Form 497VPU RIVERSOURCE VARIABLE

April 29, 2026 9:06 AM EDT
RiverSource® Survivorship Variable Universal Life Insurance
INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY
 
Issued by:
RiverSource Life Insurance Company (RiverSource Life)
 
70100 Ameriprise Financial Center
Minneapolis, MN 55474
Telephone: 1-800-862-7919
(Service Center)
Website address: riversource.com/lifeinsurance
RiverSource Variable Life Separate Account
Updating Summary Prospectus
May 1, 2026
The Prospectus for the RiverSource Survivorship Variable Universal Life Insurance (SVUL) (the Contract) is available and contains more information about the Contract, including its features, benefits and risks. You can find the current prospectus and other information about the Contract online at riversource.com/lifeinsurance. You can also obtain this information at no cost by calling 1-800-862-7919 or by sending an email request to [email protected].
Additional information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 1
Key Terms
These terms can help you understand details about your policy.
Accumulation Unit: An accounting unit used to calculate the value of the Subaccounts.
Attained Insurance Age: An Insured's Insurance Age plus the number of Policy Anniversaries since the Policy Date. Attained Insurance Age changes only on a Policy Anniversary.
Beneficiary: The person(s) or entity(ies) designated to receive the death benefit Proceeds.
Cash Surrender Value: Proceeds received if you surrender the policy in full. The Cash Surrender Value equals the Policy Value minus Indebtedness and any applicable Surrender Charges.
Close of Business: The time the New York Stock Exchange (NYSE) closes, 4 p.m. Eastern time unless the NYSE closes earlier.
Code: The Internal Revenue Code of 1986, as amended.
Death Benefit Valuation Date: The date of the last surviving Insured’s death when death occurs on a Valuation Date. If the last surviving Insured does not die on a Valuation Date, then the Death Benefit Valuation Date is the next Valuation Date following the date of the last surviving Insured’s death.
Duration: The number of years a policy is in force. For example, Duration 1 is the first year the policy is in force and Duration 15 is the 15th year the policy is in force.
Fixed Account: The portion of the Policy Value that earns interest at a fixed rate not less than the guaranteed interest rate as shown under Policy Data.
Fixed Account Value: The portion of the Policy Value that you allocate to the Fixed Account, including Indebtedness.
Full Surrender: The withdrawal of the full Cash Surrender Value and termination of the policy.
Funds: Mutual funds or portfolios, each with a different investment objective. (See “The Variable Account and the Funds.”) Each of the Subaccounts of the Variable Account invests in a specific one of these Funds.
Good Order: We cannot process your transaction request relating to the policy until we have received the request in Good Order at our Service Center. “Good Order” means the actual receipt of the requested transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in “Good Order,” your instructions must be sufficiently clear so that we do not need to exercise any discretion to follow such instructions. This information and documentation generally includes your completed request; the policy number; the transaction amount (in dollars); the names of and allocations to and/or from the Subaccounts, the Indexed Accounts and the Fixed Account affected by the requested transaction; Social
Security Number or Taxpayer Identification Number; and any other information, forms or supporting documentation that we may require. For certain transactions, at our option, we may require the signature of all policy Owners for the request to be in Good Order. With respect to purchase requests, “Good Order” also generally includes receipt of sufficient payment by us to effect the purchase. We may, in our sole discretion, determine whether any particular transaction request is in Good Order, and we reserve the right to change or waive any Good Order requirements at any time.
Indebtedness: All existing loans on the policy plus interest that has either been accrued or added to the policy loan.
Indexed Account: The portion of the Policy Value that has the ability to earn interest based on a change in the value of one or more designated indexes.
Insurance Age: The age of an Insured, based upon his or her nearest birthday on the date of the application.
Insured: The person(s) whose life(ves) is/are insured by the policy.
Lapse: The policy ends without value and no death benefit is paid.
Monthly Date: The same day each month as the Policy Date. If there is no Monthly Date in a calendar month, the Monthly Date is the first day of the next calendar month.
Net Amount at Risk: A portion of the death benefit equal to the current death benefit divided by the guaranteed interest rate factor shown under Policy Data minus the Policy Value. This is the amount to which we apply cost of insurance rates in determining the monthly cost of insurance.
Net Premium: The premium paid minus the premium expense charge.
No-Lapse Guarantee (NLG): A feature of the policy guaranteeing that the policy will remain in force over the No-Lapse Guarantee Period even if the Cash Surrender Value is insufficient to pay the monthly deduction. This feature is in effect as long as certain premium payment requirements are met.
No-Lapse Guarantee Period: The maximum duration the NLG can be in effect if the premium payment requirements are met. The No-Lapse Guarantee Period for the NLG is shown under Policy Data and depends on the youngest Insured’s Insurance Age.
No-Lapse Guarantee Premium: The premium amount used to determine if the NLG is in effect. The NLG Premium is shown under Policy Data and depends on the Insureds’ Insurance Ages, sexes (unless unisex rates are required by law), Risk Classifications, optional insurance benefits added by rider, the initial Specified Amount and death benefit option.
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 3
Owner: The entities to which, or individuals to whom, we issue the policy or to whom you subsequently transfer ownership. The Owner is authorized to make changes to the policy and request transactions involving Policy Value. In the prospectus “you” and “your” refer to the Owner.
Partial Surrender: The withdrawal of an amount of the Policy Value that is less than the full Cash Surrender Value. Sometimes we refer to a Partial Surrender as a withdrawal.
Policy Anniversary: The same day and month as the Policy Date each year the policy remains in force.
Policy Data: The portion of the policy that includes specific information on your policy regarding your policy’s benefits, amount and duration of guaranteed charges, premium information, and other benefit data applicable to the Insureds.
Policy Date: The date we issue the policy and from which we determine policy anniversaries, policy years and policy months. The Policy Date is shown under Policy Data.
Policy Value: The sum of the Fixed Account Value plus the Variable Account Value plus the values of the Indexed Account(s).
Proceeds: The amount payable under the policy as follows:
•
Upon death of the last surviving Insured prior to the date the youngest Insured has reached Attained Insurance Age 120, Proceeds will be the death benefit in effect as of the date of the last surviving Insured’s death, minus any Indebtedness.
•
Upon death of the last surviving Insured on or after the youngest Insured has reached Attained Insurance Age 120, Proceeds will be the greater of:
—
the Policy Value on the date of the last surviving Insured’s death minus any Indebtedness on the date of that Insured’s death; or
—
the death benefit at the youngest Insured’s Attained Insurance Age 120 Policy Anniversary minus any partial surrenders and partial surrender fees occurring after the youngest Insured’s Attained Insurance Age 120 Policy Anniversary minus any Indebtedness on the date of the last surviving Insured’s death.
•
On Full Surrender of the policy, the Proceeds will be the Cash Surrender Value.
Pro Rata Basis: Method for allocating amounts to the Fixed Account and to each of the Subaccounts. It is proportional to the value (minus any Indebtedness in the Fixed Account and/or the value of the Fixed Account that is part of a Special Dollar-Cost Averaging (“SDCA”) arrangement) that each bear to the total Policy Value minus Indebtedness, the values of the Indexed Accounts, and the value of the Fixed Account that is part of an SDCA arrangement.
Risk Classification: A group of Insureds that RiverSource Life expects will have similar mortality experience.
RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.
Scheduled Premium: A premium you select at the time of application, of a level amount, at a fixed interval of time.
Service Center: Our department that processes all transaction and service requests for the policies. We consider all transaction and service requests received when they arrive in Good Order at the Service Center. Any transaction or service requests sent or directed to any location other than our Service Center may end up delayed or not processed. Our Service Center address and telephone number are listed on the first page of the prospectus.
Specified Amount: An amount chosen by you that we use to determine the death benefit and the Proceeds payable upon death of the last surviving Insured prior to the youngest Insured’s Attained Insurance Age 120 Policy Anniversary. If death benefit option 1 is chosen, this is the amount of life insurance coverage you want. For death benefit option 2 and 3, this is the minimum amount of life insurance coverage. We show the initial Specified Amount you have chosen in your policy.
Subaccounts: Each Subaccount is a separate investment division of the Variable Account and invests in a particular portfolio or Fund.
Surrender Charge: A charge we assess against the Policy Value at the time of surrender, or if the policy Lapses, during the first ten years of the policy and for ten years after an increase in coverage.
Valuation Date: Any normal business day, Monday through Friday, on which the New York Stock Exchange (NYSE) is open, up to the time it closes, generally 4:00 PM Eastern Time. At the NYSE close, the next Valuation Date begins. We calculate the Accumulation Unit value of each Subaccount on each Valuation Date. If we receive your transaction request at our Service Center before the Close of Business, we will process your transaction using the Accumulation Unit value we calculate on the Valuation Date we received your transaction request in Good Order. On the other hand, if we receive your transaction request in Good Order at our Service Center at or after the Close of Business, we will process your transaction using the Accumulation Unit value we calculate on the next Valuation Date. If you make a transaction request by telephone (including by fax), you must have completed your transaction by the Close of Business in order for us to process it using the Accumulation Unit value we calculate on that Valuation Date. If you were not able to complete your transaction before the Close of Business for any reason, including telephone service interruptions or delays due to high call volume, we will process your transaction using the Accumulation Unit value we calculate on the next Valuation Date.
Valuation Period: The interval that commences at the Close of Business on each Valuation Date and goes up to the Close of Business on the next Valuation Date.
4 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Variable Account: RiverSource Variable Life Separate Account consisting of Subaccounts, each of which invests in a particular Fund. The Policy Value in each Subaccount depends on the performance of the particular Fund.
Variable Account Value: The sum of the values that you allocate to the Subaccounts of the Variable Account.
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 5
Updated Information About Your Policy
UNDERLYING FUNDS
•
Effective June 28, 2025, Neuberger Berman AMT Sustainable Equity Portfolio changed its name to Neuberger Berman Quality Equity Portfolio.
6 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Important Information You Should Consider About the Policy 
 
FEES AND EXPENSES
Location in
Statutory
Prospectus
Charges for Early
Withdrawals
If you surrender your policy for its full Cash Surrender Value, or the policy
Lapses, during the first 10 years and for 10 years after requesting an
increase in the Specified Amount, you will incur a Surrender Charge. The
Surrender Charges are set based on various factors such as the Insureds’
Insurance Ages (or Attained Insurance Ages at the time of a requested
increase in the Specified Amount), Risk Classifications and the number of
years the policy has been in force (or for the number of years from the
effective date of an increase in Specified Amount). The maximum initial
Surrender Charge rate that would be charged on any policy would be
$42.828 per $1,000 of initial Specified Amount.  Therefore, if a Full
Surrender occurs on a policy that was issued with a $1,000,000 initial
Specified Amount, the maximum initial Surrender Charge would be
$42,828 which is 42.828 times $1,000,000 divided by 1,000.  This
Surrender Charge for the initial Specified Amount will remain level for the
first five policy years and then decrease monthly until it is zero at the end
of the tenth policy year.
The Surrender Charges that apply to your policy are shown under the Policy
Data page of your policy.
Fee Tables
Transaction Fees
Base Policy
Charges
Transaction
Charges
In addition to Surrender Charges, you may also incur charges on other
transactions, such as a premium expense charge, partial Surrender
Charge, express mail fee, electronic fund transfer fee, and fees imposed
when exercising your rights under the Overloan Protection Benefit and the
Policy Split Option Rider. If you take a loan against the policy, you will be
charged a loan interest rate on any outstanding balance until the loan is
paid off.
Fee Tables
Ongoing Fees and
Expenses (annual
charges)
In addition to Surrender Charges and transaction charges, an investment in
the policy is subject to certain ongoing fees and expenses, including fees
and expenses covering the cost of insurance under the policy and the cost
of the Accounting Value Increase Rider and the Four-Year Term rider if they
are elected as optional benefits available under the policy. Such fees and
expenses are set based on various factors such as the Insureds’ Risk
Classifications, Issue Ages, genders and the number of years the policy is
in force. You should review the rates, fees and charges under the Policy
Data page of your policy.
You will also bear expenses on the Policy Value in the Indexed Accounts at
an annual rate of 0.60% applied monthly.
You will also bear expenses associated with the Funds offered under the
policy, as shown in the following table:
Fee Tables
Transaction Fees
Base Policy
Charges
Annual Fee
Minimum
Maximum
Underlying Fund options
(Funds fees and expenses)(1)
0.26%
2.07%
(1) As a percentage of fund assets.
 
RISKS
 
Risk of Loss
You can lose money by investing in this policy including loss of principal.
Principal Risks
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 7
 
RISKS
Location in
Statutory
Prospectus
Not a Short-Term
Investment
The policy is not suitable as a short-term investment and is not appropriate
for an investor who needs ready access to cash.
The policy is a long-term investment that is primarily intended to provide a
death benefit that we pay to the Beneficiary upon the last surviving
Insured’s death.
Your policy has little or no Cash Surrender Value in the early policy years.
During early policy years the Cash Surrender Value may be less than the
premiums you pay for the policy.
Your ability to take Partial Surrenders is limited. You cannot take Partial
Surrenders during the first policy year.
Principal Risks
Risks Associated
with Investment
Options
An investment in the policy is subject to the risk of poor investment
performance and can vary depending on the performance of the
investment options available under the policy. Each investment option
(including the Fixed Account and the Indexed Accounts) has its own unique
risks. You should review the investment options before making an
investment decision. If the death benefit is option 2, the death benefit
could decrease from the death benefit on the previous Valuation Date due
to adverse investment experience.
Principal Risks
The Variable
Account and the
Funds
Insurance
Company Risks
An investment in the policy is subject to the risks related to RiverSource
Life Insurance Company ("RiverSource Life"). Any obligations (including
under the Fixed Account and the Indexed Accounts) or guarantees and
benefits of the policy that exceed the assets of the Variable Account are
subject to RiverSource Life’s claims-paying ability. If RiverSource Life
experiences financial distress, RiverSource Life may not be able to meet
their obligations to you. More information about RiverSource Life, including
their financial strength ratings, is available by contacting RiverSource Life
at 1-800-862-7919.
Additional information regarding the financial strength of RiverSource Life
can be accessed at: strengthandsoundness.com.
Principal Risks
The General
Account
Policy Lapse
Insufficient premium payments, fees and expenses, poor investment
performance, full and Partial Surrenders, and unpaid loans or loan interest
may cause the policy to Lapse. There is a cost associated with reinstating
a Lapsed policy. Death benefits will not be paid if the policy has Lapsed.
Your policy may not Lapse if the No Lapse Guarantee is in effect. Also, your
policy enters a grace period before Lapsing, allowing you additional time to
pay the amount required to keep the policy in force.
Keeping the Policy
in Force
8 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
 
RESTRICTIONS
Location in
Statutory
Prospectus
Investments
•We reserve any right to limit transfers of value from a Subaccount to
one or more Subaccounts or to the Fixed Account to five per policy year,
and we may suspend or modify this transfer privilege at any time with
any necessary approval of the Securities and Exchange Commission.
• Your transfers among the Subaccounts are subject to policies designed
to deter market timing.
• The minimum transfer amount from an investment option is $50, if
automated, and $250 by mail or telephone.
• On the youngest Insured’s Attained Insurance Age 120 anniversary, any
Policy Value in the Subaccounts will be transferred to the Fixed Account
and may not be transferred to any Subaccount or Indexed Account.
• You may only transfer between Subaccounts and the Fixed Account on a
Policy Anniversary, unless you automate such transfers.
• Restrictions into and out of the Indexed Accounts apply.
• We reserve the right to close, merge or substitute Funds as investment
options. We also reserve the right, upon notification to you, to close or
restrict any Funds. We will obtain any necessary approval of the
Securities and Exchange Commission.
• We generally limit premium payments in excess of $1,000,000.
Transfers Among
the Fixed
Account, Indexed
Accounts and
Subaccounts
Substitution of
Investments
Optional Benefits
•The Four-Year Term rider (FYT), Policy Split Option Rider (PSO), and the
Accounting Value Increase Rider (AVIR) are only available at policy
issuance.
• The FYT and PSO are not available for all Insurance Ages or Risk
Classifications that would be insured under the base policy.
• The FYT, PSO, and AVIR have termination dates prior to the termination
date of the base policy.
• The PSO, AVIR and Overloan Protection Benefit (OPB) have certain
conditions that must be satisfied to exercise the benefit of these riders.
Additional
Information About
Standard Benefits
(Other than
Standard Death
Benefits)
 
TAXES
 
Tax Implications
•You should consult with a tax professional to determine the tax
implications of an investment in and payments received under the policy.
• If your policy is a modified endowment contract, you may have to pay a
10% tax penalty if you take a withdrawal of earnings before age 59½.
Taxes
 
CONFLICTS OF INTEREST
 
Investment
Professional
Compensation
In general, we pay selling firms and their sales representatives
compensation for selling the policy.
In addition to commissions, we may, in order to promote sales of the
policies, pay or provide selling firms with other promotional incentives in
cash, credit or other compensation. These promotional incentives or
reimbursements may be calculated as a percentage of the selling firm’s
aggregate, net or anticipated sales and/or total assets attributable to
sales of the policy, and/or may be a fixed dollar amount. Selling firms and
their sales representatives may have a financial incentive to recommend
the policy over another investment.
Distribution of the
Policy
Exchanges
If you already own an insurance policy, some financial representatives may
have a financial incentive to offer you a new policy in place of one you
already own. You should only exchange an existing policy if you determine,
after comparing the features, fees and risks of both policies, that it is
better for you to purchase the new policy rather than continue to own your
existing policy.
For additional
information, see
1035 exchanges
under Other Tax
Considerations
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 9
Other Benefits Available Under the Contract
In addition to the standard death benefit(s) associated with your contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table. 
Name of Benefit
Purpose
Is the Benefit
Standard or
Optional
Brief Description of Restrictions /
Limitations
Four-Year Term
Insurance Rider
(FYT)
FYT provides a Specified Amount of
insurance. The FYT death benefit is paid
if both Insureds die during the first four
policy years.
Optional
•FYT is only available at issue.
• FYT automatically terminates on the
four-year Policy Anniversary of the
policy.
• FYT is not available if either Insured
is older than 85 or have certain
substandard Risk Classifications.
Policy Split
Option Rider
(PSO)
PSO permits a policy to be split into two
individual permanent plans of life
insurance then offered by us for
exchange, one on the life of each
Insured.
Optional
•PSO is only available at issue.
• PSO is not available for Insureds in
certain Risk Classifications.
• Both Insureds must be between
Insurance Ages 20 – 75 at issue.
• If the policy and this rider are still in
force at the oldest Insureds’ 80th
insurance anniversary, this rider will
automatically terminate.
Overloan
Protection
Benefit (OPB)
Protects the policy from Lapsing as a
result of the loan balance exceeding the
Policy Value when certain conditions are
met.
Standard
•OPB can only be exercised if the
death benefit option 1 is in effect.
• The policy must be in force for at
least 15 years before the OPB can be
exercised.
• The policy may not be in the grace
period to exercise the OPB.
Accounting Value
Increase Rider
(AVIR)
If the policy is fully surrendered while
the policy is in force and prior to the
expiration date of the rider, we will waive
a portion of the Surrender Charge.
Optional
•This rider is only available in limited
situations, determined at time of
underwriting.
• The waiver does not apply to any
Surrender Charge due to increases in
Specified Amount, or to Partial
Surrenders.
• Surrender Charges will not be waived
if the policy is being surrendered in
exchange for a new insurance policy
or contract. However, if you exercise
your right to exchange the policy for
two individual policies under the
Policy Split Option Rider, Surrender
Charges on the surrender policy
would be waived.
10 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Name of Benefit
Purpose
Is the Benefit
Standard or
Optional
Brief Description of Restrictions /
Limitations
Automated
Transfers
Automated transfer arrangements allow
you to set up periodic transfers at a set
interval (i.e. monthly, quarterly, etc.)
from one investment option to one or
more investment option(s) under the
policy.
Standard
•Only one automated transfer
arrangement can be in effect at any
time.
•  Only one account can be used as the
source of funds in the automatic
transfer arrangement.
•  The Indexed Accounts may not be
used as the source of funds for any
automated transfer arrangement.
•  If the Fixed Account is the source of
funds, you cannot set up an
automated transfer amount that
would deplete the Fixed Account in
less than 12 months.
•  If the value of the source of funds
account is less than the requested
automated transfer amount, that
occurrence of the automated transfer
will not process.
•  The minimum automatic transfer
amount is $50.
•  You must allow seven days for us to
change any automated transfer
arrangement instructions that are
currently in place.
•  If your policy enters a transfer
restriction period, any automated
transfer arrangement that moves
money to an Indexed Account will be
terminated.
•  If you made a transfer from the Fixed
Account to one or more Subaccounts,
you may not make a transfer from
those Subaccounts back to the Fixed
Account until the next Policy
Anniversary.
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 11
Name of Benefit
Purpose
Is the Benefit
Standard or
Optional
Brief Description of Restrictions /
Limitations
Automated
Dollar-Cost
Averaging (DCA)
A DCA arrangement is an automated
transfer arrangement designed to help
you benefit from fluctuations in
Accumulation Unit values caused by
fluctuations in the market values of the
underlying Funds. Under a DCA
arrangement, since you invest the same
amount each period, you automatically
acquire more units when market values
fall, fewer units when it rises. The
potential effect is to lower your average
cost per unit. There is no charge for
DCA.
Standard
•Only one automated transfer
arrangement can be in effect at any
time.
•  Only one account can be used as the
source of funds in the automatic
transfer arrangement.
•  The Indexed Accounts may not be
used as the source of funds for any
automated transfer arrangement.
•  If the Fixed Account is the source of
funds, you cannot set up an
automated transfer amount that
would deplete the Fixed Account in
less than 12 months.
•  If the value of the source of funds
account is less than the requested
automated transfer amount, that
occurrence of the automated transfer
will not process.
•  The minimum automatic transfer
amount is $50.
•  You must allow seven days for us to
change any automated transfer
arrangement instructions that are
currently in place.
•  If your policy enters a transfer
restriction period, any automated
transfer arrangement that moves
money to an Indexed Account will be
terminated.
•  If you made a transfer from the Fixed
Account to one or more Subaccounts,
you may not make a transfer from
those Subaccounts back to the Fixed
Account until the next Policy
Anniversary.
 
Special
Dollar-Cost
Averaging
(SDCA)
An SDCA arrangement is an automated
transfer arrangement designed to help
you benefit from fluctuations in
Accumulation Unit values caused by
fluctuations in the market values of the
underlying Funds. Under an SDCA
arrangement, net Premiums and/or
Policy Value is allocated to the SDCA
portion of the Fixed Account. These
amounts are then subsequently
transferred, on a monthly basis and over
a 12-month period, to accounts
according to the premium allocation
currently in effect at the time of each
transfer. The potential effect of this
option is that it may allow you to lower
your average cost per unit. There is no
charge for SDCA.
Standard
•The Fixed Account is the source of
funds.
• The minimum SDCA transfer amount
is $50.
• If an SDCA transfer amount is
allocated to one or more
Subaccounts, you may not make a
transfer from those Subaccounts
back to the Fixed Account until the
next Policy Anniversary.
12 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Name of Benefit
Purpose
Is the Benefit
Standard or
Optional
Brief Description of Restrictions /
Limitations
Asset
Rebalancing
The asset rebalancing feature
automatically transfers Policy Value
between Subaccounts at set intervals
(i.e. monthly, quarterly, etc.) to
correspond to your chosen allocation
percentages among Subaccounts.
Standard
•The Policy Value reallocated must be
at least $2,000 at the time the asset
rebalancing is set up.
•  Asset rebalancing does not apply to
Policy Value in the Fixed Account and
Indexed Accounts.
•  Asset rebalancing must occur
quarterly, semiannually or annually.
•  You must allow 30 days for us to
change any asset rebalancing
instructions that currently are in
place.
Policy Value
Credit
Increases your Policy Value.
Standard
•Policy value credit applied is
nonforfeitable, except indirectly due
to any applicable Surrender Charge.
•  Any policy value credit will be
calculated and applied annually,
quarterly or monthly.
•  The policy value credit percentage
may change.
Additional Information About Optional Benefits
When you purchase your policy, you may add any available optional benefits to your policy in the form of riders for an additional charge (unless otherwise noted).
Four-Year Term Insurance Rider (FYT): The four-year term insurance rider provides a pre-specified death benefit to the Beneficiary if the last surviving Insured dies during the first four years of the policy. The rider automatically terminates on the policy’s four-year Policy Anniversary. The purpose of this rider is to cover the additional estate taxes that could become due if the policy is transferred to an irrevocable trust or to a third party within three years of purchase. The rider is not available if either Insured is older than age 85, would not be eligible for an individual life insurance product, or has a life expectancy of less than one year. The minimum rider death benefit available is $50,000. The maximum rider death benefit available is 1.22 times the sum of the base policy Specified Amount. The rider Specified Amount can be decreased (not below $50,000) once per year or dropped from the policy after issue, but the rider amount cannot be increased or a rider added once the policy has been issued. If the base policy Specified Amount is decreased at any time, or a change in death benefit option from 1 to 2 is made where the base policy Specified Amount is reduced, the rider Specified Amount will also be decreased so that it does not exceed 1.22 times the base policy Specified Amount. If a change in death benefit option 2 to 1 is made, and the base policy Specified Amount is increased, the rider Specified Amount will not be increased. If the PSO is exercised, the FYT will terminate. The FYT cannot be split or carried over to the new policies.
The FYT will terminate on the earliest of the following:
1.
The month and date on or next following receipt of your written request for coverage to end; or
2.
The four-year Policy Anniversary, as shown under Policy Data; or
3.
The date the policy terminates.
Example:
John and Jane Doe purchase a base policy with a $2,000,000 Specified Amount, death benefit option 1, and the Four-Year Term Insurance Rider (FYT) with a rider Specified Amount of $2,440,000, the maximum rider specified amount that can be purchased. If the last surviving Insured passes away prior to the end of the fourth policy year, the Proceeds payable will be $4,440,000 which is the sum of the base policy Specified Amount ($2,000,000) and the FYT Specified Amount ($2,440,000). If the last surviving Insured passes away in the fifth policy year or later, the Proceeds payable will be $2,000,000 which is the base policy Specified Amount.
Policy Split Option Rider (PSO): The policy split option provides for the split of the policy into two individual plans of insurance, one on the life of each Insured, upon the occurrence of any of the following events:
1.
divorce of the Insureds; or
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 13
2.
the federal tax law is changed resulting in removal of the unlimited marital deduction or reduces by at least 50% the level of the estate taxes payable on death; or
3.
there is a dissolution of a business partnership between the Insureds; or
4.
there is a dissolution of a business conducted or owned by the Insureds.
Both Insureds must be living at the time of the policy split. The policy split must be exercised no sooner than six months after a divorce and no later than one year after the divorce; within one year after an estate tax law change; or within six months of the dissolution of the business or partnership.
If the split is exercised, the initial Specified Amount on each new policy will be 50% of the Specified Amount of the split policy, minus 50% of any Indebtedness. The new policies will be individual permanent life insurance products we are issuing at the time of the split. The Policy Value minus any Indebtedness will be split equally and applied as premium payments on the new policies. Both the Surrender Charges on the split policy and any premium expense charges on the new policies will be waived resulting in the total Policy Value less Indebtedness on the new policies to be the same as the Policy Value less indebtedness of the split policy. The new policies’ rates will be based on each Insured’s Attained Insurance Age and the Insureds’ Risk Classifications in the old policies.
If the new policies are variable life insurance policies, the value of the new policies will be calculated using the Funds’ current net asset value. The total Policy Value less Indebtedness of the new policies will be the same as the Policy Value less indebtedness of the split policy.
The PSO automatically terminates at the oldest Insured’s Attained Insurance Age 80. The PSO may terminate earlier at the request of the policy owner, death of one of the Insureds, or when the policy is split.
Example:
Jane and John Doe are married and purchase a base policy with a $2,000,000 Specified Amount and the Policy Split Option Rider (PSO). Both are Insurance Age 60. Jane qualifies for the standard nontobacco risk class and John qualifies for the standard nontobacco risk class. At the beginning of the 11th policy year, when John and Jane are both Attained Insurance Age 70, a final divorce decree is issued by a court. Seven months later, Jane and John exercise the PSO rider. Upon exercise, the $210,000 Policy Value of the current policy will be reduced by the $250 rider exercise charge which results in a final Policy Value of $209,750. Both John and Jane will each receive an individual permanent life insurance policy then offered by us with a $1,000,000 Specified Amount which is the Specified Amount of the current policy divided by two. Both will be Insurance Age 70 and retain the risk class as under the current policy. A premium of $104,875, which is the final Policy Value of the current policy divided by two, will be applied to each of the new individual policies and the any premium expense charge on the new policies will be waived.
Accounting Value Increase Rider (AVIR): If the policy is fully surrendered while the rider is in force and prior to the expiration of the rider at the end of the eighth policy year, we will waive a portion of the Surrender Charge. The percentage waived is set at issue and applies to all AVIRs. The percentage waived is shown in the table below.
Please note the following about AVIR:
•
The amount waived is a percentage of the Surrender Charge that would apply to the initial Specified Amount.
•
The waiver does not apply to any Surrender Charge due to increases in Specified Amount, or to Partial Surrenders.
•
Surrender Charges will not be waived if the policy is being surrendered in exchange for a new insurance policy or contract.
During the surrender charge period of the policy, the percentage waived at Full Surrender is shown below: 
Policy Years(s)
% of Surrender Charge Waived
1 - 4
100%
5
80%
6
65%
7
50%
8
35%
9+
0%
Example:
John and Jane Doe purchase a base policy with a $2,000,000 Specified Amount and the Accounting Value Increase Rider (AVIR). John and Jane decide to do a Full Surrender in the sixth policy year when the Policy Value is $210,000 and the Surrender Charge is $40,000. Due to the AVIR, instead of paying the Surrender Charge of $40,000, we will waive 65%, or $26,000, resulting in an actual Surrender Charge of $14,000. Therefore, the final Proceeds payable upon Full Surrender would be $196,000 which is the $210,000 Policy Value minus the actual Surrender Charge of $14,000.
14 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Additional Information About Standard Benefits (Other than Standard Death Benefits)
In addition to the standard death benefits, other standard benefits are included with your policy at no additional cost, as described further below.
Automated Transfers: You can arrange to have Policy Value transferred from one account to another automatically. Only one automated transfer arrangement can be in effect at any time. You can transfer all or part of the value of a Subaccount to one or more of the other Subaccounts, one or more of the Indexed Accounts and/or to the Fixed Account. You can transfer all or part of the Fixed Account Value, minus Indebtedness, to one or more of the Subaccounts and/or one or more of the Indexed Accounts. Only one account can be used as the source of funds for any automated transfer arrangement. The Indexed Accounts may not be used as the source of funds for any automated transfer arrangement. If the Fixed Account is the source of funds for the arrangement, you cannot set up an automated transfer amount that would deplete the Fixed Account in less than 12 months. There is no such restriction on automated transfer arrangements that transfer value from the Fixed Account to one or more of the Indexed Accounts only.
The minimum automated transfer amount is $50. On the date of a transfer, if the Policy Value in the source of funds account is less than the amount to be transferred under the arrangement, the transfer will not be processed.
If your policy has entered a transfer restriction period that will last for 12 months, during this period transfers from the Fixed Account or the Subaccounts to any Indexed Account will not be allowed. Any automated transfer arrangement that moves money to an Indexed Account will be terminated. Premiums and loan repayments allocated to an Indexed Account during this period will be redirected to the Fixed Account.
If you made a transfer from the Fixed Account to one or more Subaccounts, you may not make a transfer from those Subaccounts back to the Fixed Account until the next Policy Anniversary.
You may make automated transfers by choosing a schedule we provide. You must allow seven days for us to change any automated transfer arrangement instructions that are currently in place.
The example below illustrates how an automated transfer arrangement works.
John and Jane Doe purchase a base policy. They make a one-time premium payment at issue of $120,000 and allocate it all to the Fixed Account. They set up an automated transfer arrangement to transfer $10,000 a month from the Fixed Account equally into two Subaccounts over a 12-month period. The following shows the transaction that will automatically take place each of the next 12 months. 
Policy Value Transferring Into or Out of Each Account
Frequency
Fixed Account
Subaccount #1
Subaccount #2
Monthly
-10,000
+5,000
+5,000
Dollar-Cost Averaging: Dollar-cost averaging involves investing a fixed amount at regular intervals. For example, you might have a set amount transferred monthly from a relatively conservative Subaccount to a more aggressive one, or to several others. This systematic approach can help you benefit from fluctuations in Accumulation Unit values caused by fluctuations in the market values of the underlying Fund. Since you invest the same amount each period, you automatically acquire more units when the market value falls, fewer units when it rises. The potential effect is to lower your average cost per unit. There is no charge for dollar-cost averaging.
Example: 
By investing an equal number
of dollars each month…
 
Month
Amount
Invested
Accumulation
Unit Value
Number
of Units
Purchased
 
Jan
$100
$20
5.00
 
Feb
100
18
5.56
you automatically buy
more units when the
per unit market price is low…
Mar
100
17
5.88
→
Apr
100
15
6.67
 
May
100
16
6.25
 
June
100
18
5.56
 
July
100
17
5.88
and fewer units
when the per unit
market price is high.
Aug
100
19
5.26
→
Sept
100
21
4.76
 
Oct
100
20
5.00
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 15
You have paid an average price of only $17.91 per unit over the ten months, while the average market price actually was $18.10.
Dollar-cost averaging does not guarantee that any Subaccount will gain in value, nor will it protect against a decline in value if market prices fall. Because this strategy involves continuous investing, your success with dollar-cost averaging will depend upon your willingness to continue to invest regularly through periods of low price levels.
Special Dollar-Cost Averaging (SDCA): Under an SDCA arrangement, you may allocate SDCA allocations to the SDCA portion of the Fixed Account. SDCA allocations will be transferred out over a period of time, currently 12 months. SDCA transfers will automatically occur monthly on each Monthly Date anytime there is value in the SDCA portion of the Fixed Account. SDCA transfers will be allocated to Subaccounts, Indexed Accounts or the non-SDCA portion of the Fixed Account according to the premium allocation in effect at the time of each transfer.
You may cancel an SDCA arrangement at any time by transferring the remaining value allocated to the SDCA arrangement to any other account. Any Fixed Account transfer rules will apply to such transfers. We reserve the right to discontinue the ability to allocate additional amounts to the SDCA arrangement. If this occurs, SDCA transfers will continue as described for any previous SDCA allocations that are already part of an SDCA arrangement. We also reserve the right to make another account available as the account to which SDCA allocations are allocated to and/or offer additional transfer periods (e.g. 6-months or 9-months).
An SDCA arrangement does not guarantee that any Subaccount or other Policy Value will gain in value, nor will it protect against a decline in Policy Value if market prices fall. Because this strategy involves continuous investing, your success with SDCA will depend upon your willingness to continue to invest regularly through periods of low-price levels. For further information regarding SDCA, see “Special Dollar-Cost Averaging”.
Asset Rebalancing: Subject to availability, you can set up an asset rebalancing arrangement to reallocate the variable Subaccount portion of your Policy Value according to the percentages (in whole percentage amounts) that you choose. The Policy Value must be at least $2,000 at the time the arrangement is set up. Asset rebalancing does not apply to the Fixed Account or Indexed Accounts. We automatically will rebalance the variable Subaccount portion of your Policy Value quarterly, semiannually or annually. The period you select will start to run on the date you specify. On the first Valuation Date of each of these periods, we automatically will rebalance your Policy Value so that the value in each Subaccount matches your current Subaccount percentage allocations. We rebalance by transferring Policy Value between Subaccounts. You can change your percentage allocations or your rebalancing period at any time. We will restart the rebalancing period you selected as of the date you specify. You may discontinue the asset rebalancing arrangement at any time. There is no charge for asset rebalancing.
Example:
John and Jane Doe purchase a base policy and request quarterly automatic asset rebalancing. The following shows what transactions will take place on a quarterly asset rebalancing date to reallocate the $200,000 value in the Subaccounts according to the chosen Subaccount percentage allocations. 
Accounts
Asset Rebalance
Subaccount
Percentage
Allocations
Policy Value before
Asset
Rebalancing
Asset Rebalancing
Transactions
between
Subaccounts
Fixed Account
 
$50,000
 
Indexed Account #1
 
$50,000
 
Subaccount #1
50%
$120,000
-$20,000
Subaccount #2
25%
$45,000
+$5,000
Subaccount #3
25%
$35,000
+15,000
Total Policy Value
 
$300,000
 
Policy Value Credit. We may periodically apply a policy value credit to your Policy Value. The requirements that must be met to receive any policy value credit are shown under Policy Data section of the policy. The amount of the policy value credit is determined by multiplying the policy value credit percentage times the Policy Value minus any Indebtedness at the time the calculation is made. We reserve the right to calculate and apply any policy value credit annually, quarterly or monthly.
Any policy value credit will be allocated according to your premium allocation percentages in effect. Any policy value credit is nonforfeitable, except indirectly due to any applicable Surrender Charge.
We reserve the right to change the policy value credit percentage based on our expectations of future investment earnings, persistency, expenses and/or federal and state tax assumptions. However, it will never be less than zero.
16 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Example:
John and Jane Doe purchase a base policy with a $2,000,000 Specified amount. The current policy value credit is an annual rate of 0.15% applied quarterly in policy years 21 and later. On the 21st policy anniversary their Policy Value is $800,000 and outstanding Indebtedness is $100,000. A Policy Value Credit of ($800,000 - $100,000) x 0.15% / 4 = $262.50 is applied to the policy and allocated to the Fixed Account, Indexed Account(s) and Subaccounts according to the premium allocations in effect.
Overloan Protection Benefit (OPB). The overloan protection benefit prevents the policy from Lapsing due to the loan balance exceeding Policy Value. The OPB is included with new policies. The feature may be exercised by the policy Owner when all of the following conditions are met:
•
The policy has been in force for at least 15 years; and
•
The youngest Insured’s Attained Insurance Age is at least 75 but not greater than 95; and
•
Policy Indebtedness must be greater than the Specified Amount and greater than or equal to the Indebtedness percentage shown under Policy Data; and
•
The Cash Surrender Value is sufficient to pay the exercise charge; and
•
The death benefit option in effect is option 1; and
•
The policy has not yet entered the grace period; and
•
The policy is not a modified endowment contract, as defined by Section 7702A of the Internal Revenue Code, and exercising the benefit does not cause the policy to become a modified endowment contract; and
•
No current or future distributions will be required from the policy to maintain its qualification for treatment as a life insurance policy under the Internal Revenue Code; and
•
The sum of Partial Surrenders taken to date are greater than or equal to the amount that can be withdrawn from the policy without creating adverse tax consequences.
If all of the above conditions have been met, the policy owner may submit a written request to exercise the benefit to prevent the policy from entering the grace period. The benefit will become effective on the next monthly anniversary following receipt of request. Exercising the benefit is irrevocable.
A one-time charge to exercise the benefit will be deducted from Policy Value. The charge is a percentage of the Policy Value that will not exceed the maximum exercise charge of 3%.
Once the OPB has been exercised, the following changes to the base policy will occur:
1.
The policy becomes a paid-up life insurance policy and no additional premium payments will be required, nor will any premium payments be accepted; however, loan repayments will be accepted.
2.
Monthly deductions will no longer be taken.
3.
Partial Surrenders will no longer be available.
4.
Additional loans will no longer be available.
5.
Any outstanding loan will remain and interest will be charged at the current loan interest rate as shown under Policy Data.
6.
The NLG will no longer be in effect and cannot be reinstated.
7.
The death benefit option cannot be changed.
8.
Changes to the Specified Amount will no longer be allowed.
9.
Any riders attached to the policy will terminate.
Once the benefit has been exercised, the death benefit will be the applicable percentage from the Death Benefit Percentage Table as shown under Policy Data, multiplied by Policy Value or Indebtedness, whichever is greater. At the time of the exercise, this means the Death Benefit will decrease by as much as the one-time OPB exercise charge, which is currently 3%, multiplied by applicable percentage from the Death Benefit Percentage Table as shown under Policy Data. This may result in a significant reduction in the Proceeds payable upon death of the last surviving Insured. The OPB will terminate upon termination of the policy. If the policy terminates and is later reinstated, the OPB will also be reinstated with the policy. When the OPB is available to exercise, a notification will be sent to the policy owner. Once the benefit is exercised, a notification listing the changes to the policy will be sent to the policy owner.
Example:
John and Jane Doe purchase a base policy with a $2,000,000 Specified Amount, death benefit option 1, and the Overloan Protection Benefit (OPB). At the beginning of the 26th policy year:
•
Both John and Jane are Attained Insurance Age 85.
•
Premiums paid to date equal $900,000.
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 17
•
Partial Surrenders and Partial Surrender Charges amounting to $900,000 have been taken.
•
the current Specified Amount is $1,100,000 (the initial Specified Amount minus the Partial Surrenders and Partial Surrender Charges to date).
•
The Policy Value is $1,050,000.
•
There is outstanding Indebtedness equal to $920,000.
•
The death benefit is 1,102,500 which is the greater of the Specified Amount and the Policy Value times 1.05 which is the applicable percentage for the Death Benefit Percentage Table.
•
The Proceeds payable upon death of the last surviving Insured at this point in time would be $182,500 which is the death benefit of $1,102,500 minus the outstanding Indebtedness of $920,000.
At this point, John and Jane decide to exercise their OPB to prevent the policy from lapsing. The exercise of the OPB will result in the following:
•
No more premium payments are required, nor will premium payments be accepted.
•
The policy will be assessed a one-time OPB exercise charge of $31,500 resulting in an updated Policy Value of $1,018,500.
•
Outstanding Indebtedness remains at $920,000.
•
Loan repayments will still be accepted.
•
The new death benefit immediately after the exercise will be $1,069,425 which is the greater of the updated Policy Value or outstanding Indebtedness times 1.05.
•
The Proceeds payable upon death of the last surviving Insured would now be $149,425 which is the new death benefit of $1,069,425 minus the outstanding Indebtedness of $920,000.
Exchange for a Fixed Benefit Policy. For two years after the policy is issued, we may allow you to exchange your policy for a life insurance policy with benefits that do not vary with the investment experience of the Subaccounts (“Fixed Benefit Policy”). This is accomplished by a transfer of all of the value in the Subaccounts to the Fixed and/or Indexed Account(s) without charge. The rules for transferring from the Subaccounts to the Fixed Account following a Fixed Account to Subaccount transfer will be waived only once.
Depending on the timing and the individual circumstances surrounding the exchange, the Fixed Benefit Policy will be on the life of the same Insureds and at the time of the exchange will have the same Policy Date and issue ages and a death benefit at least as great as the initial death benefit of your policy (assuming no decrease in Specified Amount prior to the exchange). The exchange may be subject to an equitable cash adjustment, which will recognize the investment performance of the policy through the effective date of the exchange. An exchange will be effective when we receive a written request in Good Order.
Example:
John Doe lives in California and is the Owner and Insured of a variable universal life insurance policy. Twelve months after the policy is issued, John decides he would rather own a policy that is not subject to the investment experience of the Funds in which the Variable Account divisions that support his policy invest, and would rather own a policy that earns a fixed rate of interest. Subject to the company’s requirements, John has up to twelve more months to exchange his variable policy for a Fixed Benefit Policy without the company requiring evidence of insurability.
Changes to the Policies
We reserve the right to do any of the following:
•
make any changes necessary to maintain the status of the policy as life insurance under the Code;
•
make other changes required under federal or state law relating to life insurance;
•
suspend or discontinue sale of the policies; and
•
comply with applicable law.
We will give you any required notice and receive any regulatory approval before we make any of these changes.
18 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Appendix A: Funds Available Under the Policy
The following is a list of funds available under the policy. 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/insurance. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to [email protected].
The current expenses and performance information below reflects fee and expenses of the funds, but do not reflect the other fees and expenses that your policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each fund’s past performance is not necessarily an indication of future performance. 
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks long-term growth
of capital
AB VPS Large Cap Growth Portfolio (Class A)
AllianceBernstein L.P.
0.65%
13.13%
12.04%
16.17%
Seeks long-term capital
appreciation.
Allspring VT Opportunity Fund (Class 1)
Allspring Funds Management, LLC, adviser;
Allspring Global Investments, LLC,
subadviser.
0.75%1
7.00%
9.22%
12.13%
Seeks long-term capital
appreciation.
Allspring VT Small Cap Growth Fund
(Class 1)
Allspring Funds Management, LLC, adviser;
Allspring Global Investments, LLC,
subadviser.
0.91%
9.55%
(0.70%)
10.22%
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 I)
ALPS Advisors, Inc.
0.95%
5.09%
22.54%
11.11%
Seeks high total
investment return.
BlackRock Global Allocation V.I. Fund
(Class I)2
BlackRock Advisors, LLC, adviser; BlackRock
(Singapore) Limited and BlackRock
International Limited, sub-advisers.
0.76%1
19.80%
5.79%
7.59%
Seeks maximum total
investment return
through a combination
of capital growth and
current income.
Columbia Variable Portfolio - Balanced Fund
(Class 1)
Columbia Management Investment Advisers,
LLC
0.71%1
14.05%
8.72%
9.74%
Seeks to provide
shareholders with total
return.
Columbia Variable Portfolio - Commodity
Strategy Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.73%1
15.48%
12.76%
6.75%
Seeks total return,
consisting of long-term
capital appreciation and
current income.
Columbia Variable Portfolio - Contrarian Core
Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.70%1
17.65%
14.18%
14.32%
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 19
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with
long-term capital growth.
Columbia Variable Portfolio - Cornerstone
Growth Fund (Class 1) (previously Columbia
Variable Portfolio - Large Cap Growth Fund
(Class 1))
Columbia Management Investment Advisers,
LLC
0.71%
16.14%
14.04%
15.97%
Seeks to provide
shareholders with
capital appreciation.
Columbia Variable Portfolio - Disciplined
Core Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.68%
14.63%
14.16%
13.59%
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 1)
Columbia Management Investment Advisers,
LLC
0.65%1
15.83%
11.88%
10.43%
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 1)
Columbia Management Investment Advisers,
LLC
0.73%
12.78%
1.70%
4.28%
Seeks to provide
shareholders with
long-term capital growth.
Columbia Variable Portfolio - Emerging
Markets Fund (Class 1)
Columbia Management Investment Advisers,
LLC
1.09%1
31.17%
(1.13%)
7.27%
Seeks to provide
shareholders with
maximum current
income consistent with
liquidity and stability of
principal.
Columbia Variable Portfolio - Government
Money Market Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.34%1
3.97%
2.97%
1.89%
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 1)
Columbia Management Investment Advisers,
LLC
0.64%1
8.81%
4.18%
5.78%
Seeks to provide
shareholders with a high
total return through
current income and
capital appreciation.
Columbia Variable Portfolio - Income
Opportunities Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.64%1
8.78%
3.86%
5.42%
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 1)
Columbia Management Investment Advisers,
LLC
0.53%
9.06%
(0.43%)
2.77%
20 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with
long-term capital
appreciation.
Columbia Variable Portfolio - Large Cap Index
Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.25%1
17.58%
14.13%
14.49%
Seeks total return,
consisting of current
income and capital
appreciation.
Columbia Variable Portfolio - Long
Government/Credit Bond Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.47%1
6.24%
(5.24%)
1.56%
Seeks to provide
shareholders with
capital appreciation.
Columbia Variable Portfolio - Overseas Core
Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.80%
38.26%
9.19%
7.82%
Seeks to provide
shareholders with
long-term growth of
capital.
Columbia Variable Portfolio - Select Large
Cap Value Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.69%
28.27%
13.59%
12.58%
Seeks to provide
shareholders with
growth of capital.
Columbia Variable Portfolio - Select Mid Cap
Growth Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.83%1
15.14%
7.53%
12.17%
Seeks to provide
shareholders with
long-term growth of
capital.
Columbia Variable Portfolio - Select Mid Cap
Value Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.83%1
14.18%
11.18%
10.44%
Seeks to provide
shareholders with a
level of current income
consistent with
preservation of capital.
Columbia Variable Portfolio - Select Short
Corporate Income Fund (Class 1) (previously
Columbia Variable Portfolio - Limited
Duration Credit Fund (Class 1))
Columbia Management Investment Advisers,
LLC
0.41%1
6.35%
2.14%
3.19%
Seeks to provide
shareholders with
long-term capital growth.
Columbia Variable Portfolio - Select Small
Cap Value Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.85%1
6.59%
8.94%
8.23%
Seeks to provide
shareholders with
long-term capital
appreciation.
Columbia Variable Portfolio - Seligman
Global Technology Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.93%1
34.70%
18.71%
23.01%
Seeks total return,
consisting of current
income and capital
appreciation.
Columbia Variable Portfolio - Strategic
Income Fund (Class 1)
Columbia Management Investment Advisers,
LLC
0.70%1
7.32%
2.20%
4.28%
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 1)
Columbia Management Investment Advisers,
LLC
0.45%
9.19%
(0.06%)
1.92%
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 21
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Non-diversified fund that
seeks to provide
shareholders with total
return that exceeds the
rate of inflation over the
long term.
CTIVP® - BlackRock Global Inflation-Linked
Securities Fund (Class 1) (previously CTIVP®
- BlackRock Global Inflation-Protected
Securities Fund (Class 1))
Columbia Management Investment Advisers,
LLC, adviser; BlackRock Financial
Management, Inc., subadviser; BlackRock
International Limited, sub-subadviser.
0.62%1
4.23%
(1.50%)
1.98%
Seeks to provide
shareholders with
current income and
capital appreciation.
CTIVP® - CenterSquare Real Estate Fund
(Class 1)
Columbia Management Investment Advisers,
LLC, adviser; CenterSquare Investment
Management LLC, subadviser.
0.84%
2.19%
6.60%
5.70%
Seeks to provide
shareholders with a high
level of current income.
CTIVP® - Fidelity Institutional AM® Total Bond
Fund (Class 1) (previously CTIVP® - American
Century Diversified Bond Fund (Class 1))
Columbia Management Investment Advisers,
LLC, adviser; FIAM LLC, subadviser; FMR
Investment Management (UK) Limited,
sub-subadviser.
0.49%
7.48%
(0.35%)
2.33%
Seeks to provide
shareholders with
long-term capital growth.
CTIVP® - Principal Large Cap Growth Fund
(Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Principal Global Investors, LLC,
subadviser.
0.70%
13.78%
10.47%
14.66%
Seeks to provide
shareholders with
long-term growth of
capital and income.
CTIVP® - T. Rowe Price Large Cap Value Fund
(Class 1)
Columbia Management Investment Advisers,
LLC, adviser; T. Rowe Price Associates, Inc.,
subadviser.
0.69%
12.40%
10.43%
9.91%
Seeks to provide
shareholders with total
return through current
income and capital
appreciation.
CTIVP® - TCW Total Return Bond Fund
(Class 1) (previously CTIVP® - TCW Core Plus
Bond Fund (Class 1))
Columbia Management Investment Advisers,
LLC, adviser; TCW Investment Management
Company LLC, subadviser.
0.50%
7.54%
(0.53%)
2.04%
Seeks to provide
shareholders with
long-term growth of
capital.
CTIVP® - Victory Sycamore Established Value
Fund (Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Victory Capital Management
Inc., subadviser.
0.82%
2.29%
9.65%
10.70%
Seeks to provide
shareholders with
long-term capital growth.
CTIVP® - Wellington Large Cap Value Fund
(Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Wellington Management
Company LLP, subadviser.
0.61%1
19.92%
11.26%
10.71%
Seeks to provide
shareholders with
long-term capital growth.
CTIVP® - Westfield Mid Cap Growth Fund
(Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Westfield Capital Management
Company, L.P., subadviser.
0.83%1
10.40%
7.16%
12.18%
22 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with
long-term capital growth.
CTIVP® - Westfield Select Large Cap Growth
Fund (Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Westfield Capital Management
Company, L.P., subadviser.
0.69%
17.27%
2.05%
13.31%
Seeks investment
results that correspond
to the total return
performance of common
stocks as represented
by the MSCI EAFE Index.
CVT EAFE International Index Portfolio
(Class I)
Calvert Research and Management
0.48%1
30.90%
8.53%
7.86%
Seeks investment
results that correspond
to the investment
performance of U.S.
common stocks, as
represented by the
NASDAQ 100 Index.
CVT Nasdaq 100 Index Portfolio (Class I)
Calvert Research and Management, adviser;
Ameritas Investment Partners, Inc,
subadviser.
0.49%1
20.39%
14.73%
19.09%
Seeks investment
results that correspond
to the investment
performance of U.S.
common stocks, as
represented by the
Russell 2000® Index.
CVT Russell 2000® Small Cap Index
Portfolio (Class I)
Calvert Research and Management, adviser;
Ameritas Investment Partners, Inc,
subadviser.
0.40%1
12.45%
5.83%
9.32%
Seeks capital
appreciation.
DWS Alternative Asset Allocation VIP
(Class A)2
DWS Investment Management Americas
Inc., adviser; RREEF America L.L.C.,
subadviser.
0.93%
10.50%
5.29%
4.89%
Seeks long-term capital
appreciation.
Fidelity® VIP Contrafund® Portfolio (Initial
Class)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers.
0.54%
21.52%
15.37%
15.78%
Seeks long-term growth
of capital.
Fidelity® VIP Mid Cap Portfolio (Initial Class)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited,
subadvisers.
0.55%
11.75%
10.10%
10.59%
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 23
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks a high level of
current income and may
also seek capital
appreciation.
Fidelity® VIP Strategic Income Portfolio
(Initial Class)
Fidelity Management & Research Company,
adviser; Fidelity Management & Research
Company (UK) Limited, Fidelity
Management & Research Company (Hong
Kong) Limited, Fidelity Management &
Research Company (Japan) Limited, FIL
Investment Advisers, FIL Investment
Advisers (UK) Limited and FIL Investments
(Japan) Limited, subadvisers.
0.63%
8.85%
3.07%
4.66%
Seeks to maximize
income while
maintaining prospects
for capital appreciation.
Under normal market
conditions, the fund
invests in a diversified
portfolio of equity and
debt securities.
Franklin Income VIP Fund (Class 1)
Franklin Advisers, Inc.
0.47%
12.87%
7.92%
7.57%
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 1)
Franklin Mutual Advisers, LLC
0.69%
11.81%
9.49%
7.80%
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 1)
Franklin Mutual Advisers, LLC
0.66%1
7.90%
9.13%
10.09%
Seeks total return with a
low to moderate
correlation to traditional
financial market indices.
Invesco V.I. Balanced-Risk Allocation Fund
(Series I Shares)3
Invesco Advisers, Inc.
0.88%1
9.14%
2.53%
5.17%
Seeks capital
appreciation.
Invesco V.I. Global Fund (Series I Shares)
Invesco Advisers, Inc.
0.81%
15.32%
7.28%
11.00%
Seeks total return.
Invesco V.I. Global Strategic Income Fund
(Series I Shares)
Invesco Advisers, Inc.
0.95%1
12.98%
1.65%
3.01%
Seeks capital
appreciation.
Invesco V.I. Main Street Small Cap Fund®
(Series I Shares)
Invesco Advisers, Inc.
0.84%
8.70%
8.34%
10.59%
Seeks long-term growth
of capital.
Invesco V.I. Technology Fund (Series I
Shares)
Invesco Advisers, Inc.
0.96%
20.47%
10.30%
15.78%
24 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks long-term capital
growth, consistent with
preservation of capital
and balanced by current
income.
Janus Henderson Balanced Portfolio
(Institutional Shares)
Janus Henderson Investors US LLC
0.62%
15.11%
8.48%
10.14%
Seeks to obtain
maximum total return,
consistent with
preservation of capital.
Janus Henderson Flexible Bond Portfolio
(Institutional Shares)
Janus Henderson Investors US LLC
0.57%1
7.40%
(0.23%)
2.32%
Non-diversified fund that
pursues its investment
objective by investing
primarily in common
stocks selected for their
growth potential.
Janus Henderson Research Portfolio
(Institutional Shares)
Janus Henderson Investors US LLC
0.82%
18.39%
14.11%
15.88%
Seeks total return.
Lazard Retirement Global Dynamic
Multi-Asset Portfolio (Investor Shares)3
Lazard Asset Management, LLC
0.90%1
15.98%
5.36%
-
Seeks long-term capital
growth. Income is a
secondary objective.
LVIP American Century Value Fund (Standard
Class II)
Lincoln Financial Investments Corporation,
adviser; American Century Investment
Management, Inc., subadviser.
0.71%1
16.02%
11.65%
10.23%
Seeks total return.
MFS® Utilities Series (Initial Class)
Massachusetts Financial Services Company
0.78%1
15.01%
7.64%
9.49%
The Fund seeks
long-term capital growth
by investing primarily in
common stocks and
other equity securities.
Morgan Stanley VIF Discovery Portfolio
(Class I Shares)
Morgan Stanley Investment Management
Inc.
0.95%1
12.58%
(5.36%)
14.16%
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 I) (previously Neuberger
Berman AMT Sustainable Equity Portfolio
(Class I))
Neuberger Berman Investment Advisers LLC
0.87%
13.71%
12.83%
12.94%
Seeks maximum real
return, consistent with
preservation of real
capital and prudent
investment
management.
PIMCO VIT All Asset Portfolio (Institutional
Class)2
Pacific Investment Management Company
LLC
1.98%1
14.34%
5.77%
6.93%
Seeks maximum total
return, consistent with
preservation of capital
and prudent investment
management.
PIMCO VIT Total Return Portfolio
(Institutional Class)
Pacific Investment Management Company
LLC (PIMCO)
0.58%
9.05%
0.16%
2.51%
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 25
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with
long-term capital
appreciation.
Putnam VT Global Health Care Fund
(Class IA Shares)
Putnam Investment Management, LLC,
adviser; Franklin Advisers, Inc., Franklin
Templeton Investment Management Limited
and The Putnam Advisory Company, LLC,
subadvisers.
0.75%
15.34%
7.99%
8.63%
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 1)
Franklin Advisers, Inc.
0.50%1
16.09%
(0.69%)
0.11%
Seeks to provide a high
level of total return that
is consistent with an
aggressive level of risk.
Variable Portfolio - Aggressive Portfolio
(Class 1)2
Columbia Management Investment Advisers,
LLC
0.79%
17.94%
8.40%
9.24%
Seeks to provide a high
level of total return that
is consistent with a
conservative level of
risk.
Variable Portfolio - Conservative Portfolio
(Class 1)2
Columbia Management Investment Advisers,
LLC
0.64%1
10.55%
1.89%
3.72%
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
Variable Portfolio - Managed Volatility
Conservative Fund (Class 1)2,3
Columbia Management Investment Advisers,
LLC
0.70%
9.41%
1.41%
3.51%
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
Variable Portfolio - Managed Volatility
Conservative Growth Fund (Class 1)2,3
Columbia Management Investment Advisers,
LLC
0.72%
11.25%
2.92%
4.71%
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
Variable Portfolio - Managed Volatility Growth
Fund (Class 1)2,3
Columbia Management Investment Advisers,
LLC
0.76%
14.97%
6.09%
7.13%
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
Variable Portfolio - Managed Volatility
Moderate Growth Fund (Class 1)2,3
Columbia Management Investment Advisers,
LLC
0.73%
13.13%
4.55%
6.00%
Seeks to provide a high
level of total return that
is consistent with a
moderate level of risk.
Variable Portfolio - Moderate Portfolio
(Class 1)2
Columbia Management Investment Advisers,
LLC
0.71%
14.14%
5.17%
6.60%
26 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks to provide a high
level of total return that
is consistent with a
moderately aggressive
level of risk.
Variable Portfolio - Moderately Aggressive
Portfolio (Class 1)2
Columbia Management Investment Advisers,
LLC
0.75%
15.97%
6.71%
7.89%
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 1)2
Columbia Management Investment Advisers,
LLC
0.69%
12.39%
3.43%
5.10%
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 1)
Columbia Management Investment Advisers,
LLC, adviser; J.P. Morgan Investment
Management Inc. and Allspring Global
Investments, LLC, subadvisers.
0.48%
7.62%
0.03%
2.25%
Seeks to provide
shareholders with
long-term capital growth.
Variable Portfolio - Partners Core Equity Fund
(Class 1)
Columbia Management Investment Advisers,
LLC, adviser; J.P. Morgan Investment
Management Inc. and T. Rowe Price
Associates, Inc., subadvisers.
0.68%1
13.42%
13.32%
12.91%
Seeks to provide
shareholders with
long-term growth of
capital.
Variable Portfolio - Partners International
Core Equity Fund (Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Schroder Investment
Management North America Inc.,
subadviser; Schroder Investment
Management North America Limited,
sub-subadviser.
0.83%
24.85%
7.29%
6.39%
Seeks to provide
shareholders with
long-term capital growth.
Variable Portfolio - Partners International
Growth Fund (Class 1)
Columbia Management Investment Advisers
LLC, adviser; William Blair Investment
Management, LLC and Walter Scott &
Partners Limited, subadvisers.
0.83%1
17.77%
1.61%
5.26%
Seeks to provide
shareholders with
long-term capital growth.
Variable Portfolio - Partners International
Value Fund (Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Pzena Investment
Management, LLC and Thompson, Siegel &
Walmsley LLC, subadvisers.
0.80%1
35.15%
10.39%
7.24%
Seeks to provide
shareholders with
long-term capital growth.
Variable Portfolio - Partners Small Cap
Growth Fund (Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Goldman Sachs Asset
Management, L.P. and Segall Bryant &
Hamill, LLC, subadvisers.
0.85%1
8.13%
1.20%
7.99%
RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus 27
Investment Objective
Fund and
Adviser/Sub-Adviser
Current
Expenses
Ratio
[NET]
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Seeks to provide
shareholders with
long-term capital
appreciation.
Variable Portfolio - Partners Small Cap Value
Fund (Class 1)
Columbia Management Investment Advisers,
LLC, adviser; Segall Bryant & Hamill, LLC
and William Blair Investment Management,
LLC, subadvisers.
0.84%1
7.35%
6.86%
7.33%
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
Variable Portfolio - U.S. Flexible Conservative
Growth Fund (Class 1)2,3
Columbia Management Investment Advisers,
LLC
0.71%
9.49%
3.79%
-
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
Variable Portfolio - U.S. Flexible Growth Fund
(Class 1)2,3
Columbia Management Investment Advisers,
LLC
0.68%
11.37%
7.63%
-
Pursues total return
while seeking to
manage the Fund's
exposure to equity
market volatility.
Variable Portfolio - U.S. Flexible Moderate
Growth Fund (Class 1)2,3
Columbia Management Investment Advisers,
LLC
0.69%
10.37%
5.72%
-
Seeks to maximize total
return. Under normal
market conditions, the
fund invest at least 80%
of its assets in high
yield bonds. Under
normal circumstances,
the fund will be invested
in at least three
countries (one of which
may be the United
States).
Western Asset Variable Global High Yield
Bond Portfolio (Class I)
Franklin Templeton Fund Adviser, LLC,
adviser; Western Asset Management
Company, LLC, subadviser.
0.81%
9.96%
2.56%
5.33%
1
This Fund and its investment adviser and/or affiliates have entered into a temporary expense reimbursement arrangement and/or fee waiver. The Fund’s annual expenses reflect temporary fee reductions. Please see the Fund’s prospectus for additional information.
2
This Fund is a fund of funds and invests substantially all of its assets in other underlying funds. Because the Fund invests in other funds, it will bear its pro rata portion of the operating expenses of those underlying funds, including management fees.
3
This Fund is managed in a way that is intended to minimize volatility of returns. See “Principal Risks of Investing in the Contract.”
28 RiverSource Survivorship Variable Universal Life Insurance  — Summary Prospectus
 
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We have filed with the Securities and Exchange Commission a prospectus and a Statement of Additional Information (SAI) that include additional information about RiverSource Survivorship Universal Life Insurance and RiverSource Variable Life Separate Account. The prospectus and SAI are dated the same date as this summary prospectus and are available free of charge. To request a copy of either document, to obtain information about your policy or for other investor inquiries, contact your sales representative or RiverSource Life Insurance Company at the telephone number and address listed below. The prospectus and other information about the policy is available online at riversource.com/lifeinsurance.
Edgar Contract Identifer: C000233028
RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota. Affiliated with Ameriprise Financial Services, LLC.
© 2008-2026 RiverSource Life Insurance Company. All rights reserved.
 
RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, MN 55474
1-800-862-7919
USP9113_12_E01_(05/26)

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