RiverSource Life Insurance Co.

04/29/2026 | Press release | Distributed by Public on 04/29/2026 12:14

Updating Summary Prospectus (Form 497VPU)

RiverSource®
Signature Variable Annuity
Individual Flexible Premium Deferred Combination Fixed/Variable Annuity 
Issued by:
RiverSource Life Insurance Company (RiverSource Life)
829 Ameriprise Financial Center
Minneapolis, MN 55474
Telephone: 1-800-333-3437
(Service Center)
Updating Summary Prospectus
May 1, 2026
The Prospectus for the RiverSource Signature Variable Annuity (the Contract), an individual flexible premium 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.
RiverSource Signature Variable Annuity - Summary Prospectus 1
Contents
 
Key Terms
3
Updated Information You Should Consider About the Contract
4
Important Information You Should Consider About the Contract
5
Appendix A : Investment Options Available Under the Contract
9
2 RiverSource Signature Variable Annuity - Summary Prospectus
Key Terms
These terms can help you understand details about your contract.
Contract: A deferred annuity contract that permits you to accumulate money for retirement by making one or more purchase payments. It provides for lifetime or other forms of payouts beginning at a specified time in the future.
Contract value: The total value of your contract before we deduct any applicable charges.
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.
Guarantee Period Accounts (GPAs): Options to which you may allocate purchase payments or transfer contract value of at least $1,000. These accounts are held in a non-unitized separate account. We periodically declare the guaranteed interest rates for the available guaranteed periods. These guaranteed rates and periods of time may vary by state. Unless an exception applies, transfers or withdrawals 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.
Market Value Adjustment (MVA): A positive or negative adjustment assessed if any portion of a Guarantee Period Account is withdrawn or transferred more than 30 days before the end of its guarantee period.
One-year fixed account: Part of our general account to which you may make allocations. Amounts you allocate to this account earn interest at rates that we declare periodically.
Retirement date: The date when annuity payouts are scheduled to begin.
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.
Variable Account: Refers to the RiverSource Variable Annuity Account, a Separate Account established to hold contract owners' assets allocated to the Subaccounts, each of which invests in a particular Fund.
RiverSource Signature Variable Annuity - Summary Prospectus 3
Updated Information You Should Consider About the Contract
  There have been no changes to the Contract during the applicable time period.
4 RiverSource Signature Variable Annuity - Summary Prospectus
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 withdraw money during the first 7 years from date of each
purchase payment, you may be assessed a withdrawal charge of up to 7%
of the Purchase Payment withdrawn.
For example, if you make an early withdrawal, you could pay a withdrawal
charge of up to $7,000 on a $100,000 investment. This loss will be
greater if you also have to pay a withdrawal charge, taxes, and tax
penalties.
A positive or negative MVA is assessed if any portion of a GPA is withdrawn
or transferred more than thirty days before the end of its guarantee period.
You could lose up to 100% of the amount withdrawn from a GPA as a result
of a negative MVA.
For example, if you allocate $100,000 to a GPA with a 3-year guarantee
period and later withdraw the entire amount before the 3 years have
ended, you could lose up to $100,000 of your investment. This loss will be
greater if you also have to pay a withdrawal charge, taxes, and tax
penalties.
The following transactions when applied to a GPA, which we refer to
as "early withdrawals," are subject to an MVA when they occur more than
30 days prior to the end of the guarantee period, unless an exception
applies: (i) withdrawals (including full and partial withdrawals, systematic
withdrawals, and required minimum distributions), (ii) transfers, and
(iii) annuitization. An MVA may increase the death benefit but will not
decrease it.
Fee Table and
Examples
Charges and
Adjustments -
Transaction
Expenses -
Withdrawal
Charge
Charges and
Adjustments -
Adjustments -
Market Value
Adjustments
Are There
Transaction
Charges?
No. Other than withdrawal charges and negative MVAs, we do not assess
any transaction charges.
RiverSource Signature Variable Annuity - Summary Prospectus 5
FEES, EXPENSES, AND ADJUSTMENTS
Location in
Statutory
Prospectus
Are There Ongoing
Fees and
Expenses?
Yes. The table below describes the current fees and expenses that you
may pay each year, depending on the options you choose. Please refer to
your Contract specifications page for information about the specific fees
you will pay each year based on the options you have elected.
Fee Table and
Examples
Charges and
Adjustments -
Annual Contract
Expenses
Appendix A:
Investment
Options Available
Under the
Contract
Annual Fee
Minimum
Maximum
Base Contract(1)
(varies by size of Contract value)
1.43%
1.43%
Fund options
(funds fees and expenses)(2)
0.51%
1.71%
Optional benefits available for an
additional charge(3)
0.25%
0.35%
(1) As a percentage of average daily contract value in the variable account. Includes the
Mortality and Expense Fee, Variable Account Administrative Charge, and Contract
Administrative Charge.
(2) As a percentage of Fund net assets.
(3) As a percentage of Contract Value or Adjusted Contract Value (varies by optional benefit).
The Minimum is a percentage of Contract Value. The Maximum is a percentage of adjusted
Contract Value.
Because your Contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of owning your Contract,
the following table shows the lowest and highest cost you could pay each
year, based on current charges. This estimate assumes that you do not
take withdrawals from the Contract, which could add withdrawal charges
and negative MVAs that substantially increase costs.
Lowest Annual Cost:
$1,716
Highest Annual Cost:
$2,906
Assumes:
•Investment of $100,000
•5% annual appreciation
•Least expensive combination of
Contract features and Fund fees
and expenses
•No optional benefits
•No additional purchase payments,
transfers or withdrawals
•No sales charge
Assumes:
•Investment of $100,000
•5% annual appreciation
•Most expensive combination of
Contract features, optional
benefits and Fund fees and
expenses
•No sales charge
•No additional purchase payments,
transfers or withdrawals
RISKS
Is There a Risk of
Loss from Poor
Performance?
Yes. You can lose money by investing in this Contract including loss of
principal.
Principal Risks of
Investing in the
Contract
6 RiverSource Signature Variable Annuity - Summary Prospectus
RISKS
Location in
Statutory
Prospectus
Is this a
Short-Term
Investment?
No.
•The Contract is not a short-term investment and is not appropriate for an
investor who needs ready access to cash.
•The Contract has withdrawal charges which may reduce the value of your
Contract if you withdraw money during withdrawal charge period.
Withdrawals may also reduce or terminate contract guarantees.
•Withdrawals may also be subject to taxes and tax penalties.
•Withdrawals from a GPA prior to 30 days before the end of the guarantee
period may also result in a negative MVA. During the 30-day period
ending on the last day of the guarantee period, you may choose to start
a new guarantee period of the same 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
withdraw the value from the current GPA (all subject to applicable
withdrawal, transfer, and annuitization provisions). If we do not receive
any instructions by the end of the guarantee period, we will automatically
transfer the contract value from the current GPA into the shortest GPA
term available.
•The benefits of tax deferral, long-term income, and optional living benefit
guarantees mean the contract is generally more beneficial to investors
with a long term investment horizon.
Principal Risks of
Investing in the
Contract
Charges and
Adjustments -
Transaction
Expenses -
Withdrawal
Charge
Charges and
Adjustments -
Adjustments -
Market Value
Adjustments
What Are the
Risks Associated
with the
Investment
Options?
•An investment in the Contract is subject to the risk of poor investment
performance and can vary depending on the performance of the
investment options available under the Contract.
•Each investment option, including the one-year fixed account and the
Guarantee Period Accounts (GPAs) investment options has its own unique
risks.
•You should review the investment options before making any investment
decisions.
Principal Risks of
Investing in the
Contract
The Variable
Account and the
Funds
The "Nonunitized"
Separate Account
and the Guarantee
Period Accounts
(GPAs)
The One-Year
Fixed Account
What Are the Risk
Related to
Insurance
Company?
An investment in the Contract is subject to the risks related to us. Any
obligations (including under the one-year fixed account) or guarantees and
benefits of the Contract that exceed the assets of the Separate Account
are subject to our claims-paying ability. If we experience financial distress,
we may not be able to meet our obligations to you. More information about
RiverSource Life, including our financial strength ratings, is available by
contacting us at 1-800-862-7919.
Principal Risks of
Investing in the
Contract
The General
Account
RiverSource Signature Variable Annuity - Summary Prospectus 7
RESTRICTIONS
Location in
Statutory
Prospectus
Are There
Restrictions on
the Investment
Options?
Yes.
•Subject to certain restrictions, you may transfer your Contract value
among the subaccounts without charge at any time before the retirement
date and once per contract year after the retirement date.
•Certain transfers out of the GPAs will be subject to an MVA.
•GPAs and the one-year fixed account are subject to certain restrictions.
•We reserve the right to modify, restrict or suspend your transfer
privileges if we determine that your transfer activity constitutes market
timing.
•We reserve the right to add, remove or substitute Funds as investment
options. We also reserve the right, upon notification to you, to close or
restrict any Funds.
Making the Most
of Your Contract -
Transferring
Among Accounts
Substitution of
Investments
Are There Any
Restrictions on
Contract
Benefits?
Yes.
•Guaranteed Minimum Income Benefit Rider may limit allocations to the
subaccounts investing in the Money Market funds.
•Performance Credit Rider may limit allocations to the subaccounts
investing in the Money Market funds, GPAs and one-year fixed account.
Optional
Benefits -
Optional Living
Benefits - GMIB -
Investment
Selection
Optional
Benefits -
Optional Living
Benefits - PCR -
Investment
Selection
TAXES
What Are the
Contract's Tax
Implications?
•Consult with a tax advisor to determine the tax implications of an
investment in and payments and withdrawals received under this
Contract.
•If you purchase the Contract through a tax-qualified plan or individual
retirement account, you do not get any additional tax benefit.
•Earnings under your contract are taxed at ordinary income tax rates
generally when withdrawn. You may have to pay a tax penalty if you take
a withdrawal before age 59½.
Taxes
CONFLICTS OF INTEREST
How Are
Investment
Professionals
Compensated?
Your investment professional may receive compensation for selling this
Contract to you, in the form of commissions, additional cash benefits (e.g.,
bonuses), and non-cash compensation. This financial incentive may
influence your investment professional to recommend this Contract over
another investment for which the investment professional is not
compensated or compensated less.
About the Service
Providers
Should I Exchange
My Contract?
If you already own an annuity or insurance Contract, some investment
professionals may have a financial incentive to offer you a new Contract in
place of the one you own. You should only exchange a Contract you already
own if you determine, after comparing the features, fees, and risks of both
Contracts, that it is better for you to purchase the new Contract rather than
continue to own your existing Contract.
Buying Your
Contract -
Contract
Exchanges
8 RiverSource Signature Variable Annuity - Summary Prospectus
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].
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 Sustainable Global Thematic
Portfolio (Class B)
AllianceBernstein L.P.
1.20%1
6.02%
3.02%
9.80%
Seeks long-term capital
appreciation.
Columbia Variable Portfolio - Acorn Fund
Columbia Management Investment Advisers,
LLC
0.86%1
4.47%
1.02%
8.66%
Seeks long-term capital
appreciation.
Columbia Variable Portfolio - Acorn
International Fund
Columbia Management Investment Advisers,
LLC
1.01%1
12.76%
(1.00%)
4.31%
Seeks maximum total
investment return
through a combination
of capital growth and
current income.
Columbia Variable Portfolio - Balanced Fund
(Class 3)
Columbia Management Investment Advisers,
LLC
0.84%1
13.91%
8.59%
9.59%
Seeks to provide
shareholders with
long-term capital growth.
Columbia Variable Portfolio - Cornerstone
Growth Fund (Class 3) (previously Columbia
Variable Portfolio - Large Cap Growth Fund
(Class 3))
Columbia Management Investment Advisers,
LLC
0.84%
15.98%
13.90%
15.83%
Seeks to provide
shareholders with
capital appreciation.
Columbia Variable Portfolio - Disciplined
Core Fund (Class 3)
Columbia Management Investment Advisers,
LLC
0.81%
14.49%
14.02%
13.45%
Seeks to provide
shareholders with a high
level of current income
and, as a secondary
objective, steady growth
of capital.
Columbia Variable Portfolio - Dividend
Opportunity Fund (Class 3)
Columbia Management Investment Advisers,
LLC
0.78%1
15.68%
11.74%
10.29%
Seeks to provide
shareholders with
maximum current
income consistent with
liquidity and stability of
principal.
Columbia Variable Portfolio - Government
Money Market Fund (Class 3)
Columbia Management Investment Advisers,
LLC
0.47%1
3.84%
2.88%
1.81%
RiverSource Signature Variable Annuity - Summary Prospectus 9
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 high
current income as its
primary objective and,
as its secondary
objective, capital
growth.
Columbia Variable Portfolio - High Yield Bond
Fund (Class 3)
Columbia Management Investment Advisers,
LLC
0.77%1
8.54%
4.03%
5.63%
Seeks to provide
shareholders with a high
level of current income
while attempting to
conserve the value of
the investment for the
longest period of time.
Columbia Variable Portfolio - Intermediate
Bond Fund (Class 3)
Columbia Management Investment Advisers,
LLC
0.66%
9.04%
(0.54%)
2.65%
Seeks to provide
shareholders with
long-term capital growth.
Columbia Variable Portfolio - Select Small
Cap Value Fund (Class 3)
Columbia Management Investment Advisers,
LLC
0.98%1
6.44%
8.80%
8.11%
Seeks to provide
shareholders with
current income as its
primary objective and,
as its secondary
objective, preservation
of capital.
Columbia Variable Portfolio -
U.S. Government Mortgage Fund (Class 3)
Columbia Management Investment Advisers,
LLC
0.58%
9.06%
(0.19%)
1.79%
Seeks high total return
through a combination
of current income and
capital appreciation.
Fidelity® VIP Growth & Income Portfolio
(Service Class)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers.
0.57%
21.39%
15.99%
13.73%
Seeks long-term growth
of capital.
Fidelity® VIP Mid Cap Portfolio (Service
Class)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers.
0.65%
11.66%
10.00%
10.48%
Seeks long-term growth
of capital.
Fidelity® VIP Overseas Portfolio (Service
Class)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited, FIL
Investment Advisers, FIL Investment
Advisers (UK) Limited and FIL Investments
(Japan) Limited, subadvisers.
0.82%
20.28%
6.51%
7.82%
10 RiverSource Signature Variable Annuity - Summary Prospectus
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 high total return.
Under normal market
conditions, the fund
invests at least 80% of
its net assets in
investments of
companies located
anywhere in the world
that operate in the real
estate sector.
Franklin Global Real Estate VIP Fund
(Class 2)
Franklin Templeton Institutional, LLC
1.25%1
7.93%
2.36%
3.03%
Seeks capital
appreciation, with
income as a secondary
goal. Under normal
market conditions, the
fund invests primarily in
U.S. and foreign equity
securities that the
investment manager
believes are
undervalued.
Franklin Mutual Shares VIP Fund (Class 2)
Franklin Mutual Advisers, LLC
0.94%
11.52%
9.20%
7.53%
Seeks long-term growth
of capital.
Goldman Sachs VIT International Equity
Insights Fund (Institutional Shares)
Goldman Sachs Asset Management, L.P.
0.81%1
38.48%
11.08%
8.23%
Seeks long-term growth
of capital.
Goldman Sachs VIT Strategic Growth Fund
(Institutional Shares)
Goldman Sachs Asset Management, L.P.
0.70%1
17.92%
12.75%
16.41%
Seeks long-term growth
of capital and dividend
income.
Goldman Sachs VIT U.S. Equity Insights
Fund (Institutional Shares)
Goldman Sachs Asset Management, L.P.
0.56%1
15.75%
13.81%
13.73%
Non-diversified fund that
seeks capital growth.
Invesco V.I. American Franchise Fund
(Series I Shares)
Invesco Advisers, Inc.
0.85%
11.66%
10.35%
14.87%
Seeks long-term growth
of capital.
Invesco V.I. Core Equity Fund (Series I
Shares)
Invesco Advisers, Inc.
0.80%
16.17%
12.81%
11.73%
Seeks capital
appreciation.
Invesco V.I. Discovery Mid Cap Growth Fund
(Series I Shares)
Invesco Advisers, Inc.
0.86%
4.79%
3.90%
11.38%
Seeks long-term growth
of capital.
Janus Henderson Enterprise Portfolio
(Service Shares)
Janus Henderson Investors US LLC
0.97%
7.41%
7.35%
12.51%
Seeks long-term growth
of capital.
Janus Henderson Global Technology and
Innovation Portfolio (Service Shares)
Janus Henderson Investors US LLC
0.97%
24.84%
13.44%
21.18%
Seeks long-term growth
of capital.
Janus Henderson Overseas Portfolio
(Service Shares)
Janus Henderson Investors US LLC
0.96%
28.58%
9.17%
8.97%
Seeks long-term growth
of capital.
Janus Henderson Research Portfolio
(Service Shares)
Janus Henderson Investors US LLC
1.07%
18.10%
13.83%
15.59%
RiverSource Signature Variable Annuity - Summary Prospectus 11
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 capital
appreciation.
Lazard Retirement International Equity
Portfolio (Service Shares)
Lazard Asset Management, LLC
1.10%1
33.12%
7.95%
6.82%
The investment
objective of the LVIP
Baron Growth
Opportunities Fund (the
"Fund") is to seek
capital appreciation
through long-term
investments in
securities of small
companies with
undervalued assets or
favorable growth
prospects.
LVIP Baron Growth Opportunities Fund
(Service Class)
Lincoln Investment Advisors Corporation,
adviser; BAMCO, Inc., subadviser.
1.15%1
(10.08%)
(0.33%)
8.78%
Seeks to provide high
total return from a
portfolio of selected
equity securities.
LVIP JPMorgan U.S. Equity Fund (Standard
Class)
Lincoln Investment Advisors Corporation,
adviser; J.P. Morgan Investment
Management Inc., subadviser.
0.63%
14.54%
13.69%
14.84%
Seeks capital
appreciation.
MFS® New Discovery Series (Initial Class)
Massachusetts Financial Services Company
0.87%1
12.96%
(0.28%)
10.74%
Seeks capital
appreciation.
MFS® Research Series (Initial Class)
Massachusetts Financial Services Company
0.74%1
12.85%
11.15%
12.93%
Seeks total return.
MFS® Utilities Series (Initial Class)
Massachusetts Financial Services Company
0.78%1
15.01%
7.64%
9.49%
Seeks long-term capital
appreciation.
Putnam VT Emerging Markets Equity Fund
(Class IB Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc., Franklin
Templeton Investment Management Limited
and The Putnam Advisory Company, LLC,
subadvisers.
1.35%1
34.16%
3.75%
7.01%
Seeks capital
appreciation.
Putnam VT International Equity Fund
(Class IB Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc., Franklin
Templeton Investment Management Limited
and The Putnam Advisory Company, LLC,
subadvisers.
1.06%
37.68%
9.28%
8.12%
Seeks capital growth
and current income.
Putnam VT Large Cap Value Fund (Class IB
Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc. and Franklin
Templeton Investment Management Limited,
subadvisers.
0.79%
20.35%
15.38%
13.30%
12 RiverSource Signature Variable Annuity - Summary Prospectus
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. Royce invests
the Fund's assets
primarily in equity
securities of micro-cap
companies, those that
have a market
capitalization not
greater than that of the
largest company in the
Russell Microcap® Index
at the time of its most
recent reconstitution.
Royce Capital Fund - Micro-Cap Portfolio
(Investment Class)
Royce & Associates, LP
1.22%
13.89%
9.17%
10.14%
Seeks long-term growth
of capital. Royce invests
the Fund's assets
primarily in equity
securities of small-cap
companies, those that
have a market
capitalization not
greater than that of the
largest company in the
Russell 2000® Index at
the time of its moRoyce
invests the Fund's
assets primarily in
equity securities of
small-cap companies,
those that have a
market capitalization not
greater than that of the
largest company in the
Russell 2000® Index at
the time of its most
recent reconstitution.
Royce Capital Fund - Small-Cap Portfolio
(Investment Class)
Royce & Associates, LP
1.18%
8.93%
10.66%
7.88%
Seeks long-term capital
growth. Under normal
market conditions, the
fund invests at least
80% of its net assets in
investments of issuers
located outside the
U.S., including those in
emerging markets.
Templeton Foreign VIP Fund (Class 2)
Templeton Investment Counsel, LLC
1.08%1
29.19%
8.25%
5.75%
RiverSource Signature Variable Annuity - Summary Prospectus 13
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 capital
appreciation by
acquiring common
stocks of well-financed
companies (meaning
companies with high
quality assets and
conservative levels of
liabilities) at a discount
to what the Adviser
believes is their intrinsic
value.
Third Avenue VST Third Avenue Value
Portfolio
Third Avenue Management LLC
1.31%1
34.85%
17.68%
9.66%
1
This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee waiver. The Fund's annual expenses reflect temporary fee reductions. Please see the Fund's prospectus for additional information.
14 RiverSource Signature Variable Annuity - Summary Prospectus
The following is a list of investment options that earn fixed interest for a specified term currently available under the Contract. We may change the features of the fixed interest options listed below and terminate existing options. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in certain fixed investment options. See "The 'Nonunitized' Separate Account and the Guarantee Period Accounts (GPAs)" and "The One-Year Fixed Account" in the prospectus for more information about the fixed interest investment options.
Note: A positive or negative MVA is assessed if any portion of a GPA is withdrawn or transferred more than thirty days before the end of its guarantee period. This may result in a significant reduction in your contract value. See "Charges and Adjustments - Adjustments - Market Value Adjustments" in the prospectus for more information about the MVA. 
Name
Term
Minimum
Guaranteed
Interest Rate
2 Year Guarantee Period Account
2 Years
3.00%
3 Year Guarantee Period Account
3 Years
3.00%
4 Year Guarantee Period Account
4 Years
3.00%
5 Year Guarantee Period Account
5 Years
3.00%
6 Year Guarantee Period Account
6 Years
3.00%
7 Year Guarantee Period Account
7 Years
3.00%
8 Year Guarantee Period Account
8 Years
3.00%
9 Year Guarantee Period Account
9 Years
3.00%
10 Year Guarantee Period Account
10 Years
3.00%
 
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.
Note: If amounts are withdrawn from a Fixed Option before the end of its term, we will not apply a contract adjustment.
 
Name
Term
Contract
Issue
Year
Minimum
Guaranteed
Interest Rate
One-Year Fixed Account
1 Year
All
3.00%
Tiered DCA Fixed Account
6 Months
All
3.00%
Tiered DCA Fixed Account
1 Year
All
3.00%
RiverSource Signature Variable Annuity - Summary Prospectus 15
The prospectus and Statement of Additional Information (SAI) include additional information about the Contract. The prospectus and SAI, dated the same date as this summary prospectus, are incorporated by reference. The prospectus and SAI are available, without charge, upon request. For a free copy of the prospectus, SAI, or for more information about the Contract, call us at 1-800-862-7919, visit our website at riversource.com/annuities or write to us at: 70100 Ameriprise Financial Center Minneapolis, MN 55474.
 
RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474
1-800-862-7919
USP9049_12_E01_(05/26)
Reports and other information about RiverSource Variable Annuity Account and 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: C000044124; C000267007
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RiverSource Life Insurance Co. published this content on April 29, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 29, 2026 at 18:14 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]