Portfolio Navigator Asset Allocation Program

RiverSource Life Insurance Companies

About Portfolio Navigator

The Portfolio Navigator Asset Allocation Program allows you to allocate your contract value to an asset allocation model portfolio that consists of subaccounts that invest in underlying funds and may include Guarantee Period Accounts and/or the fixed account (if available under the Portfolio Navigator Program). The Program also allows you to periodically update the model portfolio or transfer to a new model portfolio. Prior to participating in the Program, you should read the description of the Program contained in the prospectus for the variable annuity contract together with all information provided by your financial professional as well as the Portfolio Navigator Asset Allocation Program Investment Advisor Disclosure Document. Past performance is no guarantee of future results. There is no guarantee that investment objectives will be satisfied or that return expectations will be met.

RiverSource Investments, LLC, an SEC-registered investment adviser, is an Ameriprise Financial company. RiverSource Investments, LLC, in its role as non-discretionary investment adviser for the Portfolio Navigator Program, is responsible for overseeing the processes used by Morningstar Associates, LLC. Certain contracts may participate in an earlier version of the Portfolio Navigator program which does not use Riversource Investments, LLC as an Investment adviser.

© 2007 Morningstar Associates, LLC. All rights reserved. The information, data and opinions contained herein include confidential and proprietary information of Morningstar Associates, LLC, or, pursuant to a licensing agreement, Morningstar, Inc., and may not be copied or redistributed for any purpose. Morningstar Associates, LLC, and Morningstar, Inc., have provided such information for use by RiverSource Life Insurance Company and its affiliates or the use by authorized agents and contractors of RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York with customers of RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York and their agents and contractors. Neither Morningstar Associates nor Morningstar, Inc., is acting as an investment adviser with respect to the use of the asset allocation questionnaire or model portfolios. Neither Morningstar Associates nor Morningstar, Inc., is affiliated with RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York.

Morningstar Associates is a registered investment adviser and wholly owned subsidiary of Morningstar, Inc.

You should consider the investment objectives, risks, charges and expenses of the variable product carefully before investing. For a free copy of the prospectus of the underlying funds, which contains this and other information about variable annuities, call (800) 333-3437 or in New York call (800) 504-0469. You should read the prospectus carefully before they invest.