|
THE SECURITIES ACT OF 1933 |
[ ] |
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Post-Effective Amendment No. 5 (File No. 333-260175) |
[X] |
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THE INVESTMENT COMPANY ACT OF 1940 |
[ ] |
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Amendment No. 152 (File No. 811-04298) |
[X] |
[ ] |
immediately upon filing pursuant to paragraph (b) |
[X] |
on May 1, 2024 pursuant to paragraph (b) |
[ ] |
60 days after filing pursuant to paragraph (a)(1) |
[ ] |
on [date] pursuant to paragraph (a)(1) of Rule 485 |
[ ] |
This post-effective amendment designates a new effective date for a previously filed post-effective amendment. |
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 |
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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 $ Surrender occurs on a policy that was issued with a $1,000,000 initial Specified Amount, the maximum initial Surrender Charge would be $ 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) |
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RISKS |
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Risk of Loss |
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Principal Risks |
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RISKS |
Location in Statutory Prospectus |
Not a Short-Term Investment |
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Principal Risks | ||
Risks Associated with Investment Options |
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Principal Risks The Variable Account and the Funds | ||
Insurance Company Risks |
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Principal Risks The General Account | ||
Policy Lapse |
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Keeping the Policy in Force |
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RESTRICTIONS |
Location in Statutory Prospectus | ||
Investments |
• |
Transfers Among the Fixed Account, Indexed Accounts and Subaccounts Substitution of Investments | ||
Optional Benefits |
• |
Additional Information About Standard Benefits (Other than Standard Death Benefits) | ||
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TAXES |
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Tax Implications |
• |
Taxes | ||
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CONFLICTS OF INTEREST |
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Investment Professional Compensation |
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Distribution of the Policy | ||
Exchanges |
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For additional information, see 1035 exchanges under Other Tax Considerations |
CHARGE |
WHEN CHARGE IS DEDUCTED |
AMOUNT DEDUCTED | |||
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Rate per $1,000 of initial Specified Amount: | |||
Minimum: $ NonTobacco,Insurance Age 20; Male, Standard NonTobacco,Insurance Age85. | |||||
Maximum: $ — Female, Standard Tobacco,Insurance Age72; Male, Standard Tobacco,Insurance Age72. | |||||
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The lesser of: | |||
•$ | |||||
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N/A |
N/A | |||
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•$ | |||
•$ | |||||
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$ | |||
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CHARGE |
WHEN CHARGE IS DEDUCTED |
AMOUNT DEDUCTED |
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$ $2,000,000. |
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Monthly rate per $1,000 of Net Amount at Risk: |
Minimum: $ Nontobacco Insurance Age 20; Female, Super Preferred, Nontobacco,Insurance Age 20;Duration1. | ||
Maximum: $ Tobacco,Insurance Age 85; Male, Standard Tobacco,Insurance Age85,Duration35. | ||
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Rate per $1,000 of initial Specified Amount: |
Minimum: $ Nontobacco,Insurance Age 20; Female, Super Preferred Nontobacco,Insurance Age 20;Durations 1-10. | ||
Maximum: $ Male, Standard Tobacco,Insurance Age 85;Durations 1-10 | ||
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Current: $ | ||
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Annual rate of |
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Annual rate of Account Value. |
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Optional Benefit Charges: |
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Monthly rate per $1,000 of initial Specified Amount: |
Minimum: $ Age 85; Male Nontobacco,Insurance Age85. | ||
Maximum: $ Ages 35-55; Male Nontobacco,Insurance Ages 35-55. | ||
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CHARGE |
WHEN CHARGE IS DEDUCTED |
AMOUNT DEDUCTED |
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Monthly rate per $1,000 of Net Amount at Risk: |
Minimum: $ Nontobacco,Insurance Age 20; Female, Super Preferred, Nontobacco,Insurance Age20,Duration1. | ||
Maximum: $ Tobacco,Insurance Age 85; Male, Standard Tobacco,Insurance Age 85;Duration4. | ||
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Total Annual Fund Expenses |
Minimum(%) |
Maximum(%) |
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Lapse or surrender at the beginning of policy year |
Maximum Surrender Charge on the Initial Specified Amount |
Maximum Surrender Charge on the Increase in Specified Amount |
Total Maximum Surrender Charge on the Policy |
1 |
$46,363.17 |
$0.00 |
$46,363.17 |
2 |
46,363.17 |
0.00 |
46,363.17 |
3 |
46,363.17 |
0.00 |
46,363.17 |
4 |
46,363.17 |
0.00 |
46,363.17 |
5 |
46,363.17 |
0.00 |
46,363.17 |
6 |
45,590.29 |
0.00 |
45,590.29 |
7 |
36,317.32 |
13,976.76 |
50,294.08 |
8 |
27,044.36 |
13,976.76 |
41,021.12 |
9 |
17,771.39 |
13,976.76 |
31,748.15 |
10 |
8,498.43 |
13,976.76 |
22,475.19 |
11 |
0.00 |
13,976.76 |
13,976.76 |
12 |
0.00 |
13,743.78 |
13,743.78 |
13 |
0.00 |
10,948.43 |
10,948.43 |
14 |
0.00 |
8,153.08 |
8,153.08 |
15 |
0.00 |
5,357.72 |
5,357.72 |
Lapse or surrender at the beginning of policy year |
Maximum Surrender Charge on the Initial Specified Amount |
Maximum Surrender Charge on the Increase in Specified Amount |
Total Maximum Surrender Charge on the Policy |
16 |
0.00 |
2,562.37 |
2,562.37 |
17 |
0.00 |
0.00 |
0.00 |
(a) × (b) |
where: |
12 |
CHARGE |
WHEN CHARGE IS DEDUCTED |
AMOUNT DEDUCTED |
Policy Split Option Rider (PSO) |
Upon exercise of the benefit. |
$250 |
| ||
Overloan Protection Benefit (OPB) |
Upon exercise of the benefit. |
3% of the Policy Value. |
| ||
Four-Year Term Insurance Rider (FYT)(a),(b) |
Monthly. |
Monthly rate per $1,000 of the cost of insurance amount: |
Minimum: $0.00000 — Female, Super Preferred, Nontobacco, Insurance Age 20; Female, Super Preferred, Nontobacco, Insurance Age 20, Duration 1. | ||
Maximum: $2.46005 — Male, Standard Tobacco, Insurance Age 85; Male, Standard Tobacco, Insurance Age 85; Duration 4. | ||
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Representative Insured: $0.00010 – Female, Standard Nontobacco, Insurance Age 60; Male, Standard Nontobacco, Age 60; Duration 1. | ||
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Accounting Value Increase Rider (AVIR)(a) |
Monthly. |
Monthly rate per $1,000 of initial Specified Amount: |
Minimum: $0.0309 — Female, Nontobacco, Insurance, Age 85; Male Nontobacco, Insurance Age 85. | ||
Maximum: $0.0475 — Female, Nontobacco, Insurance Ages 35-55; Male Nontobacco, Insurance Ages 35-55. | ||
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Representative Insured: $0.0470 — Female, Nontobacco, Age 60; Male, Nontobacco, Insurance Age 60. | ||
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By investing an equal number of dollars each month… |
|
Month |
Amount Invested |
Accumulation Unit Value |
Number of Units Purchased |
|
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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 | |
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May |
100 |
16 |
6.25 |
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June |
100 |
18 |
5.56 |
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July |
100 |
17 |
5.88 |
and fewer units when the per unit market price is high. |
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Aug |
100 |
19 |
5.26 |
→ |
Sept |
100 |
21 |
4.76 | |
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Oct |
100 |
20 |
5.00 |
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Month |
SDCA Allocation |
SDCA Transfer Amount |
Remaining SDCA Arrangement Policy Value |
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Jan |
$10,000.00 |
$833.33 |
$9,183.18 |
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Feb |
|
$833.33 |
$8,365.02 |
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Mar |
|
$833.33 |
$7,545.50 |
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Apr |
|
$833.33 |
$6,724.63 | |
Increase in monthly SDCA transfer amount due to an additional SDCA allocation |
→ |
May |
$20,000.00 |
$2,500.00 |
$24,268.76 |
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June |
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$2,500.00 |
$21,808.85 |
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July |
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$2,500.00 |
$19,344.87 |
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Aug |
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$2,500.00 |
$16,876.82 |
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Sept |
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$2,500.00 |
$14,404.69 | |
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Oct |
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$2,500.00 |
$11,928.48 |
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Nov |
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$2,500.00 |
$9,448.18 |
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Dec |
|
$2,500.00 |
$6,963.78 |
Decrease in the monthly SDCA transfer amount since the original SDCA allocation is outside the 12 month period |
→ |
Jan |
|
$1,666.67 |
$5,308.62 |
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Feb |
|
$1,666.67 |
$3,650.72 |
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Mar |
|
$1,666.67 |
$1,990.08 |
Since this is the last SDCA transfer in the 12 month period for the most recent SDCA allocation, interest earned in the SDCA account is included in the SDCA transfer amount |
→ |
Apr |
|
$1,666.67 |
$0.00 |
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May |
|
$0.00 |
$0.00 |
Assumptions |
|
Segment Growth Cap: |
7% |
Segment Floor: |
0% |
Segment Participation Rate: |
100% |
Average Segment Value: |
$5,000 |
Starting S&P 500 Index value: |
1,000 |
Ending S&P 500 Index value: |
1,200 |
( |
1200 |
–1 |
) |
= |
20% |
1000 |
Starting S&P 500 Index value: |
1,000 |
Ending S&P 500 Index value: |
900 |
( |
900 |
–1 |
) |
= |
-10% |
1000 |
Starting S&P 500 Index value: |
1,000 |
Ending S&P 500 Index value: |
1,050 |
( |
1050 |
–1 |
) |
= |
5% |
1000 |
Example |
Option 1 |
Option 2 |
Option 3 |
Specified Amount |
$100,000 |
$100,000 |
$100,000 |
Policy Value |
$5,000 |
$5,000 |
$5,000 |
Premiums paid |
$4,000 |
$4,000 |
$4,000 |
Death benefit |
$100,000 |
$105,000 |
$104,000 |
Policy Value increases to |
$8,000 |
$8,000 |
$8,000 |
Death benefit |
$100,000 |
$108,000 |
$104,000 |
Policy Value decreases to |
$3,000 |
$3,000 |
$3,000 |
Death benefit |
$100,000 |
$103,000 |
$104,000 |
Maximum reduction in initial Specified Amount in policy year 10: |
$100,000 X .50 = |
$50,000 |
Maximum reduction in increase in Specified Amount during the fourth policy year of increase: |
$100,000 X .25 = |
+25,000 |
Maximum permitted reduction in current Specified Amount: |
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$75,000 |
Current Specified Amount before reduction: |
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$200,000 |
Minus maximum permitted reduction in current Specified Amount: |
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–75,000 |
Specified Amount after reduction |
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$125,000 |
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Is the Benefit Standard or Optional |
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Policy Years(s) |
% of Surrender Charge Waived |
1 - 4 |
100% |
5 |
80% |
6 |
65% |
7 |
50% |
8 |
35% |
9+ |
0% |
Policy Value Transferring Into or Out of Each Account | |||
Frequency |
Fixed Account |
Subaccount #1 |
Subaccount #2 |
Monthly |
-10,000 |
+5,000 |
+5,000 |
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 | |
|
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May |
100 |
16 |
6.25 |
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June |
100 |
18 |
5.56 |
|
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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 | |
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Oct |
100 |
20 |
5.00 |
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 |
|
Source of Proceeds |
Taxable Portion of Pre-death Proceeds |
Non-Modified Endowment Contracts: |
Taxable portion of pre-death Proceeds: |
Full surrender: |
You will be taxed on the amount received, plus any Indebtedness, minus your investment in the policy.(1) You will be taxed on any earnings in the policy at the time of full surrender — these earnings may be part of the policy cash value or part of loans previously taken. It could be the case that a policy with a relatively small existing Cash Surrender Value could have significant earnings that will be taxed upon surrender of the policy. |
Lapse: |
You will be taxed on any Indebtedness minus your investment in the policy.(1) You will be taxed on any earnings in the policy at the time of Lapse — these earnings may be part of the policy cash value or part of loans previously taken. It could be the case that a policy with a relatively small existing Cash Surrender Value could have significant earnings that will be taxed upon Lapse of the policy. |
Partial Surrenders: |
Generally, if the amount received is greater than your investment in the policy,(1) the amount in excess of your investment is taxable. However, during the first 15 policy years, a different amount may be taxable if the partial surrender results in or is necessitated by a reduction in benefits. |
Policy loans and assignments and pledges: |
None.(2) |
| |
Modified Endowment Contracts:(3) |
Taxable portion of pre-death Proceeds: |
Full surrender: |
You will be taxed on the amount received, plus any Indebtedness, minus your investment in the policy.(1) You will be taxed on any earnings in the policy at the time of full surrender — these earnings may be part of the policy cash value or part of loans previously taken. Please note, for modified endowment contracts, it is likely that any earnings taken in previous policy loans were taxable and would be included in the investment in the policy. |
Lapse: |
You will be taxed on any Indebtedness minus your investment in the policy.(1) You will be taxed on any earnings in the policy at the time of Lapse — these earnings may be part of the policy cash value or part of loans previously taken. |
Partial Surrenders: |
You will be taxed on the lesser of: |
|
•the amount received; or |
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•Policy Value minus your investment in the policy.(1) |
Policy loans and assignments and pledges: |
You will be taxed on the lesser of: |
|
•the amount of the loan/assignment; or |
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•Policy Value minus your investment in the policy.(1) |
| |
Payment Options: Pre-death Proceeds (applicable to non-modified endowment contracts and modified endowment contracts): |
Option A: Treated as a full surrender; earnings are taxed and may be subject to an additional 10% penalty tax for modified endowment contracts. Interest is taxed (but not subject to an additional 10% IRS penalty tax). |
Source of Proceeds |
Taxable Portion of Pre-death Proceeds |
|
Options B and C: A portion of each payment is taxed and a portion is considered a return on investment in the policy(1) and not taxed. Any Indebtedness at the time the option is elected is treated as a partial surrender and earnings are taxed (and may be subject to an additional 10% penalty tax for modified endowment contracts). Payments made after the investment in the policy(1) is fully recovered are taxed (and may be subject to an additional 10% penalty tax for modified endowment contracts). |
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Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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CVT Russell 2000® Small Cap Index Portfolio - Class I (previously Calvert - VP Russell 2000® Small Cap Index Portfolio - Class I) Calvert Research and Management, adviser; Ameritas Investment Partners, Inc, subadviser. |
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
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Investment Objective |
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Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Investment Objective |
Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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Effective Date |
Approval by Jurisdiction |
December 29, 2021 |
Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Indiana Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming. |
August 13, 2022 |
California |
(a)(1) |
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(a)(2) |
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(a)(3) |
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(b) |
Not applicable. |
(c) |
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(d)(1) |
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(d)(2) |
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(d)(3) |
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(d)(4) |
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(d)(5) |
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(e) |
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(f)(1) |
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(f)(2) |
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(f)(3) |
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(g) |
Not Applicable. |
(h)(1) |
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(h)(2) |
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(h)(3) |
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(h)(4) |
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(h)(5) |
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(h)(6) |
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(h)(7) |
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(h)(8) |
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(h)(9) |
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(h)(10) |
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(h)(11) |
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(h)(12) |
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(h)(13) |
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(h)(14) |
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(h)(15) |
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(h)(16) |
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(h)(17) |
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(h)(18) |
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(h)(19) |
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(h)(20) |
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(i) |
Not applicable. |
(j) |
Not applicable. |
(k) |
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(l) |
Not applicable. |
(m) |
Not applicable. |
(n) |
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(o) |
Not applicable. |
(p) |
Not applicable. |
(q) |
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(r) |
Not applicable. |
(s) |
|
101 |
Inline Interactive Data File – the instance document does not appear in the Interactive Data File because its iXBRL tags are embedded within the Inline XBRL document filed electronically herewith. |
Name |
Principal Business Address* |
Position and Offices With Depositor |
Gumer C. Alvero |
|
Chairman of the Board and President |
Michael J. Pelzel |
|
Senior Vice President – Corporate Tax |
Stephen P. Blaske |
|
Director, Senior Vice President and Chief Actuary |
Shweta Jhanji |
|
Senior Vice President and Treasurer |
Gene R. Tannuzzo |
|
Director |
Sherman, Kara D. |
|
Director |
Stephen R. Wolfrath |
|
Director, Vice President – Insurance and Annuities Product Development and Management |
John R. Hutt |
|
Director |
Brian E. Hartert |
|
Chief Financial Officer |
Paula J. Minella |
|
Secretary |
Gregg L. Ewing |
|
Vice President and Controller |
Parent Company /Subsidiary Name |
Jurisdiction |
Ameriprise Financial, Inc.* |
Delaware |
Ameriprise Advisor Capital, LLC |
Delaware |
Ameriprise Advisor Financing 2, LLC |
Delaware |
Ameriprise Asset Management Holdings Singapore (Pte.) Ltd. |
Singapore |
Ameriprise Asset Management Holdings Hong Kong Limited |
Hong Kong |
Threadneedle Portfolio Services Hong Kong Limited |
Hong Kong |
Columbia Threadneedle Investments Japan Co., Ltd. |
Japan |
Columbia Threadneedle Malaysia Sdn Bhd. |
Malaysia |
Threadneedle Investments Singapore (Pte.) Ltd. |
Singapore |
Ameriprise Bank, FSB |
Federal |
Ameriprise Capital Trust I |
Delaware |
Ameriprise Capital Trust II |
Delaware |
Ameriprise Capital Trust III |
Delaware |
Ameriprise Capital Trust IV |
Delaware |
Ameriprise Captive Insurance Company |
Vermont |
Ameriprise Certificate Company |
Delaware |
Investors Syndicate Development Corporation |
Nevada |
Ameriprise Holdings, Inc. |
Delaware |
Ameriprise India LLP1 |
India |
Ameriprise India Partner, LLC |
Delaware |
Ameriprise Trust Company |
Minnesota |
AMPF Holding, LLC |
Michigan |
American Enterprise Investment Services Inc.2 |
Minnesota |
Ameriprise Financial Services, LLC2 |
Delaware |
AMPF Property Corporation |
Michigan |
Investment Professionals, Inc.2 |
Texas |
Columbia Management Investment Advisers, LLC |
Minnesota |
Advisory Capital Strategies Group Inc. |
Minnesota |
Columbia Wanger Asset Management, LLC |
Delaware |
Emerging Global Advisors, LLC |
Delaware |
GA Legacy, LLC |
Delaware |
J. & W. Seligman & Co. Incorporated |
Delaware |
Columbia Management Investment Distributors, Inc.2 |
Delaware |
Seligman Partners, LLC3 |
Delaware |
Lionstone BBP GP, LLC |
Delaware |
Parent Company /Subsidiary Name |
Jurisdiction |
Lionstone BBP Limited Partner, LLC |
Delaware |
Lionstone CREAD Partners Two, LLC |
Delaware |
Lionstone CREAD GP, LLC |
Delaware |
Lionstone LORE Two, LLC |
Delaware |
Lionstone Partners, LLC |
Texas |
Cash Flow Asset Management GP, LLC |
Texas |
Cash Flow Asset Management, L.P.4 |
Texas |
Lionstone Advisory Services, LLC |
Texas |
Lionstone CFRE II Real Estate Advisory, LLC |
Delaware |
Lionstone Development Services, LLC |
Texas |
LPL 1111 Broadway GP, LLC |
Texas |
LPL 1111 Broadway, L.P.5 |
Texas |
Lionstone Raleigh Development Partners GP, LLC |
Delaware |
Lionstone RDP Channel House Investors, L.P. |
Delaware |
Lionstone RDP PCS Phase I Investors, L.P. |
Delaware |
Lionstone RDP Platform Investors, L.P. |
Delaware |
Lionstone RDP Tower V Investors GP, LLC |
Delaware |
Lionstone RDP St. Albans Investors GP, LLC |
Delaware |
Lionstone RDP Co-Investment Fund I GP, LLC |
Delaware |
Lionstone VA Five, LLC |
Delaware |
RiverSource CDO Seed Investments, LLC |
Minnesota |
Columbia Management Investment Services Corp. |
Minnesota |
Columbia Threadneedle Canada, Inc. |
Ontario |
Columbia Threadneedle Canada Holdings, Inc. |
Ontario |
Columbia Threadneedle Investments UK International Limited |
England & Wales |
Columbia Threadneedle (Europe) Limited |
England & Wales |
Columbia Threadneedle AM (Holdings) plc |
Scotland |
Astraeus III GP LLP |
|
Astraeus III FP LP |
|
Columbia Threadneedle Capital (Group) Limited |
Cayman Islands |
Columbia Threadneedle Capital (Holdings) Limited |
Cayman Islands |
Columbia Threadneedle Capital (UK) Limited |
England & Wales |
Columbia Threadneedle Multi-Manager LLP |
England & Wales |
Thames River Capital LLP |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Columbia Threadneedle Group (Holdings) Limited |
England & Wales |
Columbia Threadneedle Group (Management) Limited |
England & Wales |
Columbia Threadneedle Holdings Limited |
England & Wales |
Columbia Threadneedle Investment Services Limited |
England & Wales |
Columbia Threadneedle Management Limited |
England & Wales |
F&C Unit Management Limited |
England & Wales |
FCEM Holdings (UK) Limited |
England & Wales |
F&C Emerging Markets Limited |
England & Wales |
F&C (CI) Limited |
England & Wales |
F&C Private Equity Nominee Limited |
England & Wales |
Columbia Threadneedle Luxembourg S.A.6† |
Luxembourg |
Columbia Threadneedle Netherlands B.V. |
Netherlands |
F&C Alternative Investments (Holdings) Limited |
England & Wales |
F&C Ireland Limited |
Ireland |
Columbia Threadneedle Treasury Limited |
England & Wales |
WAM Holdings Ltd |
England & Wales |
Columbia Threadneedle Fund Management Limited |
England & Wales |
Columbia Threadneedle Managers Limited |
England & Wales |
Columbia Threadneedle (Services) Limited |
Scotland |
Columbia Threadneedle Management (Swiss) GmbH‡ |
Switzerland |
Columbia Threadneedle Investment Business Limited |
Scotland |
Columbia Threadneedle PE Co-Investment GP LLP |
Scotland |
FCIT PE FP LP6 |
Scotland |
Columbia Threadneedle PE Co-Investment FP LP6 |
Scotland |
Columbia Threadneedle Real Estate Partners LLP7 |
England & Wales |
CT UK Residential Real Estate FCP-RAIF (Associate) |
England & Wales |
REIT Asset Management Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Columbia Threadneedle REP (Corporate Services) Limited |
England & Wales |
F&C REIT Corporate Finance Limited |
England & Wales |
Columbia Threadneedle Real Estate Partners S.à.r.l. |
Luxembourg |
CT Real Estate Partners GmbH & Co. KG, München |
Germany |
CT Real Estate Partners Verwaltungsgesellschaft mbH, München (General Partner) |
Germany |
Columbia Threadneedle Real Estate Partners Asset Management plc |
England & Wales |
FOSCA II Manager S.à.r.l. |
Luxembourg |
Columbia Threadneedle REP Property Management Limited |
England & Wales |
Columbia Threadneedle Unit Trust Managers Limited |
England |
Castle Mount Impact Partners GP LLP |
|
Castle Mount Impact Partners FP LP |
|
F&C Aurora (GP) Limited |
Scotland |
LPE II (Founding Partner) LP |
Scotland |
The Aurora Fund (Founder Partner) LP6 |
Scotland |
F&C Climate Opportunity Partners (GP) Limited |
Scotland |
F&C Climate Opportunity Partners (GP) LP |
Scotland |
F&C Climate Opportunity Partners (Founder Partner) LP6 |
Scotland |
F&C Equity Partners Holdings Limited |
England & Wales |
F&C Equity Partners plc |
England & Wales |
F&C European Capital Partners (Founder Partner) LP6 |
Scotland |
F&C European Capital Partners II (GP) Limited |
Scotland |
F&C European Capital Partners II (Founder Partner) LP6 |
Scotland |
F&C European Capital Partners II (GP) LP |
Scotland |
F&C Finance plc |
England & Wales |
F&C Group ESOP Trustee Limited |
Scotland |
F&C Investment Manager plc |
England & Wales |
FP Asset Management Holdings Limited |
England & Wales |
Columbia Threadneedle Asset Managers Limited |
England & Wales |
Ivory & Sime (Japan) KK |
Japan |
Ivory & Sime Limited |
Scotland |
Columbia Threadneedle (EM) Investments Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Pyrford International Limited |
England & Wales |
RiverSource Distributors, Inc.2 |
Delaware |
RiverSource Life Insurance Company |
Minnesota |
Columbia Cent CLO Advisers, LLC |
Delaware |
RiverSource Life Insurance Co. of New York |
New York |
RiverSource NY REO, LLC |
New York |
RiverSource REO 1, LLC |
Minnesota |
RiverSource Tax Advantaged Investments, Inc. |
Delaware |
AEXP Affordable Housing Portfolio, LLC8 |
Delaware |
TAM UK International Holdings Limited |
England & Wales |
Columbia Threadneedle Investments (ME) Limited |
Dubai |
CTM Holdings Limited |
Malta |
TAM Investment Limited |
England & Wales |
Threadneedle Asset Management Oversight Limited |
England & Wales |
Ameriprise International Holdings GmbH |
Switzerland |
Threadneedle EMEA Holdings 1, LLC |
Minnesota, USA |
Threadneedle Holdings Limited |
England & Wales |
TAM UK Holdings Limited |
England & Wales |
Threadneedle Asset Management Holdings Limited** |
England & Wales |
Columbia Threadneedle Foundation |
England & Wales |
TC Financing Limited |
England & Wales |
Threadneedle Asset Management Limited |
England & Wales |
Threadneedle Investment Services Limited |
England & Wales |
Threadneedle Asset Management (Nominees) Limited |
England & Wales |
Sackville TIPP Property (GP) Limited |
England & Wales |
Threadneedle Asset Management Finance Limited |
England & Wales |
TMS Investment Limited |
Jersey |
Threadneedle International Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Threadneedle Investments (Channel Islands) Limited |
Jersey |
Threadneedle Investments Limited |
England & Wales |
Threadneedle Management Services Limited |
England & Wales |
Threadneedle Pension Trustees Limited |
England & Wales |
Threadneedle Navigator ISA Manager Limited |
England & Wales |
Threadneedle Pensions Limited |
England & Wales |
Threadneedle Portfolio Services AG |
Switzerland |
Threadneedle Portfolio Services Limited |
England & Wales |
Threadneedle Property Investments Limited |
England & Wales |
Sackville (CTESIF) 2&3 GP Sàrl |
Luxembourg |
Sackville LCW (GP) Limited |
England & Wales |
Sackville LCW Sub LP 1 (GP) Limited |
England & Wales |
Sackville LCW Nominee 1 Limited |
England & Wales |
Sackville LCW Nominee 2 Limited |
England & Wales |
Sackville LCW Sub LP 2 (GP) Limited |
England & Wales |
Sackville LCW Nominee 3 Limited |
England & Wales |
Sackville LCW Nominee 4 Limited |
England & Wales |
Sackville Property Atlantic (Jersey GP) Limited |
Jersey |
Sackville Property Curtis (Jersey GP) Limited |
Jersey |
Sackville Property Farnborough (Jersey GP) Limited |
Jersey |
Sackville Property Hayes (Jersey GP) Limited |
Jersey |
Sackville UKPEC6 Hayes Nominee 1 Limited |
Jersey |
Sackville UKPEC6 Hayes Nominee 2 Limited |
Jersey |
Sackville Tandem Property (GP) Limited |
England & Wales |
Sackville TPEN Property (GP) Limited |
England & Wales |
Sackville TSP Property (GP) Limited |
England & Wales |
Sackville UK Property Select II (GP) Limited |
England & Wales |
Parent Company /Subsidiary Name |
Jurisdiction |
Sackville UK Property Select II (GP) No. 3 Limited |
England & Wales |
Sackville UK Property Select II Nominee (3) Limited |
England & Wales |
Sackville UK Property Select III (GP) No. 1 Limited |
England & Wales |
Sackville UK Property Select III Nominee (1) Limited |
England & Wales |
Sackville UK Property Select III Nominee (2) Limited |
England & Wales |
Sackville UK Property Select III (GP) No. 2 Limited |
England & Wales |
Sackville UK Property Select III Nominee (3) Ltd |
England & Wales |
Sackville UK Property Select III Nominee (4) Ltd |
England & Wales |
Sackville UK Property Select III (GP) No. 3 Limited |
England & Wales |
Sackville UK Property Select III Nominee (5) Ltd |
England & Wales |
Sackville UK Property Select III Nominee (6) Ltd |
England & Wales |
Sackville UK Property Select III (GP) S.à r.l. |
Luxembourg |
Sackville UK Property Select IV (GP) S.à.r.l. |
Luxembourg |
Sackville UK Property Select IV (GP) No. 1 Limited |
England |
Sackville UK Property Select IV Nominee (1) Limited |
England |
Sackville UK Property Select IV Nominee (2) Limited |
England |
Sackville UK Property Select IV (GP) No. 2 Limited |
England |
Sackville UK Property Select IV Nominee (3) Limited |
England |
Sackville UK Property Select IV Nominee (4) Limited |
England |
Sackville UK Property Select IV (GP) No. 3 Limited |
England |
Sackville UK Property Select IV Nominee (5) Limited |
England |
Sackville UK Property Select IV Nominee (6) Limited |
England |
Sackville UKPEC1 Leeds (GP) Limited |
England & Wales |
Sackville UKPEC3 Croxley (GP) Limited |
England & Wales |
Threadneedle Property Execution 1 Limited |
England & Wales |
Threadneedle Property Execution 2 Limited |
England & Wales |
Threadneedle UK Property Select IV Feeder SA SICAV-RAIF |
Luxembourg |
Parent Company /Subsidiary Name |
Jurisdiction |
Threadneedle Unit Trust Manager Limited |
England & Wales |
Threadneedle Management Luxembourg S.A. |
Luxembourg |
Name and Principal Business Address* |
|
Positions and Offices with Underwriter |
Kara D. Sherman |
|
Director |
Gumer C. Alvero |
|
Chairman of the Board and Chief Executive Officer |
Shweta Jhanji |
|
Senior Vice President and Treasurer |
Paula J. Minella |
|
Secretary |
Jason S. Bartylla |
|
Chief Financial Officer |
Sara S. Janz |
|
Director |
NAME OF PRINCIPAL UNDERWRITER |
NET UNDERWRITING DISCOUNTS AND COMMISSIONS |
COMPENSATION ON REDEMPTION |
BROKERAGE COMMISSIONS |
OTHER COMPENSATION |
RiverSource Distributors, Inc. |
$394,275,424 |
None |
None |
None |
|
RiverSource Variable Life Separate Account | |
|
(Registrant) | |
|
By: |
/s/ Gumer C. Alvero |
|
|
Gumer C. Alvero Chairman of the Board and President |
|
RiverSource Life Insurance Company | |
|
(Depositor) | |
|
By: |
/s/ Gumer C. Alvero |
|
|
Gumer C. Alvero Chairman of the Board and President |
Signature |
Title |
/s/ Gumer C. Alvero |
Chairman of the Board and President (Chief Executive Officer) |
Gumer C. Alvero | |
/s/ Michael J. Pelzel |
Senior Vice President – Corporate Tax |
Michael J. Pelzel | |
/s/ Stephen P. Blaske |
Director, Senior Vice President and Chief Actuary |
Stephen P. Blaske | |
/s/ Shweta Jhanji |
Senior Vice President and Treasurer |
Shweta Jhanji | |
/s/ Brian E. Hartert |
Chief Financial Officer (Chief Financial Officer) |
Brian E. Hartert | |
/s/ Gene R. Tannuzzo |
Director |
Gene R. Tannuzzo | |
/s/ Gregg L. Ewing |
Vice President and Controller (Principal Accounting Officer) |
Gregg L. Ewing | |
/s/ Stephen R. Wolfrath |
Director, Vice President-Insurance and Annuities Product Development and Management |
Stephen R. Wolfrath | |
/s/ John R. Hutt |
Director |
John R. Hutt |