May 4, 2026

Disclosure Review and Accounting Office
Division of Investment Management
Securities and Exchange Commission
100 F Street, N.E. (Mail Stop 5-6)
Washington, D.C. 20549

ATTN: Document Control – Edgar

RE:

RiverSource Life Insurance Company
on behalf of RiverSource Variable Life Separate Account
File Nos. 333-182361 and 811-04298
RiverSource Variable Universal Life 5 Insurance / RiverSource Variable Universal Life 5
Insurance – Estate Series

Dear Mr. Cowan:

Pursuant to Rule 497(j) under the Securities Act of 1933, as amended, please accept this letter as certification that the prospectus and Statement of Additional Information for the above-referenced insurance policies do not differ from that contained in Registrant’s Post-Effective Amendment No. 18 filed on April 27, 2026.

If you have any questions regarding this filing, please contact me at (612) 678-5337.

Sincerely, 

/s/ Nicole D. Wood

Nicole D. Wood

Assistant General Counsel and Assistant Secretary