N-4
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Sep. 19, 2025
USD ($)
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Prospectus: |
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Document Type |
N-4
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Entity Registrant Name |
RIVERSOURCE VARIABLE ACCOUNT 10
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Entity Central Index Key |
0001000191
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Entity Investment Company Type |
N-4
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Document Period End Date |
Sep. 19, 2025
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Amendment Flag |
false
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RVS Group I |
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Prospectus: |
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Fees and Expenses [Text Block] |
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FEES, EXPENSES, AND ADJUSTMENTS |
Location in Statutory Prospectus |
Are There Charges or Adjustments for Early Withdrawals? |
Yes. A positive or negative MVA is assessed if any portion of a GPA is surrendered or transferred more than thirty days before the end of its guarantee period. You could lose up to 100% of the amount withdrawn from a GPA as a result of a negative MVA. For example, if you allocate $100,000 to a GPA with a 3-year guarantee period and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay taxes and tax penalties. The following transactions when applied to a GPA, which we refer to as “early surrenders,” are subject to an MVA when they occur more than 30 days prior to the end of the guarantee period, unless an exception applies: (i) surrenders (including full and partial surrenders, systematic withdrawals, and required minimum distributions), (ii) transfers, and (iii) annuitization. We will not apply a negative MVA to the payment of the death benefit. An MVA may increase the death benefit but will not decrease it. |
Fee Table and Examples Charges and Adjustments – Adjustments – Market Value Adjustments |
Are There Transaction Charges? |
No. Other than a certificate administrative charge and negative MVAs, we do not assess any transaction charges. |
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Are There Ongoing Fees and Expenses? |
Yes. The table below describes the current fees and expenses that you may pay each year, depending on the investment options you choose. |
Fee Table and Examples Charges and Adjustments – Annual Contract Expenses Appendix A: Investment Options Available Under the Contract and Certificate |
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Fund options (Funds fees and expenses)(2) |
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(1) As a percentage of average daily certificate value in the variable account. Includes the Mortality and Expense Fee and contract administrative charge. (2) As a percentage of Fund net assets. Because your Certificate is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Certificate, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Certificate, which could add negative MVAs that substantially increase costs. |
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Highest Annual Cost: $2,635 |
Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Fund fees and expenses •No sales charge •No additional purchase payments, transfers or withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Fund fees and expenses •No sales charge •No additional purchase payments, transfers or withdrawals |
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Charges for Early Withdrawals [Text Block] |
Are There Charges or Adjustments for Early Withdrawals? |
Yes. A positive or negative MVA is assessed if any portion of a GPA is surrendered or transferred more than thirty days before the end of its guarantee period. You could lose up to 100% of the amount withdrawn from a GPA as a result of a negative MVA. For example, if you allocate $100,000 to a GPA with a 3-year guarantee period and later withdraw the entire amount before the 3 years have ended, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay taxes and tax penalties. The following transactions when applied to a GPA, which we refer to as “early surrenders,” are subject to an MVA when they occur more than 30 days prior to the end of the guarantee period, unless an exception applies: (i) surrenders (including full and partial surrenders, systematic withdrawals, and required minimum distributions), (ii) transfers, and (iii) annuitization. We will not apply a negative MVA to the payment of the death benefit. An MVA may increase the death benefit but will not decrease it. |
Fee Table and Examples Charges and Adjustments – Adjustments – Market Value Adjustments |
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Transaction Charges [Text Block] |
Are There Transaction Charges? |
No. Other than a certificate administrative charge and negative MVAs, we do not assess any transaction charges. |
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Ongoing Fees and Expenses [Table Text Block] |
Are There Ongoing Fees and Expenses? |
Yes. The table below describes the current fees and expenses that you may pay each year, depending on the investment options you choose. |
Fee Table and Examples Charges and Adjustments – Annual Contract Expenses Appendix A: Investment Options Available Under the Contract and Certificate |
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Fund options (Funds fees and expenses)(2) |
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(1) As a percentage of average daily certificate value in the variable account. Includes the Mortality and Expense Fee and contract administrative charge. (2) As a percentage of Fund net assets. Because your Certificate is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Certificate, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Certificate, which could add negative MVAs that substantially increase costs. |
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Highest Annual Cost: $2,635 |
Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive combination of Fund fees and expenses •No sales charge •No additional purchase payments, transfers or withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of Fund fees and expenses •No sales charge •No additional purchase payments, transfers or withdrawals |
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Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent] |
0.60%
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Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent] |
0.60%
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Base Contract (N-4) Footnotes [Text Block] |
As a percentage of average daily certificate value in the variable account. Includes the Mortality and Expense Fee and contract administrative charge.
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Investment Options (of Average Annual Net Assets) Minimum [Percent] |
0.38%
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Investment Options (of Average Annual Net Assets) Maximum [Percent] |
2.44%
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Investment Options Footnotes [Text Block] |
As a percentage of Fund net assets.
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Lowest Annual Cost [Dollars] |
$ 917
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Highest Annual Cost [Dollars] |
$ 2,635
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Risks [Table Text Block] |
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Location in Statutory Prospectus |
Is There a Risk of Loss from Poor Performance? |
Yes. You can lose money by investing in this Certificate including loss of principal. |
Principal Risks of Investing in the Contract and Certificate |
Is This a Short-Term Investment? |
No. •The Certificate is not a short-term investment and is not appropriate for an investor who needs ready access to cash. •Surrenders may also be subject to taxes and tax penalties. •Surrenders from a GPA prior to 30 days before the end of the guarantee period may also result in a negative MVA. During the 30-day period ending on the last day of the guarantee period, you may choose to start a new guarantee period of the same length, transfer the certificate value from the current GPA to any of the investment options available under the Certificate, apply the certificate value to an annuity payout plan, or surrender the value from the current GPA(all subject to applicable surrender, transfer, and annuitization provisions). If we do not receive any instructions by the end of the guarantee period, we will automatically transfer the certificate value from the current GPA into the shortest GPA term available. •The benefits of tax deferral and long-term income mean the Certificate is generally more beneficial to investors with a long term investment horizon. |
Principal Risks of Investing in the Contract and Certificate Charges and Adjustments – Adjustments – Market Value Adjustments |
What Are the Risks Associated With the Investment Options? |
•An investment in the Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Certificate. •Each investment option (including under the GPAs and any Fixed Account investment options) has its own unique risks. •You should review the investment options before making any investment decisions. |
Principal Risks of Investing in the Contract and Certificate The Variable Account and the Funds The “Nonunitized” Separate Account and the Guarantee Period Accounts (GPAs) The Fixed Account |
What Are the Risks Related to the Insurance Company? |
An investment in the Certificate is subject to the risks related to us. Any obligations (including under the Fixed Account) or guarantees and benefits of the Certificate that exceed the assets of the Separate Account are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about RiverSource Life, including our financial strength ratings, is available by contacting us at 1-800-862-7919. |
Principal Risks of Investing in the Contract and Certificate The General Account |
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Investment Restrictions [Text Block] |
Yes. Subject to certain restrictions, you may transfer your certificate account value among the subaccounts without charge at any time before the annuitization start date, and once per contract year after the annuitization start date.•Certain transfers out of the GPAs will be subject to an MVA.•We reserve the right to modify, restrict or suspend your transfer privileges if we determine that your transfer activity constitutes market timing.•We reserve the right to add, remove or substitute funds as investment options. We also reserve the right, upon notification to you, to close or restrict any funds.
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Tax Implications [Text Block] |
•Consult with a tax advisor to determine the tax implications of an investment in and payments and withdrawals received under this Certificate.•If you purchase the Certificate through a tax-qualified plan or individual retirement account, you do not get any additional tax benefit.•Earnings under your contract are taxed at ordinary income tax rates generally when withdrawn. You may have to pay a tax penalty if you take a withdrawal before age 59½.
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Investment Professional Compensation [Text Block] |
Your investment professional may receive compensation for selling this Certificate to you, in the form of commissions, additional cash benefits (e.g., bonuses), and non-cash compensation. This financial incentive may influence your investment professional to recommend this Contract over another investment for which the investment professional is not compensated or compensated less.
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Item 4. Fee Table [Text Block] |
Fee Table and ExamplesThe following tables describe the fees, expenses and adjustments that you will pay when buying, owning, surrendering, or making withdrawals from an investment option or from the Certificate. Please refer to your Certificate Data page for information about the specific fees you will pay each year based on the options you have elected.The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of certificate account value is removed from an investment option before the expiration of a specified period. Adjustments
MVA Maximum Potential Loss (as a percentage of amount withdrawn from a GPA)(1) |
| (1)The following transactions when applied to a GPA, which we refer to as “early surrenders,” are subject to an MVA when they occur more than 30 days prior to the end of the guarantee period, unless an exception applies: (i) surrenders (including full and partial surrenders, systematic withdrawals, and required minimum distributions), (ii) transfers, and (iii) annuitization. We will not apply a negative MVA to the payment of the death benefit. An MVA may increase the death benefit but will not decrease it.The following table describes the fees and expenses that you will pay each year during the time that you own the certificate (not including funds fees and expenses). Annual Certificate ExpensesAdministrative Expenses
Annual certificate administrative charge |
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Annual certificate administrative charge if your certificate account value equals or exceeds $50,000 |
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Certificate administrative charge at full surrender |
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| Base Contract Expenses (as a percentage of average daily certificate account value in the variable account)
Mortality and expense risk fee |
| The next table shows the minimum and maximum total operating expenses charged by the funds that you may pay periodically during the time that you own the certificate. Expenses shown may change over time and may be higher or lower in the future. A complete list of funds available under the contract and certificate, including their annual expenses, may be found in Appendix A. Annual Fund Expenses(1)Minimum and maximum annual operating expenses for the funds (Including management, distribution (12b-1) and/or service fees and other expenses)(1)
Total Annual Fund Expenses |
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(expenses deducted from the Fund assets, including management fees, distribution and/or service (12b-1) fees and other expenses) |
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| (1)Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contract owner services provided on behalf of the fund. The amount of these payments will vary by fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select subaccounts investing in funds that have adopted 12b-1 plans than if you select subaccounts investing in funds that have not adopted 12b-1 plans. For a more complete description of each fund’s fees and expenses and important disclosure regarding payments the fund and/or its affiliates make, please review the fund’s prospectus and SAI.
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Annual Contract Expenses [Table Text Block] |
Annual Certificate ExpensesAdministrative Expenses
Annual certificate administrative charge |
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Annual certificate administrative charge if your certificate account value equals or exceeds $50,000 |
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Certificate administrative charge at full surrender |
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| Base Contract Expenses (as a percentage of average daily certificate account value in the variable account)
Mortality and expense risk fee |
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Administrative Expense, Maximum [Dollars] |
$ 50
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Administrative Expense, Current [Dollars] |
$ 0
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Base Contract Expense (of Average Account Value), Current [Percent] |
0.60%
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Annual Portfolio Company Expenses [Table Text Block] |
Annual Fund Expenses(1)Minimum and maximum annual operating expenses for the funds (Including management, distribution (12b-1) and/or service fees and other expenses)(1)
Total Annual Fund Expenses |
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(expenses deducted from the Fund assets, including management fees, distribution and/or service (12b-1) fees and other expenses) |
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Portfolio Company Expenses [Text Block] |
(expenses deducted from the Fund assets, including management fees, distribution and/or service (12b-1) fees and other expenses)
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Portfolio Company Expenses Minimum [Percent] |
0.38%
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Portfolio Company Expenses Maximum [Percent] |
2.44%
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Portfolio Company Expenses, Footnotes [Text Block] |
Total annual fund operating expenses are deducted from amounts that are allocated to the fund. They include management fees and other expenses and may include distribution (12b-1) fees. Other expenses may include service fees that may be used to compensate service providers, including us and our affiliates, for administrative and contract owner services provided on behalf of the fund. The amount of these payments will vary by fund and may be significant. See “The Variable Account and the Funds” for additional information, including potential conflicts of interest these payments may create. Distribution (12b-1) fees are used to finance any activity that is primarily intended to result in the sale of fund shares. Because 12b-1 fees are paid out of fund assets on an ongoing basis, you may pay more if you select subaccounts investing in funds that have adopted 12b-1 plans than if you select subaccounts investing in funds that have not adopted 12b-1 plans. For a more complete description of each fund’s fees and expenses and important disclosure regarding payments the fund and/or its affiliates make, please review the fund’s prospectus and SAI.
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Surrender Expense, 1 Year, Maximum [Dollars] |
$ 3,166
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Surrender Expense, 1 Year, Minimum [Dollars] |
1,005
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Surrender Expense, 3 Years, Maximum [Dollars] |
9,671
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Surrender Expense, 3 Years, Minimum [Dollars] |
3,136
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Surrender Expense, 5 Years, Maximum [Dollars] |
16,412
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Surrender Expense, 5 Years, Minimum [Dollars] |
5,440
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Surrender Expense, 10 Years, Maximum [Dollars] |
34,365
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Surrender Expense, 10 Years, Minimum [Dollars] |
12,058
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Annuitized Expense, 1 Year, Maximum [Dollars] |
3,166
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Annuitized Expense, 1 Year, Minimum [Dollars] |
1,005
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Annuitized Expense, 3 Years, Maximum [Dollars] |
9,671
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Annuitized Expense, 3 Years, Minimum [Dollars] |
3,136
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Annuitized Expense, 5 Years, Maximum [Dollars] |
16,412
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Annuitized Expense, 5 Years, Minimum [Dollars] |
5,440
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Annuitized Expense, 10 Years, Maximum [Dollars] |
34,365
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Annuitized Expense, 10 Years, Minimum [Dollars] |
12,058
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No Surrender Expense, 1 Year, Maximum [Dollars] |
3,166
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No Surrender Expense, 1 Year, Minimum [Dollars] |
1,005
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No Surrender Expense, 3 Years, Maximum [Dollars] |
9,671
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No Surrender Expense, 3 Years, Minimum [Dollars] |
3,136
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No Surrender Expense, 5 Years, Maximum [Dollars] |
16,412
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No Surrender Expense, 5 Years, Minimum [Dollars] |
5,440
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No Surrender Expense, 10 Years, Maximum [Dollars] |
34,365
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No Surrender Expense, 10 Years, Minimum [Dollars] |
$ 12,058
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Item 5. Principal Risks [Table Text Block] |
Principal Risks of Investing in the Contract and CertificateRisk of Loss. Variable annuities involve risks, including possible loss of principal. Your losses could be significant. This certificate is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This certificate is not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency. Short-Term Investment Risk. This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this contract is more beneficial to investors with a long-term investment horizon. Withdrawal Risk. You should carefully consider the risks associated with withdrawals under the contract. If you make a withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax. A positive or negative MVA is assessed if any portion of a Guarantee Period Account is surrendered or transferred more than thirty days before the end of its guarantee period. You could lose up to 100% of your investment in a GPA as a result of a negative MVA. A withdrawal may reduce the value of your death benefit. A total withdrawal (surrender) will result in the termination of your certificate. Subaccount Risk. Amounts that you invest in the subaccounts are subject to the risk of poor investment performance. You assume the investment risk. Generally, if the subaccounts that you select make money, your certificate account value goes up, and if they lose money, your certificate account value goes down. Each subaccount’s performance depends on the performance of its underlying Fund. Each underlying Fund has its own investment risks, and you are exposed to the Fund’s investment risks when you invest in a subaccount. You are responsible for selecting subaccounts that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk tolerance. For risks associated with any Fixed Account options, see Financial Strength and Claims-Paying Ability Risk below. GPA Risk. Each GPA pays an interest rate declared by us when you make an allocation to that account and is fixed for the guarantee period you choose. We will periodically change the declared interest rate for future allocations to these accounts at our discretion based, in part, on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life's revenues and expenses. We guarantee the certificate account value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPA prior to 30 days before the end of the guarantee period. At all other times, and unless an exception applies, we will apply a MVA if you surrender or transfer certificate account value from a GPA or you elect an annuity payout plan while you have certificate account value invested in a GPA. The MVA may be negative, positive or result in no change depending on how the guaranteed interest rate on your GPA compares to the new interest rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. You bear the risk of loss of principal due to a negative MVA. Partial surrenders will reduce certain death benefits proportionally based on the percentage of certificate account value that is withdrawn and if you request a partial surrender from the GPAs that will give you the net amount you requested after we apply any applicable MVA and certificate administrative charge, a negative MVA will increase the impact of the partial surrender on the value of the death benefit. Managed Volatility Fund Risk. The Portfolio Stabilizer funds are managed volatility funds that employ a strategy designed to reduce overall volatility and downside risk. These risk management techniques help us manage our financial risks associated with the certificate’s guarantees, because they reduce the incidence of extreme outcomes including the probability of large gains or losses. However, these strategies can also limit your participation in rising equity markets, which may limit the potential growth of your certificate account value and may therefore conflict with your personal investment objectives. Certain Funds advised by our affiliate, Columbia Management, employ such risk management strategies. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility funds. Purchase Payment Risk. Your ability to make subsequent purchase payments is subject to restrictions. Also, our prior approval may be required before accepting certain purchase payments. We reserve the right to limit certain annuity features (for example, investment options) if prior approval is required. There is no guarantee that you will always be permitted to make purchase payments. Certificate Changes Risk. We reserve the right to make certain changes in the future, subject to applicable law. During the annuity payout period, we reserve the right to limit the number of subaccounts in which you may invest. We reserve the right to add, remove or substitute approved investment options at any time and in our sole discretion. We reserve the right to close or restrict approved investment options in our sole discretion. Financial Strength and Claims-Paying Ability Risk. All guarantees under the contract and certificate that are paid from our general account (including under any Fixed Account option) are subject to our financial strength and claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. Cybersecurity Risk. Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners. This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following: •the corruption or destruction of data; •theft, misuse or dissemination of data to the public, including your information we hold; and •denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them. These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct transactions on your contract, or your ability to receive timely service from us. The risk of cyberattacks may be higher during periods of geopolitical turmoil. There can be no assurance that we, the underlying funds in your contract, or our other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information security breaches. Potential Adverse Tax Consequences. Tax considerations vary by individual facts and circumstances. Tax rules may change without notice. Generally, Earnings under your contract are taxed at ordinary income tax rates when withdrawn. You may have to pay a tax penalty if you take a withdrawal before age 59 ½. If you purchase a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what is provided in that retirement plan. Consult a tax professional.
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Item 10. Benefits Available (N-4) [Text Block] |
Benefits Available Under the Contract and CertificateThe following table summarizes information about the benefits available under the Certificate.
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Brief Description of Restrictions/ Limitations |
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Allows the systematic transfer of a specified dollar amount among the subaccounts |
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•Transfers not available to or from the GPAs or the Special DCA fixed account |
Special Dollar Cost Averaging (SDCA) |
Allows the systematic transfer from the Special DCA fixed account to one or more eligible subaccounts |
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•Must be funded with a purchase payment, not transferred certificate account value •Only 6-month and 12-month options may be available •Transfers occur on a monthly basis and the first monthly transfer occurs one day after we receive your purchase payment •You may not use the GPA account or the Special DCA fixed account as a destination for the Special DCA monthly transfer. |
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Allows you to have your investments periodically rebalanced among the subaccounts to your pre-selected percentages |
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•You must have $2,000 in Certificate account value to participate. •We require 30 days notice for you to change or cancel the program •You can request rebalancing to be done either quarterly, semiannually or annually |
Automated Partial Surrenders/ Systematic Withdrawals |
Allows automated partial surrenders from the contract |
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•Additional systematic payments are not allowed with automated partial surrenders •May result in income taxes and IRS penalty on all or a portion of the amounts surrendered |
Standard Death Benefit (available for certificate owners age 79 and younger) |
Provides a guaranteed death benefit equal to the greater of the certificate account value, minus any loan balance, or the Return of Purchase Payment Value (ROPP), minus any loan balance |
0.60% of average daily certificate value in the variable account value |
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•Withdrawals will proportionately reduce the benefit, which means your benefit could be reduced by more than the dollar amount of your withdrawals, and such reductions could be significant •Annuitizing the Certificate terminates the benefit. |
Standard Death Benefit (available for certificate owners age 80 and younger) |
Provides a guaranteed death benefit equal to the certificate account value, minus any loan balance |
0.60% of average daily certificate value in the variable account value |
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•Annuitizing the Certificate terminates the benefit. |
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Benefits Available [Table Text Block] |
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Brief Description of Restrictions/ Limitations |
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Allows the systematic transfer of a specified dollar amount among the subaccounts |
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•Transfers not available to or from the GPAs or the Special DCA fixed account |
Special Dollar Cost Averaging (SDCA) |
Allows the systematic transfer from the Special DCA fixed account to one or more eligible subaccounts |
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•Must be funded with a purchase payment, not transferred certificate account value •Only 6-month and 12-month options may be available •Transfers occur on a monthly basis and the first monthly transfer occurs one day after we receive your purchase payment •You may not use the GPA account or the Special DCA fixed account as a destination for the Special DCA monthly transfer. |
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Allows you to have your investments periodically rebalanced among the subaccounts to your pre-selected percentages |
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•You must have $2,000 in Certificate account value to participate. •We require 30 days notice for you to change or cancel the program •You can request rebalancing to be done either quarterly, semiannually or annually |
Automated Partial Surrenders/ Systematic Withdrawals |
Allows automated partial surrenders from the contract |
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•Additional systematic payments are not allowed with automated partial surrenders •May result in income taxes and IRS penalty on all or a portion of the amounts surrendered |
Standard Death Benefit (available for certificate owners age 79 and younger) |
Provides a guaranteed death benefit equal to the greater of the certificate account value, minus any loan balance, or the Return of Purchase Payment Value (ROPP), minus any loan balance |
0.60% of average daily certificate value in the variable account value |
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•Withdrawals will proportionately reduce the benefit, which means your benefit could be reduced by more than the dollar amount of your withdrawals, and such reductions could be significant •Annuitizing the Certificate terminates the benefit. |
Standard Death Benefit (available for certificate owners age 80 and younger) |
Provides a guaranteed death benefit equal to the certificate account value, minus any loan balance |
0.60% of average daily certificate value in the variable account value |
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•Annuitizing the Certificate terminates the benefit. |
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Name of Benefit [Text Block] |
Name of Benefit
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Purpose of Benefit [Text Block] |
Purpose
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Brief Restrictions / Limitations [Text Block] |
Brief Description of Restrictions/ Limitations
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Name of Benefit [Text Block] |
Name of Benefit
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Item 17. Portfolio Companies (N-4) [Text Block] |
Appendix A: Investment Options Available Under the Contract and CertificateThe following is a list of funds available under the contract and certificate. 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. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversource.annuityservice@ampf.com. 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 contract 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.
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Prospectuses Available [Text Block] |
The following is a list of funds available under the contract and certificate. 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. You can also request this information at no cost by calling 1-800-862-7919 or by sending an email request to riversource.annuityservice@ampf.com. 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 contract 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.
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Portfolio Companies [Table Text Block] |
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Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2024) |
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Seeks to maximize total return consistent with AllianceBernstein's determination of reasonable risk. |
AB VPS Dynamic Asset Allocation Portfolio AllianceBernstein L.P. |
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Seeks long-term growth of capital. |
AB VPS Large Cap Growth Portfolio (Class B) AllianceBernstein L.P. |
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Seeks long-term capital appreciation. |
Allspring VT Opportunity Fund - Class 2 Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, sub-adviser. |
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Seeks long-term capital appreciation. |
Allspring VT Small Cap Growth Fund - Class 2 Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, sub-adviser. |
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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 III ALPS Advisors, Inc. |
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Seeks high total investment return. |
BlackRock Global Allocation V.I. Fund (Class III) BlackRock Advisors, LLC, adviser; BlackRock (Singapore) Limited, sub-adviser. |
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Seeks maximum total investment return through a combination of capital growth and current income. |
Columbia Variable Portfolio - Balanced Fund (Class 2) (available for contract applications signed on or after 5/3/2021) Columbia Management Investment Advisers, LLC |
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Seeks maximum total investment return through a combination of capital growth and current income. |
Columbia Variable Portfolio - Balanced Fund (Class 3) (available for contract applications signed prior to 5/3/2021) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with total return. |
Columbia Variable Portfolio - Commodity Strategy Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks total return, consisting of long-term capital appreciation and current income. |
Columbia Variable Portfolio - Contrarian Core Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with high total return through income and growth of capital. |
Columbia Variable Portfolio - Corporate Bond Fund (Class 2) (previously Columbia Variable Portfolio - Global Strategic Income Fund (Class 2)) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with capital appreciation. |
Columbia Variable Portfolio - Disciplined Core Fund (Class 2) Columbia Management Investment Advisers, LLC |
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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 2) Columbia Management Investment Advisers, LLC |
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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 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with long-term capital growth. |
Columbia Variable Portfolio - Emerging Markets Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with maximum current income consistent with liquidity and stability of principal. |
Columbia Variable Portfolio - Government Money Market Fund (Class 2) Columbia Management Investment Advisers, LLC |
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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 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with a high total return through current income and capital appreciation. |
Columbia Variable Portfolio - Income Opportunities Fund (Class 2) Columbia Management Investment Advisers, LLC |
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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 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with long-term capital growth. |
Columbia Variable Portfolio - Large Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with long-term capital appreciation. |
Columbia Variable Portfolio - Large Cap Index Fund (Class 2) (available for contract applications signed on or after 5/3/2021) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with long-term capital appreciation. |
Columbia Variable Portfolio - Large Cap Index Fund (Class 3) (available for contract applications signed prior to 5/3/2021) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with a level of current income consistent with preservation of capital. |
Columbia Variable Portfolio - Limited Duration Credit Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks total return, consisting of current income and capital appreciation. |
Columbia Variable Portfolio - Long Government/Credit Bond Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with capital appreciation. |
Columbia Variable Portfolio - Overseas Core Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with long-term growth of capital. |
Columbia Variable Portfolio - Select Large Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with growth of capital. |
Columbia Variable Portfolio - Select Mid Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with long-term growth of capital. |
Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with long-term capital growth. |
Columbia Variable Portfolio - Select Small Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC |
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Fund and Adviser/Sub-Adviser |
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Seeks total return, consisting of current income and capital appreciation. |
Columbia Variable Portfolio - Strategic Income Fund (Class 2) Columbia Management Investment Advisers, LLC |
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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 2) Columbia Management Investment Advisers, LLC |
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Seeks to provide shareholders with a high level of current income. |
CTIVP® - American Century Diversified Bond Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; American Century Investment Management, Inc., subadviser. |
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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-Protected Securities Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser; BlackRock International Limited, sub-subadviser. |
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Seeks to provide shareholders with current income and capital appreciation. |
CTIVP® - CenterSquare Real Estate Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; CenterSquare Investment Management LLC, subadviser. |
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Seeks to provide shareholders with long-term capital growth. |
CTIVP® - Principal Blue Chip Growth Fund (Class 2) (on or about June 1, 2025 to be known as CTIVP® - Principal Large Cap Growth Fund (Class 2)) Columbia Management Investment Advisers, LLC, adviser; Principal Global Investors, LLC, subadviser. |
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Seeks to provide shareholders with long-term growth of capital and income. |
CTIVP® - T. Rowe Price Large Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; T. Rowe Price Associates, Inc., subadviser. |
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Seeks to provide shareholders with total return through current income and capital appreciation. |
CTIVP® - TCW Core Plus Bond Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; TCW Investment Management Company LLC, subadviser. |
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Seeks to provide shareholders with long-term growth of capital. |
CTIVP® - Victory Sycamore Established Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management Inc., subadviser. |
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Seeks to provide shareholders with long-term capital growth. |
CTIVP® - Wellington Large Cap Value Fund (Class 2) (previously CTIVP® - MFS® Value Fund (Class 2)) Columbia Management Investment Advisers, LLC, adviser; Wellington Management Company LLP, subadviser. |
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Seeks to provide shareholders with long-term capital growth. |
CTIVP® - Westfield Mid Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Westfield Capital Management Company, L.P., subadviser. |
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Seeks to provide shareholders with long-term capital growth. |
CTIVP® - Westfield Select Large Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Westfield Capital Management Company, L.P., subadviser. |
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Seeks capital appreciation. |
DWS Alternative Asset Allocation VIP, DWS Investment Management Americas Inc., adviser; RREEF America L.L.C., subadvisor. |
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Seeks long-term capital appreciation. |
Fidelity® VIP Contrafund® Portfolio Service Class 2 Fidelity Management & Research Company (the Adviser) is the fund’s manager. Fidelity Management & Research Company (UK) Limited, Fidelity Management & Research Company (Hong Kong) Limited, Fidelity Management & Research Company (Japan) Limited, subadvisers. |
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Seeks long-term growth of capital. |
Fidelity® VIP Mid Cap Portfolio Service Class 2 Fidelity Management & Research Company (the Adviser) is the fund’s manager. Fidelity Management & Research Company (UK) Limited, Fidelity Management & Research Company (Hong Kong) Limited, Fidelity Management & Research Company (Japan) Limited, subadvisers. |
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Seeks a high level of current income and may also seek capital appreciation. |
Fidelity® VIP Strategic Income Portfolio Service Class 2 Fidelity Management & Research Company (the Adviser) is the fund’s manager. 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. |
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Fund and Adviser/Sub-Adviser |
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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 2 Franklin Advisers, Inc. |
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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 2 Franklin Mutual Advisers, LLC |
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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 2 Franklin Mutual Advisers, LLC |
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Seeks total return with a low to moderate correlation to traditional financial market indices. |
Invesco V.I. Balanced-Risk Allocation Fund, Invesco Advisers, Inc. |
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Seeks capital appreciation. |
Invesco V.I. Global Fund, Series II Shares Invesco Advisers, Inc. |
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Invesco V.I. Global Strategic Income Fund, Series II Shares Invesco Advisers, Inc. |
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Seeks capital appreciation. |
Invesco V.I. Main Street Small Cap Fund®, Series II Shares Invesco Advisers, Inc. |
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Seeks long-term capital growth, consistent with preservation of capital and balanced by current income. |
Janus Henderson Balanced Portfolio: Service Shares Janus Henderson Investors US LLC |
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Seeks to obtain maximum total return, consistent with preservation of capital. |
Janus Henderson Flexible Bond Portfolio: Service Shares Janus Henderson Investors US LLC |
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Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2024) |
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Non-diversified fund that pursues its investment objective by investing primarily in common stocks selected for their growth potential. |
Janus Henderson Research Portfolio: Service Shares Janus Henderson Investors US LLC |
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Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares1 Lazard Asset Management, LLC |
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Seeks long-term capital growth. Income is a secondary objective. |
LVIP American Century Value Fund, Service Class American Century Investment Management, Inc. |
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Seeks to provide total return. |
Macquarie VIP Asset Strategy Series - Service Class Delaware Management Company |
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MFS® Utilities Series - Service Class Massachusetts Financial Services Company |
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The Fund seeks long-term capital growth by investing primarily in common stocks and other equity securities. |
Morgan Stanley VIF Discovery Portfolio, Class II Shares Morgan Stanley Investment Management Inc. |
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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 Sustainable Equity Portfolio (Class S) Neuberger Berman Investment Advisers LLC |
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Seeks maximum real return, consistent with preservation of real capital and prudent investment management. |
PIMCO VIT All Asset Portfolio, Advisor Class3 Pacific Investment Management Company LLC (PIMCO) |
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Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index. |
PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class3 Pacific Investment Management Company LLC (PIMCO) |
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Seeks maximum total return, consistent with preservation of capital and prudent investment management. |
PIMCO VIT Total Return Portfolio, Advisor Class Pacific Investment Management Company LLC (PIMCO) |
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Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2024) |
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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 2 Franklin Advisers, Inc. |
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Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments. |
VanEck VIP Global Gold Fund (Class S Shares) Van Eck Associates Corporation |
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Seeks to provide a high level of total return that is consistent with an aggressive level of risk. |
Variable Portfolio - Aggressive Portfolio Columbia Management Investment Advisers, LLC |
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Seeks to provide a high level of total return that is consistent with a conservative level of risk. |
Variable Portfolio - Conservative Portfolio Columbia Management Investment Advisers, LLC |
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Pursues total return while seeking to manage the Fund's exposure to equity market volatility. |
Variable Portfolio - Managed Risk Fund Columbia Management Investment Advisers, LLC |
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Pursues total return while seeking to manage the Fund's exposure to equity market volatility. |
Variable Portfolio - Managed Risk U.S. Fund Columbia Management Investment Advisers, LLC |
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Pursues total return while seeking to manage the Fund's exposure to equity market volatility. |
Variable Portfolio - Managed Volatility Conservative Fund (Class 2)1,3 Columbia Management Investment Advisers, LLC |
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Pursues total return while seeking to manage the Fund's exposure to equity market volatility. |
Variable Portfolio - Managed Volatility Conservative Growth Fund (Class 2)1,3 Columbia Management Investment Advisers, LLC |
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Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2024) |
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Pursues total return while seeking to manage the Fund's exposure to equity market volatility. |
Variable Portfolio - Managed Volatility Growth Columbia Management Investment Advisers, LLC |
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Pursues total return while seeking to manage the Fund’s exposure to equity market volatility. |
Variable Portfolio - Managed Volatility Moderate Growth Fund (Class 2)1,3 Columbia Management Investment Advisers, LLC |
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Seeks to provide a high level of total return that is consistent with a moderate level of risk. |
Variable Portfolio - Moderate Portfolio Columbia Management Investment Advisers, LLC |
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Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk. |
Variable Portfolio - Moderately Aggressive Columbia Management Investment Advisers, LLC |
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Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk. |
Variable Portfolio - Moderately Conservative Columbia Management Investment Advisers, LLC |
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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 2) Columbia Management Investment Advisers, LLC, adviser; J.P. Morgan Investment Management Inc. and Allspring Global Investments, LLC, subadvisers. |
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Seeks to provide shareholders with long-term capital growth. |
Variable Portfolio - Partners Core Equity Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; J.P. Morgan Investment Management Inc. and T. Rowe Price Associates, Inc., subadvisers. |
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Seeks to provide shareholders with long-term growth of capital. |
Variable Portfolio - Partners International Core Equity Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Schroder Investment Management North America Inc., subadviser; Schroder Investment Management North America Limited, sub-subadviser. |
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Seeks to provide shareholders with long-term capital growth. |
Variable Portfolio - Partners International Growth Fund (Class 2) Columbia Management Investment Advisers LLC, adviser; William Blair Investment Management, LLC and Walter Scott & Partners Limited, subadvisers. |
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Fund and Adviser/Sub-Adviser |
Current Expenses Ratio [NET] |
Average Annual Total Returns (as of 12/31/2024) |
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Seeks to provide shareholders with long-term capital growth. |
Variable Portfolio - Partners International Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Pzena Investment Management, LLC and Thompson, Siegel & Walmsley LLC, subadvisers. |
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Seeks to provide shareholders with long-term capital growth. |
Variable Portfolio - Partners Small Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Scout Investments, Inc. and Allspring Global Investments, LLC, subadvisers. |
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Seeks to provide shareholders with long-term capital appreciation. |
Variable Portfolio - Partners Small Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC, adviser; Segall Bryant & Hamill, LLC and William Blair Investment Management, LLC, subadvisers. |
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Pursues total return while seeking to manage the Fund's exposure to equity market volatility. |
Variable Portfolio - U.S. Flexible Conservative Columbia Management Investment Advisers, LLC |
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Pursues total return while seeking to manage the Fund's exposure to equity market volatility. |
Variable Portfolio - U.S. Flexible Growth Fund Columbia Management Investment Advisers, LLC |
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Pursues total return while seeking to manage the Fund's exposure to equity market volatility. |
Variable Portfolio - U.S. Flexible Moderate Columbia Management Investment Advisers, LLC |
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Seeks to maximize total return. |
Western Asset Variable Global High Yield Bond Portfolio - Class II Franklin Templeton Fund Adviser, LLC, adviser; Western Asset Management Company, LLC, subadviser. |
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Temporary Fee Reductions, Current Expenses [Text Block] |
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.
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RVS Group I | ShortTermInvestmentRiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
Short-Term Investment Risk. This contract is not designed for short-term investing and may not be appropriate for an investor who needs ready access to cash. The benefits of tax deferral and long-term income mean that this contract is more beneficial to investors with a long-term investment horizon.
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RVS Group I | EarlyWithdrawalRiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
Withdrawal Risk. You should carefully consider the risks associated with withdrawals under the contract. If you make a withdrawal prior to age 59½, there may be adverse tax consequences, including a 10% IRS penalty tax. A positive or negative MVA is assessed if any portion of a Guarantee Period Account is surrendered or transferred more than thirty days before the end of its guarantee period. You could lose up to 100% of your investment in a GPA as a result of a negative MVA. A withdrawal may reduce the value of your death benefit. A total withdrawal (surrender) will result in the termination of your certificate.
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RVS Group I | SubaccountRiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
Subaccount Risk. Amounts that you invest in the subaccounts are subject to the risk of poor investment performance. You assume the investment risk. Generally, if the subaccounts that you select make money, your certificate account value goes up, and if they lose money, your certificate account value goes down. Each subaccount’s performance depends on the performance of its underlying Fund. Each underlying Fund has its own investment risks, and you are exposed to the Fund’s investment risks when you invest in a subaccount. You are responsible for selecting subaccounts that are appropriate for you based on your own individual circumstances, investment goals, financial situation, and risk tolerance. For risks associated with any Fixed Account options, see Financial Strength and Claims-Paying Ability Risk below.
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RVS Group I | GPARiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
GPA Risk. Each GPA pays an interest rate declared by us when you make an allocation to that account and is fixed for the guarantee period you choose. We will periodically change the declared interest rate for future allocations to these accounts at our discretion based, in part, on various factors including, but not limited to, the interest rate environment, returns earned on investments backing these annuities, the rates currently in effect for new and existing RiverSource Life annuities, product design, competition, and RiverSource Life's revenues and expenses. We guarantee the certificate account value allocated to the GPAs, including interest credited, if you do not make any transfers or surrenders from the GPA prior to 30 days before the end of the guarantee period. At all other times, and unless an exception applies, we will apply a MVA if you surrender or transfer certificate account value from a GPA or you elect an annuity payout plan while you have certificate account value invested in a GPA. The MVA may be negative, positive or result in no change depending on how the guaranteed interest rate on your GPA compares to the new interest rate of a new GPA for the same number of years as the guarantee period remaining on your GPA. You bear the risk of loss of principal due to a negative MVA. Partial surrenders will reduce certain death benefits proportionally based on the percentage of certificate account value that is withdrawn and if you request a partial surrender from the GPAs that will give you the net amount you requested after we apply any applicable MVA and certificate administrative charge, a negative MVA will increase the impact of the partial surrender on the value of the death benefit.
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RVS Group I | ManagedVolatilityFundRiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
Managed Volatility Fund Risk. The Portfolio Stabilizer funds are managed volatility funds that employ a strategy designed to reduce overall volatility and downside risk. These risk management techniques help us manage our financial risks associated with the certificate’s guarantees, because they reduce the incidence of extreme outcomes including the probability of large gains or losses. However, these strategies can also limit your participation in rising equity markets, which may limit the potential growth of your certificate account value and may therefore conflict with your personal investment objectives. Certain Funds advised by our affiliate, Columbia Management, employ such risk management strategies. Costs associated with running a managed volatility strategy may also adversely impact the performance of managed volatility funds.
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RVS Group I | PurchasePaymentRiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
Purchase Payment Risk. Your ability to make subsequent purchase payments is subject to restrictions. Also, our prior approval may be required before accepting certain purchase payments. We reserve the right to limit certain annuity features (for example, investment options) if prior approval is required. There is no guarantee that you will always be permitted to make purchase payments.
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RVS Group I | ContractChangesRiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
Certificate Changes Risk. We reserve the right to make certain changes in the future, subject to applicable law. During the annuity payout period, we reserve the right to limit the number of subaccounts in which you may invest. We reserve the right to add, remove or substitute approved investment options at any time and in our sole discretion. We reserve the right to close or restrict approved investment options in our sole discretion.
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RVS Group I | FinancialStrengthandClaimsPayingAbilityRiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
Financial Strength and Claims-Paying Ability Risk. All guarantees under the contract and certificate that are paid from our general account (including under any Fixed Account option) are subject to our financial strength and claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you.
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RVS Group I | CybersecurityRiskMember |
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Prospectus: |
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Principal Risk [Text Block] |
Cybersecurity Risk. Increasingly, businesses are dependent on the continuity, security, and effective operation of various technology systems. The nature of our business depends on the continued effective operation of our systems and those of our business partners. This dependence makes us susceptible to operational and information security risks from cyber-attacks. These risks may include the following: •the corruption or destruction of data; •theft, misuse or dissemination of data to the public, including your information we hold; and •denial of service attacks on our website or other forms of attacks on our systems and the software and hardware we use to run them. These attacks and their consequences can negatively impact your contract, your privacy, your ability to conduct transactions on your contract, or your ability to receive timely service from us. The risk of cyberattacks may be higher during periods of geopolitical turmoil. There can be no assurance that we, the underlying funds in your contract, or our other business partners will avoid losses affecting your contract due to any successful cyber-attacks or information security breaches.
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RVS Group I | PotentialAdverseTaxConsequencesMember |
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Prospectus: |
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Principal Risk [Text Block] |
Potential Adverse Tax Consequences. Tax considerations vary by individual facts and circumstances. Tax rules may change without notice. Generally, Earnings under your contract are taxed at ordinary income tax rates when withdrawn. You may have to pay a tax penalty if you take a withdrawal before age 59 ½. If you purchase a qualified annuity to fund a retirement plan that is tax-deferred, your contract will not provide any necessary or additional tax deferral beyond what is provided in that retirement plan. Consult a tax professional.
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RVS Group I | Risk of Loss [Member] |
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Prospectus: |
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Risk [Text Block] |
Yes. You can lose money by investing in this Certificate including loss of principal.
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Principal Risk [Text Block] |
Risk of Loss. Variable annuities involve risks, including possible loss of principal. Your losses could be significant. This certificate is not a deposit or obligation of, or guaranteed or endorsed by, any bank. This certificate is not federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency.
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RVS Group I | Not Short Term Investment Risk [Member] |
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Prospectus: |
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Risk [Text Block] |
No.•The Certificate is not a short-term investment and is not appropriate for an investor who needs ready access to cash.•Surrenders may also be subject to taxes and tax penalties.•Surrenders from a GPA prior to 30 days before the end of the guarantee period may also result in a negative MVA. During the 30-day period ending on the last day of the guarantee period, you may choose to start a new guarantee period of the same length, transfer the certificate value from the current GPA to any of the investment options available under the Certificate, apply the certificate value to an annuity payout plan, or surrender the value from the current GPA(all subject to applicable surrender, transfer, and annuitization provisions). If we do not receive any instructions by the end of the guarantee period, we will automatically transfer the certificate value from the current GPA into the shortest GPA term available.•The benefits of tax deferral and long-term income mean the Certificate is generally more beneficial to investors with a long term investment horizon.
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RVS Group I | Investment Options Risk [Member] |
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Prospectus: |
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Risk [Text Block] |
•An investment in the Certificate is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Certificate.•Each investment option (including under the GPAs and any Fixed Account investment options) has its own unique risks.•You should review the investment options before making any investment decisions.
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RVS Group I | Insurance Company Risk [Member] |
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Prospectus: |
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Risk [Text Block] |
An investment in the Certificate is subject to the risks related to us. Any obligations (including under the Fixed Account) or guarantees and benefits of the Certificate that exceed the assets of the Separate Account are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about RiverSource Life, including our financial strength ratings, is available by contacting us at 1-800-862-7919.
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RVS Group I | ABVPSDynamicAssetAllocationPortfolioClassBMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to maximize total return consistent with AllianceBernstein's determination of reasonable risk.
|
Portfolio Company Name [Text Block] |
AB VPS Dynamic Asset Allocation Portfolio (Class B)
|
Portfolio Company Adviser [Text Block] |
AllianceBernstein L.P.
|
Current Expenses [Percent] |
1.10%
|
Average Annual Total Returns, 1 Year [Percent] |
10.43%
|
Average Annual Total Returns, 5 Years [Percent] |
3.15%
|
Average Annual Total Returns, 10 Years [Percent] |
3.82%
|
RVS Group I | ABVPSLargeCapGrowthPortfolioClassBMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term growth of capital.
|
Portfolio Company Name [Text Block] |
AB VPS Large Cap Growth Portfolio (Class B)
|
Portfolio Company Adviser [Text Block] |
AllianceBernstein L.P.
|
Current Expenses [Percent] |
0.90%
|
Average Annual Total Returns, 1 Year [Percent] |
24.95%
|
Average Annual Total Returns, 5 Years [Percent] |
15.87%
|
Average Annual Total Returns, 10 Years [Percent] |
15.67%
|
RVS Group I | AllspringVTOpportunityFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term capital appreciation.
|
Portfolio Company Name [Text Block] |
Allspring VT Opportunity Fund - Class 2
|
Portfolio Company Adviser [Text Block] |
Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, sub-adviser.
|
Current Expenses [Percent] |
1.00%
|
Average Annual Total Returns, 1 Year [Percent] |
15.05%
|
Average Annual Total Returns, 5 Years [Percent] |
11.72%
|
Average Annual Total Returns, 10 Years [Percent] |
10.78%
|
RVS Group I | AllspringVTSmallCapGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term capital appreciation.
|
Portfolio Company Name [Text Block] |
Allspring VT Small Cap Growth Fund - Class 2
|
Portfolio Company Adviser [Text Block] |
Allspring Funds Management, LLC, adviser; Allspring Global Investments, LLC, sub-adviser.
|
Current Expenses [Percent] |
1.17%
|
Average Annual Total Returns, 1 Year [Percent] |
18.70%
|
Average Annual Total Returns, 5 Years [Percent] |
6.60%
|
Average Annual Total Returns, 10 Years [Percent] |
8.65%
|
RVS Group I | ALPSAlerianEnergyInfrastructurePortfolioClassIIIMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
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").
|
Portfolio Company Name [Text Block] |
ALPS | Alerian Energy Infrastructure Portfolio: Class III
|
Portfolio Company Adviser [Text Block] |
ALPS Advisors, Inc.
|
Current Expenses [Percent] |
1.30%
|
Average Annual Total Returns, 1 Year [Percent] |
40.60%
|
Average Annual Total Returns, 5 Years [Percent] |
14.15%
|
Average Annual Total Returns, 10 Years [Percent] |
5.07%
|
RVS Group I | BlackRockGlobalAllocationVIFundClassIIIMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks high total investment return.
|
Portfolio Company Name [Text Block] |
BlackRock Global Allocation V.I. Fund (Class III)
|
Portfolio Company Adviser [Text Block] |
BlackRock Advisors, LLC, adviser; BlackRock (Singapore) Limited, sub-adviser.
|
Current Expenses [Percent] |
1.02%
|
Average Annual Total Returns, 1 Year [Percent] |
9.01%
|
Average Annual Total Returns, 5 Years [Percent] |
5.74%
|
Average Annual Total Returns, 10 Years [Percent] |
5.33%
|
RVS Group I | ColumbiaVariablePortfolioBalancedFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks maximum total investment return through a combination of capital growth and current income.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Balanced Fund (Class 2) (available for contract applications signed on or after 5/3/2021)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.00%
|
Average Annual Total Returns, 1 Year [Percent] |
14.30%
|
Average Annual Total Returns, 5 Years [Percent] |
4.79%
|
Average Annual Total Returns, 10 Years [Percent] |
9.15%
|
RVS Group I | ColumbiaVariablePortfolioBalancedFundClass3Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks maximum total investment return through a combination of capital growth and current income.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Balanced Fund (Class 3) (available for contract applications signed prior to 5/3/2021)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.88%
|
Average Annual Total Returns, 1 Year [Percent] |
14.43%
|
Average Annual Total Returns, 5 Years [Percent] |
4.92%
|
Average Annual Total Returns, 10 Years [Percent] |
9.28%
|
RVS Group I | ColumbiaVariablePortfolioCommodityStrategyFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with total return.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Commodity Strategy Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.00%
|
Average Annual Total Returns, 1 Year [Percent] |
7.09%
|
Average Annual Total Returns, 5 Years [Percent] |
5.69%
|
Average Annual Total Returns, 10 Years [Percent] |
8.94%
|
RVS Group I | ColumbiaVariablePortfolioContrarianCoreFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks total return, consisting of long-term capital appreciation and current income.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Contrarian Core Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.95%
|
Average Annual Total Returns, 1 Year [Percent] |
23.09%
|
Average Annual Total Returns, 5 Years [Percent] |
9.62%
|
Average Annual Total Returns, 10 Years [Percent] |
14.78%
|
RVS Group I | ColumbiaVariablePortfolioCorporateBondFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with high total return through income and growth of capital.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Corporate Bond Fund (Class 2) (previously Columbia Variable Portfolio - Global Strategic Income Fund (Class 2))
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.72%
|
Average Annual Total Returns, 1 Year [Percent] |
3.30%
|
Average Annual Total Returns, 5 Years [Percent] |
(0.78%)
|
Average Annual Total Returns, 10 Years [Percent] |
0.63%
|
RVS Group I | ColumbiaVariablePortfolioDisciplinedCoreFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with capital appreciation.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Disciplined Core Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.92%
|
Average Annual Total Returns, 1 Year [Percent] |
25.74%
|
Average Annual Total Returns, 5 Years [Percent] |
8.14%
|
Average Annual Total Returns, 10 Years [Percent] |
13.77%
|
RVS Group I | ColumbiaVariablePortfolioDividendOpportunityFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with a high level of current income and, as a secondary objective, steady growth of capital.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Dividend Opportunity Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.98%
|
Average Annual Total Returns, 1 Year [Percent] |
15.12%
|
Average Annual Total Returns, 5 Years [Percent] |
5.97%
|
Average Annual Total Returns, 10 Years [Percent] |
8.62%
|
RVS Group I | ColumbiaVariablePortfolioEmergingMarketsBondFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Non-diversified fund that seeks to provide shareholders with high total return through current income and, secondarily, through capital appreciation.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Emerging Markets Bond Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.00%
|
Average Annual Total Returns, 1 Year [Percent] |
6.13%
|
Average Annual Total Returns, 5 Years [Percent] |
(0.70%)
|
Average Annual Total Returns, 10 Years [Percent] |
0.46%
|
RVS Group I | ColumbiaVariablePortfolioEmergingMarketsFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Emerging Markets Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.34%
|
Average Annual Total Returns, 1 Year [Percent] |
5.45%
|
Average Annual Total Returns, 5 Years [Percent] |
(8.32%)
|
Average Annual Total Returns, 10 Years [Percent] |
(1.01%)
|
RVS Group I | ColumbiaVariablePortfolioGovernmentMoneyMarketFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with maximum current income consistent with liquidity and stability of principal.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Government Money Market Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.61%
|
Average Annual Total Returns, 1 Year [Percent] |
4.71%
|
Average Annual Total Returns, 5 Years [Percent] |
3.42%
|
Average Annual Total Returns, 10 Years [Percent] |
2.09%
|
RVS Group I | ColumbiaVariablePortfolioHighYieldBondFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with high current income as its primary objective and, as its secondary objective, capital growth.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - High Yield Bond Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.89%
|
Average Annual Total Returns, 1 Year [Percent] |
6.88%
|
Average Annual Total Returns, 5 Years [Percent] |
2.18%
|
Average Annual Total Returns, 10 Years [Percent] |
3.51%
|
RVS Group I | ColumbiaVariablePortfolioIncomeOpportunitiesFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with a high total return through current income and capital appreciation.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Income Opportunities Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.89%
|
Average Annual Total Returns, 1 Year [Percent] |
5.71%
|
Average Annual Total Returns, 5 Years [Percent] |
1.86%
|
Average Annual Total Returns, 10 Years [Percent] |
3.07%
|
RVS Group I | ColumbiaVariablePortfolioIntermediateBondFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
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.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Intermediate Bond Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.77%
|
Average Annual Total Returns, 1 Year [Percent] |
1.73%
|
Average Annual Total Returns, 5 Years [Percent] |
(3.72%)
|
Average Annual Total Returns, 10 Years [Percent] |
(0.06%)
|
RVS Group I | ColumbiaVariablePortfolioLargeCapGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Large Cap Growth Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.97%
|
Average Annual Total Returns, 1 Year [Percent] |
31.01%
|
Average Annual Total Returns, 5 Years [Percent] |
8.59%
|
Average Annual Total Returns, 10 Years [Percent] |
17.18%
|
RVS Group I | ColumbiaVariablePortfolioLargeCapIndexFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital appreciation.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Large Cap Index Fund (Class 2) (available for contract applications signed on or after 5/3/2021)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.50%
|
Average Annual Total Returns, 1 Year [Percent] |
24.40%
|
Average Annual Total Returns, 5 Years [Percent] |
8.39%
|
Average Annual Total Returns, 10 Years [Percent] |
13.94%
|
RVS Group I | ColumbiaVariablePortfolioLargeCapIndexFundClass3Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital appreciation.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Large Cap Index Fund (Class 3) (available for contract applications signed prior to 5/3/2021)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.38%
|
Average Annual Total Returns, 1 Year [Percent] |
24.54%
|
Average Annual Total Returns, 5 Years [Percent] |
8.52%
|
Average Annual Total Returns, 10 Years [Percent] |
14.07%
|
RVS Group I | ColumbiaVariablePortfolioLimitedDurationCreditFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with a level of current income consistent with preservation of capital.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Limited Duration Credit Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.66%
|
Average Annual Total Returns, 1 Year [Percent] |
4.64%
|
Average Annual Total Returns, 5 Years [Percent] |
1.48%
|
Average Annual Total Returns, 10 Years [Percent] |
1.81%
|
RVS Group I | ColumbiaVariablePortfolioLongGovernmentCreditBondFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks total return, consisting of current income and capital appreciation.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Long Government/Credit Bond Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.72%
|
Average Annual Total Returns, 1 Year [Percent] |
(4.39%)
|
Average Annual Total Returns, 5 Years [Percent] |
(9.65%)
|
Average Annual Total Returns, 10 Years [Percent] |
(3.58%)
|
RVS Group I | ColumbiaVariablePortfolioOverseasCoreFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with capital appreciation.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Overseas Core Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.04%
|
Average Annual Total Returns, 1 Year [Percent] |
3.16%
|
Average Annual Total Returns, 5 Years [Percent] |
0.41%
|
Average Annual Total Returns, 10 Years [Percent] |
3.87%
|
RVS Group I | ColumbiaVariablePortfolioSelectLargeCapValueFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term growth of capital.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Select Large Cap Value Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.94%
|
Average Annual Total Returns, 1 Year [Percent] |
12.58%
|
Average Annual Total Returns, 5 Years [Percent] |
5.04%
|
Average Annual Total Returns, 10 Years [Percent] |
9.29%
|
RVS Group I | ColumbiaVariablePortfolioSelectMidCapGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with growth of capital.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Select Mid Cap Growth Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.07%
|
Average Annual Total Returns, 1 Year [Percent] |
23.37%
|
Average Annual Total Returns, 5 Years [Percent] |
2.06%
|
Average Annual Total Returns, 10 Years [Percent] |
10.80%
|
RVS Group I | ColumbiaVariablePortfolioSelectMidCapValueFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term growth of capital.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Select Mid Cap Value Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.07%
|
Average Annual Total Returns, 1 Year [Percent] |
12.27%
|
Average Annual Total Returns, 5 Years [Percent] |
3.73%
|
Average Annual Total Returns, 10 Years [Percent] |
9.58%
|
RVS Group I | ColumbiaVariablePortfolioSelectSmallCapValueFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Select Small Cap Value Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.10%
|
Average Annual Total Returns, 1 Year [Percent] |
13.66%
|
Average Annual Total Returns, 5 Years [Percent] |
2.95%
|
Average Annual Total Returns, 10 Years [Percent] |
9.19%
|
RVS Group I | ColumbiaVariablePortfolioStrategicIncomeFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks total return, consisting of current income and capital appreciation.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - Strategic Income Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.94%
|
Average Annual Total Returns, 1 Year [Percent] |
4.51%
|
Average Annual Total Returns, 5 Years [Percent] |
0.33%
|
Average Annual Total Returns, 10 Years [Percent] |
1.82%
|
RVS Group I | ColumbiaVariablePortfolioUSGovernmentMortgageFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with current income as its primary objective and, as its secondary objective, preservation of capital.
|
Portfolio Company Name [Text Block] |
Columbia Variable Portfolio - U.S. Government Mortgage Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.71%
|
Average Annual Total Returns, 1 Year [Percent] |
1.33%
|
Average Annual Total Returns, 5 Years [Percent] |
(2.91%)
|
Average Annual Total Returns, 10 Years [Percent] |
(1.06%)
|
RVS Group I | CTIVPAmericanCenturyDiversifiedBondFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with a high level of current income.
|
Portfolio Company Name [Text Block] |
CTIVP® - American Century Diversified Bond Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; American Century Investment Management, Inc., subadviser.
|
Current Expenses [Percent] |
0.75%
|
Average Annual Total Returns, 1 Year [Percent] |
1.53%
|
Average Annual Total Returns, 5 Years [Percent] |
(3.33%)
|
Average Annual Total Returns, 10 Years [Percent] |
(0.39%)
|
RVS Group I | CTIVPBlackRockGlobalInflationProtectedSecuritiesFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Non-diversified fund that seeks to provide shareholders with total return that exceeds the rate of inflation over the long term.
|
Portfolio Company Name [Text Block] |
CTIVP® - BlackRock Global Inflation-Protected Securities Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; BlackRock Financial Management, Inc., subadviser; BlackRock International Limited, sub-subadviser.
|
Current Expenses [Percent] |
0.87%
|
Average Annual Total Returns, 1 Year [Percent] |
(1.20%)
|
Average Annual Total Returns, 5 Years [Percent] |
(5.46%)
|
Average Annual Total Returns, 10 Years [Percent] |
(0.78%)
|
RVS Group I | CTIVPCenterSquareRealEstateFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with current income and capital appreciation.
|
Portfolio Company Name [Text Block] |
CTIVP® - CenterSquare Real Estate Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; CenterSquare Investment Management LLC, subadviser.
|
Current Expenses [Percent] |
1.07%
|
Average Annual Total Returns, 1 Year [Percent] |
9.86%
|
Average Annual Total Returns, 5 Years [Percent] |
(1.90%)
|
Average Annual Total Returns, 10 Years [Percent] |
4.79%
|
RVS Group I | CTIVPPrincipalBlueChipGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
|
Portfolio Company Name [Text Block] |
CTIVP® - Principal Blue Chip Growth Fund (Class 2) (on or about June 1, 2025 to be known as CTIVP® - Principal Large Cap Growth Fund (Class 2))
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Principal Global Investors, LLC, subadviser.
|
Current Expenses [Percent] |
0.94%
|
Average Annual Total Returns, 1 Year [Percent] |
21.12%
|
Average Annual Total Returns, 5 Years [Percent] |
6.58%
|
Average Annual Total Returns, 10 Years [Percent] |
13.51%
|
RVS Group I | CTIVPTRowePriceLargeCapValueFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term growth of capital and income.
|
Portfolio Company Name [Text Block] |
CTIVP® - T. Rowe Price Large Cap Value Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; T. Rowe Price Associates, Inc., subadviser.
|
Current Expenses [Percent] |
0.95%
|
Average Annual Total Returns, 1 Year [Percent] |
11.68%
|
Average Annual Total Returns, 5 Years [Percent] |
4.99%
|
Average Annual Total Returns, 10 Years [Percent] |
8.18%
|
RVS Group I | CTIVPTCWCorePlusBondFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with total return through current income and capital appreciation.
|
Portfolio Company Name [Text Block] |
CTIVP® - TCW Core Plus Bond Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; TCW Investment Management Company LLC, subadviser.
|
Current Expenses [Percent] |
0.74%
|
Average Annual Total Returns, 1 Year [Percent] |
0.51%
|
Average Annual Total Returns, 5 Years [Percent] |
(3.13%)
|
Average Annual Total Returns, 10 Years [Percent] |
(0.53%)
|
RVS Group I | CTIVPVictorySycamoreEstablishedValueFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term growth of capital.
|
Portfolio Company Name [Text Block] |
CTIVP® - Victory Sycamore Established Value Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Victory Capital Management Inc., subadviser.
|
Current Expenses [Percent] |
1.07%
|
Average Annual Total Returns, 1 Year [Percent] |
9.62%
|
Average Annual Total Returns, 5 Years [Percent] |
5.26%
|
Average Annual Total Returns, 10 Years [Percent] |
10.59%
|
RVS Group I | CTIVPWellingtonLargeCapValueFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
|
Portfolio Company Name [Text Block] |
CTIVP® - Wellington Large Cap Value Fund (Class 2) (previously CTIVP® - MFS® Value Fund (Class 2))
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Wellington Management Company LLP, subadviser.
|
Current Expenses [Percent] |
0.87%
|
Average Annual Total Returns, 1 Year [Percent] |
11.44%
|
Average Annual Total Returns, 5 Years [Percent] |
3.99%
|
Average Annual Total Returns, 10 Years [Percent] |
7.77%
|
RVS Group I | CTIVPWestfieldMidCapGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
|
Portfolio Company Name [Text Block] |
CTIVP® - Westfield Mid Cap Growth Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Westfield Capital Management Company, L.P., subadviser.
|
Current Expenses [Percent] |
1.07%
|
Average Annual Total Returns, 1 Year [Percent] |
17.19%
|
Average Annual Total Returns, 5 Years [Percent] |
2.87%
|
Average Annual Total Returns, 10 Years [Percent] |
10.02%
|
RVS Group I | CTIVPWestfieldSelectLargeCapGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
|
Portfolio Company Name [Text Block] |
CTIVP® - Westfield Select Large Cap Growth Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Westfield Capital Management Company, L.P., subadviser.
|
Current Expenses [Percent] |
0.94%
|
Average Annual Total Returns, 1 Year [Percent] |
27.15%
|
Average Annual Total Returns, 5 Years [Percent] |
(0.79%)
|
Average Annual Total Returns, 10 Years [Percent] |
10.38%
|
RVS Group I | DWSAlternativeAssetAllocationVIPClassBMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks capital appreciation.
|
Portfolio Company Name [Text Block] |
DWS Alternative Asset Allocation VIP, Class B
|
Portfolio Company Adviser [Text Block] |
DWS Investment Management Americas Inc., adviser; RREEF America L.L.C., subadvisor.
|
Current Expenses [Percent] |
1.26%
|
Average Annual Total Returns, 1 Year [Percent] |
5.30%
|
Average Annual Total Returns, 5 Years [Percent] |
3.97%
|
Average Annual Total Returns, 10 Years [Percent] |
2.83%
|
RVS Group I | FidelityVIPContrafundPortfolioServiceClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term capital appreciation.
|
Portfolio Company Name [Text Block] |
Fidelity® VIP Contrafund® Portfolio Service Class 2
|
Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company (the Adviser) is the fund’s manager. Fidelity Management & Research Company (UK) Limited, Fidelity Management & Research Company (Hong Kong) Limited, Fidelity Management & Research Company (Japan) Limited, subadvisers.
|
Current Expenses [Percent] |
0.81%
|
Average Annual Total Returns, 1 Year [Percent] |
33.45%
|
Average Annual Total Returns, 5 Years [Percent] |
16.74%
|
Average Annual Total Returns, 10 Years [Percent] |
13.33%
|
RVS Group I | FidelityVIPMidCapPortfolioServiceClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term growth of capital.
|
Portfolio Company Name [Text Block] |
Fidelity® VIP Mid Cap Portfolio Service Class 2
|
Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company (the Adviser) is the fund’s manager. Fidelity Management & Research Company (UK) Limited, Fidelity Management & Research Company (Hong Kong) Limited, Fidelity Management & Research Company (Japan) Limited, subadvisers.
|
Current Expenses [Percent] |
0.82%
|
Average Annual Total Returns, 1 Year [Percent] |
17.18%
|
Average Annual Total Returns, 5 Years [Percent] |
11.06%
|
Average Annual Total Returns, 10 Years [Percent] |
8.94%
|
RVS Group I | FidelityVIPStrategicIncomePortfolioServiceClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks a high level of current income and may also seek capital appreciation.
|
Portfolio Company Name [Text Block] |
Fidelity® VIP Strategic Income Portfolio Service Class 2
|
Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company (the Adviser) is the fund’s manager. 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.
|
Current Expenses [Percent] |
0.89%
|
Average Annual Total Returns, 1 Year [Percent] |
5.78%
|
Average Annual Total Returns, 5 Years [Percent] |
2.54%
|
Average Annual Total Returns, 10 Years [Percent] |
3.34%
|
RVS Group I | FranklinIncomeVIPFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
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.
|
Portfolio Company Name [Text Block] |
Franklin Income VIP Fund - Class 2
|
Portfolio Company Adviser [Text Block] |
Franklin Advisers, Inc.
|
Current Expenses [Percent] |
0.72%
|
Average Annual Total Returns, 1 Year [Percent] |
7.20%
|
Average Annual Total Returns, 5 Years [Percent] |
5.29%
|
Average Annual Total Returns, 10 Years [Percent] |
5.27%
|
RVS Group I | FranklinMutualSharesVIPFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
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.
|
Portfolio Company Name [Text Block] |
Franklin Mutual Shares VIP Fund - Class 2
|
Portfolio Company Adviser [Text Block] |
Franklin Mutual Advisers, LLC
|
Current Expenses [Percent] |
0.94%
|
Average Annual Total Returns, 1 Year [Percent] |
11.27%
|
Average Annual Total Returns, 5 Years [Percent] |
5.75%
|
Average Annual Total Returns, 10 Years [Percent] |
5.83%
|
RVS Group I | FranklinSmallCapValueVIPFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
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.
|
Portfolio Company Name [Text Block] |
Franklin Small Cap Value VIP Fund - Class 2
|
Portfolio Company Adviser [Text Block] |
Franklin Mutual Advisers, LLC
|
Current Expenses [Percent] |
0.90%
|
Average Annual Total Returns, 1 Year [Percent] |
11.71%
|
Average Annual Total Returns, 5 Years [Percent] |
8.36%
|
Average Annual Total Returns, 10 Years [Percent] |
8.17%
|
RVS Group I | InvescoVIBalancedRiskAllocationFundSeriesIISharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks total return with a low to moderate correlation to traditional financial market indices.
|
Portfolio Company Name [Text Block] |
Invesco V.I. Balanced-Risk Allocation Fund, Series II Shares
|
Portfolio Company Adviser [Text Block] |
Invesco Advisers, Inc.
|
Current Expenses [Percent] |
1.06%
|
Average Annual Total Returns, 1 Year [Percent] |
3.56%
|
Average Annual Total Returns, 5 Years [Percent] |
2.51%
|
Average Annual Total Returns, 10 Years [Percent] |
3.57%
|
RVS Group I | InvescoVIGlobalFundSeriesIISharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks capital appreciation.
|
Portfolio Company Name [Text Block] |
Invesco V.I. Global Fund, Series II Shares
|
Portfolio Company Adviser [Text Block] |
Invesco Advisers, Inc.
|
Current Expenses [Percent] |
1.06%
|
Average Annual Total Returns, 1 Year [Percent] |
15.78%
|
Average Annual Total Returns, 5 Years [Percent] |
9.21%
|
Average Annual Total Returns, 10 Years [Percent] |
9.58%
|
RVS Group I | InvescoVIGlobalStrategicIncomeFundSeriesIISharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks total return
|
Portfolio Company Name [Text Block] |
Invesco V.I. Global Strategic Income Fund, Series II Shares
|
Portfolio Company Adviser [Text Block] |
Invesco Advisers, Inc.
|
Current Expenses [Percent] |
1.18%
|
Average Annual Total Returns, 1 Year [Percent] |
3.02%
|
Average Annual Total Returns, 5 Years [Percent] |
(0.43%)
|
Average Annual Total Returns, 10 Years [Percent] |
1.28%
|
RVS Group I | InvescoVIMainStreetSmallCapFundSeriesIISharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks capital appreciation.
|
Portfolio Company Name [Text Block] |
Invesco V.I. Main Street Small Cap Fund®, Series II Shares
|
Portfolio Company Adviser [Text Block] |
Invesco Advisers, Inc.
|
Current Expenses [Percent] |
1.11%
|
Average Annual Total Returns, 1 Year [Percent] |
12.41%
|
Average Annual Total Returns, 5 Years [Percent] |
10.21%
|
Average Annual Total Returns, 10 Years [Percent] |
8.73%
|
RVS Group I | JanusHendersonBalancedPortfolioServiceSharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.
|
Portfolio Company Name [Text Block] |
Janus Henderson Balanced Portfolio: Service Shares
|
Portfolio Company Adviser [Text Block] |
Janus Henderson Investors US LLC
|
Current Expenses [Percent] |
0.87%
|
Average Annual Total Returns, 1 Year [Percent] |
15.15%
|
Average Annual Total Returns, 5 Years [Percent] |
8.06%
|
Average Annual Total Returns, 10 Years [Percent] |
8.40%
|
RVS Group I | JanusHendersonFlexibleBondPortfolioServiceSharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to obtain maximum total return, consistent with preservation of capital.
|
Portfolio Company Name [Text Block] |
Janus Henderson Flexible Bond Portfolio: Service Shares
|
Portfolio Company Adviser [Text Block] |
Janus Henderson Investors US LLC
|
Current Expenses [Percent] |
0.82%
|
Average Annual Total Returns, 1 Year [Percent] |
1.63%
|
Average Annual Total Returns, 5 Years [Percent] |
0.09%
|
Average Annual Total Returns, 10 Years [Percent] |
1.35%
|
RVS Group I | JanusHendersonResearchPortfolioServiceSharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Non-diversified fund that pursues its investment objective by investing primarily in common stocks selected for their growth potential.
|
Portfolio Company Name [Text Block] |
Janus Henderson Research Portfolio: Service Shares
|
Portfolio Company Adviser [Text Block] |
Janus Henderson Investors US LLC
|
Current Expenses [Percent] |
0.92%
|
Average Annual Total Returns, 1 Year [Percent] |
34.96%
|
Average Annual Total Returns, 5 Years [Percent] |
16.49%
|
Average Annual Total Returns, 10 Years [Percent] |
14.25%
|
RVS Group I | LazardRetirementGlobalDynamicMultiAssetPortfolioServiceSharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks total return.
|
Portfolio Company Name [Text Block] |
Lazard Retirement Global Dynamic Multi-Asset Portfolio - Service Shares
|
Portfolio Company Adviser [Text Block] |
Lazard Asset Management, LLC
|
Current Expenses [Percent] |
1.05%
|
Average Annual Total Returns, 1 Year [Percent] |
8.60%
|
Average Annual Total Returns, 5 Years [Percent] |
2.33%
|
Average Annual Total Returns, 10 Years [Percent] |
4.35%
|
RVS Group I | LVIPAmericanCenturyValueFundServiceClassMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term capital growth. Income is a secondary objective.
|
Portfolio Company Name [Text Block] |
LVIP American Century Value Fund, Service Class
|
Portfolio Company Adviser [Text Block] |
American Century Investment Management, Inc.
|
Current Expenses [Percent] |
0.86%
|
Average Annual Total Returns, 1 Year [Percent] |
9.29%
|
Average Annual Total Returns, 5 Years [Percent] |
8.41%
|
Average Annual Total Returns, 10 Years [Percent] |
8.01%
|
RVS Group I | MacquarieVIPAssetStrategySeriesServiceClassMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide total return.
|
Portfolio Company Name [Text Block] |
Macquarie VIP Asset Strategy Series - Service Class
|
Portfolio Company Adviser [Text Block] |
Delaware Management Company
|
Current Expenses [Percent] |
0.85%
|
Average Annual Total Returns, 1 Year [Percent] |
12.44%
|
Average Annual Total Returns, 5 Years [Percent] |
6.56%
|
Average Annual Total Returns, 10 Years [Percent] |
5.27%
|
RVS Group I | MFSUtilitiesSeriesServiceClassMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks total return.
|
Portfolio Company Name [Text Block] |
MFS® Utilities Series - Service Class
|
Portfolio Company Adviser [Text Block] |
Massachusetts Financial Services Company
|
Current Expenses [Percent] |
1.04%
|
Average Annual Total Returns, 1 Year [Percent] |
11.34%
|
Average Annual Total Returns, 5 Years [Percent] |
5.61%
|
Average Annual Total Returns, 10 Years [Percent] |
6.02%
|
RVS Group I | MorganStanleyVIFDiscoveryPortfolioClassIISharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
The Fund seeks long-term capital growth by investing primarily in common stocks and other equity securities.
|
Portfolio Company Name [Text Block] |
Morgan Stanley VIF Discovery Portfolio, Class II Shares
|
Portfolio Company Adviser [Text Block] |
Morgan Stanley Investment Management Inc.
|
Current Expenses [Percent] |
1.05%
|
Average Annual Total Returns, 1 Year [Percent] |
41.73%
|
Average Annual Total Returns, 5 Years [Percent] |
11.11%
|
Average Annual Total Returns, 10 Years [Percent] |
12.02%
|
RVS Group I | NeubergerBermanAMTSustainableEquityPortfolioClassSMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term growth of capital by investing primarily in securities of companies that meet the Fund's environmental, social and governance (ESG) criteria.
|
Portfolio Company Name [Text Block] |
Neuberger Berman AMT Sustainable Equity Portfolio (Class S)
|
Portfolio Company Adviser [Text Block] |
Neuberger Berman Investment Advisers LLC
|
Current Expenses [Percent] |
1.15%
|
Average Annual Total Returns, 1 Year [Percent] |
25.52%
|
Average Annual Total Returns, 5 Years [Percent] |
13.68%
|
Average Annual Total Returns, 10 Years [Percent] |
11.18%
|
RVS Group I | PIMCOVITAllAssetPortfolioAdvisorClassMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks maximum real return, consistent with preservation of real capital and prudent investment management.
|
Portfolio Company Name [Text Block] |
PIMCO VIT All Asset Portfolio, Advisor Class
|
Portfolio Company Adviser [Text Block] |
Pacific Investment Management Company LLC (PIMCO)
|
Current Expenses [Percent] |
2.37%
|
Average Annual Total Returns, 1 Year [Percent] |
3.57%
|
Average Annual Total Returns, 5 Years [Percent] |
4.31%
|
Average Annual Total Returns, 10 Years [Percent] |
4.25%
|
RVS Group I | PIMCOVITGlobalManagedAssetAllocationPortfolioAdvisorClassMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks total return which exceeds that of a blend of 60% MSCI World Index/40% Barclays U.S. Aggregate Index.
|
Portfolio Company Name [Text Block] |
PIMCO VIT Global Managed Asset Allocation Portfolio, Advisor Class
|
Portfolio Company Adviser [Text Block] |
Pacific Investment Management Company LLC (PIMCO)
|
Current Expenses [Percent] |
1.28%
|
Average Annual Total Returns, 1 Year [Percent] |
10.75%
|
Average Annual Total Returns, 5 Years [Percent] |
6.03%
|
Average Annual Total Returns, 10 Years [Percent] |
5.75%
|
RVS Group I | PIMCOVITTotalReturnPortfolioAdvisorClassMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks maximum total return, consistent with preservation of capital and prudent investment management.
|
Portfolio Company Name [Text Block] |
PIMCO VIT Total Return Portfolio, Advisor Class
|
Portfolio Company Adviser [Text Block] |
Pacific Investment Management Company LLC (PIMCO)
|
Current Expenses [Percent] |
0.89%
|
Average Annual Total Returns, 1 Year [Percent] |
2.43%
|
Average Annual Total Returns, 5 Years [Percent] |
(0.13%)
|
Average Annual Total Returns, 10 Years [Percent] |
1.43%
|
RVS Group I | TempletonGlobalBondVIPFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
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.
|
Portfolio Company Name [Text Block] |
Templeton Global Bond VIP Fund - Class 2
|
Portfolio Company Adviser [Text Block] |
Franklin Advisers, Inc.
|
Current Expenses [Percent] |
0.75%
|
Average Annual Total Returns, 1 Year [Percent] |
(11.37%)
|
Average Annual Total Returns, 5 Years [Percent] |
(4.85%)
|
Average Annual Total Returns, 10 Years [Percent] |
(2.03%)
|
RVS Group I | VanEckVIPGlobalGoldFundClassSSharesMember |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks long-term capital appreciation by investing in common stocks of gold-mining companies. The Fund may take current income into consideration when choosing investments.
|
Portfolio Company Name [Text Block] |
VanEck VIP Global Gold Fund (Class S Shares)
|
Portfolio Company Adviser [Text Block] |
Van Eck Associates Corporation
|
Current Expenses [Percent] |
1.45%
|
Average Annual Total Returns, 1 Year [Percent] |
14.41%
|
Average Annual Total Returns, 5 Years [Percent] |
5.46%
|
Average Annual Total Returns, 10 Years [Percent] |
6.69%
|
RVS Group I | VariablePortfolioAggressivePortfolioClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide a high level of total return that is consistent with an aggressive level of risk.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Aggressive Portfolio (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.04%
|
Average Annual Total Returns, 1 Year [Percent] |
13.20%
|
Average Annual Total Returns, 5 Years [Percent] |
2.78%
|
Average Annual Total Returns, 10 Years [Percent] |
7.64%
|
RVS Group I | VariablePortfolioConservativePortfolioClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide a high level of total return that is consistent with a conservative level of risk.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Conservative Portfolio (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.87%
|
Average Annual Total Returns, 1 Year [Percent] |
4.42%
|
Average Annual Total Returns, 5 Years [Percent] |
(1.47%)
|
Average Annual Total Returns, 10 Years [Percent] |
1.46%
|
RVS Group I | VariablePortfolioManagedRiskFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Managed Risk Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.02%
|
Average Annual Total Returns, 1 Year [Percent] |
9.41%
|
Average Annual Total Returns, 5 Years [Percent] |
0.49%
|
Average Annual Total Returns, 10 Years [Percent] |
3.90%
|
RVS Group I | VariablePortfolioManagedRiskUSFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Managed Risk U.S. Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.99%
|
Average Annual Total Returns, 1 Year [Percent] |
11.70%
|
Average Annual Total Returns, 5 Years [Percent] |
1.93%
|
Average Annual Total Returns, 10 Years [Percent] |
5.68%
|
RVS Group I | VariablePortfolioManagedVolatilityConservativeFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Managed Volatility Conservative Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.95%
|
Average Annual Total Returns, 1 Year [Percent] |
4.31%
|
Average Annual Total Returns, 5 Years [Percent] |
(1.86%)
|
Average Annual Total Returns, 10 Years [Percent] |
0.96%
|
RVS Group I | VariablePortfolioManagedVolatilityConservativeGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Managed Volatility Conservative Growth Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.98%
|
Average Annual Total Returns, 1 Year [Percent] |
6.80%
|
Average Annual Total Returns, 5 Years [Percent] |
(0.87%)
|
Average Annual Total Returns, 10 Years [Percent] |
2.32%
|
RVS Group I | VariablePortfolioManagedVolatilityGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Managed Volatility Growth Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.01%
|
Average Annual Total Returns, 1 Year [Percent] |
11.98%
|
Average Annual Total Returns, 5 Years [Percent] |
1.11%
|
Average Annual Total Returns, 10 Years [Percent] |
5.18%
|
RVS Group I | VariablePortfolioManagedVolatilityModerateGrowthFundClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund’s exposure to equity market volatility.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Managed Volatility Moderate Growth Fund (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.98%
|
Average Annual Total Returns, 1 Year [Percent] |
9.41%
|
Average Annual Total Returns, 5 Years [Percent] |
0.18%
|
Average Annual Total Returns, 10 Years [Percent] |
3.82%
|
RVS Group I | VariablePortfolioModeratePortfolioClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide a high level of total return that is consistent with a moderate level of risk.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Moderate Portfolio (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
0.97%
|
Average Annual Total Returns, 1 Year [Percent] |
8.72%
|
Average Annual Total Returns, 5 Years [Percent] |
0.80%
|
Average Annual Total Returns, 10 Years [Percent] |
4.73%
|
RVS Group I | VariablePortfolioModeratelyAggressivePortfolioClass2Member |
|
Prospectus: |
|
Portfolio Company Objective [Text Block] |
Seeks to provide a high level of total return that is consistent with a moderately aggressive level of risk.
|
Portfolio Company Name [Text Block] |
Variable Portfolio - Moderately Aggressive Portfolio (Class 2)
|
Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
|
Current Expenses [Percent] |
1.01%
|
Average Annual Total Returns, 1 Year [Percent] |
11.00%
|
Average Annual Total Returns, 5 Years [Percent] |
1.68%
|
Average Annual Total Returns, 10 Years [Percent] |
6.13%
|
RVS Group I | VariablePortfolioModeratelyConservativePortfolioClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to provide a high level of total return that is consistent with a moderately conservative level of risk.
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Portfolio Company Name [Text Block] |
Variable Portfolio - Moderately Conservative Portfolio (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
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Current Expenses [Percent] |
0.94%
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Average Annual Total Returns, 1 Year [Percent] |
6.41%
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Average Annual Total Returns, 5 Years [Percent] |
(0.45%)
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Average Annual Total Returns, 10 Years [Percent] |
2.98%
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RVS Group I | VariablePortfolioPartnersCoreBondFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with a high level of current income while conserving the value of the investment for the longest period of time.
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Portfolio Company Name [Text Block] |
Variable Portfolio - Partners Core Bond Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; J.P. Morgan Investment Management Inc. and Allspring Global Investments, LLC, subadvisers.
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Current Expenses [Percent] |
0.73%
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Average Annual Total Returns, 1 Year [Percent] |
2.01%
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Average Annual Total Returns, 5 Years [Percent] |
(2.22%)
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Average Annual Total Returns, 10 Years [Percent] |
(0.10%)
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RVS Group I | VariablePortfolioPartnersCoreEquityFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
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Portfolio Company Name [Text Block] |
Variable Portfolio - Partners Core Equity Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; J.P. Morgan Investment Management Inc. and T. Rowe Price Associates, Inc., subadvisers.
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Current Expenses [Percent] |
0.93%
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Average Annual Total Returns, 1 Year [Percent] |
23.10%
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Average Annual Total Returns, 5 Years [Percent] |
8.09%
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Average Annual Total Returns, 10 Years [Percent] |
13.75%
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RVS Group I | VariablePortfolioPartnersInternationalCoreEquityFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term growth of capital.
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Portfolio Company Name [Text Block] |
Variable Portfolio - Partners International Core Equity Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Schroder Investment Management North America Inc., subadviser; Schroder Investment Management North America Limited, sub-subadviser.
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Current Expenses [Percent] |
1.07%
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Average Annual Total Returns, 1 Year [Percent] |
5.58%
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Average Annual Total Returns, 5 Years [Percent] |
(0.14%)
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Average Annual Total Returns, 10 Years [Percent] |
4.57%
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RVS Group I | VariablePortfolioPartnersInternationalGrowthFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
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Portfolio Company Name [Text Block] |
Variable Portfolio - Partners International Growth Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers LLC, adviser; William Blair Investment Management, LLC and Walter Scott & Partners Limited, subadvisers.
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Current Expenses [Percent] |
1.06%
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Average Annual Total Returns, 1 Year [Percent] |
(1.41%)
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Average Annual Total Returns, 5 Years [Percent] |
(6.20%)
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Average Annual Total Returns, 10 Years [Percent] |
2.17%
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RVS Group I | VariablePortfolioPartnersInternationalValueFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
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Portfolio Company Name [Text Block] |
Variable Portfolio - Partners International Value Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Pzena Investment Management, LLC and Thompson, Siegel & Walmsley LLC, subadvisers.
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Current Expenses [Percent] |
1.05%
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Average Annual Total Returns, 1 Year [Percent] |
4.30%
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Average Annual Total Returns, 5 Years [Percent] |
2.49%
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Average Annual Total Returns, 10 Years [Percent] |
2.87%
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RVS Group I | VariablePortfolioPartnersSmallCapGrowthFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital growth.
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Portfolio Company Name [Text Block] |
Variable Portfolio - Partners Small Cap Growth Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Scout Investments, Inc. and Allspring Global Investments, LLC, subadvisers.
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Current Expenses [Percent] |
1.10%
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Average Annual Total Returns, 1 Year [Percent] |
18.70%
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Average Annual Total Returns, 5 Years [Percent] |
(3.47%)
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Average Annual Total Returns, 10 Years [Percent] |
6.11%
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RVS Group I | VariablePortfolioPartnersSmallCapValueFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to provide shareholders with long-term capital appreciation.
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Portfolio Company Name [Text Block] |
Variable Portfolio - Partners Small Cap Value Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC, adviser; Segall Bryant & Hamill, LLC and William Blair Investment Management, LLC, subadvisers.
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Current Expenses [Percent] |
1.09%
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Average Annual Total Returns, 1 Year [Percent] |
7.70%
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Average Annual Total Returns, 5 Years [Percent] |
1.28%
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Average Annual Total Returns, 10 Years [Percent] |
5.98%
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RVS Group I | VariablePortfolioUSFlexibleConservativeGrowthFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.
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Portfolio Company Name [Text Block] |
Variable Portfolio - U.S. Flexible Conservative Growth Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
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Current Expenses [Percent] |
0.95%
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Average Annual Total Returns, 1 Year [Percent] |
9.41%
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Average Annual Total Returns, 5 Years [Percent] |
0.44%
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Average Annual Total Returns, 10 Years [Percent] |
2.89%
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RVS Group I | VariablePortfolioUSFlexibleGrowthFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.
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Portfolio Company Name [Text Block] |
Variable Portfolio - U.S. Flexible Growth Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
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Current Expenses [Percent] |
0.94%
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Average Annual Total Returns, 1 Year [Percent] |
17.15%
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Average Annual Total Returns, 5 Years [Percent] |
3.60%
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Average Annual Total Returns, 10 Years [Percent] |
6.12%
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RVS Group I | VariablePortfolioUSFlexibleModerateGrowthFundClass2Member |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Pursues total return while seeking to manage the Fund's exposure to equity market volatility.
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Portfolio Company Name [Text Block] |
Variable Portfolio - U.S. Flexible Moderate Growth Fund (Class 2)
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Portfolio Company Adviser [Text Block] |
Columbia Management Investment Advisers, LLC
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Current Expenses [Percent] |
0.93%
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Average Annual Total Returns, 1 Year [Percent] |
13.19%
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Average Annual Total Returns, 5 Years [Percent] |
2.05%
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Average Annual Total Returns, 10 Years [Percent] |
4.57%
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RVS Group I | WesternAssetVariableGlobalHighYieldBondPortfolioClassIIMember |
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Prospectus: |
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Portfolio Company Objective [Text Block] |
Seeks to maximize total return.
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Portfolio Company Name [Text Block] |
Western Asset Variable Global High Yield Bond Portfolio - Class II
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Portfolio Company Adviser [Text Block] |
Franklin Templeton Fund Adviser, LLC, adviser; Western Asset Management Company, LLC, subadviser.
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Current Expenses [Percent] |
1.06%
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Average Annual Total Returns, 1 Year [Percent] |
6.70%
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Average Annual Total Returns, 5 Years [Percent] |
1.81%
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Average Annual Total Returns, 10 Years [Percent] |
3.45%
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RVS Group I | ContractValueEqualsorExceeds50000Member |
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Prospectus: |
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Administrative Expense, Maximum [Dollars] |
$ 20
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Administrative Expense, Current [Dollars] |
0
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RVS Group I | FullSurrenderMember |
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Prospectus: |
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Administrative Expense, Maximum [Dollars] |
50
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Administrative Expense, Current [Dollars] |
$ 0
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RVS Group I | StandardDeathBenefitavailableforownersage79andyoungerMember |
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Prospectus: |
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Name of Benefit [Text Block] |
Standard Death Benefit (available for certificate owners age 79 and younger)
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Purpose of Benefit [Text Block] |
Provides a guaranteed death benefit equal to the greater of the certificate account value, minus any loan balance, or the Return of Purchase Payment Value (ROPP), minus any loan balance
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Standard Benefit [Flag] |
true
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Standard Benefit Expense (of Benefit Base), Maximum [Percent] |
0.60%
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Standard Benefit Expense (of Benefit Base), Current [Percent] |
0.60%
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Brief Restrictions / Limitations [Text Block] |
•Withdrawals will proportionately reduce the benefit, which means your benefit could be reduced by more than the dollar amount of your withdrawals, and such reductions could be significant•Annuitizing the Certificate terminates the benefit.
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Name of Benefit [Text Block] |
Standard Death Benefit (available for certificate owners age 79 and younger)
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RVS Group I | StandardDeathBenefitavailableforownersage80andyoungerMember |
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Prospectus: |
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Name of Benefit [Text Block] |
Standard Death Benefit (available for certificate owners age 80 and younger)
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Purpose of Benefit [Text Block] |
Provides a guaranteed death benefit equal to the certificate account value, minus any loan balance
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Standard Benefit [Flag] |
true
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Standard Benefit Expense (of Benefit Base), Maximum [Percent] |
0.60%
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Standard Benefit Expense (of Benefit Base), Current [Percent] |
0.60%
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Brief Restrictions / Limitations [Text Block] |
•Annuitizing the Certificate terminates the benefit.
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Name of Benefit [Text Block] |
Standard Death Benefit (available for certificate owners age 80 and younger)
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RVS Group I | DollarCostAveragingMember |
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Prospectus: |
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Name of Benefit [Text Block] |
Dollar Cost Averaging
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Purpose of Benefit [Text Block] |
Allows the systematic transfer of a specified dollar amount among the subaccounts
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Standard Benefit [Flag] |
true
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Brief Restrictions / Limitations [Text Block] |
•Transfers not available to or from the GPAs or the Special DCA fixed account
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Name of Benefit [Text Block] |
Dollar Cost Averaging
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RVS Group I | SpecialDollarCostAveragingSDCAMember |
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Prospectus: |
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Name of Benefit [Text Block] |
Special Dollar Cost Averaging (SDCA)
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Purpose of Benefit [Text Block] |
Allows the systematic transfer from the Special DCA fixed account to one or more eligible subaccounts
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Standard Benefit [Flag] |
true
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Brief Restrictions / Limitations [Text Block] |
•Must be funded with a purchase payment, not transferred certificate account value•Only 6-month and 12-month options may be available•Transfers occur on a monthly basis and the first monthly transfer occurs one day after we receive your purchase payment•You may not use the GPA account or the Special DCA fixed account as a destination for the Special DCA monthly transfer.
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Name of Benefit [Text Block] |
Special Dollar Cost Averaging (SDCA)
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RVS Group I | AssetRebalancingMember |
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Prospectus: |
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Name of Benefit [Text Block] |
Asset Rebalancing
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Purpose of Benefit [Text Block] |
Allows you to have your investments periodically rebalanced among the subaccounts to your pre-selected percentages
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Standard Benefit [Flag] |
true
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Brief Restrictions / Limitations [Text Block] |
•You must have $2,000 in Certificate account value to participate.•We require 30 days notice for you to change or cancel the program•You can request rebalancing to be done either quarterly, semiannually or annually
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Name of Benefit [Text Block] |
Asset Rebalancing
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RVS Group I | AutomatedPartialSurrendersSystematicWithdrawalsMember |
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Prospectus: |
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Name of Benefit [Text Block] |
Automated Partial Surrenders/Systematic Withdrawals
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Purpose of Benefit [Text Block] |
Allows automated partial surrenders from the contract
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Standard Benefit [Flag] |
true
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Brief Restrictions / Limitations [Text Block] |
•Additional systematic payments are not allowed with automated partial surrenders•May result in income taxes and IRS penalty on all or a portion of the amounts surrendered
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Name of Benefit [Text Block] |
Automated Partial Surrenders/Systematic Withdrawals
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RVS Group I | Standard Death Benefit [Member] |
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Prospectus: |
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Operation of Benefit [Text Block] |
Benefits in Case of DeathWe will pay the death benefit to your beneficiary upon your death if you die before the annuitization start date with a certificate account value greater than zero. If you are age 79 or younger on the date we issue the certificate, the beneficiary receives the greater of: •the certificate account value, minus any loan balance; or •the Return of Purchase Payments (ROPP) value, minus any loan balance. If you are age 80 or older on the certificate date, the beneficiary receives the certificate account value, minus any loan balance. Here are some terms that are used to describe the death benefit: ROPP Value: is the total purchase payments on the certificate issue date. Additional purchase payments will be added to the ROPP value. Adjusted partial surrenders will be subtracted from the ROPP value. If you take a partial surrender, the applicable ROPP Value will be reduced proportionally based on the percentage of certificate account value that is withdrawn. This means that if the certificate account value is higher than the ROPP Value at the time of a partial surrender, then the ROPP Value is reduced by an amount that is less than the dollar amount withdrawn. Conversely, if the certificate account value is lower than the ROPP Value at the time of a partial surrender, then the ROPP Value is reduced by an amount that is more than the dollar amount withdrawn.
Adjusted partial surrenders |
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amount by which the certificate account value is reduced as a result of the partial surrender. |
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the ROPP value on the date of (but prior to) the partial surrender. |
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the certificate account value on the date of (but prior to) the partial surrender. | For a spouse who continues the contract and is age 79 or younger, we set the ROPP value to the certificate account value on the date of the continuation after any increase to the certificate account value due to the death benefit that would otherwise have been paid. If You Die Before the Annuitization Start DateWhen paying the beneficiary, we will process the death claim on the valuation date our death claim requirements are fulfilled. We will determine the certificate account value using the accumulation unit value we calculate on that valuation date. We pay interest, if any, at a rate no less than required by law. We will mail payment to the beneficiary within seven days after our death claim requirements are fulfilled. Death claim requirements generally include due proof of death and will be detailed in the claim materials we send upon notification of death. The death benefit for each beneficiary will be payable in a lump sum on the valuation date we receive due proof of death from that beneficiary. The beneficiary may elect to receive payment anytime within five years after the date of death. Some beneficiaries may have additional options. In lieu of a lump sum, your designated beneficiary may elect to receive regular installment payments under one of the following options: a.If you have not elected an annuity payout plan, and if death occurs on or after Jan. 1, 2020, the beneficiary is required to withdraw his or her entire inherited interest by December 31 of the 10th year following your date of death unless they qualify as an “eligible designated beneficiary.” Your beneficiary may be required to take distributions during the 10-year period if you died after your Required Beginning Date, as defined by Code. Eligible designated beneficiaries may continue to take proceeds out over your life expectancy if you died prior to your Required Beginning Date or over the greater of your life expectancy or their life expectancy if you died after your Required Beginning Date. Eligible designated beneficiaries include: •the surviving spouse; •a lawful child of the owner under the age of 21 (remaining amount must be withdrawn by the earlier of the end of the year the minor turns 31 or end of the 10th year following the minor's death); •disabled within the meaning of Code section 72(m)(7); •chronically ill within the meaning of Code section 7702B(c)(2); •any other person who is not more than 10 years younger than the owner. However, non-natural beneficiaries, such as estates and charities, are subject to a five-year rule to distribute the IRA if you died prior to your Required Beginning Date. We will pay the beneficiary in a single sum unless the beneficiary elects to receive payouts under any payout plan available under this contract and: •the beneficiary elects in writing, and payouts begin, no later than one year following the year of your death; and •the payout period does not extend beyond December 31 of the 10th year following your death or the applicable life expectancy for an eligible designated beneficiary. In the event of your beneficiary’s death, their beneficiary can elect to take a lump sum payment or annuitize the contract to deplete it within 10 years of your beneficiary’s death. b.If, upon your death, the designated beneficiary does not elect one of the irrevocable annuity payment plans (A through E), or a single sum distribution, then the designated beneficiary may elect to receive payments according to an alternative plan as agreed to by us provided: •the designated beneficiary elects the plan at the time we receive due proof of death; •if your sole designated beneficiary is your surviving spouse, your entire interest will be distributed, beginning no later than the later of December 31 of the calendar year following the calendar year of your death or December 31 of the calendar year in which you would have attained age 73, over the life of the surviving spouse or over a period not extending beyond the life expectancy of the surviving spouse. If the surviving spouse dies before distributions commence, the remaining interest will be distributed, beginning no later than December 31 following the calendar year of the surviving spouse’s death, over the spouse’s designated beneficiary’s remaining life expectancy determined using such beneficiary’s age as of his or her birthday in the year following the death of the spouse; or •if your sole designated beneficiary is someone other than your surviving spouse, your entire interest will be distributed, beginning no later than the end of the calendar year following the calendar year of your death, over the remaining life expectancy of the designated beneficiary, with such life expectancy determined using the age of the beneficiary as of his or her birthday in the year following the year of your death and reduced by 1 for each subsequent year; •if you die before your Required Beginning Date and there is no designated beneficiary, or if elected by the designated beneficiary, your entire interest will be distributed by December 31 of the calendar year containing the fifth anniversary of your death (or of the spouse’s death if the designated beneficiary was your surviving spouse and the spouse dies before distributions are required to begin); •if you die on or after your Required Beginning Date and there is no designated beneficiary, your entire interest will be distributed, beginning no later than December 31 of the calendar year following the calendar year of your death, over your remaining life expectancy determined using your age in the year of your death and reduced by 1 for each subsequent year.
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Calculation Method of Benefit [Text Block] |
Example of death benefit calculation when you are age 79 or younger on the certificate effective date: •You purchase the certificate with a payment of $20,000 •During the second certificate year the certificate account value falls to $18,000, at which point you take a $1,500 partial surrender, leaving a certificate account value of $16,500.
We calculate the death benefit as follows, assuming $0 loan balance: |
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The total purchase payments minus adjustments for partial surrenders: |
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minus adjusted partial surrenders, calculated as: |
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The death benefit is the ROPP value of: |
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since this is greater than your certificate account value of $16,500 |
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