Item 4. Fee Table [Text Block]

Fee Table and Examples

The following tables describe the fees

expenses

and adjustments

that you will pay when buying, owning,

surrendering, or making withdrawals from

an investment option or from the Certificate.

Please refer to your

Certificate Data page for information about the specific fees you will pay each year based on the options you have

elected.

The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of

certificate account

value is removed from an investment option before the expiration of a specified period.

Adjustments

MVA Maximum Potential Loss

(as a percentage of amount withdrawn from a GPA)

(1)

100%

(1)

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.

The following table describes the fees and expenses that you will pay

each year

during the time that you

own the

certificate

(not including

funds

fees and expenses).

Annual

Certificate

Expenses

Administrative Expenses

Annual certificate administrative charge	Maximum: $ 50	Current: $ 0
Annual certificate administrative charge if your certificate account value equals or exceeds $50,000	Maximum: $ 20	Current: $ 0
Certificate administrative charge at full surrender	Maximum: $ 50	Current: $ 0

Base

Contract

Expenses

(as a percentage of average daily

certificate account value

in the

variable account

)

Mortality and expense risk fee

0.60

The next table shows the minimum and maximum total operating expenses charged by the

funds

that you may pay

periodically during the time that you own the

certificate

. Expenses shown may change over time and may be higher

or lower in the future. A complete list of

funds

available under the

contract

and

certificate

, including their annual

expenses, may be found in Appendix A.

Annual

Fund

Expenses

(1)

Minimum and maximum annual operating expenses for the

funds

(Including management, distribution (12b-1) and/or service fees and other expenses)

(1)

Total Annual Fund Expenses	Minimum(%)	Maximum(%)
(expenses deducted from the Fund assets, including management fees, distribution and/or service (12b-1) fees and other expenses)	0.39	2.32

(1)

Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other

expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service

providers, including us and our affiliates, for administrative and

contract

owner services provided on behalf of the fund. The amount of these

payments will vary by fund and may be significant. See “The

Variable Account

and the

Funds

” for additional information, including potential

conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in

the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select

subaccount

investing in

funds

that have adopted 12b-1

plan

s than if you select

subaccount

s investing in

funds

that have not adopted 12b-1

plan

s. For a

more complete description of each

fund’s

fees and expenses and important disclosure regarding payments the fund and/or its affiliates make,

please review the

fund’s

prospectus and SAI.

Transactions Subject to Contract Adjustment, Fee Table [Text Block]

The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of

certificate account

value is removed from an investment option before the expiration of a specified period.

Adjustments

MVA Maximum Potential Loss

(as a percentage of amount withdrawn from a GPA)

(1)

100%

(1)

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.

Annual Contract Expenses [Table Text Block]

The following table describes the fees and expenses that you will pay

each year

during the time that you

own the

certificate

(not including

funds

fees and expenses).

Annual

Certificate

Expenses

Administrative Expenses

Annual certificate administrative charge	Maximum: $ 50	Current: $ 0
Annual certificate administrative charge if your certificate account value equals or exceeds $50,000	Maximum: $ 20	Current: $ 0
Certificate administrative charge at full surrender	Maximum: $ 50	Current: $ 0

Base

Contract

Expenses

(as a percentage of average daily

certificate account value

in the

variable account

)

Mortality and expense risk fee

0.60

Administrative Expense, Maximum [Dollars]

$ 50

Administrative Expense, Current [Dollars]

$ 0

Base Contract Expense (of Average Account Value), Current [Percent]

0.60%

Annual Portfolio Company Expenses [Table Text Block]

Annual

Fund

Expenses

(1)

Minimum and maximum annual operating expenses for the

funds

(Including management, distribution (12b-1) and/or service fees and other expenses)

(1)

Total Annual Fund Expenses	Minimum(%)	Maximum(%)
(expenses deducted from the Fund assets, including management fees, distribution and/or service (12b-1) fees and other expenses)	0.39	2.32

(1)

Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other

expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service

providers, including us and our affiliates, for administrative and

contract

owner services provided on behalf of the fund. The amount of these

payments will vary by fund and may be significant. See “The

Variable Account

and the

Funds

” for additional information, including potential

conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in

the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select

subaccount

investing in

funds

that have adopted 12b-1

plan

s than if you select

subaccount

s investing in

funds

that have not adopted 12b-1

plan

s. For a

more complete description of each

fund’s

fees and expenses and important disclosure regarding payments the fund and/or its affiliates make,

please review the

fund’s

prospectus and SAI.

Portfolio Company Expenses [Text Block]

(expenses deducted from the Fund assets, including management fees, distribution and/or service

(12b-1) fees and other expenses)

Portfolio Company Expenses Minimum [Percent]

0.39%

Portfolio Company Expenses Maximum [Percent]

2.32%

Portfolio Company Expenses, Footnotes [Text Block]

Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other

expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service

providers, including us and our affiliates, for administrative and

contract

owner services provided on behalf of the fund. The amount of these

payments will vary by fund and may be significant. See “The

Variable Account

and the

Funds

” for additional information, including potential

conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in

the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select

subaccount

investing in

funds

that have adopted 12b-1

plan

s than if you select

subaccount

s investing in

funds

that have not adopted 12b-1

plan

s. For a

more complete description of each

fund’s

fees and expenses and important disclosure regarding payments the fund and/or its affiliates make,

please review the

fund’s

prospectus and SAI.

Surrender Example [Table Text Block]

Examples

These examples are intended to help you compare the cost of investing in a

certificate

account with the

cost

investing in other variable annuity

contracts

. These costs include Annual

Contract

Expenses and Annual Fund

expenses.

The examples assume all certificate account value is allocated to the subaccounts. The examples do not reflect the

MVA that only applies to GPAs. Your costs could differ from those shown below if you invest in the GPAs or fixed

account investment options.

These examples assume that you invest $100,000 in the

certificate

account for the time periods indicated. These

examples also assume that your investment has a 5% return each year. The “Maximum” example further assumes

the most expensive combination of Annual

Contract

Expenses and Annual Fund Expenses. The “Minimum” example

further assumes the least expensive combination of Annual

Contract

Expenses and Annual Fund Expenses. Although

your actual costs may be higher or lower, based on these assumptions your maximum and minimum costs would be:

Maximum Expenses.

These examples assume the most expensive combination of

certificate

features and benefits and

the maximum fees and expenses of any of the

funds

before fee waivers and/or expense reimbursements. Although your

actual costs may be lower, based on these assumptions your costs would be:

If you surrender your certificate account at the end of the applicable time period:				If you do not surrender your certificate account or if you select an annuity payout plan at the end of the applicable time period:
1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
$ 3,043	$ 9,306	$ 15,813	$ 33,212	$ 3,043	$ 9,306	$ 15,813	$ 33,212

Minimum Expenses.

These examples assume the least expensive combination of

certificate

features and benefits and

the minimum fees and expenses of any of the

funds

before fee waivers and/or expense reimbursements. Although your

actual costs may be higher, based on these assumptions your costs would be:

If you surrender your certificate account at the end of the applicable time period:				If you do not surrender your certificate account or if you select an annuity payout plan at the end of the applicable time period:
1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
$ 1,015	$ 3,167	$ 5,495	$ 12,175	$ 1,015	$ 3,167	$ 5,495	$ 12,175

Surrender Expense, 1 Year, Maximum [Dollars]

$ 3,043

Surrender Expense, 1 Year, Minimum [Dollars]

1,015

Surrender Expense, 3 Years, Maximum [Dollars]

9,306

Surrender Expense, 3 Years, Minimum [Dollars]

3,167

Surrender Expense, 5 Years, Maximum [Dollars]

15,813

Surrender Expense, 5 Years, Minimum [Dollars]

5,495

Surrender Expense, 10 Years, Maximum [Dollars]

33,212

Surrender Expense, 10 Years, Minimum [Dollars]

$ 12,175

Annuitize Example [Table Text Block]

Examples

These examples are intended to help you compare the cost of investing in a

certificate

account with the

cost

investing in other variable annuity

contracts

. These costs include Annual

Contract

Expenses and Annual Fund

expenses.

The examples assume all certificate account value is allocated to the subaccounts. The examples do not reflect the

MVA that only applies to GPAs. Your costs could differ from those shown below if you invest in the GPAs or fixed

account investment options.

These examples assume that you invest $100,000 in the

certificate

account for the time periods indicated. These

examples also assume that your investment has a 5% return each year. The “Maximum” example further assumes

the most expensive combination of Annual

Contract

Expenses and Annual Fund Expenses. The “Minimum” example

further assumes the least expensive combination of Annual

Contract

Expenses and Annual Fund Expenses. Although

your actual costs may be higher or lower, based on these assumptions your maximum and minimum costs would be:

Maximum Expenses.

These examples assume the most expensive combination of

certificate

features and benefits and

the maximum fees and expenses of any of the

funds

before fee waivers and/or expense reimbursements. Although your

actual costs may be lower, based on these assumptions your costs would be:

If you surrender your certificate account at the end of the applicable time period:				If you do not surrender your certificate account or if you select an annuity payout plan at the end of the applicable time period:
1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
$ 3,043	$ 9,306	$ 15,813	$ 33,212	$ 3,043	$ 9,306	$ 15,813	$ 33,212

Minimum Expenses.

These examples assume the least expensive combination of

certificate

features and benefits and

the minimum fees and expenses of any of the

funds

before fee waivers and/or expense reimbursements. Although your

actual costs may be higher, based on these assumptions your costs would be:

If you surrender your certificate account at the end of the applicable time period:				If you do not surrender your certificate account or if you select an annuity payout plan at the end of the applicable time period:
1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
$ 1,015	$ 3,167	$ 5,495	$ 12,175	$ 1,015	$ 3,167	$ 5,495	$ 12,175

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 3,043

Annuitized Expense, 1 Year, Minimum [Dollars]

1,015

Annuitized Expense, 3 Years, Maximum [Dollars]

9,306

Annuitized Expense, 3 Years, Minimum [Dollars]

3,167

Annuitized Expense, 5 Years, Maximum [Dollars]

15,813

Annuitized Expense, 5 Years, Minimum [Dollars]

5,495

Annuitized Expense, 10 Years, Maximum [Dollars]

33,212

Annuitized Expense, 10 Years, Minimum [Dollars]

$ 12,175

No Surrender Example [Table Text Block]

Examples

These examples are intended to help you compare the cost of investing in a

certificate

account with the

cost

investing in other variable annuity

contracts

. These costs include Annual

Contract

Expenses and Annual Fund

expenses.

The examples assume all certificate account value is allocated to the subaccounts. The examples do not reflect the

MVA that only applies to GPAs. Your costs could differ from those shown below if you invest in the GPAs or fixed

account investment options.

These examples assume that you invest $100,000 in the

certificate

account for the time periods indicated. These

examples also assume that your investment has a 5% return each year. The “Maximum” example further assumes

the most expensive combination of Annual

Contract

Expenses and Annual Fund Expenses. The “Minimum” example

further assumes the least expensive combination of Annual

Contract

Expenses and Annual Fund Expenses. Although

your actual costs may be higher or lower, based on these assumptions your maximum and minimum costs would be:

Maximum Expenses.

These examples assume the most expensive combination of

certificate

features and benefits and

the maximum fees and expenses of any of the

funds

before fee waivers and/or expense reimbursements. Although your

actual costs may be lower, based on these assumptions your costs would be:

If you surrender your certificate account at the end of the applicable time period:				If you do not surrender your certificate account or if you select an annuity payout plan at the end of the applicable time period:
1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
$ 3,043	$ 9,306	$ 15,813	$ 33,212	$ 3,043	$ 9,306	$ 15,813	$ 33,212

Minimum Expenses.

These examples assume the least expensive combination of

certificate

features and benefits and

the minimum fees and expenses of any of the

funds

before fee waivers and/or expense reimbursements. Although your

actual costs may be higher, based on these assumptions your costs would be:

If you surrender your certificate account at the end of the applicable time period:				If you do not surrender your certificate account or if you select an annuity payout plan at the end of the applicable time period:
1 year	3 years	5 years	10 years	1 year	3 years	5 years	10 years
$ 1,015	$ 3,167	$ 5,495	$ 12,175	$ 1,015	$ 3,167	$ 5,495	$ 12,175

No Surrender Expense, 1 Year, Maximum [Dollars]

$ 3,043

No Surrender Expense, 1 Year, Minimum [Dollars]

1,015

No Surrender Expense, 3 Years, Maximum [Dollars]

9,306

No Surrender Expense, 3 Years, Minimum [Dollars]

3,167

No Surrender Expense, 5 Years, Maximum [Dollars]

15,813

No Surrender Expense, 5 Years, Minimum [Dollars]

5,495

No Surrender Expense, 10 Years, Maximum [Dollars]

33,212

No Surrender Expense, 10 Years, Minimum [Dollars]

$ 12,175

Item 5. Principal Risks [Line Items]

Item 5. Principal Risks [Table Text Block]

Principal Risks of Investing in the

Contract

and

Certificate

Risk of Loss.

Variable annuities involve risks, including possible loss of principal. Your losses could be significant. This

certificate is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This certificate is not federally

insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.

Short-Term Investment Risk.

This contract is not designed for short-term investing and may not be appropriate for an

investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this contract is

more beneficial to investors with a long-term investment horizon.

Withdrawal Risk.

You should carefully consider the risks associated with withdrawals under the contract. If you make a

withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax.

A positive or

negative MVA is assessed if any portion of a Guarantee Period Account is surrendered or transferred more than thirty

days before the end of its guarantee period. You could lose up to 100% of your investment in a GPA as a result of a

negative MVA.

A withdrawal may reduce the value of your death benefit. A total withdrawal (surrender) will result in the

termination of your certificate.

Subaccount Risk.

Amounts that you invest in the subaccounts are subject to the risk of poor investment performance.

You assume the investment risk. Generally, if the subaccounts that you select make money, your

certificate account

value goes up, and if they lose money, your certificate account value goes down. Each subaccount’s performance

depends on the performance of its underlying Fund. Each underlying Fund has its own investment risks, and you are

exposed to the Fund’s investment risks when you invest in a subaccount.

You are responsible for selecting subaccounts

that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk

tolerance. For risks associated with any Fixed Account options, see Financial Strength and Claims-Paying Ability Risk

below.

GPA Risk.

Each GPA pays an interest rate declared by us when you make an allocation to that account and is fixed for

the guarantee period you choose. We will periodically change the declared interest rate for future allocations to these

accounts at our discretion based, in part, on various factors including, but not limited to, the interest rate environment,

returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource

Life annuities, product design, competition, and RiverSource Life's revenues and expenses.

We guarantee the certificate account value allocated to the GPAs, including interest credited, if you do not make any

transfers or surrenders from the GPA prior to 30 days before the end of the guarantee period. At all other times, and

unless an exception applies, we will apply a MVA if you surrender or transfer certificate account value from a GPA or you

elect an annuity payout plan while you have certificate account value invested in a GPA. The MVA may be negative,

positive or result in no change depending on how the guaranteed interest rate on your GPA compares to the new interest

rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. You bear the risk of

loss of principal due to a negative MVA. Partial surrenders will reduce certain death benefits proportionally based on the

percentage of certificate account value that is withdrawn and if you request a partial surrender from the GPAs that will

give you the net amount you requested after we apply any applicable MVA and certificate administrative charge, a

negative MVA will increase the impact of the partial surrender on the value of the death benefit.

Managed Volatility Fund Risk.

The Portfolio Stabilizer funds are managed volatility funds that employ a strategy

designed to reduce overall volatility and downside risk. These risk management techniques help us manage our financial

risks associated with the certificate’s guarantees, because they reduce the incidence of extreme outcomes including

the probability of large gains or losses. However, these strategies can also limit your participation in rising equity

markets, which may limit the potential growth of your certificate account value and may therefore conflict with your

personal investment objectives. Certain Funds advised by our affiliate, Columbia Management, employ such risk

management strategies. Costs associated with running a managed volatility strategy may also adversely impact the

performance of managed volatility funds.

Purchase Payment Risk.

Your ability to make subsequent purchase payments is subject to restrictions. Also, our prior

approval may be required before accepting certain purchase payments. We reserve the right to limit certain annuity

features (for example, investment options) if prior approval is required. There is no guarantee that you will always be

permitted to make purchase payments.

Certificate Changes Risk.

We reserve the right to make certain changes in the future, subject to applicable law. During

the annuity payout period, we reserve the right to limit the number of subaccounts in which you may invest. We reserve

the right to add, remove or substitute approved investment options at any time and in our sole discretion. We reserve

the right to close or restrict approved investment options in our sole discretion.

Financial Strength and Claims-Paying Ability Risk.

All guarantees under the contract and certificate that are paid from

our general account (including under any Fixed Account option) are subject to our financial strength and claims-paying

ability. If we experience financial distress, we may not be able to meet our obligations to you.

Cybersecurity Risk.

Increasingly, businesses are dependent on the continuity, security, and effective operation of

various technology systems. The nature of our business depends on the continued effective operation of our systems

and those of our business partners.

This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks

may include the following:

•

the corruption or destruction of data;

•

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

•

denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we

use to run them.

These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct

transactions on your contract, or your ability to receive timely service from us.

The risk of cyberattacks may be higher

during periods of geopolitical turmoil. There can be no assurance that we, the underlying funds in your contract, or our

other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information

security breaches.

Potential Adverse Tax Consequences.

Tax considerations vary by individual facts and circumstances. Tax rules may

change without notice. Generally, Earnings under your contract are taxed at ordinary income tax rates when withdrawn.

You may have to pay a tax penalty if you take a withdrawal before age 59 ½. If you purchase a qualified annuity to fund

a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what

is provided in that retirement plan. Consult a tax professional.

Early Withdrawal Risk [Line Items]

Risk, Maximum Loss Resulting from Negative Contract Adjustment [Percent]

100.00%

Fixed Option Details, Interest Crediting [Line Items]

Fixed Option Details, Investor Reallocation [Text Block]

Alternatively, you may allocate your purchase payment to any combination of the following which equals one hundred

percent of the amount you invest:

•

the Special DCA fixed account for a six month term;

•

the Special DCA fixed account for a twelve month term;

•

the GPAs and/or the subaccounts, subject to investment minimums and other restrictions we may impose on

investments in the GPAs.

Once you establish a Special DCA fixed account, you cannot allocate additional purchase payments to it. However, you

may establish another Special DCA fixed account and allocate new purchase payments to it.

Item 7. Charges and Adjustments [Line Items]

Contract Adjustment [Table Text Block]

MVA Maximum Potential Loss

(as a percentage of amount withdrawn from a GPA)

Contract Adjustment, Applicable Period [Text Block]

We guarantee the

certificate account

value allocated to the GPAs, including interest credited, if you do not make any

transfers or

surrenders

from the GPAs prior to 30 days before the end of the guarantee period.

Contract Adjustment, Applicable Transaction [Text Block]

We guarantee the

certificate account

value allocated to the GPAs, including interest credited, if you do not make any

transfers or

surrenders

from the GPAs prior to 30 days before the end of the guarantee period.

At all other times, and

unless one of the exceptions described below applies, we will apply an MVA if you make certain transactions while you

have

certificate account

value invested in a GPA.

Contract Adjustment, Negative Effect Could be Greater than Value Withdrawn [Text Block]

The application of an MVA may result in either a gain or loss. You could lose up to

100

% of the amount

surrendered

a result of a negative MVA.

Contract Adjustment, Impact of Adjustment on Interest Credited [Text Block]

When you request an early

surrender

, we adjust the early

surrender

amount by an MVA formula. The MVA is sensitive to

changes in current interest rates. The MVA, which can be zero, positive or negative, reflects the relationship between

the guaranteed interest rate that applies to the GPA from which you are taking an early

surrender

and the interest rate

we are then currently crediting on new GPAs that mature at the same time. The magnitude of any applicable MVA will

depend on the difference in these current guaranteed interest rates at the time of the early

surrender

corresponding to

the time remaining in your guarantee period and your guaranteed interest rate.

Contract Adjustment, Relationship to Other Charges [Text Block]

If interest rates have increased, the MVA

will generally be negative and the early

surrender

amount will be less; if interest rates have decreased, the MVA will

generally be positive and the early

surrender

amount will be increased. This is summarized in the following table:

If your GPA rate is:	The MVA is:
Less than the new GPA rate + 0.10%	Negative
Equal to the new GPA rate + 0.10%	Zero
Greater than the new GPA rate + 0.10%	Positive

The precise MVA formula we apply is as follows:

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

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

Contract Adjustment, Purpose [Text Block]

Certificate administrative

charges applicable to your contract

may also apply to an early

surrender

. As noted above, we

do not apply MVAs to the amounts we deduct for fees and charges

. Please note that when you request an early

surrender

, we

surrender

an amount from your GPA that will give you the net amount you requested after we apply the

MVA

and any applicable certificate administrative charge,

unless you request otherwise.

Contact our Service Center at the number listed on the cover page of this prospectus for a quote of the impact an early

surrender

would have on your

certificate account

value.

Values fluctuate daily and the actual MVA applied at the time an

early

surrender

is processed may be more or less than the values quoted at the time of your call.

Additional information

about MVAs, including MVA examples, is located in the Statement of Additional Information (“SAI”).

The MVA is intended to protect us from losses on the investments we hold to support our guaranteed interest rates

when we must pay out amounts that are removed from the GPAs early.

Contract Adjustment, Obtaining Current Value of an Adjustment [Text Block]

Contact our Service Center at the number listed on the cover page of this prospectus for a quote of the impact an early

surrender

would have on your

certificate account

value.

Contract Adjustment, Current Value of an Adjustment Fluctuates [Text Block]

Values fluctuate daily and the actual MVA applied at the time an

early

surrender

is processed may be more or less than the values quoted at the time of your call.

Benefits Available (N-4) [Text Block]

Benefits Available Under the

Contract

and

Certificate

The following table summarizes information about the benefits available under the

Certificate

Name of Benefit	Purpose	Maximum Fee	Current Fee	Brief Description of Restrictions/ Limitations
Standard Benefits
Dollar Cost Averaging	Allows the systematic transfer of a specified dollar amount among the subaccount s	N/A	N/A	• Transfers not available to or from the GPAs or the Special DCA fixed account
Special Dollar Cost Averaging (SDCA)	Allows the systematic transfer from the Special DCA fixed account to one or more eligible subaccount s	N/A	N/A	• Must be funded with a purchase payment, not transferred certificate account value • Only 6-month and 12-month options may be available • Transfers occur on a monthly basis and the first monthly transfer occurs one day after we receive your purchase payment • You may not use the GPA account or the Special DCA fixed account as a destination for the Special DCA monthly transfer.
Asset Rebalancing	Allows you to have your investments periodically rebalanced among the subaccount s to your pre-selected percentages	N/A	N/A	• You must have $2,000 in Certificate account value to participate. • We require 30 days notice for you to change or cancel the program • You can request rebalancing to be done either quarterly, semiannually or annually
Automated Partial Surrenders/ Systematic Withdrawals	Allows automated partial surrenders from the contract	N/A	N/A	• Additional systematic payments are not allowed with automated partial surrenders • May result in income taxes and IRS penalty on all or a portion of the amounts surrendered
Standard Death Benefit (available for certificate owners age 79 and younger)	Provides a guaranteed death benefit equal to the greater of the certificate account value , minus any loan balance, or the Return of Purchase Payment Value (ROPP), minus any loan balance	0.60% of average daily certificate account value in the variable account value	0.60%	• Withdrawals will proportionately reduce the benefit, which means your benefit could be reduced by more than the dollar amount of your withdrawals, and such reductions could be significant • Annuitizing the Certificate terminates the benefit.
Standard Death Benefit (available for certificate owners age 80 and older)	Provides a guaranteed death benefit equal to the certificate account value , minus any loan balance	0.60% of average daily certificate account value in the variable account value	0.60%	• Annuitizing the Certificate terminates the benefit.

Benefits Available [Table Text Block]

The following table summarizes information about the benefits available under the

Certificate

Name of Benefit	Purpose	Maximum Fee	Current Fee	Brief Description of Restrictions/ Limitations
Standard Benefits
Dollar Cost Averaging	Allows the systematic transfer of a specified dollar amount among the subaccount s	N/A	N/A	• Transfers not available to or from the GPAs or the Special DCA fixed account
Special Dollar Cost Averaging (SDCA)	Allows the systematic transfer from the Special DCA fixed account to one or more eligible subaccount s	N/A	N/A	• Must be funded with a purchase payment, not transferred certificate account value • Only 6-month and 12-month options may be available • Transfers occur on a monthly basis and the first monthly transfer occurs one day after we receive your purchase payment • You may not use the GPA account or the Special DCA fixed account as a destination for the Special DCA monthly transfer.
Asset Rebalancing	Allows you to have your investments periodically rebalanced among the subaccount s to your pre-selected percentages	N/A	N/A	• You must have $2,000 in Certificate account value to participate. • We require 30 days notice for you to change or cancel the program • You can request rebalancing to be done either quarterly, semiannually or annually
Automated Partial Surrenders/ Systematic Withdrawals	Allows automated partial surrenders from the contract	N/A	N/A	• Additional systematic payments are not allowed with automated partial surrenders • May result in income taxes and IRS penalty on all or a portion of the amounts surrendered
Standard Death Benefit (available for certificate owners age 79 and younger)	Provides a guaranteed death benefit equal to the greater of the certificate account value , minus any loan balance, or the Return of Purchase Payment Value (ROPP), minus any loan balance	0.60% of average daily certificate account value in the variable account value	0.60%	• Withdrawals will proportionately reduce the benefit, which means your benefit could be reduced by more than the dollar amount of your withdrawals, and such reductions could be significant • Annuitizing the Certificate terminates the benefit.
Standard Death Benefit (available for certificate owners age 80 and older)	Provides a guaranteed death benefit equal to the certificate account value , minus any loan balance	0.60% of average daily certificate account value in the variable account value	0.60%	• Annuitizing the Certificate terminates the benefit.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix

: Investment Options Available Under the

Contract

and

Certificate

The following is a list of

funds

available under the

contract

and

certificate

. 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 riversource.annuityservice@ampf.com.

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.

Prospectuses Available [Text Block]

The following is a list of

funds

available under the

contract

and

certificate

. 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 riversource.annuityservice@ampf.com.

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.

Portfolio Companies [Table Text Block]

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025 )
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
Seeks to maximize total return consistent with AllianceBernstein's determination of reasonable risk.	AB VPS Dynamic Asset Allocation Portfolio (Class B) 1 AllianceBernstein L.P.	1.10% 2	13.21%	4.74%	5.25%
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 capital appreciation.	Allspring VT Opportunity Fund (Class 2) Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, subadviser.	1.00% 2	6.71%	8.94%	11.85%
Seeks long-term capital appreciation.	Allspring VT Small Cap Growth Fund (Class 2) Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, subadviser.	1.16%	9.25%	(0.96%)	9.94%
The Portfolio seeks investment results that correspond (before fees and expenses) generally to the price and yield performance of its underlying index, the Alerian Midstream Energy Select Index (the "Index").	ALPS \| Alerian Energy Infrastructure Portfolio (Class III) ALPS Advisors, Inc.	1.30%	4.66%	22.06%	10.70%
Seeks high total investment return.	BlackRock Global Allocation V.I. Fund (Class III) 3 BlackRock Advisors, LLC, adviser; BlackRock (Singapore) Limited, subadviser.	1.01% 2	19.42%	5.51%	7.33%
Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Variable Portfolio - Balanced Fund (Class 2) (available for contract applications signed on or after 5/3/2021) Columbia Management Investment Advisers, LLC	0.96% 2	13.75%	8.45%	9.48%
Seeks maximum total investment return through a combination of capital growth and current income.	Columbia Variable Portfolio - Balanced Fund (Class 3) (available for contract applications signed prior to 5/3/2021) Columbia Management Investment Advisers, LLC	0.84% 2	13.91%	8.59%	9.59%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
Seeks to provide shareholders with total return.	Columbia Variable Portfolio - Commodity Strategy Fund (Class 2) Columbia Management Investment Advisers, LLC	0.98% 2	15.30%	12.44%	6.46%
Seeks total return, consisting of long-term capital appreciation and current income.	Columbia Variable Portfolio - Contrarian Core Fund (Class 2) Columbia Management Investment Advisers, LLC	0.95% 2	17.35%	13.89%	14.03%
Seeks to provide shareholders with long-term capital growth.	Columbia Variable Portfolio - Cornerstone Growth Fund (Class 2) (previously Columbia Variable Portfolio - Large Cap Growth Fund (Class 2)) Columbia Management Investment Advisers, LLC	0.96%	15.85%	13.75%	15.69%
Seeks to provide shareholders with capital appreciation.	Columbia Variable Portfolio - Disciplined Core Fund (Class 2) Columbia Management Investment Advisers, LLC	0.93%	14.35%	13.87%	13.31%
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 2) Columbia Management Investment Advisers, LLC	0.90% 2	15.56%	11.60%	10.15%
Non-diversified fund that seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.	Columbia Variable Portfolio - Emerging Markets Bond Fund (Class 2) Columbia Management Investment Advisers, LLC	0.98%	12.65%	1.47%	4.03%
Seeks to provide shareholders with long-term capital growth.	Columbia Variable Portfolio - Emerging Markets Fund (Class 2) Columbia Management Investment Advisers, LLC	1.34% 2	30.87%	(1.37%)	7.00%
Seeks to provide shareholders with maximum current income consistent with liquidity and stability of principal.	Columbia Variable Portfolio - Government Money Market Fund (Class 2) Columbia Management Investment Advisers, LLC	0.59% 2	3.71%	2.79%	1.72%
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 2) Columbia Management Investment Advisers, LLC	0.89% 2	8.49%	3.93%	5.51%
Seeks to provide shareholders with a high total return through current income and capital appreciation.	Columbia Variable Portfolio - Income Opportunities Fund (Class 2) Columbia Management Investment Advisers, LLC	0.89% 2	8.43%	3.60%	5.17%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
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 2) Columbia Management Investment Advisers, LLC	0.78%	8.84%	(0.68%)	2.52%
Seeks to provide shareholders with long-term capital appreciation.	Columbia Variable Portfolio - Large Cap Index Fund (Class 2) (available for contract applications signed on or after 5/3/2021) Columbia Management Investment Advisers, LLC	0.50% 2	17.25%	13.84%	14.21%
Seeks to provide shareholders with long-term capital appreciation.	Columbia Variable Portfolio - Large Cap Index Fund (Class 3) (available for contract applications signed prior to 5/3/2021) Columbia Management Investment Advisers, LLC	0.38% 2	17.43%	13.98%	14.35%
Seeks total return, consisting of current income and capital appreciation.	Columbia Variable Portfolio - Long Government/Credit Bond Fund (Class 2) Columbia Management Investment Advisers, LLC	0.72% 2	5.98%	(5.48%)	1.31%
Seeks to provide shareholders with capital appreciation.	Columbia Variable Portfolio - Overseas Core Fund (Class 2) Columbia Management Investment Advisers, LLC	1.05%	37.96%	8.92%	7.55%
Seeks to provide shareholders with high total return through income and growth of capital.	Columbia Variable Portfolio - Select Corporate Income Fund (Class 2) (previously Columbia Variable Portfolio - Corporate Bond Fund (Class 2)) Columbia Management Investment Advisers, LLC	0.72% 2	7.55%	1.20%	1.94%
Seeks to provide shareholders with long-term growth of capital.	Columbia Variable Portfolio - Select Large Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC	0.94%	27.97%	13.32%	12.30%
Seeks to provide shareholders with growth of capital.	Columbia Variable Portfolio - Select Mid Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC	1.08% 2	14.86%	7.26%	11.89%
Seeks to provide shareholders with long-term growth of capital.	Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC	1.08% 2	13.87%	10.90%	10.17%
Seeks to provide shareholders with a level of current income consistent with preservation of capital.	Columbia Variable Portfolio - Select Short Corporate Income Fund (Class 2) (previously Columbia Variable Portfolio - Limited Duration Credit Fund (Class 2)) Columbia Management Investment Advisers, LLC	0.66% 2	6.00%	1.90%	2.94%
Seeks to provide shareholders with long-term capital growth.	Columbia Variable Portfolio - Select Small Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC	1.10% 2	6.30%	8.66%	7.97%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
Seeks total return, consisting of current income and capital appreciation.	Columbia Variable Portfolio - Strategic Income Fund (Class 2) Columbia Management Investment Advisers, LLC	0.95% 2	6.88%	1.87%	3.99%
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 2) Columbia Management Investment Advisers, LLC	0.70%	8.83%	(0.32%)	1.65%
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 2) (previously CTIVP ® - BlackRock Global Inflation-Protected Securities Fund (Class 2)) Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser; BlackRock International Limited, sub-subadviser.	0.87% 2	3.84%	(1.74%)	1.71%
Seeks to provide shareholders with current income and capital appreciation.	CTIVP ® - CenterSquare Real Estate Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; CenterSquare Investment Management LLC, subadviser.	1.09%	2.11%	6.36%	5.44%
Seeks to provide shareholders with a high level of current income.	CTIVP ® - Fidelity Institutional AM ® Total Bond Fund (Class 2) (previously CTIVP ® - American Century Diversified Bond Fund (Class 2)) Columbia Management Investment Advisers, LLC, adviser; FIAM LLC, subadviser; FMR Investment Management (UK) Limited, sub-subadviser.	0.74%	7.24%	(0.57%)	2.08%
Seeks to provide shareholders with long-term capital growth.	CTIVP ® - Principal Large Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Principal Global Investors, LLC, subadviser.	0.95%	13.49%	10.20%	14.38%
Seeks to provide shareholders with long-term growth of capital and income.	CTIVP ® - T. Rowe Price Large Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; T. Rowe Price Associates, Inc., subadviser.	0.94%	12.12%	10.15%	9.64%
Seeks to provide shareholders with total return through current income and capital appreciation.	CTIVP ® - TCW Total Return Bond Fund (Class 2) (previously CTIVP ® - TCW Core Plus Bond Fund (Class 2)) Columbia Management Investment Advisers, LLC, adviser; TCW Investment Management Company LLC, subadviser.	0.75%	7.31%	(0.78%)	1.79%
Seeks to provide shareholders with long-term growth of capital.	CTIVP ® - Victory Sycamore Established Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management Inc., subadviser.	1.07%	2.00%	9.37%	10.43%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
Seeks to provide shareholders with long-term capital growth.	CTIVP ® - Wellington Large Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Wellington Management Company LLP, subadviser.	0.86% 2	19.61%	10.97%	10.43%
Seeks to provide shareholders with long-term capital growth.	CTIVP ® - Westfield Mid Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Westfield Capital Management Company, L.P., subadviser.	1.08% 2	10.12%	6.89%	11.90%
Seeks to provide shareholders with long-term capital growth.	CTIVP ® - Westfield Select Large Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Westfield Capital Management Company, L.P., subadviser.	0.94%	16.98%	1.78%	13.02%
Seeks capital appreciation.	DWS Alternative Asset Allocation VIP (Class B) 3 DWS Investment Management Americas Inc., adviser; RREEF America L.L.C., subadviser.	1.31%	10.03%	4.88%	4.52%
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 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 a high level of current income and may also seek capital appreciation.	Fidelity ® VIP Strategic Income 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.	0.88%	8.58%	2.79%	4.40%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
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 total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Small Cap Value VIP Fund (Class 2) Franklin Mutual Advisers, LLC	0.91% 2	7.65%	8.86%	9.81%
Seeks total return with a low to moderate correlation to traditional financial market indices.	Invesco V.I. Balanced-Risk Allocation Fund (Series II Shares) 1 Invesco Advisers, Inc.	1.13% 2	8.69%	2.27%	4.91%
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% 2	12.75%	1.39%	2.76%
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 capital growth, consistent with preservation of capital and balanced by current income.	Janus Henderson Balanced Portfolio (Service Shares) Janus Henderson Investors US LLC	0.87%	14.84%	8.21%	9.86%
Seeks to obtain maximum total return, consistent with preservation of capital.	Janus Henderson Flexible Bond Portfolio (Service Shares) Janus Henderson Investors US LLC	0.82% 2	7.22%	(0.47%)	2.07%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
Non-diversified fund that pursues its investment objective by investing primarily in common stocks selected for their growth potential.	Janus Henderson Research Portfolio (Service Shares) Janus Henderson Investors US LLC	1.07%	18.10%	13.83%	15.59%
Seeks total return.	Lazard Retirement Global Dynamic Multi-Asset Portfolio (Service Shares) 1 Lazard Asset Management, LLC	1.05% 2	15.72%	5.19%	5.93%
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% 2	15.85%	11.47%	10.07%
Seeks total return.	MFS ® Utilities Series (Service Class) Massachusetts Financial Services Company	1.03% 2	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% 2	12.44%	(5.46%)	14.04%
Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund's environmental, social and governance (ESG) criteria.	Neuberger Berman AMT Quality Equity Portfolio (Class S) (previously Neuberger Berman AMT Sustainable Equity Portfolio (Class S)) Neuberger Berman Investment Advisers LLC	1.12%	13.41%	12.54%	12.66%
Seeks to provide total return.	Nomura VIP Asset Strategy Series (Service Class) (previously Macquarie VIP Asset Strategy Series (Service Class)) Delaware Management Company, adviser; Macquarie Investment Management Global Limited, subadviser.	0.77% 2	16.66%	7.07%	7.84%
Seeks maximum real return, consistent with preservation of real capital and prudent investment management.	PIMCO VIT All Asset Portfolio (Advisor Class) 3 Pacific Investment Management Company LLC (PIMCO)	2.23% 2	14.19%	5.49%	6.67%
Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.	PIMCO VIT Global Managed Asset Allocation Portfolio (Advisor Class) 3 Pacific Investment Management Company LLC (PIMCO)	1.31% 2	21.77%	6.94%	7.88%
Seeks maximum total return, consistent with preservation of capital and prudent investment management.	PIMCO VIT Total Return Portfolio (Advisor Class) Pacific Investment Management Company LLC (PIMCO)	0.83%	8.78%	(0.08%)	2.26%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
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% 2	15.73%	(0.96%)	(0.15%)
Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.	VanEck VIP Global Gold Fund (Class S Shares) Van Eck Associates Corporation	1.45% 2	164.43%	20.00%	20.89%
Seeks to provide a high level of total return that is consistent with an aggressive level of risk.	Variable Portfolio - Aggressive Portfolio (Class 2) 3 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) 3 Columbia Management Investment Advisers, LLC	0.89% 2	10.21%	1.62%	3.53%
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Variable Portfolio - Managed Risk Fund (Class 2) 1,3 Columbia Management Investment Advisers, LLC	1.02% 2	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) 1,3 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) 1,3 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) 1,3 Columbia Management Investment Advisers, LLC	0.97%	11.02%	2.66%	4.53%

Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Fund and Adviser/Sub-Adviser	Current Expenses Ratio [NET]	1 Year	5 Year	10 Year
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.	Variable Portfolio - Managed Volatility Growth Fund (Class 2) 1,3 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) 1,3 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) 3 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 moderately aggressive level of risk.	Variable Portfolio - Moderately Aggressive Portfolio (Class 2) 3 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 conservative level of risk.	Variable Portfolio - Moderately Conservative Portfolio (Class 2) 3 Columbia Management Investment Advisers, LLC	0.94%	12.10%	3.18%	4.92%
Seeks to provide shareholders with a high level of current income while conserving the value of the investment for the longest period of time.	Variable Portfolio - Partners Core Bond Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; J.P. Morgan Investment Management Inc. and Allspring Global Investments, LLC, subadvisers.	0.73%	7.28%	(0.23%)	1.99%
Seeks to provide shareholders with long-term capital growth.	Variable Portfolio - Partners Core Equity Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; J.P. Morgan Investment Management Inc. and T. Rowe Price Associates, Inc., subadvisers.	0.93% 2	13.14%	13.04%	12.63%
Seeks to provide shareholders with long-term growth of capital.	Variable Portfolio - Partners International Core Equity Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Schroder Investment Management North America Inc., subadviser; Schroder Investment Management North America Limited, sub-subadviser.	1.08%	24.55%	7.02%	6.12%
Seeks to provide shareholders with long-term capital growth.	Variable Portfolio - Partners International Growth Fund (Class 2) Columbia Management Investment Advisers LLC, adviser; William Blair Investment Management, LLC and Walter Scott & Partners Limited, subadvisers.	1.08% 2	17.50%	1.36%	5.01%

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

This Fund is managed in a way that is intended to minimize volatility of returns. See “Principal Risks of Investing in the Contract.”

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.

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.

Temporary Fee Reductions, Current Expenses [Text Block]

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.

Fixed Options Available Legend [Text Block]

The following is a list of investment options that earn fixed interest for a specified term currently available under the

contract

and certificate. 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.

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.

Fixed Options Available [Table Text Block]

The following is a list of investment options that earn fixed interest for a specified term currently available under the

contract

and certificate. 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.

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

certificate

account

value.

See “Charges and Adjustments – Adjustments – Market Value Adjustments” in the prospectus for more

information about the MVA.

Name	Term	Guaranteed Minimum 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.

Name	Term	Certificate Issue Year	Guaranteed Minimum Interest Rate
Loan Account	1 Year	2012	1.00%
		2013	1.00%
		2014	1.00%
		2015	1.00%
		2016	1.00%
		2017	1.00%
		2018	1.00%
		2019	1.75%
		2020	1.00%
		2021	1.00%
		2022	1.00%
		2023	2.95%
		2024	3.00%
		2025	2.65%
		2026	2.40%

Name	Term	Certificate Issue Year	Guaranteed Minimum Interest Rate
Special DCA Fixed Account	6 Months	2012	1.00%
		2013	1.00%
		2014	1.00%
		2015	1.00%
		2016	1.00%
		2017	1.00%
		2018	1.00%
		2019	1.75%
		2020	1.00%
		2021	1.00%
		2022	1.00%
		2023	2.95%
		2024	3.00%
		2025	2.65%
		2026	2.40%
Special DCA Fixed Account	1 Year	2012	1.00%
		2013	1.00%
		2014	1.00%
		2015	1.00%
		2016	1.00%
		2017	1.00%
		2018	1.00%
		2019	1.75%
		2020	1.00%
		2021	1.00%
		2022	1.00%
		2023	2.95%
		2024	3.00%
		2025	2.65%
		2026	2.40%

Item 31A. Non-Variable Annuities [Line Items]

Non-variable Annuities [Table Text Block]

Item 31A. Information about Contracts with Indexed-Linked Options and Fixed Options Subject to a Contract Adjustment

(a)

Name of the Contract	Number of Contracts Outstanding	Total Value Attributable to the Index and/or Fixed Option Subject to an Adjustment	Number of Contracts Sold During the Prior Calendar Year	Gross Premiums Received During the Prior Calendar Year	Amount of Contract Value Redeemed During the Prior Calendar Year	Combination Contract (Yes/No)
RiverSource Guarantee Period Account	600	21,290,150	0	32,188	792,440	Yes

Non-variable Annuities [Line Items]

Non-variable Annuities, Name

RiverSource Guarantee Period Account

Non-variable Annuities, Number Outstanding | CONTRACT

600

Non-variable Annuities, Total Value

$ 21,290,150

Non-variable Annuities, Number Sold | CONTRACT

Non-variable Annuities, Gross Premiums

$ 32,188

Non-variable Annuities, Value Redeemed

$ 792,440

Non-variable Annuities, Combination [Flag]

true

RiverSource Retirement Group Annuity Contract I [Member] | AB VPS Dynamic Asset Allocation Portfolio Class B [Member]

Seeks to maximize total

return consistent with

AllianceBernstein's

determination of

reasonable risk.

^[3]

AB VPS Dynamic Asset Allocation Portfolio(Class B)

AllianceBernstein L.P.

^[4]

1.10%

13.21%

4.74%

RiverSource Retirement Group Annuity Contract I [Member] | AB VPS Large Cap Growth Portfolio Class B [Member]

5.25%

Seeks long-term growth

of capital.

AB VPS Large Cap Growth Portfolio (Class B)

0.90%

12.85%

11.76%

RiverSource Retirement Group Annuity Contract I [Member] | Allspring VT Opportunity Fund Class 2 [Member]

15.88%

Seeks long-term capital

appreciation.

Allspring VT Opportunity Fund (Class 2)

Allspring Funds Management, LLC, adviser;

Allspring Global Investments, LLC,

subadviser.

^[4]

1.00%

6.71%

8.94%

RiverSource Retirement Group Annuity Contract I [Member] | Allspring VT Small Cap Growth Fund Class 2 [Member]

11.85%

Seeks long-term capital

appreciation.

Allspring VT Small Cap Growth Fund(Class 2)

Allspring Funds Management, LLC, adviser;

Allspring Global Investments, LLC,

subadviser.

1.16%

9.25%

(0.96%)

RiverSource Retirement Group Annuity Contract I [Member] | ALPS Alerian Energy Infrastructure Portfolio Class III [Member]

9.94%

The Portfolio seeks

investment results that

correspond (before fees

and expenses) generally

to the price and yield

performance of its

underlying index, the

Alerian Midstream

Energy Select Index (the

"Index").

ALPS | Alerian Energy Infrastructure Portfolio(Class III)

ALPS Advisors, Inc.

1.30%

4.66%

22.06%

RiverSource Retirement Group Annuity Contract I [Member] | BlackRock Global Allocation VI Fund Class III [Member]

10.70%

Seeks high total

investment return.

^[5]

BlackRock Global Allocation V.I. Fund(Class III)

BlackRock Advisors, LLC, adviser; BlackRock

(Singapore) Limited, subadviser.

^[4]

1.01%

19.42%

5.51%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Balanced Fund Class 2 [Member]

7.33%

Seeks maximum total

investment return

through a combination

of capital growth and

current income.

Columbia Variable Portfolio - Balanced Fund

(Class 2) (available for contract applications

signed on or after 5/3/2021)

Columbia Management Investment Advisers,

LLC

^[4]

0.96%

13.75%

8.45%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Balanced Fund Class 3 [Member]

9.48%

Seeks maximum total

investment return

through a combination

of capital growth and

current income.

Columbia Variable Portfolio - Balanced Fund

(Class 3) (available for contract applications

signed prior to 5/3/2021)

Columbia Management Investment Advisers,

LLC

^[4]

0.84%

13.91%

8.59%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Commodity Strategy Fund Class 2 [Member]

9.59%

Seeks to provide

shareholders with total

return.

Columbia Variable Portfolio - Commodity

Strategy Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

0.98%

15.30%

12.44%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Contrarian Core Fund Class 2 [Member]

6.46%

Seeks total return,

consisting of long-term

capital appreciation and

current income.

Columbia Variable Portfolio - Contrarian Core

Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

0.95%

17.35%

13.89%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Cornerstone Growth Fund Class 2 [Member]

14.03%

Seeks to provide

shareholders with

long-term capital growth.

Columbia Variable Portfolio - Cornerstone

Growth Fund (Class 2) (previously Columbia

Variable Portfolio - Large Cap Growth Fund

(Class 2))

Columbia Management Investment Advisers,

LLC

0.96%

15.85%

13.75%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Disciplined Core Fund Class 2 [Member]

15.69%

Seeks to provide

shareholders with

capital appreciation.

Columbia Variable Portfolio - Disciplined

Core Fund (Class 2)

Columbia Management Investment Advisers,

LLC

0.93%

14.35%

13.87%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Dividend Opportunity Fund Class 2 [Member]

13.31%

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 2)

Columbia Management Investment Advisers,

LLC

^[4]

0.90%

15.56%

11.60%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Emerging Markets Bond Fund (Class 2) [Member]

10.15%

Non-diversified fund that

seeks to provide

shareholders with high

total return through

current income and,

secondarily, through

capital appreciation.

Columbia Variable Portfolio - Emerging

Markets Bond Fund (Class 2)

Columbia Management Investment Advisers,

LLC

0.98%

12.65%

1.47%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Emerging Markets Fund Class 2 [Member]

4.03%

Seeks to provide

shareholders with

long-term capital growth.

Columbia Variable Portfolio - Emerging

Markets Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

1.34%

30.87%

(1.37%)

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Government Money Market Fund Class 2 [Member]

7.00%

Seeks to provide

shareholders with

maximum current

income consistent with

liquidity and stability of

principal.

Columbia Variable Portfolio - Government

Money Market Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

0.59%

3.71%

2.79%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio High Yield Bond Fund Class 2 [Member]

1.72%

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 2)

Columbia Management Investment Advisers,

LLC

^[4]

0.89%

8.49%

3.93%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Income Opportunities Fund Class 2 [Member]

5.51%

Seeks to provide

shareholders with a high

total return through

current income and

capital appreciation.

Columbia Variable Portfolio - Income

Opportunities Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

0.89%

8.43%

3.60%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Intermediate Bond Fund Class 2 [Member]

5.17%

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 2)

Columbia Management Investment Advisers,

LLC

0.78%

8.84%

(0.68%)

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Large Cap Index Fund Class 2 [Member]

2.52%

Seeks to provide

shareholders with

long-term capital

appreciation.

Columbia Variable Portfolio - Large Cap Index

Fund (Class 2) (available for contract

applications signed on or after 5/3/2021)

Columbia Management Investment Advisers,

LLC

^[4]

0.50%

17.25%

13.84%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Large Cap Index Fund Class 3 [Member]

14.21%

Seeks to provide

shareholders with

long-term capital

appreciation.

Columbia Variable Portfolio - Large Cap Index

Fund (Class 3) (available for contract

applications signed prior to 5/3/2021)

Columbia Management Investment Advisers,

LLC

^[4]

0.38%

17.43%

13.98%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Long GovernmentCredit Bond Fund Class 2 [Member]

14.35%

Seeks total return,

consisting of current

income and capital

appreciation.

Columbia Variable Portfolio - Long

Government/Credit Bond Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

0.72%

5.98%

(5.48%)

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Overseas Core Fund Class 2 [Member]

1.31%

Seeks to provide

shareholders with

capital appreciation.

Columbia Variable Portfolio - Overseas Core

Fund (Class 2)

Columbia Management Investment Advisers,

LLC

1.05%

37.96%

8.92%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Select Corporate Income Fund Class 2 [Member]

7.55%

Seeks to provide

shareholders with high

total return through

income and growth of

capital.

Columbia Variable Portfolio - Select

Corporate Income Fund (Class 2) (previously

Columbia Variable Portfolio - Corporate Bond

Fund (Class 2))

Columbia Management Investment Advisers,

LLC

^[4]

0.72%

7.55%

1.20%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Select Large Cap Value Fund Class 2 [Member]

1.94%

Seeks to provide

shareholders with

long-term growth of

capital.

Columbia Variable Portfolio - Select Large

Cap Value Fund (Class 2)

Columbia Management Investment Advisers,

LLC

0.94%

27.97%

13.32%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Select Mid Cap Growth Fund Class 2 [Member]

12.30%

Seeks to provide

shareholders with

growth of capital.

Columbia Variable Portfolio - Select Mid Cap

Growth Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

1.08%

14.86%

7.26%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Select Mid Cap Value Fund Class 2 [Member]

11.89%

Seeks to provide

shareholders with

long-term growth of

capital.

Columbia Variable Portfolio - Select Mid Cap

Value Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

1.08%

13.87%

10.90%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Select Short Corporate Income Fund Class 2 [Member]

10.17%

Seeks to provide

shareholders with a

level of current income

consistent with

preservation of capital.

Columbia Variable Portfolio - Select Short

Corporate Income Fund (Class 2) (previously

Columbia Variable Portfolio - Limited

Duration Credit Fund (Class 2))

Columbia Management Investment Advisers,

LLC

^[4]

0.66%

6.00%

1.90%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Select Small Cap Value Fund Class 2 [Member]

2.94%

Seeks to provide

shareholders with

long-term capital growth.

Columbia Variable Portfolio - Select Small

Cap Value Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

1.10%

6.30%

8.66%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio Strategic Income Fund Class 2 [Member]

7.97%

Seeks total return,

consisting of current

income and capital

appreciation.

Columbia Variable Portfolio - Strategic

Income Fund (Class 2)

Columbia Management Investment Advisers,

LLC

^[4]

0.95%

6.88%

1.87%

RiverSource Retirement Group Annuity Contract I [Member] | Columbia Variable Portfolio US Government Mortgage Fund Class 2 [Member]

3.99%

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 2)

Columbia Management Investment Advisers,

LLC

0.70%

8.83%

(0.32%)

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP BlackRock Global InflationLinked Securities Fund Class 2 [Member]

1.65%

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 2) (previously CTIVP

- BlackRock Global Inflation-Protected

Securities Fund (Class 2))

Columbia Management Investment Advisers,

LLC, adviser; BlackRock Financial

Management, Inc., subadviser; BlackRock

International Limited, sub-subadviser.

^[4]

0.87%

3.84%

(1.74%)

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP CenterSquare Real Estate Fund Class 2 [Member]

1.71%

Seeks to provide

shareholders with

current income and

capital appreciation.

CTIVP

- CenterSquare Real Estate Fund

(Class 2)

Columbia Management Investment Advisers,

LLC, adviser; CenterSquare Investment

Management LLC, subadviser.

1.09%

2.11%

6.36%

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP Fidelity Institutional AM Total Bond Fund Class 2 [Member]

5.44%

Seeks to provide

shareholders with a high

level of current income.

CTIVP

- Fidelity Institutional AM

Total Bond

Fund (Class 2) (previously CTIVP

- American

Century Diversified Bond Fund (Class 2))

Columbia Management Investment Advisers,

LLC, adviser; FIAM LLC, subadviser; FMR

Investment Management (UK) Limited,

sub-subadviser.

0.74%

7.24%

(0.57%)

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP Principal Large Cap Growth Fund Class 2 [Member]

2.08%

Seeks to provide

shareholders with

long-term capital growth.

CTIVP

- Principal Large Cap Growth Fund

(Class 2)

Columbia Management Investment Advisers,

LLC, adviser; Principal Global Investors, LLC,

subadviser.

0.95%

13.49%

10.20%

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP T Rowe Price Large Cap Value Fund Class 2 [Member]

14.38%

Seeks to provide

shareholders with

long-term growth of

capital and income.

CTIVP

- T. Rowe Price Large Cap Value Fund

(Class 2)

Columbia Management Investment Advisers,

LLC, adviser; T. Rowe Price Associates, Inc.,

subadviser.

0.94%

12.12%

10.15%

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP TCW Total Return Bond Fund Class 2 [Member]

9.64%

Seeks to provide

shareholders with total

return through current

income and capital

appreciation.

CTIVP

- TCW Total Return Bond Fund

(Class 2) (previously CTIVP

- TCW Core Plus

Bond Fund (Class 2))

Columbia Management Investment Advisers,

LLC, adviser; TCW Investment Management

Company LLC, subadviser.

0.75%

7.31%

(0.78%)

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP Victory Sycamore Established Value Fund Class 2 [Member]

1.79%

Seeks to provide

shareholders with

long-term growth of

capital.

CTIVP

- Victory Sycamore Established Value

Fund (Class 2)

Columbia Management Investment Advisers,

LLC, adviser; Victory Capital Management

Inc., subadviser.

1.07%

2.00%

9.37%

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP Wellington Large Cap Value Fund Class 2 [Member]

10.43%

Seeks to provide

shareholders with

long-term capital growth.

CTIVP

- Wellington Large Cap Value Fund

(Class 2)

Columbia Management Investment Advisers,

LLC, adviser; Wellington Management

Company LLP, subadviser.

^[4]

0.86%

19.61%

10.97%

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP Westfield Mid Cap Growth Fund (Class 2) [Member]

10.43%

Seeks to provide

shareholders with

long-term capital growth.

CTIVP

- Westfield Mid Cap Growth Fund

(Class 2)

^[4]

1.08%

10.12%

6.89%

RiverSource Retirement Group Annuity Contract I [Member] | CTIVP Westfield Select Large Cap Growth Fund (Class 2) [Member]

11.90%

Seeks to provide

shareholders with

long-term capital growth.

CTIVP

- Westfield Select Large Cap Growth

Fund (Class 2)

Columbia Management Investment Advisers,

LLC, adviser; Westfield Capital Management

Company, L.P., subadviser.

0.94%

16.98%

1.78%

RiverSource Retirement Group Annuity Contract I [Member] | DWS Alternative Asset Allocation VIP (Class B) [Member]

13.02%

Seeks capital

appreciation.

^[5]

DWS Alternative Asset Allocation VIP(Class B)

DWS Investment Management Americas

Inc., adviser; RREEF America L.L.C.,

subadviser.

1.31%

10.03%

4.88%

RiverSource Retirement Group Annuity Contract I [Member] | Fidelity VIP Contrafund Portfolio (Service Class 2) [Member]

4.52%

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%

RiverSource Retirement Group Annuity Contract I [Member] | Fidelity VIP Mid Cap Portfolio (Service Class 2) [Member]

15.49%

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%

RiverSource Retirement Group Annuity Contract I [Member] | Fidelity VIP Strategic Income Portfolio (Service Class 2) [Member]

10.31%

Seeks a high level of

current income and may

also seek capital

appreciation.

Fidelity

VIP Strategic Income 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.

0.88%

8.58%

2.79%

RiverSource Retirement Group Annuity Contract I [Member] | Franklin Income VIP Fund (Class 2) [Member]

4.40%

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%

RiverSource Retirement Group Annuity Contract I [Member] | Franklin Mutual Shares VIP Fund (Class 2) [Member]

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%

RiverSource Retirement Group Annuity Contract I [Member] | Franklin Small Cap Value VIP Fund (Class 2) [Member]

7.53%

Seeks long-term total

return. Under normal

market conditions, the

fund invests at least

80% of its net assets in

investments of small

capitalization

companies.

Franklin Small Cap Value VIP Fund (Class 2)

Franklin Mutual Advisers, LLC

^[4]

0.91%

7.65%

8.86%

RiverSource Retirement Group Annuity Contract I [Member] | Invesco V.I. BalancedRisk Allocation Fund (Series II Shares) [Member]

9.81%

Seeks total return with a

low to moderate

correlation to traditional

financial market indices.

Invesco V.I. Balanced-Risk Allocation Fund(Series II Shares)

Invesco Advisers, Inc.

^[4]

1.13%

8.69%

2.27%

RiverSource Retirement Group Annuity Contract I [Member] | Invesco V.I. Global Fund (Series II Shares) [Member]

4.91%

Seeks capital

appreciation.

Invesco V.I. Global Fund (Series II Shares)

Invesco Advisers, Inc.

1.06%

15.05%

7.01%

RiverSource Retirement Group Annuity Contract I [Member] | Invesco V.I. Global Strategic Income Fund (Series II Shares) [Member]

10.72%

Seeks total return

Invesco V.I. Global Strategic Income Fund(Series II Shares)

Invesco Advisers, Inc.

^[4]

1.20%

12.75%

1.39%

RiverSource Retirement Group Annuity Contract I [Member] | Invesco V.I. Main Street Small Cap Fund (Series II Shares) [Member]

2.76%

Seeks capital

appreciation.

Invesco V.I. Main Street Small Cap Fund

(Series II Shares)

Invesco Advisers, Inc.

1.09%

8.44%

8.07%

RiverSource Retirement Group Annuity Contract I [Member] | Janus Henderson Balanced Portfolio (Service Shares) [Member]

10.31%

Seeks long-term capital

growth, consistent with

preservation of capital

and balanced by current

income.

Janus Henderson Balanced Portfolio(Service Shares)

Janus Henderson Investors US LLC

0.87%

14.84%

8.21%

RiverSource Retirement Group Annuity Contract I [Member] | Janus Henderson Flexible Bond Portfolio (Service Shares) [Member]

9.86%

Seeks to obtain

maximum total return,

consistent with

preservation of capital.

Janus Henderson Flexible Bond Portfolio(Service Shares)

Janus Henderson Investors US LLC

^[4]

0.82%

7.22%

(0.47%)

RiverSource Retirement Group Annuity Contract I [Member] | Janus Henderson Research Portfolio (Service Shares) [Member]

2.07%

Non-diversified fund that

pursues its investment

objective by investing

primarily in common

stocks selected for their

growth potential.

Janus Henderson Research Portfolio(Service Shares)

Janus Henderson Investors US LLC

1.07%

18.10%

13.83%

RiverSource Retirement Group Annuity Contract I [Member] | Lazard Retirement Global Dynamic MultiAsset Portfolio (Service Shares) [Member]

15.59%

Seeks total return.

^[3]

Lazard Retirement Global DynamicMulti-Asset Portfolio (Service Shares)

Lazard Asset Management, LLC

^[4]

1.05%

15.72%

5.19%

RiverSource Retirement Group Annuity Contract I [Member] | LVIP American Century Value Fund (Service Class) [Member]

5.93%

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.

^[4]

0.86%

15.85%

11.47%

RiverSource Retirement Group Annuity Contract I [Member] | MFS Utilities Series (Service Class) [Member]

10.07%

Seeks total return.

MFS

Utilities Series (Service Class)

Massachusetts Financial Services Company

^[4]

1.03%

14.76%

7.38%

RiverSource Retirement Group Annuity Contract I [Member] | Morgan Stanley VIF Discovery Portfolio (Class II Shares) [Member]

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.

^[4]

1.05%

12.44%

(5.46%)

RiverSource Retirement Group Annuity Contract I [Member] | Neuberger Berman AMT Quality Equity Portfolio (Class S) [Member]

14.04%

Seeks long-term growth

of capital by investing

primarily in securities of

companies that meet

the Fund's

environmental, social

and governance (ESG)

criteria.

Neuberger Berman AMT Quality Equity

Portfolio (Class S) (previously Neuberger

Berman AMT Sustainable Equity Portfolio

(Class S))

Neuberger Berman Investment Advisers LLC

1.12%

13.41%

12.54%

RiverSource Retirement Group Annuity Contract I [Member] | Nomura VIP Asset Strategy Series (Service Class) [Member]

12.66%

Seeks to provide total

return.

Nomura VIP Asset Strategy Series (Service

Class) (previously Macquarie VIP Asset

Strategy Series (Service Class))

Delaware Management Company, adviser;

Macquarie Investment Management Global

Limited, subadviser.

^[4]

0.77%

16.66%

7.07%

RiverSource Retirement Group Annuity Contract I [Member] | PIMCO VIT All Asset Portfolio (Advisor Class) [Member]

7.84%

Seeks maximum real

return, consistent with

preservation of real

capital and prudent

investment

management.

^[5]

PIMCO VIT All Asset Portfolio (AdvisorClass)

Pacific Investment Management Company

LLC (PIMCO)

^[4]

2.23%

14.19%

5.49%

RiverSource Retirement Group Annuity Contract I [Member] | PIMCO VIT Global Managed Asset Allocation Portfolio (Advisor Class) [Member]

6.67%

Seeks total return which

exceeds that of a blend

of 60% MSCI World

Index/40% Barclays

U.S. Aggregate Index.

^[5]

PIMCO VIT Global Managed Asset AllocationPortfolio (Advisor Class)

Pacific Investment Management Company

LLC (PIMCO)

^[4]

1.31%

21.77%

6.94%

RiverSource Retirement Group Annuity Contract I [Member] | PIMCO VIT Total Return Portfolio (Advisor Class) [Member]

7.88%

Seeks maximum total

return, consistent with

preservation of capital

and prudent investment

management.

PIMCO VIT Total Return Portfolio (Advisor

Class)

Pacific Investment Management Company

LLC (PIMCO)

0.83%

8.78%

(0.08%)

RiverSource Retirement Group Annuity Contract I [Member] | Templeton Global Bond VIP Fund (Class 2) [Member]

2.26%

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.

^[4]

0.75%

15.73%

(0.96%)

RiverSource Retirement Group Annuity Contract I [Member] | VanEck VIP Global Gold Fund (Class S Shares) [Member]

(0.15%)

Seeks long-term capital

appreciation by

investing in common

stocks of gold-mining

companies. The Fund

may take current

income into

consideration when

choosing investments.

VanEck VIP Global Gold Fund (Class S

Shares)

Van Eck Associates Corporation

^[4]

1.45%

164.43%

20.00%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Aggressive Portfolio (Class 2) [Member]

20.89%

Seeks to provide a high

level of total return that

is consistent with an

aggressive level of risk.

^[5]

Variable Portfolio - Aggressive Portfolio(Class 2)

Columbia Management Investment Advisers,

LLC

1.04%

17.63%

8.13%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Conservative Portfolio (Class 2) [Member]

9.06%

Seeks to provide a high

level of total return that

is consistent with a

conservative level of

risk.

^[5]

Variable Portfolio - Conservative Portfolio(Class 2)

Columbia Management Investment Advisers,

LLC

0.89%

10.21%

1.62%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Managed Risk Fund (Class 2) [Member]

3.53%

Pursues total return

while seeking to

manage the Fund's

exposure to equity

market volatility.

^[3],[5]

Variable Portfolio - Managed Risk Fund(Class 2)

Columbia Management Investment Advisers,

LLC

1.02%

12.15%

4.73%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Managed Risk U.S. Fund (Class 2) [Member]

0.00%

Pursues total return

while seeking to

manage the Fund's

exposure to equity

market volatility.

^[3],[5]

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

Columbia Management Investment Advisers,

LLC

0.99%

9.59%

5.64%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Managed Volatility Conservative Fund (Class 2) [Member]

0.00%

Pursues total return

while seeking to

manage the Fund's

exposure to equity

market volatility.

^[3],[5]

Variable Portfolio - Managed VolatilityConservative Fund (Class 2)

Columbia Management Investment Advisers,

LLC

0.95%

9.17%

1.15%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Managed Volatility Conservative Growth Fund (Class 2) [Member]

3.33%

Pursues total return

while seeking to

manage the Fund's

exposure to equity

market volatility.

^[3],[5]

Variable Portfolio - Managed VolatilityConservative Growth Fund (Class 2)

Columbia Management Investment Advisers,

LLC

0.97%

11.02%

2.66%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Managed Volatility Growth Fund (Class 2) [Member]

4.53%

Pursues total return

while seeking to

manage the Fund's

exposure to equity

market volatility.

^[3],[5]

Variable Portfolio - Managed Volatility GrowthFund (Class 2)

Columbia Management Investment Advisers,

LLC

1.01%

14.75%

5.83%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Managed Volatility Moderate Growth Fund (Class 2) [Member]

6.95%

Pursues total return

while seeking to

manage the Fund’s

exposure to equity

market volatility.

^[3],[5]

Variable Portfolio - Managed VolatilityModerate Growth Fund (Class 2)

Columbia Management Investment Advisers,

LLC

0.98%

12.87%

4.29%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Moderate Portfolio (Class 2) [Member]

5.82%

Seeks to provide a high

level of total return that

is consistent with a

moderate level of risk.

^[5]

Variable Portfolio - Moderate Portfolio(Class 2)

Columbia Management Investment Advisers,

LLC

0.96%

13.86%

4.91%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Moderately Aggressive Portfolio (Class 2) [Member]

6.42%

Seeks to provide a high

level of total return that

is consistent with a

moderately aggressive

level of risk.

^[5]

Variable Portfolio - Moderately AggressivePortfolio (Class 2)

Columbia Management Investment Advisers,

LLC

1.00%

15.71%

6.44%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Moderately Conservative Portfolio (Class 2) [Member]

7.71%

Seeks to provide a high

level of total return that

is consistent with a

moderately conservative

level of risk.

^[5]

Variable Portfolio - Moderately ConservativePortfolio (Class 2)

Columbia Management Investment Advisers,

LLC

0.94%

12.10%

3.18%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Partners Core Bond Fund (Class 2) [Member]

4.92%

Seeks to provide

shareholders with a high

level of current income

while conserving the

value of the investment

for the longest period of

time.

Variable Portfolio - Partners Core Bond Fund(Class 2)

Columbia Management Investment Advisers,

LLC, adviser; J.P. Morgan Investment

Management Inc. and Allspring Global

Investments, LLC, subadvisers.

0.73%

7.28%

(0.23%)

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Partners Core Equity Fund (Class 2) [Member]

1.99%

Seeks to provide

shareholders with

long-term capital growth.

Variable Portfolio - Partners Core Equity Fund(Class 2)

Columbia Management Investment Advisers,

LLC, adviser; J.P. Morgan Investment

Management Inc. and T. Rowe Price

Associates, Inc., subadvisers.

^[4]

0.93%

13.14%

13.04%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Partners International Core Equity Fund (Class 2) [Member]

12.63%

Seeks to provide

shareholders with

long-term growth of

capital.

Variable Portfolio - Partners InternationalCore Equity Fund (Class 2)

Columbia Management Investment Advisers,

LLC, adviser; Schroder Investment

Management North America Inc.,

subadviser; Schroder Investment

Management North America Limited,

sub-subadviser.

1.08%

24.55%

7.02%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Partners International Growth Fund (Class 2) [Member]

6.12%

Seeks to provide

shareholders with

long-term capital growth.

Variable Portfolio - Partners InternationalGrowth Fund (Class 2)

Columbia Management Investment Advisers

LLC, adviser; William Blair Investment

Management, LLC and Walter Scott &

Partners Limited, subadvisers.

1.08%

17.50%

1.36%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Partners International Value Fund (Class 2) [Member]

5.01%

Seeks to provide

shareholders with

long-term capital growth.

Variable Portfolio - Partners InternationalValue Fund (Class 2)

Columbia Management Investment Advisers,

LLC, adviser; Pzena Investment

Management, LLC and Thompson, Siegel &

Walmsley LLC, subadvisers.

^[4]

1.05%

34.84%

10.14%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Partners Small Cap Growth Fund (Class 2) [Member]

6.97%

Seeks to provide

shareholders with

long-term capital growth.

Variable Portfolio - Partners Small CapGrowth Fund (Class 2)

Columbia Management Investment Advisers,

LLC, adviser; Goldman Sachs Asset

Management, L.P. and Segall Bryant &

Hamill, LLC, subadvisers.

^[4]

1.10%

7.86%

0.94%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio Partners Small Cap Value Fund (Class 2) [Member]

7.72%

Seeks to provide

shareholders with

long-term capital

appreciation.

Variable Portfolio - Partners Small Cap ValueFund (Class 2)

Columbia Management Investment Advisers,

LLC, adviser; Segall Bryant & Hamill, LLC

and William Blair Investment Management,

LLC, subadvisers.

^[4]

1.09%

7.07%

6.60%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio U.S. Flexible Conservative Growth Fund (Class 2) [Member]

7.06%

Pursues total return

while seeking to

manage the Fund's

exposure to equity

market volatility.

^[3],[5]

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

Columbia Management Investment Advisers,

LLC

0.96%

9.22%

3.53%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio U.S. Flexible Growth Fund (Class 2) [Member]

0.00%

Pursues total return

while seeking to

manage the Fund's

exposure to equity

market volatility.

^[3],[5]

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

Columbia Management Investment Advisers,

LLC

0.93%

11.07%

7.36%

RiverSource Retirement Group Annuity Contract I [Member] | Variable Portfolio U.S. Flexible Moderate Growth Fund (Class 2) [Member]

0.00%

Pursues total return

while seeking to

manage the Fund's

exposure to equity

market volatility.

^[3],[5]

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

Columbia Management Investment Advisers,

LLC

0.94%

10.10%

5.46%

RiverSource Retirement Group Annuity Contract I [Member] | Western Asset Variable Global High Yield Bond Portfolio (Class II) [Member]

0.00%

Seeks to maximize total

return.

Western Asset Variable Global High Yield

Bond Portfolio (Class II)

Franklin Templeton Fund Adviser, LLC,

adviser; Western Asset Management

Company, LLC, subadviser.

1.06%

9.95%

2.34%

RiverSource Retirement Group Annuity Contract I [Member] | Standard Death Benefit [Member]

5.09%

Operation of Benefit [Text Block]

Benefits in Case of Death

– Standard Death Benefit

We will pay the death benefit to your beneficiary upon your death if you die before the annuitization start date with a

certificate account value greater than zero.

If you are age 79 or younger on the date we issue the certificate, the beneficiary receives the greater of:

•

the certificate account value, minus any loan balance; or

•

the Return of Purchase Payments (ROPP) value, minus any loan balance.

If you are age 80 or older on the certificate date, the beneficiary receives the certificate account value, minus any loan

balance.

Here are some terms that are used to describe the death benefit:

ROPP Value:

is the total purchase payments on the certificate issue date. Additional purchase payments will be added

to the ROPP value. Adjusted partial surrenders will be subtracted from the ROPP value.

If you take a partial surrender, the applicable ROPP Value will be reduced proportionally based on the percentage of

certificate account value that is withdrawn. This means that if the certificate account value is higher than the ROPP

Value at the time of a partial surrender, then the ROPP Value is reduced by an amount that is less than the dollar

amount withdrawn. Conversely, if the certificate account value is lower than the ROPP Value at the time of a partial

surrender, then the ROPP Value is reduced by an amount that is more than the dollar amount withdrawn.

Adjusted partial surrenders	=	a X b
		c

a	=	amount by which the certificate account value is reduced as a result of the partial surrender.
b	=	the ROPP value on the date of (but prior to) the partial surrender.
c	=	the certificate account value on the date of (but prior to) the partial surrender.

For a spouse who continues the contract and is age 79 or younger, we set the ROPP value to the certificate account

value on the date of the continuation after any increase to the certificate account value due to the death benefit that

would otherwise have been paid.

Example of death benefit calculation when you are age 79 or younger on the certificate effective date:

•

You purchase the certificate with a payment of $20,000

•

During the second certificate year the certificate account value falls to $18,000, at which point you take a $1,500

partial surrender, leaving a certificate account value of $16,500.

We calculate the death benefit as follows, assuming $0 loan balance:
The total purchase payments minus adjustments for partial surrenders:
	Total purchase payments		$ 20,000
	minus adjusted partial surrenders, calculated as:
	$1,500 × $20,000	=
	$18,000		–1,667
	The death benefit is the ROPP value of:		$ 18,333
	since this is greater than your certificate account value of $16,500

If You Die Before the Annuitization Start Date

When paying the beneficiary, we will process the death claim on the valuation date our death claim requirements are

fulfilled. We will determine the certificate account value using the accumulation unit value we calculate on that valuation

date. We pay interest, if any, at a rate no less than required by law. We will mail payment to the beneficiary within seven

days after our death claim requirements are fulfilled. Death claim requirements generally include due proof of death and

will be detailed in the claim materials we send upon notification of death.

The death benefit for each beneficiary will be payable in a lump sum on the valuation date we receive due proof of death

from that beneficiary. The beneficiary may elect to receive payment anytime within five years after the date of death.

Some beneficiaries may have additional options. In lieu of a lump sum, your designated beneficiary may elect to receive

regular installment payments under one of the following options:

If you have not elected an annuity payout plan, and if death occurs on or after Jan. 1, 2020, the beneficiary is

required to withdraw his or her entire inherited interest by December 31 of the 10th year following your date of

death unless they qualify as an “eligible designated beneficiary.” Your beneficiary may be required to take

distributions during the 10-year period if you died after your Required Beginning Date, as defined by Code. Eligible

designated beneficiaries may continue to take proceeds out over your life expectancy if you died prior to your

Required Beginning Date or over the greater of your life expectancy or their life expectancy if you died after your

Required Beginning Date. Eligible designated beneficiaries include:

•

the surviving spouse;

•

a lawful child of the owner under the age of 21 (remaining amount must be withdrawn by the earlier of the end of

the year the minor turns 31 or end of the 10th year following the minor's death);

•

disabled within the meaning of Code section 72(m)(7);

•

chronically ill within the meaning of Code section 7702B(c)(2);

•

any other person who is not more than 10 years younger than the owner.

However, non-natural beneficiaries, such as estates and charities, are subject to a five-year rule to distribute the IRA if

you died prior to your Required Beginning Date.

We will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under any payout plan

available under this contract and:

•

the beneficiary elects in writing, and payouts begin, no later than one year following the year of your death; and

•

the payout period does not extend beyond December 31 of the 10

year following your death or the applicable

life expectancy for an eligible designated beneficiary.

In the event of your beneficiary’s death, their beneficiary can elect to take a lump sum payment or annuitize the

contract to deplete it within 10 years of your beneficiary’s death.

If, upon your death, the designated beneficiary does not elect one of the irrevocable annuity payment plans (A

through E), or a single sum distribution, then the designated beneficiary may elect to receive payments according to

an alternative plan as agreed to by us provided:

•

the designated beneficiary elects the plan at the time we receive due proof of death;

•

if your sole designated beneficiary is your surviving spouse, your entire interest will be distributed, beginning no

later than the later of December 31 of the calendar year following the calendar year of your death or

December 31 of the calendar year in which you would have attained age 73, over the life of the surviving spouse

or over a period not extending beyond the life expectancy of the surviving spouse. If the surviving spouse dies

before distributions commence, the remaining interest will be distributed, beginning no later than December 31

following the calendar year of the surviving spouse’s death, over the spouse’s designated beneficiary’s

remaining life expectancy determined using such beneficiary’s age as of his or her birthday in the year following

the death of the spouse; or

•

if your sole designated beneficiary is someone other than your surviving spouse, your entire interest will be

distributed, beginning no later than the end of the calendar year following the calendar year of your death, over

the remaining life expectancy of the designated beneficiary, with such life expectancy determined using the age

of the beneficiary as of his or her birthday in the year following the year of your death and reduced by 1 for each

subsequent year;

•

if you die before your Required Beginning Date and there is no designated beneficiary, or if elected by the

designated beneficiary, your entire interest will be distributed by December 31 of the calendar year containing the

fifth anniversary of your death (or of the spouse’s death if the designated beneficiary was your surviving spouse

and the spouse dies before distributions are required to begin);

•

if you die on or after your Required Beginning Date and there is no designated beneficiary, your entire interest will

be distributed, beginning no later than December 31 of the calendar year following the calendar year of your

death, over your remaining life expectancy determined using your age in the year of your death and reduced by 1

for each subsequent year.

Calculation Method of Benefit [Text Block]

Example of death benefit calculation when you are age 79 or younger on the certificate effective date:

•

You purchase the certificate with a payment of $20,000

•

During the second certificate year the certificate account value falls to $18,000, at which point you take a $1,500

partial surrender, leaving a certificate account value of $16,500.

We calculate the death benefit as follows, assuming $0 loan balance:
The total purchase payments minus adjustments for partial surrenders:
	Total purchase payments		$ 20,000
	minus adjusted partial surrenders, calculated as:
	$1,500 × $20,000	=
	$18,000		–1,667
	The death benefit is the ROPP value of:		$ 18,333
	since this is greater than your certificate account value of $16,500

RiverSource Retirement Group Annuity Contract I [Member] | Account Value Equals or Exceeds 50,000 [Member]

Administrative Expense, Maximum [Dollars]

$ 20

Administrative Expense, Current [Dollars]

RiverSource Retirement Group Annuity Contract I [Member] | Charge at Full Surrender [Member]

Administrative Expense, Maximum [Dollars]

Administrative Expense, Current [Dollars]

$ 0

RiverSource Retirement Group Annuity Contract I [Member] | Standard Death Benefit available for certificate owners age 79 and younger [Member]

Standard Death

Benefit

(available for

certificate

owners age 79

and younger)

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

Provides a guaranteed

death benefit equal to

the greater of the

certificate account

value

, minus any loan

balance, or the Return

of Purchase Payment

Value (ROPP), minus

any loan balance

0.60%

Standard Benefit Expense (of Benefit Base), Current [Percent]

0.60%

•

Withdrawals will proportionately

reduce the benefit, which means

your benefit could be reduced by

more than the dollar amount of your

withdrawals, and such reductions

could be significant

•

Annuitizing the

Certificate

terminates the benefit.

RiverSource Retirement Group Annuity Contract I [Member] | Standard Death Benefit available for certificate owners age 80 and older [Member]

Standard Death

Benefit

(available for

certificate

owners age 79

and younger)

Standard Death

Benefit

(available for

certificate

owners age 80

and older)

Standard Benefit Expense (of Benefit Base), Maximum [Percent]

Provides a guaranteed

death benefit equal to

the

certificate account

value

, minus any loan

balance

0.60%

Standard Benefit Expense (of Benefit Base), Current [Percent]

0.60%

•

Annuitizing the

Certificate

terminates the benefit.

RiverSource Retirement Group Annuity Contract I [Member] | Dollar Cost Averaging [Member]

Standard Death

Benefit

(available for

certificate

owners age 80

and older)

Dollar Cost

Averaging

Allows the systematic

transfer of a specified

dollar amount among

the

subaccount

•

Transfers not available to or from

the

GPAs

or the Special DCA

fixed

account

RiverSource Retirement Group Annuity Contract I [Member] | Special Dollar Cost Averaging SDCA [Member]

Dollar Cost

Averaging

Special Dollar

Cost Averaging

(SDCA)

Allows the systematic

transfer from the

Special DCA

fixed

account

to one or more

eligible

subaccount

•

Must be funded with a purchase

payment, not transferred

certificate

account value

•

Only 6-month and 12-month options

may be available

•

Transfers occur on a monthly basis

and the first monthly transfer

occurs one day after we receive

your purchase payment

•

You may not use the GPA account or

the Special DCA

fixed account

as a

destination for the Special DCA

monthly transfer.

RiverSource Retirement Group Annuity Contract I [Member] | Asset Rebalancing [Member]

Special Dollar

Cost Averaging

(SDCA)

Asset

Rebalancing

Allows you to have your

investments

periodically rebalanced

among the

subaccount

s to your

pre-selected

percentages

•

You must have $2,000 in

Certificate

account value to

participate.

•

We require 30 days notice for you to

change or cancel the program

•

You can request rebalancing to be

done either quarterly, semiannually

or annually

RiverSource Retirement Group Annuity Contract I [Member] | Automated Partial Surrenders Systematic Withdrawals [Member]

Asset

Rebalancing

Automated

Partial

Surrenders/

Systematic

Withdrawals

Allows automated

partial surrenders from

the

contract

•

Additional systematic payments are

not allowed with automated partial

surrenders

•

May result in income taxes and IRS

penalty on all or a portion of the

amounts surrendered

RiverSource Retirement Group Annuity Contract I [Member] | Market Value Adjustment [Member]

Automated

Partial

Surrenders/

Systematic

Withdrawals

Item 3. Key Information [Line Items]

Key Information, Contract Adjustments if Amounts are Removed [Text Block]

You could lose up to

100

% of the amount withdrawn from

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 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.

Key Information, Maximum Loss Resulting from Negative Adjustment [Percent]

100.00%

Key Information, Example of Maximum Loss Resulting from Negative Adjustment [Text Block]

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 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.

Key Information, Example of Maximum Loss on One Hundred Thousand Dollars Resulting from Negative Adjustment

$ 100,000

Contract Adjustment, Maximum Potential Loss Over Amount Withdrawn [Percent]

^[6]

100.00%

Item 7. Charges and Adjustments [Line Items]

Contract Adjustment [Table Text Block]

Adjustments

Market Value Adjustments

We guarantee the

certificate account

value allocated to the GPAs, including interest credited, if you do not make any

transfers or

surrenders

from the GPAs prior to 30 days before the end of the guarantee period.

At all other times, and

unless one of the exceptions described below applies, we will apply an MVA if you make certain transactions while you

have

certificate account

value invested in a GPA.

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.

No MVA will apply to amounts deducted for fees and charges.

The application of an MVA may result in either a gain or loss. You could lose up to

100

% of the amount

surrendered

a result of a negative MVA.

Under certain death benefits, the value of the death benefit is reduced proportionally when

you take a partial

surrender

based on the percentage of

certificate account

value that is withdrawn. If you request a

partial

surrender

from the GPAs that will give you the net amount you requested after we apply any applicable MVA

and

certificate administrative charge

, the MVA could increase or decrease the percentage of

certificate account

value that is

withdrawn.

In these circumstances, a negative MVA would increase the impact of a partial

surrender

on the value of the

death benefit.

When you request an early

surrender

, we adjust the early

surrender

amount by an MVA formula. The MVA is sensitive to

changes in current interest rates. The MVA, which can be zero, positive or negative, reflects the relationship between

the guaranteed interest rate that applies to the GPA from which you are taking an early

surrender

and the interest rate

we are then currently crediting on new GPAs that mature at the same time. The magnitude of any applicable MVA will

depend on the difference in these current guaranteed interest rates at the time of the early

surrender

corresponding to

the time remaining in your guarantee period and your guaranteed interest rate.

If interest rates have increased, the MVA

will generally be negative and the early

surrender

amount will be less; if interest rates have decreased, the MVA will

generally be positive and the early

surrender

amount will be increased. This is summarized in the following table:

If your GPA rate is:	The MVA is:
Less than the new GPA rate + 0.10%	Negative
Equal to the new GPA rate + 0.10%	Zero
Greater than the new GPA rate + 0.10%	Positive

The precise MVA formula we apply is as follows:

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

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

Certificate administrative

charges applicable to your contract

may also apply to an early

surrender

. As noted above, we

do not apply MVAs to the amounts we deduct for fees and charges

. Please note that when you request an early

surrender

, we

surrender

an amount from your GPA that will give you the net amount you requested after we apply the

MVA

and any applicable certificate administrative charge,

unless you request otherwise.

Contact our Service Center at the number listed on the cover page of this prospectus for a quote of the impact an early

surrender

would have on your

certificate account

value.

Values fluctuate daily and the actual MVA applied at the time an

early

surrender

is processed may be more or less than the values quoted at the time of your call.

Additional information

about MVAs, including MVA examples, is located in the Statement of Additional Information (“SAI”).

The MVA is intended to protect us from losses on the investments we hold to support our guaranteed interest rates

when we must pay out amounts that are removed from the GPAs early.

RiverSource Retirement Group Annuity Contract I [Member] | One Year Guarantee Period Account [Member]

1 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

1 year

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Two Year Guarantee Period Account [Member]

2 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

2 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Three Year Guarantee Period Account [Member]

3 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

3 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Four Year Guarantee Period Account [Member]

4 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

4 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Five Year Guarantee Period Account [Member]

5 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

5 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Six Year Guarantee Period Account [Member]

6 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

6 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Seven Year Guarantee Period Account [Member]

7 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

7 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Eight Year Guarantee Period Account [Member]

8 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

8 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Nine Year Guarantee Period Account [Member]

9 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

9 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Ten Year Guarantee Period Account [Member]

10 Year Guarantee Period Account

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

10 years

0.00%

RiverSource Retirement Group Annuity Contract I [Member] | Loan Account [Member] | Point to Point 1 Year [Member]

Loan Account