RiverSource^® Variable Universal Life IV

RiverSource Variable Universal Life IV provides protection for those who matter most to you. It can also help grow your assets to build the financial future you want for yourself and your loved ones. It provides opportunities to accumulate cash value for future goals, such as funding college, supplementing retirement income and transferring wealth. It offers:

• Income tax-free death benefit
• Protection on one life
• Tax-deferred cash growth opportunities in the equities market and/or a fixed account
• Over 70 investment options including an advice embedded selection to help tailor the policy investments to your investment risk tolerance
• No-lapse guarantees to age 70 or 100
• Optional riders available to cover a wide range of needs, including waiver of premium due to disability, acceleration of death benefit due to terminal illness or to help cover qualified long-term or chronic care expenses.*

Remember, accessing policy cash value through loans and surrenders may cause a permanent reduction of policy cash values and death benefit.

All guarantees are based on the continued claims paying ability of the issuing company and do not apply to the performance of the variable subaccounts, which will vary with market conditions.

*Certain riders may not be approved in all states and restrictions may apply. View products at a glance or speak to your financial professional for more information including rider availability.

The Estate Series

If you have higher coverage needs, the Estate Series may benefit you. It offers all the benefits as Variable Universal Life IV, but it covers amounts of $1 million or more.

The Estate Series also includes a Charitable Giving Benefit, in approved states(and not in New York), that will provide a sizeable donation to an accredited charity of your choice without reducing the benefit to your heirs. The designated charity receives 1% of the total death benefit proceeds, up to a maximum of $100,000.

For example, if you purchased and held a $2 million policy until the time of your death, your beneficiaries would receive the full $2 million (assuming you had taken no loans from your policy). An additional $20,000 would be donated in your name to the charitable organization you selected.

Important Variable Universal Life IV Downloads

Investment Options & Asset Allocation	Choose from a wide range of investment options representing every major asset class from well known fund families. Design your own portfolio or enroll in an advice-embedded solution. Find more information on investment options
Performance	For product performance please visit our Performance page
Prospectus	For a copy of the current product prospectus please visit our Prospectus page

For more detail, please select the state in which you reside to review the three important documents below.

- Select one - AKALARAZCACOCTDCDEFLGAHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAVTWAWIWVWY

Variable Universal Life IV product brochure
Optional AdvanceSource® rider brochure
AdvanceSource rider outline of coverage.