Summary Prospectus for New Investors by Investment Company (Form 497VPI)

RiverSource®

RAVA Apex Variable Annuity

Individual Flexible Purchase Payment Deferred Variable Annuity 

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

Summary Prospectus for New Investors

May 1, 2026

This Summary Prospectus summarizes key features of the RiverSource RAVA Apex Variable Annuity (the Contract), an individual flexible purchase payment deferred variable annuity issued by RiverSource Life Insurance Company ("RVS Life", "we", "us" and "our"). The Contract offers five-year, seven-year and ten-year surrender charge schedules. Before you invest, you should also review the prospectus for the Contract, which contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the Contract online at riversource.com/annuities. You can also obtain this information at no cost by calling 1-800-862-7919, by sending an email request to [email protected], or by calling your financial advisor.

You may cancel your contract within 10 days of receiving it without paying fees or penalties.

In some states, this cancellation period may be longer. Upon cancellation, you will receive your Contract value and will not be assessed any fees or penalties on that amount. Alternatively, if state law requires, you will instead receive a refund of purchase payments and will not be assessed any fees or penalties. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

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

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

 

Key Terms	3
Overview of the Contract	4
Important Information You Should Consider About the Contract	6
Additional Information About Fees	10
Buying the Contract	13
Making Withdrawals: Accessing the Money in Your Contract	14
Benefits Available Under the Contract	15
Appendix A : Investment Options Available Under the Contract	18

These terms can help you understand details about your Contract.

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

Annuitization start date: The date when annuity payments begin according to the applicable annuity payment plan.

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

Beneficiary: The person you designate to receive benefits in case of your death while the Contract is in force.

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

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

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 Special DCA Fixed Account and Contract value in the Variable Account.

Contract year: A period of 12 months, starting on the effective date of your Contract and on each anniversary of the effective date.

Funds: A portfolio of an open-end management investment company that is registered with the Securities and Exchange Commission (the "SEC") in which the Subaccounts invest. May also be referred to as an underlying Fund.

Good order: We cannot process your transaction request relating to the Contract until we have received the request in good order at our Service Center. "Good order" means the actual receipt of the requested transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in "good order", your instructions must be sufficiently clear so that we do not need to exercise any discretion to follow such instructions. This information and documentation generally includes your completed request; the Contract number; the transaction amount (in dollars); the names of and allocations to and/or from the subaccounts and the fixed account affected by the requested transaction; Social Security Number or Taxpayer Identification Number; and any other information, forms or supporting documentation that we may require. For certain transactions, at our option, we may require the signature of all Contract owners for the request to be in good order. With respect to purchase requests, "good order" also generally includes receipt of

sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in good order, and we reserve the right to change or waive any good order requirements at any time.

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. 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 nonnatural person (e.g. irrevocable trust or corporation) or a revocable trust. If any owner is a nonnatural person or a 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(s) selected must be the grantor(s) 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".

Partial Surrender: The withdrawal of part of your Contract value. Throughout this prospectus, a Partial surrender includes the term "withdrawal."

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 the prospectus.

Subaccount: A division of the Variable Account, each of which invests in one Fund.

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

Variable Account: Refers to the RiverSource Variable Account 10, a Separate Account established to hold Contract owners' assets allocated to the Subaccounts,

each of which invests in a particular Fund.

Overview of the Contract

Purpose: The purpose of the contract is to allow you to accumulate money for retirement or a similar long-term goal. You do this by making one or more purchase payments.

The contract offers various optional features and benefits that may help you achieve financial goals.

It may be appropriate for you if you have a long-term investment horizon and your financial goals are consistent with the terms and conditions of the contract.

It is not intended for investors whose liquidity needs require frequent withdrawals in excess of the free amount. If you plan to manage your investment in the contract by frequent or short-term trading, the contract is not suitable for you.

Phases of the Contract:

The contract has two phases: the Accumulation Phase and the Income Phase.

Accumulation Phase. During the Accumulation Phase, you make purchase payments and invest in: available subaccounts, each of which has a particular investment objective, investment strategies, fees and expenses and the Special DCA Fixed Account that earns a declared rate of interest. These accounts, in turn, may earn returns that increase the value of the contract. If the contract value goes to zero due to underlying fund's performance or deduction of fees, the contract (and any death benefit riders) will no longer be in force and the contract will terminate.

A list of funds and additional information regarding each investment option available under the contract is provided in Appendix A - Investment Options Available Under the Contract.

The amount of money you accumulate under your contract depends (in part) on the performance of the subaccounts you choose or the rates you earn on allocations to the Special DCA Fixed Account. You may transfer money between subaccounts during the Accumulation Phase, subject to certain restrictions. Your contract value impacts the value of your contract's benefits during the Accumulation Phase, including any optional benefits, as well as the amount available for withdrawal, annuitization and death benefits.

Income Phase. The Income Phase begins when you (or your beneficiary) choose to annuitize the contract. You can apply your contract value (less any applicable premium tax and/or other charges) to an annuity payout plan that begins on the annuitization start date or any other date you elect. You may choose from a variety of plans that can help meet your retirement or other income needs. We can make payouts on a fixed or variable basis, or both. You cannot take withdrawals of contract value or surrender the contract during the Income Phase.

All optional death benefits terminate after the annuitization start date.

Contract Features:

Additional Services:

Important Information You Should Consider About the Contract 

	FEES, EXPENSES AND ADJUSTMENTS			Location in Statutory Prospectus
Are There Charges or Adjustments for Early Withdrawals?	Yes. You may select a five -year, a seven-year or ten-year surrender charge schedule at the time of application. If you make a withdrawal or surrender, depending on the surrender charge schedule you have chosen, we may assess a surrender charge as high as 8% during the ten years following any purchase payment. For example, if you select a ten-year surrender charge schedule and make an early withdrawal, you could pay a surrender charge of up to $8,000 on a $100,000 investment.			Fee Table and Examples Charges and Adjustments - Transaction Expenses - Surrender Charge
Are There Transaction Charges?	No. Other than surrender charges, we do not assess any transaction charges.

Additional Information About Fees

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

The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract. State premium taxes also may be deducted.

Transaction Expenses

Surrender Charges 

Surrender charges (as a percentage of purchase payments surrendered)(1)	Ten-year	Seven-year	Five-year
Maximum	8 %	7 %	7 %

Ten-year schedule		Seven-year schedule		Five-year schedule
Number of completed years from date of each purchase payment	Surrender charge percentage applied to each purchase payment	Number of completed years from date of each purchase payment	Surrender charge percentage applied to each purchase payment	Number of completed years from date of each purchase payment	Surrender charge percentage applied to each purchase payment
0	8 %	0	7 %	0	7 %
1	8	1	7	1	7
2	8	2	7	2	6
3	7	3	6	3	6
4	6	4	5	4	5
5	5	5	4	5 +	0
6	4	6	2
7	3	7 +	0
8	2
9	1
10 +	0

The next table describes the fees and expenses that you will pay each year during the time that you own the contract (not including Funds fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below.

Annual Contract Expenses

Administrative Expenses
(assessed annually and upon full surrender) 

Annual contract administrative charge*	Maximum: $80	Current: $50
Annual contract administrative charge if your contract value equals or exceeds $50,000	Maximum: $30	Current: $0

* Upon full surrender of the contract, we will assess this charge even if your contract value equals or exceeds $50,000.

Base Contract Expenses(1)
(as a percentage of average daily contract value in the variable account)

Age band is determined based on your age on the application date. Size band is determined quarterly and for the first contract year only, at the time of each purchase payment. For more information on how we determine age band and size band, please see section "Charges and Adjustments - Annual Contract Expenses - Mortality and Expense Risk Fee".

(1) Base Contract Expenses are called Mortality and Expense Risk Fee in the Contract and elsewhere in this prospectus.

Standard ROPP Death Benefit 

Surrender Charge:	Age Band	Size Band	Base Contract Expenses
10-year	0-80	Less than $1,000,000	0.95 %
	0-80	$1,000,000 and greater	0.85 %
	81+	Less than $1,000,000	1.30 %

Surrender Charge:	Age Band	Size Band	Base Contract Expenses
	81+	$1,000,000 and greater	1.20 %
7-year	0-80	Less than $1,000,000	1.05 %
	0-80	$1,000,000 and greater	0.95 %
	81+	Less than $1,000,000	1.40 %
	81+	$1,000,000 and greater	1.30 %
5-year	0-80	Less than $1,000,000	1.15 %
	0-80	$1,000,000 and greater	1.05 %
	81+	Less than $1,000,000	1.50 %
	81+	$1,000,000 and greater	1.40 %

Contract Value Death Benefit

For non-qualified contracts only, you can opt out of the Standard ROPP Death Benefit and select the Contract Value Death Benefit. 

Surrender Charge:	Age Band*	Size Band	Base Contract Expenses
10-year	All Ages	Less than $1,000,000	0.75 %
	All Ages	$1,000,000 and greater	0.65 %
7-year	All Ages	Less than $1,000,000	0.85 %
	All Ages	$1,000,000 and greater	0.75 %
5-year	All Ages	Less than $1,000,000	0.95 %
	All Ages	$1,000,000 and greater	0.85 %

* For Contract Value Death Benefit, the Mortality and Expense Risk Fee does not vary by age.

Optional Benefit Expenses

Optional Death Benefits

If your contract has the Standard ROPP Death Benefit, you may select one of the following optional death benefit riders for an additional fee. 

MAV Death Benefit	Maximum: 0.25%	Current: 0.25%
5-year MAV Death Benefit	Maximum: 0.10%	Current: 0.10%

(as a percentage of average daily contract value in the variable account)

If you choose one of the above optional death benefits, we will charge the rider fee in addition to your mortality and expense risk fee. 

Benefit Protector Death Benefit

Maximum: 0.25%

Current: 0.25%

(as a percentage of contract value charged annually on the contract anniversary.) 

Enhanced LegacySM Benefit

Maximum: 1.75%

Current: 1.00%

(Charged annually on the contract anniversary. Prior to age 86, the charge is calculated by multiplying the annual rider fee by the greater of the ROPP value, Accumulation Death Benefit (ADB) value (after any increase is added) or MAV or the contract value. On or following age 86, the charge is calculated by multiplying the annual rider fee by the greater of the ROPP value, ADB value (after any increase is added) or MAV).

The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of investment options available under the contract, including their annual expenses, may be found in Appendix A.

 

Total Annual Fund Expenses	Minimum(%)	Maximum(%)
(expenses deducted from the Fund assets, including management fees, distribution and/or service (12b-1) fees and other expenses)	0.51	2.32

Examples

These examples are intended to help you compare the cost of investing in the contract. These costs include Transaction Expenses, Annual Contract Expenses, and Annual Fund expenses.

These examples assume that you invest $100,000 in the contract for the time periods indicated. These examples also assume that your investment has a 5% return each year. The "Maximum" example further assumes the most expensive combination of Annual Contract Expenses reflecting the maximum charges, Annual Fund Expenses and optional benefits available. The "Minimum" example further assumes the least expensive combination of Annual Contract Expenses reflecting the current charges, Annual Fund Expenses and that no optional benefits are selected. Although your actual costs may be higher or lower, based on these assumptions your maximum and minimum costs would be:

Maximum Expenses. These examples assume that you have the Standard ROPP Death Benefit and optional Enhanced Legacy Benefit. Although your actual costs may be higher or lower, based on these assumptions your costs would be: 

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
With a ten-year surrender charge schedule	$10,450	$16,059	$20,855	$33,325	$3,048	$9,322	$15,840	$33,275
With a seven-year surrender charge schedule	9,625	15,386	20,337	34,276	3,149	9,622	16,335	34,226
With a five-year surrender charge schedule	9,720	15,669	16,878	35,218	3,251	9,923	16,828	35,168

Minimum Expenses. These examples assume that you have a non-qualified contract, have elected the Contract Value Death Benefit and do not select any optional benefits. Although your actual costs may be higher, based on these assumptions your costs would be: 

	If you surrender your contract at the end of the applicable time period:				If you do not surrender your contract or if you select an annuity payout plan at the end of the applicable time period:
	1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
With a ten-year surrender charge schedule	$8,834	$11,070	$12,005	$15,348	$1,292	$4,020	$6,955	$15,298
With a seven-year surrender charge schedule	7,993	10,385	11,541	16,484	1,394	4,335	7,491	16,434
With a five-year surrender charge schedule	8,088	10,699	8,075	17,609	1,497	4,649	8,025	17,559

THE EXAMPLES ARE ILLUSTRATIVE ONLY. YOU SHOULD NOT CONSIDER THESE EXAMPLES AS A REPRESENTATION OF PAST OR FUTURE EXPENSES. ACTUAL EXPENSES WILL BE HIGHER OR LOWER THAN THOSE SHOWN DEPENDING UPON WHICH OPTIONAL BENEFIT YOU ELECT OTHER THAN INDICATED IN THE EXAMPLES OR IF YOU ALLOCATE CONTRACT VALUE TO ANY OTHER AVAILABLE SUBACCOUNTS.

Buying the Contract

You may purchase a contract by submitting an application through your financial advisor to our Service Center. You can buy a contract if you are 90 or younger on the date the contract is issued.

Purchase Payments

Purchase payment amounts and purchase payment timing may vary by state and be limited under the terms of the contract. If we do not receive your initial purchase payment within 180 days from the application signed date, we will consider your contract void from the start.

Minimum Initial Purchase Payments* 

Qualified annuities	$5,000
Nonqualified annuities	$10,000

Minimum Additional Purchase Payments

$50

Maximum Purchase Payments** (without our prior approval) based on the contract year and your age on the effective date of the payment: 

Maximum Purchase Payments Per Contract Year
	through age 85	for ages 86 to 90	age 91 or older
For the first contract year	$1,000,000	$100,000	$0
Second contract year and thereafter	$100,000	$50,000	$0

 

Maximum Total Purchase Payments Per Owner (see the Purchase Payment provision)
	through age 85	for ages 86 to 90	age 91 or older
Total Purchase Payments	$1,000,000	$100,000	$100,000

According to Our current administrative practice, the Maximum Purchase Payments may be higher than shown above and may vary by age and contract year. Contact Your advisor or Our Service Center for the current Maximums.

You may make regular payments to your contract under a scheduled payment plan. You must make an initial purchase payment of $5,000 or $ 10,000 depending on the tax qualification. Once the required initial purchase payment amount has been met, you can begin the scheduled payment plan by sending a completed form to the Service Center. Certain qualified plan applications allow the establishment of a scheduled payment plan without meeting the required initial purchase payment amount. Contact your financial advisor for details. There is no charge for the scheduled payment plan. You can stop your scheduled payment plan at any time.

Allocation of Purchase Payments

The contract provides for allocation of purchase payments to the subaccounts of the variable account and/or to the Special DCA fixed account.

Crediting Purchase Payments to Your Account

Initial Purchase Payments. If your application is complete, we will process it and apply your purchase payment to your investment selections within two business days after we receive it at our Service Center. If we accept your application, we will send you a contract. If your application is not complete, you must give us the information to complete it within five business days. If we cannot accept your application within five business days, we will decline it and return your payment unless you specifically ask us to keep the payment and apply it once your application is complete.

Subsequent Purchase Payments. We will credit additional purchase payments you make to your accounts on the valuation date we receive them. If we receive an additional purchase payment at our Service Center before the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the valuation date we received the payment. If we receive an additional purchase payment at our Service Center at or after the close of business, we will credit any portion of that payment allocated to the subaccounts using the accumulation unit value we calculate on the next valuation date after we received the payment.

Making Withdrawals: Accessing the Money in Your Contract

You may surrender all or part of your contract at any time before the annuitization start date. If you make a full surrender you are entitled to receive the surrender value which is the contract value immediately prior to the surrender, minus any applicable charges.

If you surrender all or part of your contract before the annuitization start date, we may deduct a surrender charge. A surrender charge applies if all or part of the surrender amount is from purchase payments, we received within five, seven or ten years before the surrender. You select the surrender charge period at the time of your application for the contract. The surrender charge percentages that apply to you are shown in your contract.
You may surrender an amount during any contract year without a surrender charge. We call this amount the total free amount (FA). Please see "Charges - Surrender Charge" in your prospectus for more information about the FA.

We may ask you to return the contract. You may have to pay a contract administrative charge, surrender charges, or any applicable optional rider charges and federal income taxes and penalties. State and local income taxes may also apply. You cannot make surrenders after the annuitization start date except if you elect an annuity payout plan with guaranteed payouts.

Any partial surrender you take under the contract will reduce your contract value. As a result, the value of your death benefit will be reduced.

In addition, surrenders you are required to take to satisfy the RMDs under the Internal Revenue Code of 1986, as amended may reduce the value of certain death benefits and optional benefits.

Please see "Surrenders" in your prospectus for more information about surrenders.

Requesting a Withdrawal

You can request to surrender all or part of your contract value by sending us a written request or calling us. If we receive your surrender request at our Service Center in good order before the close of the NYSE (4:00pm Eastern time unless the NYSE closes earlier), we will process your surrender using the accumulation unit value we calculate on the valuation date we received your surrender request. If we receive your surrender request at our Service Center in good order at or after the close of the NYSE (4:00pm Eastern time unless the NYSE closes earlier), we will process your surrender using the accumulation unit value we calculate on the next valuation date after we received your surrender request.

Normally, we will send the payment within seven days after receiving your request in good order. However, we may postpone the payment if:

We may also postpone payment of the amount attributable to a purchase payment as part of the total surrender amount until cleared from the originating financial institution.

Benefits Available Under the Contract

The following table summarizes information about the benefits available under the Contract. 

Name of Benefit	Purpose	Maximum Fee	Current Fee	Brief Description of Restrictions/ Limitations
Standard Benefits (no additional charge)
Dollar Cost Averaging	Allows the systematic transfer of a specified dollar amount among the subaccounts	N/A	N/A	•Transfers not available to the Special DCA fixed account
Special Dollar Cost Averaging (SDCA)	Allows the systematic transfer from the Special DCA fixed account to one or more eligible subaccounts	N/A	N/A	•Must be funded with a purchase payment, not transferred contract value •Only 6-month and 12-month options are available •Transfers occur on a monthly basis and the first monthly transfer occurs one day after we receive your purchase payment •You may not use the Special DCA fixed account as a destination for the Special DCA monthly transfer.
Asset Rebalancing	Allows you to have your investments periodically rebalanced among the subaccounts to your pre-selected percentages	N/A	N/A	•You must have $2,000 in Contract Value to participate. •We require 30 days notice for you to change or cancel the program •You can request rebalancing to be done either quarterly, semiannually or annually
Income Guide (no longer available for new enrollments effective July 1, 2026)	Provides reporting and monitoring of withdrawals you take from your annuity	N/A	N/A	•Contract owners must be at least age 50 and no older than age 85 •Available only if the servicing broker-dealer on your contract is Ameriprise Financial Services, LLC •Not available if you are making substantially equal withdrawals •Not available if you have more than one systematic withdrawal program in place •Systematic withdrawals must be set up according to the all the terms of Income Guide •Your contract cannot have any loans
Automated Partial Surrenders	Allows automated partial surrenders from the contract	N/A	N/A	•Additional systematic payments are not allowed with automated partial surrenders •May result in income taxes and IRS penalty on all or a portion of the amounts surrendered
Hospital or Nursing Home Confinement	Allows you to withdraw contract value without a surrender charge	N/A	N/A	•You must be confined to a hospital or nursing home for the prior 60 days or confinement began within 30 days following a 60 day confinement period •You must be under age 76 on the

Appendix A: Investment Options Available Under the Contract

The following is a list of funds available under the contract. More information about the funds is available in the prospectuses for the funds, which may be amended from time to time and can be found online at riversource.com. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to [email protected]. If you elect the Enhanced Legacy Benefit, you may not be able to invest in certain funds. See table below, "Funds Available Under the Enhanced Legacy Benefit".

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

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
			1 Year	5 Year	10 Year
Seeks long-term growth of capital.	AB VPS Large Cap Growth Portfolio (Class B) AllianceBernstein L.P.	0.90%	12.85%	11.76%	15.88%
Seeks long-term growth of capital.	AB VPS Relative Value Portfolio (Class B) AllianceBernstein L.P.	0.85%1	10.20%	11.15%	10.30%
Seeks long-term growth of capital.	AB VPS Sustainable Global Thematic Portfolio (Class B) AllianceBernstein L.P.	1.20%1	6.02%	3.02%	9.80%
Seeks long-term capital appreciation.	Allspring VT Small Cap Growth Fund (Class 2) Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, sub-adviser.	1.16%	9.25%	(0.96%)	9.94%
The Portfolio seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index, the Alerian Midstream Energy Select Index (the "Index").	ALPS | Alerian Energy Infrastructure Portfolio (Class III) ALPS Advisors, Inc.	1.30%	4.66%	22.06%	10.70%
Seeks long-term growth of capital.	BlackRock Advantage SMID Cap V.I. Fund (Class III) BlackRock Advisors, LLC	0.80%1	10.87%	6.77%	10.85%
Seeks high total investment return.	BlackRock Global Allocation V.I. Fund (Class III)2 BlackRock Advisors, LLC, adviser; BlackRock (Singapore) Limited and BlackRock International Limited, subadvisers.	1.01%1	19.42%	5.51%	7.33%
Seeks long-term capital appreciation.	BNY Mellon Sustainable U.S. Equity Portfolio, Inc. (Service Shares) BNY Mellon Investment Adviser, Inc., adviser; Newton Investment Management Limited, subadviser.	0.91%	15.67%	11.65%	13.27%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
			1 Year	5 Year	10 Year
Seeks to provide shareholders with long-term capital growth.	Variable Portfolio - Partners International Growth Fund (Class 2) Columbia Management Investment Advisers LLC, adviser; William Blair Investment Management, LLC and Walter Scott & Partners Limited, subadvisers.	1.08%1	17.50%	1.36%	5.01%
Seeks to provide shareholders with long-term capital growth.	Variable Portfolio - Partners International Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Pzena Investment Management, LLC and Thompson, Siegel & Walmsley LLC, subadvisers.	1.05%1	34.84%	10.14%	6.97%
Seeks to provide shareholders with long-term capital growth.	Variable Portfolio - Partners Small Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Goldman Sachs Asset Management, LP and Segall Bryant & Hamill LLC, subadvisers.	1.10%1	7.86%	0.94%	7.72%
Seeks to provide shareholders with long-term capital appreciation.	Variable Portfolio - Partners Small Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Segall Bryant & Hamill, LLC and William Blair Investment Management, LLC, subadvisers.	1.09%1	7.07%	6.60%	7.06%
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Variable Portfolio - U.S. Flexible Conservative Growth Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC	0.96%	9.22%	3.53%	-
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Variable Portfolio - U.S. Flexible Growth Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC	0.93%	11.07%	7.36%	-
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 2)2,3 Columbia Management Investment Advisers, LLC	0.94%	10.10%	5.46%	-
Seeks to maximize total return.	Western Asset Variable Global High Yield Bond Portfolio (Class II) Franklin Templeton Fund Adviser, LLC, adviser; Western Asset Management Company, LLC, subadviser.	1.06%	9.95%	2.34%	5.09%

Funds Available Under the Enhanced Legacy Benefit

For contracts issued with the Enhanced Legacy Benefit, you are required to invest your contract value in the Portfolio Stabilizer and certain Portfolio Navigator funds listed below:

1. Variable Portfolio - Managed Risk Fund (Class 2)

2. Variable Portfolio - Managed Risk U.S. Fund (Class 2)

3. Variable Portfolio - Managed Volatility Growth Fund (Class 2)

4. Variable Portfolio - Managed Volatility Moderate Growth Fund (Class 2)

5. Variable Portfolio - Managed Volatility Conservative Growth Fund (Class 2)

6. Variable Portfolio - Managed Volatility Conservative Fund (Class 2)

7. Variable Portfolio - U.S. Flexible Growth Fund (Class 2)

8. Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 2)

9. Variable Portfolio - U.S. Flexible Conservative Growth Fund (Class 2)

The Portfolio Navigator funds currently available are:

1. Variable Portfolio - Conservative Portfolio (Class 2)

2. Variable Portfolio - Moderate Conservative Portfolio (Class 2)

3. Variable Portfolio - Moderate Portfolio (Class 2)

4. Variable Portfolio - Moderately Aggressive Portfolio (Class 2)

The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below or terminate existing Fixed Options. We will provide you with written notice before doing so.

 

Name	Term	Contract Issue Year	Guaranteed Minimum Interest Rate*
Special DCA Fixed Account	6 Months	2022	0.25% or 1.00%
		2023	2.95%
		2024	3.00%
		2025	2.65%
		2026	2.40%
Special DCA Fixed Account	1 Year	2022	0.25% or 1.00%
		2023	2.95%
		2024	3.00%
		2025	2.65%
		2026	2.40%

 

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

ISP9109_12_E01_(05/26)

Reports and other information about RiverSource Variable Account 10 are available on the SEC's website at http://www.sec.gov, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].

 

EDGAR Contract Identifier: C000235112

©2008-2026 RiverSource Life Insurance Company. All rights reserved.