accountsdated June  22, 2006. Incorporated by reference to Reflect Entity Consolidation and Rebranding filed as Exhibit 27(a)(6)27(f)(1) to Post-Effective Amendment No. 28 to the Registration Statement on Form N-6, for RiverSource Variable Life Separate Account, File No.  333-69777, filed on January 3, 2007, is incorporated by reference.2007.

4.1

  CopyForm of Non-tax qualified GroupDeferred Annuity Contract Form 30363C,for the American Express® Signature One Variable Annuity (form 240180), filed as Exhibit 4.1 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 51 to the Registration Statement on Form S-1N-4, for IDS Life Insurance Company, File No. 33-28976,333-85567, on April 6, 1994,Dec. 8, 1999, is incorporated herein by reference.
(See Exhibit 3.14.1 to Form S-1 Registration Statement filed with the SEC on 4/6/1994.12/8/1999.)

4.2

  CopyForm of Non-tax qualified GroupDeferred Annuity Certificate, Form 30360C,Contract for the Wells Fargo Advantage(SM)Variable Annuity (form 44209), filed as Exhibit 4.24.1 to Post-EffectiveRiverSource Variable Annuity Account’s Pre-Effective Amendment No. 51 to the Registration Statement on Form S-1N-4, for IDS Life Insurance Company, File No. 33-28976,333-85567, on April 6, 1994,Nov. 4, 1999, is incorporated hereinby reference.
(See Exhibit 4.1 to Form N-4 Registration Statement filed with the SEC on 11/4/1999.)
4.3Form of Deferred Annuity Contract for the Wells Fargo Advantage(SM)Builder Variable Annuity (form 44210), filed as Exhibit 4.2 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No. 333-85567, filed on Nov. 4, 1999, is incorporated by reference.
(See Exhibit 4.2 to Form S-1N-4 Registration Statement filed with the SEC on 11/4/6/1994.)

  4.3

Copy of Endorsement No. 30340C-GP to the Group Annuity Contract filed as Exhibit 4.3 to Post-Effective Amendment No.  5 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April 6, 1994, is incorporated herein by reference.
(See Exhibit 4.3 to Form S-1 Registration Statement filed with the SEC on 4/6/1994.)

  4.4

Copy of Endorsement No. 30340C to the Group Annuity Certificate filed as Exhibit 4.4 to Post-Effective Amendment No.  5 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April  6, 1994, is incorporated herein by reference.
(See Exhibit 4.4 to Form S-1 Registration Statement filed with the SEC on 4/6/1994.)

  4.5

Copy of Tax qualified Group Annuity Contract, Form 30369C, filed as Exhibit 4.5 to Post-Effective Amendment No.  10 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April  15, 1998, is incorporated herein by reference.
(See Exhibit 4.5 to Form S-1 Registration Statement filed with the SEC on 4/15/1998.)

  4.6

Copy of Tax qualified Group Annuity Certificate, Form 30368C, filed as Exhibit 4.6 to Post-Effective Amendment No.  10 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April  15, 1998, is incorporated herein by reference.
(See Exhibit 4.6 to Form S-1 Registration Statement filed with the SEC on 4/15/1998.)

  4.7

Copy of Group IRA Annuity Contract, Form 30372C, filed as Exhibit 4.7 to Post-Effective Amendment No.  10 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April  15, 1998, is incorporated herein by reference.
(See Exhibit 4.7 to Form S-1 Registration Statement filed with the SEC on 4/15/1998.)

  4.8

Copy of Group IRA Annuity Certificate, Form 30371C, filed as Exhibit 4.8 to Post-Effective Amendment No.  10 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April  15, 1998, is incorporated herein by reference.
(See Exhibit 4.8 to Form S-1 Registration Statement filed with the SEC on 4/15/1998.)

  4.9

Copy of Non-tax qualified Individual Annuity Contract, Form 30365D, filed as Exhibit 4.9 to Post-Effective Amendment No. 10 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April 15, 1998, is incorporated herein by reference
(See Exhibit 4.9 to Form S-1 Registration Statement filed with the SEC on 4/15/1998.1999.)


  4.10

4.4
  CopyForm of Endorsement No. 30379 to the IndividualDeferred Annuity Contract (form 240343), filed as Exhibit 4.104.1 to Post-EffectiveRiverSource Variable Annuity Account’s Pre-Effective Amendment No. 101 to the Registration Statement on Form S-1N-4, for IDS Life Insurance Company, File No.  33-28976,333-92297, on April  15, 1998,Feb. 11, 2000, is incorporated herein by reference.
(See Exhibit 4.104.1 to Form S-1N-4 Registration Statement filed with the SEC on 4/15/1998.2/11/2000.)

  4.11

4.5
  CopyForm of Tax qualified IndividualDeferred Annuity Contract for American Express Signature Variable Annuity ® (form 43431), filed as Exhibit 4.1 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to Registration Statement No. 333-74865 on Form 30370C,N-4, filed on Aug. 5, 1999, is incorporated by reference.
(See Exhibit 4.1 to Form N-4 Registration Statement filed with the SEC on 8/5/1999.)
4.6Form of Deferred Annuity Contract for the American Express® Galaxy Premier Variable Annuity and the American Express Pinnacle Variable Annuity(SM) (form 44170), filed as Exhibit 4.1 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No. 333-82149, on Sept. 21, 1999, is incorporated by reference.
(See Exhibit 4.1 to Form N-4 Registration Statement filed with the SEC on 9/21/1999.)
4.7Form of Deferred Annuity Contract Option L (form 271496), filed as Exhibit 4.1 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No.  333-73958, on Feb. 20, 2002, is incorporated by reference.
4.8Form of Deferred Annuity Contract Option C (form 271491), filed as Exhibit 4.2 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No.  333-73958, on Feb. 20, 2002, is incorporated by reference.
4.9Form of Deferred Annuity Contract (form 272646), filed as Exhibit 4.2 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 15 to the Registration Statement on Form N-4, File No. 333-92297, on October 30, 2003, is incorporated by reference.
4.10Form of Enhanced Death Benefit Rider contracts (form 44213), filed as Exhibit 4.3 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No.  333-85567, on Nov. 4, 1999, is incorporated by reference.
(See Exhibit 4.3 to Form N-4 Registration Statement filed with the SEC on 11/4/1999.)
4.11Form of Guaranteed Minimum Income Benefit Rider for the American Express Signature Variable Annuity ® and the American Express® Signature One Variable Annuity (6% Accumulation Benefit Base) (form 240186), filed as Exhibit 4.2 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 3 to the Registration Statement on Form N-4, File No. 333-85567, on Feb. 11, 2000, is incorporated by reference. (See Exhibit 4.2 to Form N-4 Registration Statement filed with the SEC on 2/11/2000.)
4.12Form of Guaranteed Minimum Income Benefit Rider (form 240350), filed as Exhibit 4.4 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No.  333-92297, on Feb. 11, 2000, is incorporated by reference.
(See Exhibit 4.4 to Form N-4 Registration Statement filed with the SEC on 2/11/2000.)
4.13Form of Guaranteed Minimum Income Benefit Rider contracts (form 44214), filed as Exhibit 4.4 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No.  333-85567, on Nov. 4, 1999, is incorporated by reference.
(See Exhibit 4.4 to Form N-4 Registration Statement filed with the SEC on 11/4/1999.)


4.14Form of 5% Accumulation Death Benefit Rider for the American Express Signature Variable Annuity® and the American Express Signature One Variable Annuity(SM) (form 240183), filed as Exhibit 4.3 to RiverSource Variable Annuity Account’s Post-Effective Amendment No.  1 to the Registration Statement on Form N-4, File No. 333-85567, on Dec. 8, 1999, is incorporated by reference.
(See Exhibit 4.3 to Form N-4 Registration Statement filed with the SEC on 12/8/1999.)
4.15Form of Value Option Return of Purchase Payment Death Benefit Rider for the American Express ® Signature One Variable Annuity (form 240182), filed as Exhibit 4.11 to Registrant’s Post-Effective Amendment No. 5 to Registration Statement No. 333-86297 on Form S-1 on April 28, 2000, is incorporated by reference.
4.16Form of 8% Performance Credit Rider for the American Express Signature Variable Annuity®and the American Express® Signature One Variable Annuity (form 240187), filed as Exhibit 4.4 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 2 to the Registration Statement on Form N-4, File No. 333-85567, on Dec. 30, 1999, is incorporated by reference.
4.17Form of Performance Credit Rider (form 240349), filed as Exhibit 4.2 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No.  333-92297, on Feb. 11, 2000, is incorporated by reference.
4.18Form of Benefit Protector(SM) Death Benefit Rider contracts (form 271155), filed as Exhibit 4.15 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 6 to the Registration Statement on Form N-4, File No. 333-85567, on March 1, 2001, is incorporated by reference.
4.19Form of Benefit Protector(SM) Plus Death Benefit Rider contracts (form 271156), filed as Exhibit 4.16 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 6 to the Registration Statement on Form N-4, File No. 333-85567, on March 1, 2001, is incorporated by reference.
4.20Form of Maximum Anniversary Value Death Benefit Rider (form 240346), filed as Exhibit 4.3 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No. 333-92297, on February 11, 2000, is incorporated by reference.
4.21Form of Roth IRA Endorsement contracts (form 43094), filed as Exhibit 4.2 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to Registration Statement No.  333-74865 on Form N-4, filed on Aug. 5, 1999, is incorporated by reference.
(See Exhibit 4.2 to Form N-4 Registration Statement filed with the SEC on 8/5/1999.)
4.22Form of SEP-IRA for the Wells Fargo Advantage(SM) Variable Annuity, the Wells Fargo Advantage(SM) Builder Variable Annuity, the American Express® Signature One Variable Annuity, the American Express® Galaxy Premier Variable Annuity, and the American Express Pinnacle Variable Annuity(SM) (form 43412), filed as Exhibit 4.3 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No. 333-72777, on July 8, 1999, is incorporated by reference.


4.23Form of SEP-IRA contracts (form 43433), filed as Exhibit 4.3 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to Registration Statement No. 333-74865 on Form N-4, filed on Aug. 4, 1999, is incorporated by reference.
(See Exhibit 4.3 to Form N-4 Registration Statement filed with the SEC on 8/4/1999.)
4.24Form of Disability Waiver of Withdrawal Charges Rider (form 44215), filed as Exhibit 4.5 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No. 333-85567, on Nov. 4, 1999, is incorporated by reference.
(See Exhibit 4.5 to Form N-4 Registration Statement filed with the SEC on 11/4/1999.)
4.25Form of Unemployment Waiver of Withdrawal Charges Rider for the Wells Fargo Advantage(SM) Variable Annuity and the Wells Fargo Advantage(SM) Builder Variable Annuity (form 44216), filed as Exhibit 4.6 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No. 333-85567, on Nov. 4, 1999, is incorporated by reference.
(See Exhibit 4.6 to Form N-4 Registration Statement filed with the SEC on 11/4/1999.)
4.26Form of TSA Endorsement contracts (form 43413), filed as Exhibit 4.4 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4, File No.  333-72777, on July 8, 1999, is incorporated by reference.
(See Exhibit 4.4 to Form N-4 Registration Statement filed with the SEC on 7/8/1999.)
4.27Form of Traditional IRA or SEP-IRA Endorsement (form 272108) filed as Exhibit 4.11 to Post-Effective Amendment No. 10 to the Registration Statement on Form S-1N-4 for IDS Life Insurance Company,RiverSource Variable Annuity Account, File No. 33-28976,333-92297, on AprilJanuary 15, 1998,30, 2003, is incorporated herein by reference.
(See Exhibit 4.11 to Form S-1 Registration Statement filed with the SEC on 4/15/1998.)

  4.12

4.28
  CopyForm of IndividualRoth IRA Annuity Contract, Form 30373C,Endorsement (form 272109) filed as Exhibit 4.12 to Post-Effective Amendment No.  10 to the Registration Statement on Form S-1N-4 for IDS Life Insurance Company,RiverSource Variable Annuity Account, File No. 33-28976,333-92297, on January  30, 2003, is incorporated by reference.
4.29Form of Variable Annuity Unisex Endorsement (form 272110) filed as Exhibit 4.13 to Post-Effective Amendment No.  10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-92297, on January  30, 2003, is incorporated by reference.
4.30Form of Maximum Anniversary Value Death Benefit Rider (form 272869) filed as Exhibit 4.11 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 7 to Registration Statement on Form N-4, File No. 333-74865, on February 2, 2004, is incorporated by reference.
4.31Form of 5% Accumulation Death Benefit Rider (form 272870) filed as Exhibit 4.12 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4, File No. 333-74865, on February 2, 2004, is incorporated by reference.
4.32Form of Enhanced Death Benefit Rider (form 272871) filed as Exhibit 4.13 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4, File No. 333-74865, on February 2, 2004, is incorporated by reference.


4.33Form of Guaranteed Minimum Income Benefit Rider (Maximum Anniversary Value Benefit Base) (form 272872) filed as Exhibit 4.14 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4, Filed No. 333-74865, on February 2, 2004 is incorporated by reference.
4.34Form of Guaranteed Minimum Income Benefit Rider (5% Accumulation Benefit Base) (form 272873) filed as Exhibit 4.15 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4, File No. 333-74865, on February 2, 2004 is incorporated by reference.
4.35Form of Guaranteed Minimum Income Benefit Rider (Greater of Maximum anniversary Value Benefit Base or 5% Accumulation Benefit Base) (form 272874) filed as Exhibit 4.16 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4, File No. 333-74865, on February 2, 2004 is incorporated by reference.
4.36Form of Guaranteed Minimum Withdrawal Benefit Rider (The Guarantor(SM) Withdrawal Benefit) (form 272875) filed as Exhibit 4.17 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4, File No. 333-74865, on February 2, 2004 is incorporated by reference.
4.37Form of Deferred Variable Annuity Contract (form 272876-DPSIG) filed as Exhibit 4.18 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4, File No. 333-74865, on February 2, 2004 is incorporated by reference.
4.38Form of Deferred Variable Annuity Contract (form 272876-DPSG1) filed as Exhibit 4.28 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 13 to the Registration Statement on Form N-4, File No. 333-85567, on February 11, 2004 is incorporated by reference.
4.39Form of Deferred Variable Annuity Contract (form 272876-DPWF6) filed as Exhibit 4.29 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 13 to the Registration Statement on Form N-4, File No. 333-85567, on February 11, 2004 is incorporated by reference.
4.40Form of Deferred Variable Annuity Contract (form 272876-DPWF8) filed as Exhibit 4.30 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 13 to the Registration Statement on Form N-4, File No. 333-85567, on February 11, 2004 is incorporated by reference.
4.41Form of Deferred Variable Annuity Contract (form 272876-DPFCC) filed as Exhibit 4.21 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 5 to the Registration Statement on Form N-4, File No. 333-73958, on February 10, 2004 is incorporated by reference.
4.42Form of Deferred Variable Annuity Contract (form 272876-DPFCL) filed as Exhibit 4.22 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 5 to the Registration Statement on Form N-4, File No. 333-73958, on February 10, 2004 is incorporated by reference.


4.43Form of Guaranteed Minimum Withdrawal Benefit Rider (form 273567) filed as Exhibit 4.22 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 22 to the Registration Statement on Form N-4, File No. 333-92297, on Jan. 28, 2005 is incorporated by reference.
4.44Form of Guaranteed Minimum Accumulation Benefit Rider (form 273568) filed as Exhibit 4.23 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 22 to the Registration Statement on Form N-4, File No. 333-92297, on Jan. 28, 2005 is incorporated by reference.
4.45Form of Annuity Endorsement (form 273566) filed as Exhibit 4.24 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 22 to the Registration Statement on Form N-4, File No. 333-92297, on Jan. 28, 2005 is incorporated by reference.
4.46Form of Guaranteed Minimum Lifetime Withdrawal Benefit Rider (Guarantor Withdrawal Benefit for Life (SM) Rider) (Form 273959) filed as Exhibit 4.22 to Post-Effective Amendment No. 14 to the Registration Statement on Form N-4, File No. 333-74865, on April 15, 1998,28, 2006, is incorporated hereinby reference.
4.47Form of MVA Endorsement (form 44182) filed as Exhibit 4.25 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.48Form of Withdrawal Charges Endorsement (form 44189) filed as Exhibit 4.26 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.49Form of Age Endorsement (form 240496) filed as Exhibit 4.27 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.50Form of TSA Plan Endorsement—RVSL (form 272865) filed as Exhibit 4.30 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.51Form of TSA Plan Endorsement—AEL (form 272865) filed as Exhibit 4.31 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.52Form of 401 Plan Endorsement—RVSL (form 272866) filed as Exhibit 4.32 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.


4.53Form of 401 Plan Endorsement—AEL (form 272866) filed as Exhibit 4.33 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.54Form of Unisex Endorsement (form 272867) filed as Exhibit 4.34 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.55Form of Fixed and Variable Annuity Contract (form 272876) filed as Exhibit 4.35 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.56Form of Fixed and Variable Annuity Contract—RVSL (form 273954) filed as Exhibit 4.35 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.57Form of Fixed and Variable Annuity Contract—AEL (form 273954) filed as Exhibit 4.38 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.58Form of Contract Data Pages—RVSL (form 273954 DPSIG) filed as Exhibit 4.39 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.59Form of MAV GMIB Rider—RVSL (form 273961) filed as Exhibit 4.40 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.60Form of MAV GMIB Rider—AEL (form 273961) filed as Exhibit 4.41 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.61Form of 5% GMIB Rider—RVSL (form 273962 filed as Exhibit 4.42 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.62Form of 5% GMIB Rider—AEL (form 273962) filed as Exhibit 4.43 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.63Form of Greater of MAV or 5% GMIB Rider—RVSL (form 273963) filed as Exhibit 4.44 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.64Form of Greater of MAV or 5% GMIB Rider—AEL (form 273963) filed as Exhibit 4.45 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.


4.65Form of Unisex Endorsement—RVSL (form 273964) filed as Exhibit 4.46 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.66Form of Unisex Endorsement—AEL (form 273964) filed as Exhibit 4.47 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.67Form of 5% Accumulation Death Benefit Rider—RVSL (form 273965) filed as Exhibit 4.48 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.68Form of 5% Accumulation Death Benefit Rider—AEL (form 273965) filed as Exhibit 4.49 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.69Form of Greater of MAV or 5% Death Benefit Rider—RVSL (form 273966) filed as Exhibit 4.50 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.70Form of Greater of MAV or 5% Death Benefit Rider—AEL (form 273966) filed as Exhibit 4.51 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760, on January 3, 2007, is incorporated by reference.
4.71Form of Contract Data Pages (form 240343-EDP) filed as Exhibit 4.28 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, filed on January 3, 2007, is incorporated by reference.
4.72Form of Contract Data Pages—RVSL (form 273954DPINN) filed as Exhibit 4.31 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, filed on January 3, 2007, is incorporated by reference.
4.73Form of Contract Data Pages—AEL (form 273954DPINN) filed as Exhibit 4.32 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, filed on January 3, 2007, is incorporated by reference.
4.74Form of Variable Annuity Contract (form 271498) filed as Exhibit 4.29 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139759, filed on January 3, 2007, is incorporated by reference.
4.75Form of Contract Data Pages—RVSL (form 273954DPFCC) filed as Exhibit 4.33 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139759, filed on January 3, 2007, is incorporated by reference.


4.76Form of Contract Data Pages—AEL (form 273954DPFCC) filed as Exhibit 4.34 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139759, filed on January 3, 2007, is incorporated by reference.
4.77Form of Contract Data Pages—RVSL (form 273954DPFCL) filed as Exhibit 4.35 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139759, filed on January 3, 2007, is incorporated by reference.
4.78Form of Contract Data Pages—AEL (form 273954DPFCL) filed as Exhibit 4.36 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139759, filed on January 3, 2007.
4.79Form of Contract Data Pages—RVSL (form 273954DPSG1) filed as Exhibit 4.39 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139762, filed on January 3, 2007.
4.80Form of Contract Data Pages—AEL (form 273954DPSG1) filed as Exhibit 4.40 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139762, filed on January 3, 2007.
4.81Form of Contract Data Pages—RVSL (form 273954DPWFB) filed as Exhibit 4.41 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139762, filed on January 3, 2007.
4.82Form of Contract Data Pages—AEL (form 273954DPWFB) filed as Exhibit 4.42 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139762, filed on January 3, 2007.
4.83Form of Unisex Traditional and SEP IRA Endorsement (form 43412) filed as Exhibit 4.3 to RiverSource Variable Annuity Account’s Pre-Effective Amendment No. 1 to Registration Statement No.  333-74865 on Form N-4, on Aug 4, 1999, is incorporated by reference.
(See Exhibit 4.124.3 to Form S-1N-4 Registration Statement filed with the SEC on 8/4/15/1998.1999.)

  4.13

4.84
  CopyForm of Endorsement No. 33007Guaranteed Minimum Withdrawal Benefit Single Life Rider (form 273959-sg) filed as Exhibit 4.134.51 to RiverSource Variable Annuity Account Post-Effective Amendment No. 1 to Registration Statement 333-139763 on Form N-4, on Feb. 23, 2007, is incorporated herein by reference.
4.85Form of Guaranteed Minimum Withdrawal Benefit Joint Life Rider (form 273959-jt) filed as Exhibit 4.52 to RiverSource Variable Annuity Account’s Post-Effective Amendment No. 1 to Registration Statement 333-139763 on Form N-4, on Feb. 23, 2007, is incorporated herein by reference.
4.86Form of Contract Data Pages—RVSL (form 273954DPBAC) filed as Exhibit 4.57 to Registrant’s Post-Effective Amendment No. 3 to Registration Statement on Form N-4, File No. 333-139759 on May 18, 2007 is incorporated herein by reference.


4.87Form of Contract Data Pages—RVSL (form 273954DPBA7) filed as Exhibit 4.58 to Registrant’s Post-Effective Amendment No. 3 to Registration Statement on Form N-4, File No. 333-139759 on May 18, 2007 is incorporated herein by reference.
4.88Form of Guaranteed Minimum Withdrawal Benefit Single Life Rider (form 275062-sg) filed as Exhibit 4.59 to Registrant’s Post-Effective Amendment No. 12 to the Registration Statement on Form N-4, File No. 333-139759 on June 5, 2009 is incorporated herein by reference.
4.89Form of Guaranteed Minimum Withdrawal Benefit Joint Life Rider (form 275062-jt) filed as Exhibit 4.60 to Registrant’s Post-Effective Amendment No. 12 to the Registration Statement on Form S-1N-4, for IDS Life Insurance Company, File No. 33-28976,333-139759 on AprilJune 26, 1999, is incorporated herein by reference.
(See Exhibit 4.13 to Form S-1 Registration Statement filed with the SEC on 4/26/1999.)

  4.14

Form of Traditional IRA or SEP-IRA Annuity Endorsement (form 131061) filed as Exhibit 4.14 to Post-Effective Amendment No. 17 to the Registration Statement on Form S-1 for IDS Life Insurance Company, File No. 33-28976, on April 23, 2003,5, 2009 is incorporated herein by reference.

  4.15

4.90
  Form of Roth IRADeferred Annuity EndorsementContract (form 131062)411265) filed as Exhibit 4.154.55 to Registrant’s Post-Effective Amendment No.  17  10 to the Registration Statement on Form S-1N-4, for IDS Life Insurance Company, File No. 33-28976, 333-139763 on April  23, 2003,Nov. 25, 2009 is incorporated herein by reference.

  4.164.91

Form of Deferred Annuity Contract (form 411265) data pages for RiverSource FlexChoice Select Variable Annuity filed as Exhibit 4.62 to Registrant’s Post-Effective Amendment No. 14 to the Registration Statement on Form N-4, File No. 333-139759 on Nov. 25, 2009 is incorporated herein by reference.
4.92Form of Guarantee Period Accounts Endorsement (form 411272) filed as Exhibit 4.57 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.93Form of Maximum Anniversary Value Death Benefit Rider (form 411278) filed as Exhibit 4.58 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.94Form of 5% Accumulation Death Benefit Rider (form 411279) filed as Exhibit 4.59 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.95Form of Enhanced Death Benefit Rider (form 411280) filed as Exhibit 4.60 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.96Form of Return of Purchase Payment Death Benefit Rider (form 411277) filed as Exhibit 4.61 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.97Form of Benefit Protector(SM) Death Benefit Rider (form 411281) filed as Exhibit 4.62 to Registrant’s Post-Effective Amendment No.  10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.


4.98Form of Benefit Protector(SM) Plus Death Benefit Rider (form 411282) filed as Exhibit 4.63 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.99Form of Guaranteed Minimum Accumulation Benefit Rider (form 411283)filed as Exhibit 4.64 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.100Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Stages® Rider (form 411284-sg) filed as Exhibit 4.65 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.101Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Stages® Rider (form 411284-jt) filed as Exhibit 4.66 to Registrant’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4, File No. 333-139763 on Nov. 25, 2009 is incorporated herein by reference.
4.102Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Stages 2 Rider filed as Exhibit 4.48 to RiverSource Variable Account 10 Post-Effective Amendment No. 61 under Registration Statement 333-79311 on July 12, 2010 is incorporated herein by reference.
4.103Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Stages 2 Rider filed as Exhibit 4.49 to RiverSource Variable Account 10 Post-Effective Amendment No. 61 under Registration Statement 333-79311 on July 12, 2010 is incorporated herein by reference.
4.104  Form of Simple IRA Annuity Endorsement (form 131063) filed as Exhibit 4.13 to Post-Effective Amendment No.  14 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on April  28, 2003, is incorporated by reference.

  4.17

4.105
  Form of TSA Endorsement (form 31049), filed as Exhibit 4. 7 to Post-Effective Amendment No.  2 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on Aug. 10, 1999 April  28, 2000, is incorporated by reference.

  4.18

4.106
  Form of Deferred Annuity Contract for Retirement Advisor Advantage Plus (form 1043A) filed as Exhibit 4.15 to IDS Life Variable Account 10 Post-Effective Amendment No. 21 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on January 28, 2004, is incorporated by reference.


  4.19

4.107
  Form of Deferred Annuity Contract for Retirement Advisor Select Plus (form 131041A) filed as Exhibit 4.16 to IDS Life Variable Account 10 Post-Effective Amendment No. 21 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on January 28, 2004, is incorporated by reference.

  4.20

4.108
  Form of Guarantee Period Accounts Rider filed as Exhibit 4.24 to IDS Life Variable Account 10 Post-Effective Amendment No.  25 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on June  2, 2004, is incorporated by reference.

  4.21

4.109
  Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4 Advantage (form 131101) filed as Exhibit 4.17 to IDS Life Variable Account 10 Post-Effective Amendment No. 40 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on June 5, 2006, is incorporated by reference.

  4.22

4.110
  Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4 Select Variable Annuity (form 131102) filed as Exhibit 4.18 to IDS Life Variable Account 10 Post-Effective Amendment No. 40 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on June 5, 2006, is incorporated by reference.

  4.23

4.111
  Form of Deferred Annuity Contract for RiverSource Retirement Advisor 4 Access Variable Annuity (form 131103) filed as Exhibit 4.19 to IDS Life Variable Account 10 Post-Effective Amendment No. 40 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on June 5, 2006, is incorporated by reference.

  4.24

4.112
  Form of Deferred Annuity Contract for RAVA 5 Advantage and data pages filed as Exhibit 4.36 to RiverSource Variable Account 10’s Post-Effective Amendment No. 61 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on July 12, 2010, is incorporated by reference.

  4.25

4.113
  Form of Deferred Annuity Contract for RAVA 5 Select and data pages filed as Exhibit 4.37 to RiverSource Variable Account 10’s Post-Effective Amendment No. 61 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on July 12, 2010, is incorporated by reference.


  4.26

4.114
  Form of Deferred Annuity Contract for RAVA 5 Access and data pages filed as Exhibit 4.38 to RiverSource Variable Account 10’s Post-Effective Amendment No. 61 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on July 12, 2010, is incorporated by reference.


  4.27

Form of Guarantee Period Accounts Endorsement (form 411272) filed as Exhibit 4.57 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, on November 25, 2009, is incorporated by reference.

  4.28

Form of Maximum Anniversary Value Death Benefit Rider (form 411278) filed as Exhibit 4.58 to Post-Effective Amendment No. 10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, on November 25, 2009, is incorporated by reference.

  4.29

4.115
  Form of 5-Year Maximum Anniversary Value Death Benefit Rider filed as Exhibit 4.41 to Registrant’s Post-Effective Amendment No. 61 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on July 12, 2010, is incorporated by reference.

  4.30

Form of 5% Accumulation Death Benefit Rider (form 411279) filed as Exhibit 4.59 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, on November 25, 2009, is incorporated by reference.

  4.31

Form of Enhanced Death Benefit Rider (form 411280) filed as Exhibit 4.60 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, on November 25, 2009, is incorporated by reference.

  4.32

Form of Return of Purchase Payment Death Benefit Rider (form 411277) filed as Exhibit 4.61 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, on November 25, 2009, is incorporated by reference.

  4.33

Form of Benefit Protector(SM) Death Benefit Rider (form 411281) filed as Exhibit 4.62 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, on November 25, 2009, is incorporated by reference.


  4.34

Form of Benefit Protector(SM) Plus Death Benefit Rider (form 411282) filed as Exhibit 4.63to RiverSource Variable Account’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, on November 25, 2009, is incorporated by reference.

  4.35

Form of Guaranteed Minimum Accumulation Benefit Rider (form 411283) filed as Exhibit 4.64 to RiverSource Variable Account’s Post-Effective Amendment No. 10 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139763, on November 25, 2009, is incorporated by reference.

  4.36

Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Stages 2 Rider filed as Exhibit 4.48 to Registrant’s Post-Effective Amendment No. 61 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on July 12, 2010, is incorporated by reference.

  4.37

Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Stages 2 Rider filed as Exhibit 4.49 to Registrant’s Post-Effective Amendment No. 61 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-79311, on July 12, 2010, is incorporated by reference.

  4.38

4.116
  Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource 3 Rider and data page filed as Exhibit 4.50 to Registrant’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-179398, on April 20, 2012, is incorporated by reference.

  4.39

4.117
  Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource 3 Rider and data page filed as Exhibit 4.51 to Registrant’s Pre-Effective Amendment No. 1 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-179398, on April 20, 2012, is incorporated by reference.

  4.40

4.118
  Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource 4 Rider and data page filed as Exhibit 4.24 to Registrant’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-186218, on April 23, 2015, is incorporated by reference.

  4.41

4.119
  Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource 4 Rider and data page filed as Exhibit 4.25 to Registrant’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-186218, on April 23, 2015, is incorporated by reference.


  4.42

4.120
  Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource 4 Plus Rider and data page filed as Exhibit 4.26 to Registrant’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-186218, on April 23, 2015, is incorporated by reference.

  4.43

4.121
  Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource 4 Plus Rider and data page filed as Exhibit 4.27 to Registrant’s Post-Effective Amendment No. 7 to the Registration Statement on Form N-4 for RiverSource Variable Account 10, File No. 333-186218, on April 23, 2015,is incorporated by reference.

  4.44

4.122
  Form of Guaranteed Minimum Death Benefit Rider Enhanced Legacy benefit (form 15111687) and data page filed electronically as Exhibit 4.28 to the Registrant’s Post-Effective Amendment No.8 to Registration Statement No. 333-186218, on July 28, 2015, is incorporated herein by reference.

  4.45

4.123
  Form of Group Deferred 403 (b) Annuity Contract (form 411333)with data pages filed electronically as Exhibit 4.1 to the Initial Registration Statement on Form N-4 for RiverSource Retirement Group Annuity Contract I, File No. 333-177381on or about Oct.19, 2011, is incorporated by reference.

  4.46

4.124
  Form of Guarantee Period Accounts endorsement filed electronically as Exhibit 4.3 to the Initial Registration Statement on Form N-4 for RiverSource Retirement Group Variable Annuity Contract II, File No. 333-177381 on or about Oct.19, 2011, is incorporated by reference.

  4.47

4.125
  Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Core Rider and data page filed electronically as Exhibit 4.29 to the Registrant’s Post-Effective Amendment No.14 to Registration Statement No. 333-186218, is incorporated by reference.

  4.48

4.126
  Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Core Rider and data page filed electronically as Exhibit 4.30 to the Registrant’s Post-Effective Amendment No.14 to Registration Statement No. 333-186218, is incorporated by reference.

  4.49

4.127
  Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Core Plus Rider and data page filed electronically as Exhibit 4.31 to the Registrant’s Post-Effective Amendment No.14 to Registration Statement No. 333-186218, is incorporated by reference.


  4.50

4.128
  Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Core Plus Rider filed electronically as Exhibit 4.32 to the Registrant’s Post-Effective Amendment No.14 to Registration Statement No. 333-186218, is incorporated by reference.


  4.51

4.129
  Form of Guaranteed Minimum Death Benefit Rider Single Rider SecureSource Legacy benefit (form 114200-SG)and data page filed electronically as Exhibit 4.33 to the Registrant’s Post-Effective Amendment No.14 to Registration Statement No. 333-186218, is incorporated by reference.


  4.52

4.130
  

Form of Guaranteed Minimum Death Benefit Rider Joint Rider SecureSource Legacy benefit (form 114200-JT)filed electronically as Exhibit 4.34 to the Registrant’s Post-Effective Amendment No.14 to Registration Statement No. 333-186218, is incorporated by reference.

4.53

4.131Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource 4 Rider and data page filed electronically as Exhibit 4.21 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

4.1324.54 Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource 4 Rider and data page filed electronically as Exhibit 4.22 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference. https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99422.htm

4.133

4.55 Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource 4 Plus Rider and data page filed electronically as Exhibit 4.23 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99423.htm

4.134

4.56 Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource 4 Plus Rider and data page filed electronically as Exhibit 4.24 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99424.htm

4.135

4.57 Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Core Rider and data page filed electronically as Exhibit 4.26 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99426.htm

4.136

4.58 Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Core Rider and data page filed electronically as Exhibit 4.27 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99427.htm

4.137

4.59 Form of Guaranteed Lifetime Withdrawal Benefit Joint Life Rider SecureSource Core Plus Rider and data page filed electronically as Exhibit 4.28 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99428.htm

4.138

4.60 Form of Guaranteed Lifetime Withdrawal Benefit Single Life Rider SecureSource Core Plus Rider and data page filed electronically as Exhibit 4.29 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99429.htm

4.139

4.61 Form of Guaranteed Minimum Death Benefit Rider SecureSource Legacy benefit Single Rider (form 115049-SG) filed electronically as Exhibit 4.30 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99430.htm

4.140

4.62 Form of Guaranteed Minimum Death Benefit Rider SecureSource Legacy Joint Rider (form 115049-JT) filed electronically as Exhibit 4.31 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference.

https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99431.htm


4.1414.63 Form of Payments to Beneficiary Endorsement (form ICC19 115157) filed electronically as Exhibit 4.32 to RiverSource Variable Account 10’s Initial Registration Statement No. 333-229360, is incorporated by reference. https://www.sec.gov/Archives/edgar/data/1000191/000119312519016974/d628359dex99432.htm


5.*

  Opinion of Counsel regarding legality of Contractsand consent to its use as to the securities being registered is filed electronically herewith.

23.1

23.*
  Consent of Independent Registered Public Accounting Firm will beFirms is filed by amendment.electronically herewith.

24.*

24.1*
  Power of Attorney to sign this Registration Statement, dated Jan. 11, 2022 filed herewith.

24.2Power of Attorney for Gumer C. Alvero and Brian E. Hartert to sign Amendment to this Registration Statement, dated March 18, 2022 filed electronically as Exhibit (p)(ii) to RiverSource Variable Account 10’s Post-Effective Amendment No. 15 to Registration Statement File No. 333-230376, is incorporated herein by reference.
Ex-107

  Filing Fees Table filed herewith.

 

*

Filed herewith.


SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, the Registrant, RiverSource Life Insurance Company, certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-3 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on the 25th day of February,April, 2022.

 

RiverSource Life Insurance Company

(Registrant)
By 

/s/ Gumer C. AlveroAlvero**

Gumer C. Alvero

    Gumer C. Alvero
    Interim Chairman of the Board and Executive

    Vice President- Annuities

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities indicated on the 25th day of February,April 25th, 2022.

[tbl:sigfull,6,,1]

 

Signature

  

Title

/s/ Gumer C. Alvero

Alvero**

  Interim Chairman of the Board and Executive Vice President – Annuities
(Chief Executive Officer)
Gumer C. Alvero

/s/ Michael J. Pelzel

Pelzel*

  Senior Vice President – Corporate Tax
Michael J. Pelzel

/s/ Stephen P. Blaske

Blaske*

  Director, Senior Vice President and Chief Actuary
Stephen P. Blaske

/s/ Shweta Jhanji

Jhanji*

  Senior Vice President and Treasurer
Shweta Jhanji

/s/ Brian J. McGrane

E. Hartert**

  Director, Executive Vice President and Chief Financial Officer
(Chief Financial Officer)
Brian J. McGraneE. Hartert

/s/ Jeninne C. McGee

McGee*

  Director
Jeninne C. McGee

/s/ Gene R. Tannuzzo

Tannuzzo*

  Director
Gene R. Tannuzzo

/s/ Gregg L. Ewing

*

  Vice President and Controller
(Principal Accounting Officer)
Gregg L. Ewing

*

Signed pursuant Power of Attorney to sign Amendment to this Registration Statement, dated Jan. 11, 2022, filed electronically herewith, by:

**

Signed pursuant Power of Attorney for Gumer C. Alvero and Brian E. Hartert to sign Amendment to this Registration Statement, dated March 18, 2022 filed electronically as Exhibit (p)(ii) to RiverSource Variable Account 10’s Post-Effective Amendment No. 15 to Registration Statement File No. 333-230376, is incorporated herein by reference. by:

 

/s/ Nicole D. Wood

Nicole D. Wood

Assistant General Counsel and Assistant Secretary