Riversource Variable Annuity Account
04/29/2026 | Press release | Distributed by Public on 04/29/2026 12:14
Updating Summary Prospectus (Form 497VPU)
RiverSource®
Signature Select 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 Select 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 Select 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
|
11
|
2 RiverSource Signature Select Variable Annuity - Summary Prospectus
Key Terms
These terms can help you understand details about your contract.
Annuitization start date: The date when annuity payments begin according to the applicable annuity payment plan (referred to as "Retirement date" in the Original Contract). Throughout this prospectus when we use the term "Annuitization start date," it includes the term "Retirement date."
Contingent annuitant (Current Contract): The person who becomes the annuitant when the current annuitant dies prior to the annuitization start date. In the case of joint ownership, one owner must also be the contingent annuitant.
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.
Fixed Account: Part of our general account which includes the regular fixed account and the Special DCA fixed account (Current Contract) or the one-year fixed account and the DCA fixed account (Original Contract). Amounts you allocate to the fixed account earn interest rates we declare periodically.
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 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.
Market Value Adjustment (MVA): A positive or negative adjustment assessed if any portion of a Guarantee Period Account is surrendered or transferred more than 30 days before the end of its guarantee period.
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.
RiverSource Signature Select 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 Select 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.
Both Contracts. If you make an early withdrawal, you may be assessed a
surrender charge of up to 7% of the purchase payment withdrawn. For
example, if you make an early withdrawal, you could pay a surrender charge
of up to $7,000 on a $100,000 investment. This loss will be greater if
there is a negative MVA, taxes, or tax penalties.
A positive or negative MVA is assessed if any portion of a GPA is
surrendered 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 surrender charge, taxes, and tax
penalties.
The following transactions when applied to a GPA, which we refer to as
"early surrenders", 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) surrenders (including full and partial surrenders, systematic
withdrawals, and required minimum distributions), (ii) transfers, and
(iii) annuitization. We will not apply a negative MVA to the payment of the
death benefit. An MVA may increase the death benefit but will not decrease
it.
|
Fee Table and
Examples
Charges and
Adjustments -
Transaction
Expenses -
Surrender Charge
Charges and
Adjustments -
Adjustments -
Market Value
Adjustments
|
||
|
Are There
Transaction
Charges?
|
No. Other than surrender charges and negative MVAs, we do not assess
any transaction charges.
|
|||
RiverSource Signature Select 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 investment options and optional
benefits 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
Expense
Appendix A:
Investment
Options Available
Under the
Contract
|
||
|
Annual Fee
|
Minimum
|
Maximum
|
||
|
Base Contract(1)
(varies death benefit option and size
of Contract value)
|
1.47%
|
1.92%
|
||
|
Fund options
(funds fees and expenses)(2)
|
0.39%
|
2.32%
|
||
|
Optional benefits available for an
additional charge
(for a single optional benefit, if
elected)(3)
|
0.25%
|
1.75%
|
||
|
(1) As a percentage of average daily subaccount value. 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 the greater of Contract Value or applicable
guaranteed benefit amount (varies by optional benefit). The Minimum is a percentage of
Contract value. The Maximum is a percentage of the greater of Contract value or minimum
contract accumulation value (MCAV).
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 surrender charges
and negative MVAs that substantially increase costs.
|
||||
|
Lowest Annual Cost:
$1,658
|
Highest Annual Cost:
$3,934
|
|||
|
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 Select 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 Contracts have surrender charges, which may reduce the value of
your Contract if you withdraw money during surrender charge period.
Surrenders may also reduce or terminate contract guarantees.
•Surrenders may also be subject to taxes and tax penalties.
•Surrenders 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
surrender the value from the current GPA (all subject to applicable
surrender, 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 -
Surrender 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 regular fixed account (Current
Contract), one-year fixed account (Original Contract), 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 Fixed Account
|
||
|
What Are the
Risks Related to
the Insurance
Company?
|
An investment in the Contract is subject to the risks related to us. Any
obligations (including under the under the GPAs and 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 Select Variable Annuity - Summary Prospectus 7
|
RESTRICTIONS
|
Location in
Statutory
Prospectus
|
|||
|
Are There
Restrictions on
Investment
Options?
|
Yes.
•Subject to certain restrictions, you may transfer your Contract value
among the subaccounts without charge at any time before the
annuitization start date, and once per contract year after the
annuitization start date.
•Certain transfers out of the GPAs will be subject to an MVA.
•GPAs, the regular fixed account (Current Contract), and the one-year fixed
account (Original Contract) 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. 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
|
||
8 RiverSource Signature Select Variable Annuity - Summary Prospectus
|
RESTRICTIONS
|
Location in
Statutory
Prospectus
|
|||
|
Are There Any
Restrictions on
Contract
Benefits?
|
Yes.
•Certain optional benefits limit or restrict the investment options you may
select under the Contract. If you later decide you do not want to invest in
those approved investment options, you must request a full surrender.
•Certain optional benefits may limit subsequent purchase payments.
•Withdrawals in excess of the amount allowed under certain optional
benefits may substantially reduce the benefit or even terminate the
benefit.
|
Buying Your
Contract -
Purchase
Payments
Optional
Benefits -
SecureSource
Stages 2 Rider -
Important
SecureSource
Stages 2 Rider
Considerations
Appendix A: Funds
Available Under
the Optional
Benefits Offered
Under the
Contract
Appendix I: GWB
for Life Rider -
Investment
Allocation
Restrictions
Appendix J: GWB
Rider -
Investment
Allocation
Restrictions
Appendix M:
SecureSource
Rider -
Investment
Allocation
Restrictions
Appendix N:
SecureSource 20
Rider -
Investment
Allocation
Restrictions
Appendix O:
SecureSource
Stages Rider -
Investment
Allocation
Restrictions
|
||
RiverSource Signature Select Variable Annuity - Summary Prospectus 9
|
TAXES
|
Location in
Statutory
Prospectus
|
|||
|
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
|
||
10 RiverSource Signature Select 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]. Depending on the optional benefits you choose, and contract application sign date, you may not be able to invest in certain funds. See table below, "Funds Available Under the Optional Benefits Offered Under the Contract".
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 to maximize total
return consistent with
AllianceBernstein's
determination of
reasonable risk.
|
AB VPS Balanced Hedged Allocation
Portfolio (Class B)
AllianceBernstein L.P.
|
0.98%1
|
17.36%
|
5.64%
|
6.74%
|
|
Seeks long-term growth
of capital.
|
AB VPS International Value Portfolio
(Class B)
AllianceBernstein L.P.
|
1.17%1
|
41.27%
|
10.19%
|
6.37%
|
|
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 investment
results that are greater
than the total return
performance of publicly
traded common stocks
of medium-size
domestic companies in
the aggregate, as
represented by the
Standard & Poor's
MidCap 400® Index.
|
BNY Mellon Investment Portfolios, MidCap
Stock Portfolio (Service Shares)
BNY Mellon Investment Adviser, Inc.
|
1.05%1
|
9.81%
|
9.39%
|
8.51%
|
|
Seeks capital
appreciation.
|
BNY Mellon Investment Portfolios,
Technology Growth Portfolio (Service Shares)
BNY Mellon Investment Adviser, Inc.,
adviser; Newton Investment Management
North America, LLC, subadviser.
|
1.07%
|
27.87%
|
8.96%
|
16.97%
|
|
Seeks long-term capital
growth consistent with
the preservation of
capital. Its secondary
goal is current income.
|
BNY Mellon Variable Investment Fund,
Appreciation Portfolio (Service Shares)
BNY Mellon Investment Adviser, Inc.,
adviser; Fayez Sarofim & Co., subadviser.
|
1.10%
|
9.78%
|
9.08%
|
12.63%
|
RiverSource Signature Select 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
|
|||
|
The portfolio is
designed to achieve
positive total return
relative to the
performance of the
Bloomberg Commodity
Index Total Return
("BCOM Index").
|
Cantor Fitzgerald Commodity Return Strategy
Portfolio, (Class 1) (previously Credit Suisse
Trust - Commodity Return Strategy Portfolio
(Class 1))
O'Connor Alternative Investments, LLC
|
1.05%1
|
15.36%
|
10.28%
|
5.59%
|
|
Seeks long-term growth
of capital. Under normal
circumstances, the fund
invests at least 80% of
its assets in equity
securities of companies
with small market
capitalizations and
related investments.
|
ClearBridge Variable Small Cap Growth
Portfolio (Class I)
Franklin Templeton Fund Adviser, LLC,
adviser; ClearBridge Investments, LLC,
subadviser. (Western Asset Management
Company manages the portion of cash and
short-term investments allocated to it.)
|
0.81%
|
9.23%
|
(0.17%)
|
9.38%
|
|
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 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
long-term capital growth.
|
Columbia Variable Portfolio - Emerging
Markets Fund (Class 3)
Columbia Management Investment Advisers,
LLC
|
1.22%1
|
31.02%
|
(1.26%)
|
7.13%
|
|
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%
|
12 RiverSource Signature Select 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 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
total return through
current income and
capital appreciation.
|
Columbia Variable Portfolio - Income
Opportunities Fund (Class 3)
Columbia Management Investment Advisers,
LLC
|
0.77%1
|
8.58%
|
3.76%
|
5.30%
|
|
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
appreciation.
|
Columbia Variable Portfolio - Large Cap Index
Fund (Class 3)
Columbia Management Investment Advisers,
LLC
|
0.38%1
|
17.43%
|
13.98%
|
14.35%
|
|
Seeks to provide
shareholders with
capital appreciation.
|
Columbia Variable Portfolio - Overseas Core
Fund (Class 3)
Columbia Management Investment Advisers,
LLC
|
0.93%
|
38.03%
|
9.05%
|
7.69%
|
|
Seeks to provide
shareholders with
long-term growth of
capital.
|
Columbia Variable Portfolio - Select Large
Cap Value Fund (Class 3)
Columbia Management Investment Advisers,
LLC
|
0.82%
|
28.10%
|
13.46%
|
12.44%
|
|
Seeks to provide
shareholders with
growth of capital.
|
Columbia Variable Portfolio - Select Mid Cap
Growth Fund (Class 3)
Columbia Management Investment Advisers,
LLC
|
0.96%1
|
14.98%
|
7.40%
|
12.03%
|
|
Seeks to provide
shareholders with
long-term growth of
capital.
|
Columbia Variable Portfolio - Select Mid Cap
Value Fund (Class 3)
Columbia Management Investment Advisers,
LLC
|
0.96%1
|
14.01%
|
11.03%
|
10.30%
|
|
Seeks long-term capital
appreciation.
|
Columbia Variable Portfolio - Small Cap
Value Discovery Fund (Class 2) (previously
Columbia Variable Portfolio - Small Cap
Value Fund (Class 2))
Columbia Management Investment Advisers,
LLC
|
1.16%1
|
14.66%
|
12.19%
|
11.20%
|
|
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%
|
RiverSource Signature Select 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
|
|||
|
Non-diversified fund that
seeks to provide
shareholders with total
return that exceeds the
rate of inflation over the
long term.
|
CTIVP® - BlackRock Global Inflation-Linked
Securities Fund (Class 3) (previously CTIVP®
- BlackRock Global Inflation-Protected
Securities Fund (Class 3))
Columbia Management Investment Advisers,
LLC, adviser; BlackRock Financial
Management, Inc., subadviser; BlackRock
International Limited, sub-subadviser.
|
0.75%1
|
3.88%
|
(1.65%)
|
1.82%
|
|
Seeks to provide
shareholders with
long-term capital growth.
|
CTIVP® - Principal Large Cap Growth Fund
(Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Principal Global Investors, LLC,
subadviser.
|
0.70%
|
13.78%
|
10.47%
|
14.66%
|
|
Seeks to provide
shareholders with
long-term growth of
capital.
|
CTIVP® - Victory Sycamore Established Value
Fund (Class 3)
Columbia Management Investment Advisers,
LLC, adviser; Victory Capital Management
Inc., subadviser.
|
0.95%
|
2.12%
|
9.51%
|
10.57%
|
|
Seeks high level of
current income.
|
Eaton Vance VT Floating-Rate Income Fund
(Initial Class)
Eaton Vance Management
|
1.19%
|
3.95%
|
4.64%
|
4.43%
|
|
Seeks long-term capital
appreciation.
|
Fidelity® VIP Contrafund® Portfolio (Service
Class 2)
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.
|
0.79%
|
21.24%
|
15.08%
|
15.49%
|
|
Seeks to achieve capital
appreciation.
|
Fidelity® VIP Growth Portfolio (Service
Class 2)
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.
|
0.80%
|
14.63%
|
13.42%
|
17.16%
|
|
Seeks as high level of
current income as is
consistent with the
preservation of capital.
|
Fidelity® VIP Investment Grade Bond
Portfolio (Service Class 2)
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.
|
0.62%
|
6.93%
|
(0.21%)
|
2.45%
|
14 RiverSource Signature Select 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.
|
Fidelity® VIP Mid Cap Portfolio (Service
Class 2)
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.
|
0.80%
|
11.49%
|
9.83%
|
10.31%
|
|
Seeks long-term growth
of capital.
|
Fidelity® VIP Overseas Portfolio (Service
Class 2)
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.
|
0.97%
|
20.05%
|
6.35%
|
7.66%
|
|
Seeks to maximize
income while
maintaining prospects
for capital appreciation.
Under normal market
conditions, the fund
invests in a diversified
portfolio of equity and
debt securities.
|
Franklin Income VIP Fund (Class 2)
Franklin Advisers, Inc.
|
0.72%
|
12.56%
|
7.66%
|
7.30%
|
|
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 capital
appreciation, with
preservation of capital
as an important
consideration. Under
normal market
conditions, the fund
invests at least 80% of
its net assets in equity
securities of financially
sound companies that
have paid consistently
rising dividends.
|
Franklin Rising Dividends VIP Fund (Class 2)
Franklin Advisers, Inc.
|
0.89%
|
11.80%
|
9.50%
|
12.10%
|
RiverSource Signature Select Variable Annuity - Summary Prospectus 15
|
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
growth. Under normal
market conditions, the
fund invests at least
80% of its net assets in
investments of
small-capitalization and
mid-capitalization
companies.
|
Franklin Small-Mid Cap Growth VIP Fund
(Class 2)
Franklin Advisers, Inc.
|
1.09%
|
2.52%
|
1.03%
|
9.89%
|
|
Seeks long-term capital
appreciation.
|
Goldman Sachs VIT Mid Cap Value Fund
(Institutional Shares)
Goldman Sachs Asset Management, L.P.
|
0.81%1
|
9.39%
|
10.05%
|
10.02%
|
|
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 II Shares)
Invesco Advisers, Inc.
|
1.10%
|
11.39%
|
10.08%
|
14.58%
|
|
Seeks long-term capital
appreciation.
|
Invesco V.I. American Value Fund (Series II
Shares)
Invesco Advisers, Inc.
|
1.14%
|
20.76%
|
17.56%
|
12.01%
|
|
Seeks capital growth
and income through
investments in equity
securities, including
common stocks,
preferred stocks and
securities convertible
into common and
preferred stocks.
|
Invesco V.I. Comstock Fund (Series II
Shares)
Invesco Advisers, Inc.
|
1.00%
|
17.14%
|
15.14%
|
11.67%
|
|
Seeks capital
appreciation.
|
Invesco V.I. Discovery Large Cap Fund
(Series II Shares)
Invesco Advisers, Inc.
|
1.05%1
|
12.53%
|
11.41%
|
13.94%
|
|
Seeks capital
appreciation.
|
Invesco V.I. Discovery Mid Cap Growth Fund
(Series II Shares)
Invesco Advisers, Inc.
|
1.11%
|
4.53%
|
3.64%
|
11.10%
|
|
Seeks long-term growth
of capital.
|
Invesco V.I. EQV International Equity Fund
(Series II Shares)
Invesco Advisers, Inc.
|
1.15%
|
16.23%
|
3.42%
|
5.95%
|
|
Seeks capital
appreciation.
|
Invesco V.I. Global Fund (Series II Shares)
Invesco Advisers, Inc.
|
1.06%
|
15.05%
|
7.01%
|
10.72%
|
|
Seeks total return
|
Invesco V.I. Global Strategic Income Fund
(Series II Shares)
Invesco Advisers, Inc.
|
1.20%1
|
12.75%
|
1.39%
|
2.76%
|
|
Seeks long-term growth
of capital.
|
Invesco V.I. Health Care Fund (Series II
Shares)
Invesco Advisers, Inc.
|
1.24%
|
15.08%
|
3.54%
|
6.31%
|
|
Seeks long-term growth
of capital.
|
Invesco V.I. Main Street Mid Cap Fund®
(Series II Shares)
Invesco Advisers, Inc.
|
1.19%
|
8.96%
|
8.83%
|
9.08%
|
16 RiverSource Signature Select 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 capital
appreciation.
|
Invesco V.I. Main Street Small Cap Fund®
(Series II Shares)
Invesco Advisers, Inc.
|
1.09%
|
8.44%
|
8.07%
|
10.31%
|
|
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%
|
|
The fund pursues
long-term total return
using a strategy that
seeks to protect against
U.S. inflation.
|
LVIP American Century Inflation Protection
Fund (Service Class)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser.
|
0.81%1
|
6.33%
|
0.62%
|
2.61%
|
|
Seeks capital growth.
|
LVIP American Century International Fund
(Service Class)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser.
|
1.10%1
|
15.81%
|
1.71%
|
6.27%
|
|
Seeks long-term capital
growth. Income is a
secondary objective.
|
LVIP American Century Mid Cap Value Fund
(Service Class)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser.
|
1.01%1
|
8.83%
|
8.72%
|
8.96%
|
|
Seeks capital growth.
|
LVIP American Century Ultra® Fund (Service
Class)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser.
|
0.90%1
|
12.67%
|
11.52%
|
17.00%
|
|
Seeks long-term capital
growth. Income is a
secondary objective.
|
LVIP American Century Value Fund (Service
Class)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser.
|
0.86%1
|
15.85%
|
11.47%
|
10.07%
|
|
Seeks capital
appreciation.
|
MFS® Massachusetts Investors Growth
Stock Portfolio (Service Class)
Massachusetts Financial Services Company
|
0.97%1
|
9.61%
|
9.74%
|
13.98%
|
|
Seeks capital
appreciation.
|
MFS® New Discovery Series (Service Class)
Massachusetts Financial Services Company
|
1.12%1
|
12.56%
|
(0.54%)
|
10.46%
|
|
Seeks total return.
|
MFS® Total Return Series (Service Class)
Massachusetts Financial Services Company
|
0.86%1
|
10.92%
|
6.16%
|
7.36%
|
|
Seeks total return.
|
MFS® Utilities Series (Service Class)
Massachusetts Financial Services Company
|
1.03%1
|
14.76%
|
7.38%
|
9.22%
|
|
The Fund seeks
long-term capital growth
by investing primarily in
common stocks and
other equity securities.
|
Morgan Stanley VIF Discovery Portfolio
(Class II Shares)
Morgan Stanley Investment Management
Inc.
|
1.05%1
|
12.44%
|
(5.46%)
|
14.04%
|
|
Seeks maximum real
return, consistent with
preservation of real
capital and prudent
investment
management.
|
PIMCO VIT All Asset Portfolio (Advisor
Class)2
Pacific Investment Management Company
LLC (PIMCO)
|
2.23%1
|
14.19%
|
5.49%
|
6.67%
|
RiverSource Signature Select Variable Annuity - Summary Prospectus 17
|
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 capital
appreciation.
|
Putnam VT Global Health Care Fund
(Class IB Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc., Franklin
Templeton Investment Management Limited
and The Putnam Advisory Company, LLC,
subadvisers.
|
1.00%
|
15.05%
|
7.71%
|
8.36%
|
|
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
appreciation.
|
Putnam VT Small Cap Value Fund (Class IB
Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc. and Franklin
Templeton Investment Management Limited,
subadvisers.
|
1.02%
|
5.27%
|
10.99%
|
9.13%
|
|
Seeks long-term capital
appreciation.
|
Putnam VT Sustainable Leaders Fund
(Class IB Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc. and Franklin
Templeton Investment Management Limited,
subadvisers.
|
0.88%
|
10.69%
|
10.34%
|
14.69%
|
|
Seeks high current
income, consistent with
preservation of capital,
with capital appreciation
as a secondary
consideration. Under
normal market
conditions, the fund
invests at least 80% of
its net assets in debt
securities of any
maturity.
|
Templeton Global Bond VIP Fund (Class 2)
Franklin Advisers, Inc.
|
0.75%1
|
15.73%
|
(0.96%)
|
(0.15%)
|
|
Seeks long-term capital
growth. Under normal
market conditions, the
fund invests
predominantly in equity
securities of companies
located anywhere in the
world, including
developing markets.
|
Templeton Growth VIP Fund (Class 2)
Templeton Global Advisers Limited
|
1.12%1
|
23.83%
|
7.95%
|
7.04%
|
|
Seeks to provide a high
level of total return that
is consistent with an
aggressive level of risk.
|
Variable Portfolio - Aggressive Portfolio
(Class 2)2
Columbia Management Investment Advisers,
LLC
|
1.04%
|
17.63%
|
8.13%
|
9.06%
|
18 RiverSource Signature Select 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 to provide a high
level of total return that
is consistent with an
aggressive level of risk.
|
Variable Portfolio - Aggressive Portfolio
(Class 4)2
Columbia Management Investment Advisers,
LLC
|
1.04%
|
17.63%
|
8.13%
|
9.06%
|
|
Seeks to provide a high
level of total return that
is consistent with a
conservative level of
risk.
|
Variable Portfolio - Conservative Portfolio
(Class 2)2
Columbia Management Investment Advisers,
LLC
|
0.89%1
|
10.21%
|
1.62%
|
3.53%
|
|
Seeks to provide a high
level of total return that
is consistent with a
conservative level of
risk.
|
Variable Portfolio - Conservative Portfolio
(Class 4)2
Columbia Management Investment Advisers,
LLC
|
0.89%1
|
10.21%
|
1.64%
|
3.53%
|
|
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
|
Variable Portfolio - Managed Risk Fund
(Class 2)2,3
Columbia Management Investment Advisers,
LLC
|
1.02%1
|
12.15%
|
4.73%
|
-
|
|
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
|
Variable Portfolio - Managed Risk U.S. Fund
(Class 2)2,3
Columbia Management Investment Advisers,
LLC
|
0.99%
|
9.59%
|
5.64%
|
-
|
|
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
|
Variable Portfolio - Managed Volatility
Conservative Fund (Class 2)2,3
Columbia Management Investment Advisers,
LLC
|
0.95%
|
9.17%
|
1.15%
|
3.33%
|
|
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
|
Variable Portfolio - Managed Volatility
Conservative Growth Fund (Class 2)2,3
Columbia Management Investment Advisers,
LLC
|
0.97%
|
11.02%
|
2.66%
|
4.53%
|
|
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
|
Variable Portfolio - Managed Volatility Growth
Fund (Class 2)2,3
Columbia Management Investment Advisers,
LLC
|
1.01%
|
14.75%
|
5.83%
|
6.95%
|
|
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
|
Variable Portfolio - Managed Volatility
Moderate Growth Fund (Class 2)2,3
Columbia Management Investment Advisers,
LLC
|
0.98%
|
12.87%
|
4.29%
|
5.82%
|
|
Seeks to provide a high
level of total return that
is consistent with a
moderate level of risk.
|
Variable Portfolio - Moderate Portfolio
(Class 2)2
Columbia Management Investment Advisers,
LLC
|
0.96%
|
13.86%
|
4.91%
|
6.42%
|
|
Seeks to provide a high
level of total return that
is consistent with a
moderate level of risk.
|
Variable Portfolio - Moderate Portfolio
(Class 4)2
Columbia Management Investment Advisers,
LLC
|
0.96%
|
13.84%
|
4.92%
|
6.42%
|
RiverSource Signature Select Variable Annuity - Summary Prospectus 19
|
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 a high
level of total return that
is consistent with a
moderately aggressive
level of risk.
|
Variable Portfolio - Moderately Aggressive
Portfolio (Class 2)2
Columbia Management Investment Advisers,
LLC
|
1.00%
|
15.71%
|
6.44%
|
7.71%
|
|
Seeks to provide a high
level of total return that
is consistent with a
moderately aggressive
level of risk.
|
Variable Portfolio - Moderately Aggressive
Portfolio (Class 4)2
Columbia Management Investment Advisers,
LLC
|
1.00%
|
15.68%
|
6.44%
|
7.71%
|
|
Seeks to provide a high
level of total return that
is consistent with a
moderately conservative
level of risk.
|
Variable Portfolio - Moderately Conservative
Portfolio (Class 2)2
Columbia Management Investment Advisers,
LLC
|
0.94%
|
12.10%
|
3.18%
|
4.92%
|
|
Seeks to provide a high
level of total return that
is consistent with a
moderately conservative
level of risk.
|
Variable Portfolio - Moderately Conservative
Portfolio (Class 4)2
Columbia Management Investment Advisers,
LLC
|
0.94%
|
12.13%
|
3.19%
|
4.92%
|
|
Seeks to provide
shareholders with
long-term capital growth.
|
Variable Portfolio - Partners Core Equity Fund
(Class 3)
Columbia Management Investment Advisers,
LLC, adviser; J.P. Morgan Investment
Management Inc. and T. Rowe Price
Associates, Inc., subadvisers.
|
0.81%1
|
13.26%
|
13.18%
|
12.77%
|
|
Seeks to provide
shareholders with
long-term capital
appreciation.
|
Variable Portfolio - Partners Small Cap Value
Fund (Class 3)
Columbia Management Investment Advisers,
LLC, adviser; Segall Bryant & Hamill, LLC
and William Blair Investment Management,
LLC, subadvisers.
|
0.97%1
|
7.21%
|
6.73%
|
7.20%
|
|
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%
|
-
|
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.
2
This Fund is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Fund invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including management fees.
3
This Fund is managed in a way that is intended to minimize volatility of returns. See "Principal Risks of Investing in the Contract."
20 RiverSource Signature Select Variable Annuity - Summary Prospectus
Funds Available Under the Optional Benefits Offered Under the Contract
For contracts issued with the optional living benefit riders, you are required to invest in the Portfolio Navigator or Portfolio Stabilizer funds listed below (See "Portfolio Navigator Program (PN Program) and Portfolio Stabilizer Funds"):
Portfolio Navigator Funds:
1.Variable Portfolio - Aggressive Portfolio (Class 2), (Class 4)
2.Variable Portfolio - Moderately Aggressive Portfolio (Class 2), (Class 4)
3.Variable Portfolio - Moderate Portfolio (Class 2), (Class 4)
4.Variable Portfolio - Moderately Conservative Portfolio (Class 2), (Class 4)
5.Variable Portfolio - Conservative Portfolio (Class 2), (Class 4)
Portfolio Stabilizer Funds:
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 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 table above "Funds Available Under the Optional Benefits Offered Under the Contract." See "The 'Nonunitized' Separate Account and the Guarantee Period Accounts (GPAs)" and "The 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 surrendered 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
|
|
1 Year Guarantee Period Account
|
1 Year
|
0%
|
|
2 Year Guarantee Period Account
|
2 Years
|
0%
|
|
3 Year Guarantee Period Account
|
3 Years
|
0%
|
|
4 Year Guarantee Period Account
|
4 Years
|
0%
|
|
5 Year Guarantee Period Account
|
5 Years
|
0%
|
|
6 Year Guarantee Period Account
|
6 Years
|
0%
|
|
7 Year Guarantee Period Account
|
7 Years
|
0%
|
|
8 Year Guarantee Period Account
|
8 Years
|
0%
|
|
9 Year Guarantee Period Account
|
9 Years
|
0%
|
|
10 Year Guarantee Period Account
|
10 Years
|
0%
|
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.
RiverSource Signature Select Variable Annuity - Summary Prospectus 21
|
Name
|
Term
|
Contract
Issue
Year
|
Minimum
Guaranteed
Interest Rate*
|
|
Regular Fixed Account (Current Contract), One-Year Fixed Account (Original Contract)
|
1 Year
|
2004
|
1.50% or
2.00% or
2.00%/3.00† or
3.00%
|
|
2005
|
1.50% or 2.25%
|
||
|
2006
|
1.50% or 3.00%
|
||
|
2007
|
1.50% or 3.00%
|
||
|
2008
|
3.00%
|
||
|
2009
|
1.50%
|
||
|
2010
|
1.25%
|
||
|
2011
|
1.00%
|
||
|
Special DCA Fixed Account (Current Contract), DCA Fixed Account (Original Contract)
|
6 Months
|
2004
|
1.50% or
2.00% or
2.00%/3.00† or
3.00%
|
|
2005
|
1.50% or 2.25%
|
||
|
2006
|
1.50% or 3.00%
|
||
|
2007
|
1.50% or 3.00%
|
||
|
2008
|
3.00%
|
||
|
2009
|
1.50%
|
||
|
2010
|
1.25%
|
||
|
2011
|
1.00%
|
||
|
Special DCA Fixed Account (Current Contract), DCA Fixed Account (Original Contract)
|
1 Year
|
2004
|
1.50% or
2.00% or
2.00%/3.00† or
3.00%
|
|
2005
|
1.50% or 2.25%
|
||
|
2006
|
1.50% or 3.00%
|
||
|
2007
|
1.50% or 3.00%
|
||
|
2008
|
3.00%
|
||
|
2009
|
1.50%
|
||
|
2010
|
1.25%
|
||
|
2011
|
1.00%
|
*
Minimum guaranteed interest rates vary by Issue State and Issue Date. See your Contract Data Page for your applicable minimum guaranteed interest rate.
†
2.00% for 10 years and 3.00% thereafter
22 RiverSource Signature Select Variable Annuity - Summary Prospectus
This page left blank intentionally
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
70100 Ameriprise Financial Center
Minneapolis, MN 55474
1-800-862-7919
USP9025_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: C000044125; C000267008
©2008-2026 RiverSource Life Insurance Company. All rights reserved.
Riversource Variable Annuity Account published this content on April 29, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 29, 2026 at 18:15 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]