Updating Summary Prospectus (Form 497VPU)

RiverSource®

Structured SolutionsSM annuity

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

Issued by:	RiverSource Life Insurance Company (RiverSource Life)
	70100 Ameriprise Financial Center Minneapolis, MN 55474 Telephone: 1-800-862-7919 (Service Center)

Updating Summary Prospectus

May 1, 2026

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

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	5
Updated Information You Should Consider About the Contract	7
Important Information You Should Consider About the Contract	8
Appendix A: Investment Options Available Under the Contract	15

These terms can help you understand details about your Contract.

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

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

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

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

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

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

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

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

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

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

Day. A calendar day, unless specified otherwise.

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

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

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

Good Order. We cannot process Your transaction request relating to the Contract until We have received the request in Good Order at our Service Center. "Good order" means the actual receipt of the transaction request in writing, along with all information, forms and supporting legal documentation necessary to affect the transaction. To be in "Good Order," Your instructions must be sufficiently clear so that We do not need to exercise any discretion to follow such instructions. This information and documentation generally include Your completed request; the Contract number; the transaction amount (in dollars); the names of and allocations to and/or from the Indexed Accounts and the Fixed Account affected by the requested transaction; Social Security Number or Taxpayer Identification Number; and any other information, forms or supporting documentation that We may require. For certain transactions, at Our option, We may require the signature of all Contract Owners for the request to be in Good Order. With respect to purchase requests, "Good Order" also generally includes receipt of sufficient payment by Us to affect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and We reserve the right to change or waive any Good Order requirements at any time.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Updated Information You Should Consider About the Contract

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

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

Appendix A: Investment Options Available Under the Contract

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

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

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

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

** Previously known as S&P 500 ESG.

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

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

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

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

 

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

USP9103_12_E01_(05/26)

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

 

EDGAR Contract Identifier: C000261987

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