Form 497VPU RIVERSOURCE VARIABLE

December 31, 2025 4:04 PM EST
 
Supplement dated December 31, 2025
to the
Prospectus and Summary Prospectus
dated September 22, 2025
Product Name
Prospectus Form #
RAVA 5 Access® Variable Annuity
PRO9104_12_D01_(05/25)
ISP9104_12_D01_(05/25)
USP9104_12_D01_(05/25)
The information in this supplement updates and amends certain information contained in the prospectus and summary prospectuses referenced above. Please read it carefully and keep it with your product prospectuses for future reference. Except as modified in this supplement, all other terms and information contained in the prospectuses remain in effect and unchanged.
Effective January 1, 2026, the table in the section "Appendix A: Investment Options Available Under the Contract" of the Prospectus and Summary Prospectuses with respect to fixed options available under the Contract is hereby superseded and replaced with the following:
The following is a list of Fixed Options currently available under the Contract. We may change the features of the Fixed Options listed below or terminate existing Fixed Options. We will provide you with written notice before doing so.
Note: If amounts are withdrawn from a Fixed Option before the end of its term, we will not apply a contract adjustment. 
Name
Term
Contract
Issue
Year
Minimum
Guaranteed
Interest Rate
Special DCA Fixed Account
6 Months
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
2020
1.00%
2021
1.00%
2022
1.00%
2023
2.95%
2024
3.00%
2025
2.65%
2026
2.40%
 
THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE.
 
SUP9104-0004_(12/25)
1

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