497 1 d885691d497.htm 497 497
 
Prospectus Supplement dated March 13, 2015
      Prospectus Form #/Date
Product Name    National    New York
RiverSource Retirement Advisor 4 Advantage® Variable Annuity/RiverSource Retirement Advisor 4 Select® Variable Annuity/RiverSource Retirement Advisor 4 Access® Variable Annuity    S-6503 M (5/14)    S-6504 M (5/14)
RiverSource Retirement Advisor Advantage Plus® Variable Annuity / RiverSource Retirement Advisor Select Plus® Variable Annuity    S-6273 V (5/14)    S-6362 P (5/14)
RiverSource Retirement Advisor Advantage® Variable Annuity — Band 3    S-6407 K (5/09)     
RiverSource Retirement Advisor Advantage® Variable Annuity/RiverSource Retirement Advisor Select® Variable Annuity    S-6406 V (5/14)    S-6410 N (4/13)
RiverSource Retirement Advisor Variable Annuity®    S-6467 W (5/14)    S-6471 R (4/13)
RiverSource Retirement Advisor Variable Annuity® — Band 3    S-6477 N (5/09)     
RiverSource® FlexChoice Select Variable Annuity    45307 R (5/14)    274320 J (4/13)
RiverSource® Innovations Classic Select Variable Annuity    45312 P (5/14)     
RiverSource® Innovations Classic Variable Annuity    45281 V (5/14)     
RiverSource® Innovations Select Variable Annuity    45304 R (5/14)    45313 V (4/13)
RiverSource® Innovations Variable Annuity    45273 W (5/14)    45282 J (5/08)
RiverSource® New Solutions Variable Annuity    240355 W (5/14)     
RiverSource® Signature One Select Variable Annuity    45301 R (5/14)     
RiverSource® Signature Select Variable Annuity    45300 R (5/14)     
RiverSource® Single Premium Variable Life Insurance    S-6199 K (5/08)     
RiverSource Variable Second-to-Die Life Insurance    S-6196 W (5/08)    S-6185 J (5/03)
RiverSource® Variable Universal Life Insurance    S-6194 AR (5/14)    S-6171 AT (5/14)
RiverSource® Variable Universal Life IV/RiverSource® Variable Universal Life IV-Estate Series    S-6418 T (5/14)    S-6419 V (5/14)
RiverSource® Variable Universal Life Insurance III    S-6189 AG (5/14)    S-6211 L (5/09)
RiverSource Succession Select® Variable Life Insurance    S-6202 V (5/14)    S-6203 T (5/14)

This supplement describes proposed changes to certain investment options offered under certain variable life insurance policies and variable annuity contracts (the “Contracts”). Please retain this supplement with your prospectus for future reference.

The Board of Trustees of the MFS® Investors Growth Stock Series — Service Class (Acquired Fund) has approved the proposed reorganization of the Acquired Fund into MFS® Massachusetts Investors Growth Stock Portfolio — Service Class. The proposed transaction is still subject to approval by the shareholders of the fund at a shareholders’ meeting expected to be held on March 19, 2015. No assurance can be given that the reorganization will occur.

Upon the reorganization, effective on or about close of business March 27, 2015, the MFS Investors Growth Stock Series — Service Class will no longer be available as an investment option under your contract and the MFS Massachusetts Investors Growth Stock Portfolio — Service Class will be added as an investment option under your contract.


The following information has been added to the table under “Expense Summary — Annual Operating Expenses of the Funds” or “Fee Tables — Annual Operating Expenses of the Funds” section of the prospectus:

Total annual operating expenses of each fund*

(Before fee waivers and/or expense reimbursements, if applicable, as a percentage of average daily net assets)

 

Fund Name  

Management

fees

    Distribution
and / or
Service 12b-1
fees
    Other
expenses
   

Acquired
fund

fees and
expenses**

    Total
annual
operating
expenses
 
MFS® Massachusetts Investors Growth Stock Portfolio — Service Class     0.75     0.25     0.05                  1.05

 

* The Fund provided the information on its expenses and we have not independently verified the information.

 

** Includes fees and expenses incurred indirectly by the Fund as a result of its investment in other investment companies (also referred to as acquired funds).

The following information has been added to the table under “The Funds” or “The Variable Account and the Funds” section of the prospectus:

 

     
Investing in   Investment Objective and Policies   Investment Adviser
MFS® Massachusetts Investors Growth Stock Portfolio — Service Class   Seeks capital appreciation.   MFS® Investment Management

 

THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE.

 

 

S-6503-31 A (3/15)