S-3

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Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

Table of Contents

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Table of Contents

(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)

(Name, address, including zip code, and telephone number, including area code, of agent for service)

Approximate date of commencement of proposed sale to the public: As soon as practicable after the effective date of this registration statement.

If the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box. ☐

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box. ☒

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ☐

If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box. ☐

If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box. ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer” and “smaller reporting company” in Rule 12b2 of the Exchange Act.

The registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine.

This Fixed Account prospectus describes interests in the Fixed Account available under the RiverSource^® Group Variable Annuity Contract. New variable annuity contracts are not currently being offered. However, if you own a variable annuity contract, you may be able to allocate purchase payments and contract value to the Fixed Account under your contract. Please refer to your variable annuity contract or certificate (collectively, contract) and the separate prospectus for the contract (contract prospectus) for details regarding whether you are eligible to invest in the Fixed Account.

Please read this Fixed Account prospectus carefully and keep it for future reference. This prospectus does not describe the contract. This prospectus only describes the Fixed Account.

If you make a total withdrawal of money from the Fixed Account, you may be subject to a market value adjustment. Interest rates in the future may be higher or lower than the previous guaranteed interest rate.

A discussion of risk factors associated with the Fixed Account begins on page 4 of this prospectus.

The Securities and Exchange Commission (SEC) has not approved or disapproved these securities or passed upon the accuracy or adequacy of this prospectus. Any representation to the contrary is a criminal offense.

An investment in the Fixed Account is not a deposit of a bank or financial institution and is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. An investment in the Fixed Account involves investment risk including the possible loss of principal.

The principal underwriter is RiverSource Distributors, Inc. The offering of the interests in the Fixed Account is intended to be continuous.

RiverSource Life has not authorized any person to give any information or to make any representations regarding the Fixed Account other than those contained in this prospectus. Do not rely on any such information or representations.

These terms can help you understand details about the Fixed Account.

Close of business: The time the New York Stock Exchange (NYSE) closes (4 p.m. Eastern time unless the NYSE closes earlier).

Code: The Internal Revenue Code of 1986, as amended.

Contract: The RiverSource^® Group Variable Annuity Contract under which the Fixed Account interests are offered.

Contract value: The total value of your contract before we deduct any applicable charges.

Contract year: A period of 12 months, starting on the effective date of your contract and on each anniversary of the effective date.

Fixed account: Part of our general account to which you may allocate purchase payments. Amounts you allocate to this account earn interest at rates we declare periodically.

Good order: We cannot process your transaction request relating to the contract until we have received the request in good order at our Service Center. “Good order” means the actual receipt of the requested transaction in writing, along with all information, forms and supporting legal documentation necessary to effect the transaction. To be in “good order,” your instructions must be sufficiently clear so that we do not need to exercise any discretion to follow such instructions. We may, in our sole discretion, determine whether any particular transaction request is in good order, and we reserve the right to change or waive any good order requirements at any time.

Market Value Adjustment (MVA): A positive or negative adjustment assessed if you withdraw the total contract value to transfer that value to another funding vehicle, you make a total withdrawal of the Fixed Account contract value, or we terminate the contract pursuant to the terms of the contract.

Owner (you, your): The plan sponsor or trustee of the plan.

Plan: The retirement plan under which the contract is issued and which meets the requirements of Code Sections 401 (including 401(k)) or 457.

RiverSource Life: In this prospectus, “we,” “us,” “our” and “RiverSource Life” refer to RiverSource Life Insurance Company.

Service Center: Our department that processes all transaction and service requests for the contracts. We consider all transaction and service requests received when they arrive in good order at the Service Center. Any transaction or service requests sent or directed to any location other than our Service Center may end up delayed or not processed. Our Service Center address and telephone number are listed on the first page of this prospectus.

Valuation date: Any normal business day, Monday through Friday, on which the NYSE is open, up to the time it closes. At the NYSE close, the next valuation date begins. If your contract anniversary is not a valuation date, your contract value for that contract anniversary will be based on close of business values on the next valuation date.

If we receive your purchase payment or any transaction request (such as a transfer or withdrawal request) in good order at our Service Center before the close of business, we will process your payment or transaction using the

close of business values we calculate on the valuation date we received your payment or transaction request. On the other hand, if we receive your purchase payment or transaction request in good order at our Service Center at or after the close of business, we will process your payment or transaction using the close of business values we calculate on the next valuation date.

Variable account: Separate subaccounts to which you may allocate purchase payments; each invests in shares of one fund. The value of your investment in each subaccount changes with the performance of the particular fund.

This section discusses risks associated with the Fixed Account. Please refer to your contract prospectus for information about risks associated with your contract.

The Fixed Account pays an interest rate declared by us when you make an allocation to that account and is fixed for one year. We will periodically change the declared interest rate for future allocations to these accounts at our discretion based, in part, on various factors related to future investment earnings. We cannot predict nor can we guarantee future rates.

We guarantee the contract value allocated to the Fixed Account, including interest credited, if you do not make a full withdrawal of contract value from the Fixed Account, including a total withdrawal incurred if we terminate the contract. We will apply a Market Value Adjustment (“MVA”) if you withdraw the total contract value to transfer that value to another funding vehicle, you make a total withdrawal of the Fixed Account contract value, or we terminate the contract pursuant to the terms of the contract. Because a total withdrawal may result in a loss of principal due to the MVA, the Fixed Account provides limited liquidity.

We will apply an MVA to total withdrawals from the Fixed Account as described above. The MVA may be negative, positive or result in no change depending on how the interest rate credited to all prior purchase payments allocated to the Fixed Account compares to the interest rate credited to new purchase payments allocated to the Fixed Account. You bear the risk of loss of principal due to a negative MVA.

We guarantee the contract value allocated to the Fixed Account, including interest credited, if you do not make a full withdrawal of contract value from the Fixed Account, including a total withdrawal incurred if we terminate the contract. Otherwise, a total withdrawal of contract value from the Fixed Account may result in the loss of principal due to a negative MVA.

All guarantees under the Fixed Account are subject to the creditworthiness and continued claims-paying ability of RiverSource Life.

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:

These attacks and their consequences can negatively impact your investment in the Fixed Account, your privacy, your ability to conduct transactions, or your ability to receive timely service from us. There can be no assurance that we or our other business partners will avoid losses affecting your investment in the Fixed Account due to any successful cyber-attacks or information security breaches.

You may allocate purchase payments and transfer contract value to the Fixed Account. Amounts allocated to the Fixed Account are part of our general account. We back the principal and interest guarantees relating to the Fixed Account. These guarantees are subject to the creditworthiness and continued claims-paying ability of the company. The value of the Fixed Account increases as we credit interest to the account. We credit and compound interest daily based on a 365-day year so as to produce the annual effective rate which we declare. We do not credit interest on leap days (Feb. 29). The interest rate we apply to each purchase payment or transfer to the Fixed Account is guaranteed for one year. Thereafter, we will change the rates from time to time at our discretion. Interest rates credited in excess of the guaranteed rate generally will be based on various factors related to future investment earnings.

In addition, a market value adjustment is imposed on the Fixed Account if the owner cancels the value of the Fixed Account due to total withdrawal, contract transfer or contract termination. The amount of the market value adjustment approximates the gain or loss resulting from sale by RiverSource Life of assets purchased with purchase payments.

A Market Value Adjustment (MVA) applies only when we pay out the Fixed Account value in a lump sum when:

At your option, we will pay the contract value in a lump sum or in annual installment payouts. A lump sum payout will be subject to an applicable MVA to the Fixed Account value. We will apply the MVA to the contract value withdrawn from the Fixed Account after deducting any applicable contract charges. See “Charges” in your contract prospectus for information on fees and charges that apply under your contract.

The MVA will reflect the relationship between the current interest rate credited to new purchase payments allocated to the Fixed Account and the rate credited to all prior purchase payments. We calculate the MVA as follows:

A = the weighted average interest rate (in decimal form) credited to all Fixed Account purchase payments made by you at the time of termination, rounded to four decimal places;

B = the interest rate (in decimal form) credited to new purchase payments to the contract at the time of termination or total withdrawal, rounded to four decimal places; and

C = the annuity factor, which represents the relationship between the contract year and the average duration of underlying investments from the following table:

We value the amounts you allocate to the Fixed Account directly in dollars. The value of the Fixed Account equals:

See “Charges” in your contract prospectus for information on fees and charges that apply under your contract.

You may transfer contract values from the Fixed Account to one or more subaccounts once during each of two transfer periods: within 60 days after each plan year anniversary and within 60 days after the first day of the seventh month in each plan year. However, if you made a transfer from the Fixed Account to the subaccounts, you may not make a transfer from any subaccount back to the Fixed Account until the next transfer period. We will not accept requests for transfers from the Fixed Account at any other time.

There is no charge for transfers. No MVA applies to transfers from the Fixed Account. Before making a transfer, you should consider the risks involved in changing investments. We may suspend or modify transfer privileges at any time. Any restrictions imposed by the plan will apply.

See “Transferring Among Accounts” in your contract prospectus for additional transfer provisions that apply to the investment options under your contract.

You may withdraw all or part of your contract value in the Fixed Account at any time by sending us a written request. Total withdrawals from the Fixed Account will be subject to an MVA, unless we pay you installment payments. No MVA applies to partial withdrawals from the Fixed Account.

Withdrawal charges and other charges applicable to your contract may apply. See “Charges” in your contract prospectus for more information regarding charges that apply under your contract. Federal income taxes and penalties may also apply. See “Taxes” in your contract prospectus for information about the tax consequences of withdrawing contract value. You should refer to the terms of the particular plan for any further limitations or restrictions on withdrawals.

We reserve the right to defer withdrawal payments from the Fixed Account for a period not to exceed six months from the date we receive the withdrawal request.

You may submit transfer or withdrawal requests by letter or any other method we agree to. Send the plan name, contract number, Social Security Number or Taxpayer Identification Number and signed request for a transfer or withdrawal to:

If we receive your transfer or withdrawal request at our Service Center in good order before the close of business, we will process your transfer using the close of business values we calculate on that valuation date. If we receive your transfer or withdrawal request at our Service Center in good order at or after the close business, we will process your transfer using the close of business values we calculate on the next valuation date after we received your request.

There are no charges that apply specifically to the Fixed Account. Please see the “Charges” section in your contract prospectus for a description of charges that apply under the contract.

The general account includes all assets owned by RiverSource Life, other than those in the variable account and our other separate accounts. Subject to applicable state law, we have sole discretion to decide how assets of the general account will be invested. The assets held in our general account support the guarantees under your contract including your investment in the Fixed Account. You should be aware that our general account is exposed to many of the same risks normally associated with a portfolio of fixed-income securities including interest rate, option, liquidity and credit risk. You should also be aware that we issue other types of annuities and financial instruments and products as well, and these obligations are satisfied from the assets in our general account. Our general account is not segregated or insulated from the claims of our creditors.

For additional distribution information, please see your contract prospectus. There is no additional plan of distribution or sales compensation with respect to the Fixed Account.

RiverSource Distributors, Inc. (RiverSource Distributors), our affiliate, serves as the principal underwriter and general distributor of the contract. Its offices are located at 70100 Ameriprise Financial Center, Minneapolis, MN 55474. RiverSource Distributors is a wholly-owned subsidiary of Ameriprise Financial, Inc.

RiverSource Distributors is not required to sell any specific number or dollar amount of securities, but will use its best efforts to sell the securities offered.

Additional information about the underwriting agreement with RiverSource Distributors, Inc., including sales compensation, is included in your contract prospectus and in the statement of additional information that relates to your contract prospectus. This information applies regardless of whether you choose to invest in the Fixed Account, and there is no additional plan of distribution or sales compensation with respect to the Fixed Account.

We issue the interests in the Fixed Account and the contracts they are offered under. We are a stock life insurance company organized in 1957 under the laws of the state of Minnesota and are located at 829 Ameriprise Financial Center, Minneapolis, MN 55474. We are a wholly-owned subsidiary of Ameriprise Financial, Inc.

We conduct a conventional life insurance business. We are licensed to do business in 49 states, the District of Columbia and American Samoa. Our primary products currently include fixed and variable annuity contracts (including indexed linked annuity contracts) and life insurance policies.

Insurance companies have been the subject of increasing regulatory, legislative and judicial scrutiny. Numerous state and federal regulatory agencies have commenced examinations and other inquiries of insurance companies regarding sales and marketing practices (including sales to older consumers and disclosure practices), claims handling, and unclaimed property and escheatment practices and

procedures. RiverSource Life has cooperated and will continue to cooperate with the applicable regulators.

RiverSource Life is involved in the normal course of business in a number of other legal and arbitration proceedings concerning matters arising in connection with the conduct of its business activities. RiverSource Life believes that it is not a party to, nor are any of its properties the subject of, any pending legal, arbitration or regulatory investigation, examination or proceeding that is likely to have a material adverse effect on its consolidated financial condition, results of operations or liquidity. Notwithstanding the foregoing, it is possible that the outcome of any current or future legal, arbitration or regulatory proceeding could have a material impact on results of operations in any particular reporting period as the proceedings are resolved.

Uncertain economic conditions, heightened and sustained volatility in the financial markets and significant financial reform legislation may increase the likelihood that clients and other persons or regulators may present or threaten legal claims or that regulators increase the scope or frequency of examinations of RiverSource Life or the insurance industry generally.

The financial statements incorporated in this prospectus by reference to the Annual Report on Form 10-K for the year ended December 31, 2021 have been so incorporated in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

The SEC allows Us to “incorporate by reference” the information We have filed with the SEC. This means that We can disclose important information to You without actually including the specific information in this prospectus by referring You to other documents filed separately with the SEC. The information incorporated by reference is an important part of this prospectus. Information that We later provide to the SEC, and which is deemed to be “filed” with the SEC, will automatically update information previously filed with the SEC, and may replace information in this prospectus and information previously filed with the SEC. We incorporate by reference RiverSource Life Insurance Company’s annual report on Form 10-K for the year ended December 31, 2021 as filed with the SEC on [TBD], 2022, File No. 033-28976 in accordance with the Securities Exchange Act of 1934, as amended and any filings We make with the SEC under Sections 13(a) or 15(d) of the Securities Exchange Act (excluding information deemed to be furnished and not filed with the SEC) after the effective date of this registration statement, until all offerings under the registration statement of which this prospectus forms a part are completed or terminated. The annual report contains additional information about RiverSource Life Insurance Company, including audited financial statements for the latest fiscal year.

RiverSource Life will furnish You without charge a copy of any or all of the documents incorporated by reference into this prospectus, including any exhibits to such documents which have been specifically incorporated by reference. We will do so upon receipt of Your written or oral request. You can contact RiverSource Life at the telephone number and address listed on the first page of this prospectus.

This prospectus is part of a registration statement we file with the SEC. Additional information on RiverSource Life and on this offering is available in the registration statement and other materials we file. You can obtain copies of these materials at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. You can obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC also maintains an Internet site that contains reports, proxy

and information statements and other information regarding issuers that file electronically with the SEC. This prospectus, other information about the contract and other information incorporated by reference are available on the EDGAR Database on the SEC’s Internet site at (http://www.sec.gov).

Insofar as indemnification for liabilities arising under the Securities Act of 1933 (the Act) may be permitted to directors, officers and controlling persons of RiverSource Life pursuant to the foregoing provisions, or otherwise, we have been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment of expenses incurred or paid by a director, officer or controlling person in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, we will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

The following is an itemized list of the estimated expenses to be incurred in connection with the issuance and distribution of the securities being offered:

The amended and restated By-Laws of the depositor provide that the depositor will indemnify, to the fullest extent now or hereafter provided for or permitted by law, each person involved in, or made or threatened to be made a party to, any action, suit, claim or proceeding, whether civil or criminal, including any investigative, administrative, legislative, or other proceeding, and including any action by or in the right of the depositor or any other corporation, or any partnership, joint venture, trust, employee benefit plan, or other enterprise (any such entity, other than the depositor, being hereinafter referred to as an “Enterprise”), and including appeals therein (any such action or process being hereinafter referred to as a “Proceeding”), by reason of the fact that such person, such person’s testator or intestate (i) is or was a director or officer of the depositor, or (ii) is or was serving, at the request of the depositor, as a director, officer, or in any other capacity, or any other Enterprise, against any and all judgments, amounts paid in settlement, and expenses, including attorney’s fees, actually and reasonably incurred as a result of or in connection with any Proceeding, except as provided below.

No indemnification will be made to or on behalf of any such person if a judgment or other final adjudication adverse to such person establishes that such person’s acts were committed in bad faith or were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated, or that such person personally gained in fact a financial profit or other advantage to which such person was not legally entitled. In addition, no indemnification will be made with respect to any Proceeding initiated by any such person against the depositor, or a director or officer of the depositor, other than to enforce the terms of this indemnification provision, unless such Proceeding was authorized by the Board of Directors of the depositor. Further, no indemnification will be made with respect to any settlement or compromise of any Proceeding unless and until the depositor has consented to such settlement or compromise.

The depositor may, from time to time, with the approval of the Board of Directors, and to the extent authorized, grant rights to indemnification, and to the advancement of expenses, to any employee or agent of the depositor or to any person serving at the request of the depositor as a director or officer, or in any other capacity, of any other Enterprise, to the fullest extent of the provisions with respect to the indemnification and advancement of expenses of directors and officers of the depositor.

Insofar as indemnification for liability arising under the Securities Act of 1933 (the “Act”) may be permitted to directors, officers and controlling persons of the depositor or the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

See the Exhibit Index immediately preceding the signature page to this registration statement for a list of exhibits filed as part of this registration statement, which Exhibit Index is incorporated herein by reference.

(1) to file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:

(i) to include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;

(ii) to reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the Registration Statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering price set forth in the “Calculation of Registration Fee” table in the effective registration statement;

(iii) to include any material information with respect to the plan of distribution not previously disclosed in the Registration Statement or any material change to such information in the Registration Statement, provided, however, that paragraphs (a)(1)(i), (a)(1)(ii) and (a)(1)(iii) do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in periodic reports filed with or furnished to the Commission by the registrant pursuant to Section 13 or 15(d) of the Securities Act of 1934 that are incorporated by reference in the registration statement, or is contained in a form of prospectus filed pursuant to Rule 424(b) that is part of this Registration Statement;

(2) that, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed to be a new Registration Statement relating to the securities offered therein, and the offering of such securities at that time may be deemed to be the initial bona fide offering thereof;

(3) to remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering; and

(4) That, for the purpose of determining liability under the Securities Act of 1933 to any purchaser, each prospectus filed pursuant to Rule 424(b) as part of a registration statement relating to an offering, other than registration statements relying on Rule 430B or other than prospectuses filed in reliance on Rule 430A, shall be deemed to be part of and included in the registration statement as of the date it is first used after effectiveness. Provided, however, that no statement made in a registration statement or prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time of contract of sale prior to such first use, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use. registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such date of first use.

(5) That, for the purpose of determining liability of the Registrant under the Securities Act of 1933 to any purchaser in the initial distribution of the securities: The undersigned Registrant undertakes that in a primary offering of securities of the undersigned Registrant pursuant to this registration statement, regardless of the underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned Registrant will be a seller to the purchaser and will be considered to offer or sell such securities to such purchaser: (i) Any preliminary prospectus or prospectus of the undersigned Registrant relating to the offering required to be filed pursuant to Rule 424; (ii) Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned Registrant or used or referred to by the undersigned Registrant; (iii) The portion of any other free writing prospectus relating to the offering containing material information about the undersigned Registrant or its securities provided by or on behalf of the undersigned Registrant; and (iv) Any other communication that is an offer in the offering made by the undersigned Registrant to the purchaser.

(b) The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the registrant’s annual report pursuant to Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof.

c) Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or

proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

Pursuant to the requirements of the Securities Act of 1933, the Registrant, RiverSource Life Insurance Company, certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-3 and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Minneapolis, State of Minnesota, on the 25th day of February, 2022.

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities indicated on the 25th day of February, 2022.

Signed pursuant Power of Attorney to sign Amendment to this Registration Statement, dated Jan. 11, 2022, filed electronically herewith, by:


Minnesota		41-0823832
(State or other jurisdiction of		(I.R.S. Employer
incorporation or organization)		Identification No.)


Issued by:		RiverSource Life Insurance Company (RiverSource Life)
		70100 Ameriprise Financial Center
		Minneapolis, MN 55474
		Telephone: 1-800-862-7919
		(Service Center)


Key Terms			3

Risk Factors			4

The Fixed Account			5

Market Value Adjustment (MVA)			5

Valuing Your Investment in the Fixed Account			6

Transferring Contract Value To and From the Fixed Account			7

Withdrawals From the Fixed Account			7

Processing Requests			7

Charges			7

The General Account			8

About the Service Providers			8

Principal Underwriter			8

Issuer			8

Legal Proceedings			8

Experts			9

Additional Information			9

Incorporation of Certain Documents By Reference			9

Available Information			9

Indemnification			10


Year	Purchase payments		Initial rate		Current rate		Accumulation account value
1		$10,000		6.50%		6.25%		$12,560
2		8,000		6.00		6.25		9,870
3		12,000		6.25		6.25		13,960
4		15,000		7.50		6.75		16,660
5		20,000		6.50		6.50		20,640

Contract year

Annuity factor


Registration Fee:	$	0
Printing and Filing Expenses:	$	2,900	*
Legal Fees and Expenses:		N/A
Audit Fees:	$	_____	*
Accounting Fees and Expenses:		N/A


Exhibit No.		Description

1.		Form of Principal Underwriter Agreement for RiverSource Life Insurance Company Variable Annuities and Variable Life Insurance filed as Exhibit 3.1 to the Registration Statement on Form N-4 for RiverSource Variable Annuity Account, File No. 333-139760 on January 3, 2007, is incorporated by reference.

2.1		Articles of Merger of IDS Life Insurance Company and American Enterprise Life Insurance Company dated March 16, 2006 filed as Exhibit 2.1 to Post-Effective Amendment No. 8 to the Registration Statement on Form S-1 for RiverSource Life Insurance Company, File No. 333-114888 on April 24, 2007, is incorporated herein by reference.

2.2		Articles of Merger of IDS Life Insurance Company and American Partners Life Insurance Company dated March 17, 2006 filed as Exhibit 2.2 to Post-Effective Amendment No. 8 to the Registration Statement on Form S-1 for RiverSource Life Insurance Company, File No. 333-114888 on April 24, 2007, is incorporated herein by reference.

3.1		Copy of Certificate of Incorporation of IDS Life Insurance Company dated July 23, 1957, filed as Exhibit 3.1 to Post-Effective Amendment No. 2 to the Registration Statement on Form S-1 for RiverSource Life Insurance Company, File No. 33-48701 on April 6, 1994, is incorporated by reference. (See Exhibit 3.1 to Form S-1 Registration Statement filed with the SEC on 4/6/1994.)

3.2		Copy of Amended and Restated By-laws of IDS Life Insurance Company, filed as Exhibit 6.2 to Post-Effective Amendment No. 13 to the Registration Statement on Form N-4 for RiverSource Account F, File No. 33-47302 on April 23, 2003, is incorporated by reference.

3.3		Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company filed as Exhibit 27(f)(2) to Post-Effective Amendment No. 28 to the Registration Statement on Form N-6 for RiverSource Variable Life Separate Account, File No. 333-69777, on January 3, 2007, is incorporated by reference.

4.		Form of Group Deferred Variable Annuity Contract, Form 34660, filed as Exhibit 4.1 to Post-Effective Amendment No. 2 to the Registration Statement on Form S-1 for RiverSource Life Insurance Company, File No. 33-48701 on April 6, 1994, is incorporated by reference. (See Exhibit 4.1 to Form S-1 Registration Statement filed with the SEC on 4/6/1994.)

5.*		Opinion of Counsel regarding legality of Fixed Account Interests is filed herewith.

23.		Consent of Independent Registered Public Accounting Firm will be filed by amendment.


24*.		Power of Attorney to sign this Registration Statement, dated Jan. 11, 2022 filed herewith.
Ex-107		Filing Fees Table filed herewith.


RiverSource Life Insurance Company
		(Registrant)

By		/s/ Gumer C. Alvero
		Gumer C. Alvero
		Gumer C. Alvero Interim Chairman of the Board and Executive Vice President- Annuities


Signature		Title
/s/ Gumer C. Alvero		Interim Chairman of the Board and Executive Vice President – Annuities (Chief Executive Officer)
Gumer C. Alvero
/s/ Michael J. Pelzel		Senior Vice President – Corporate Tax
Michael J. Pelzel
/s/ Stephen P. Blaske		Director, Senior Vice President and Chief Actuary
Stephen P. Blaske
/s/ Shweta Jhanji		Senior Vice President and Treasurer
Shweta Jhanji
/s/ Brian J. McGrane		Director, Executive Vice President and Chief Financial Officer (Chief Financial Officer)
Brian J. McGrane
/s/ Jeninne C. McGee		Director
Jeninne C. McGee
/s/ Gene R. Tannuzzo		Director
Gene R. Tannuzzo
/s/ Gregg L. Ewing		Vice President and Controller (Principal Accounting Officer)
Gregg L. Ewing