Flexible Premium Variable Life Insurance Policies ▼

Jan. 2, 2007

RiverSource Life Insurance Company
(previously American Enterprise Life Insurance Company)
70100 Ameriprise Financial Center
Minneapolis, MN  55474


RE:         RiverSource Variable Life Account
            (previously American Enterprise Variable Life Account)
            Initial Registration Statement on Form N-6
            Flexible Premium Variable Life Insurance Policy

Ladies and  . . .

Jan. 2, 2007

RiverSource Life Insurance Co. of New York
(previously IDS Life Insurance Company of New York)
20 Madison Avenue Extension
Albany, NY 12203

RE:      RiverSource of New York Account 8
         (previously IDS Life of New York Account 8), Form N-6
         Flexible Premium Variable Life Insurance Policies
         Post-Effective Amendment No. 22
         File No. 333-44644/811-5213

Ladies and  . . .

RIVERSOURCE LIFE INSURANCE COMPANY                          RIVERSOURCE [LOGO]
(70100 Ameriprise Financial Center)                              Insurance
(Minneapolis, MN 55474)


FLEXIBLE PREMIUM VARIABLE
LIFE INSURANCE POLICY

- POLICY CONTINUES UNTIL DEATH OR SURRENDER.
- FLEXIBLE PREMIUMS PAYABLE AS PROVIDED HEREIN.
- NO-LAPSE GUARANTEE AS DESCRIBED HEREIN.
- THIS POLICY IS NONPARTICIPATING. DIVIDENDS ARE NOT PAYABLE.


                                                    
Insured:      (John Doe)               Policy Number:        (9090-1234,456)

       . . .

February 28, 2007

RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, Minnesota 55474

RE:      RiverSource Variable Life Separate Account
         Post-Effective Amendment No. 29
         Flexible Premium Variable Life Insurance Policies
         File No. 333-69777/ 811-4298

Ladies and  . . .

February 28, 2007

RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, Minnesota 55474

RE:      RiverSource Variable Life Separate Account
         Post-Effective Amendment No. 29
         Flexible Premium Variable Life Insurance Policies
         File No. 333-69777/ 811-4298

Ladies and  . . .

April 27, 2007



RiverSource Life Insurance Co. of New York
20 Madison Avenue Ext.
Albany, NY  12203


RE:      RiverSource of New York Account 8, Form N-6
         Post-Effective Amendment No. 30
         Flexible Premium Variable Life Insurance Policy
         File No. 33-15290/811-5213

Ladies and Gentlemen:

         I am familiar with the establishment of the RiverSource of New  . . .

April 27, 2007



RiverSource Life Insurance Company
70100 Ameriprise Financial Center
Minneapolis, Minnesota  55474


RE:      RiverSource Variable Life Separate Account, Form N-6
         Post-Effective Amendment No. 32
         Flexible Premium Variable Life Insurance Policy
         File No. 33-11165/811-4298

Ladies and  . . .

                             Policy Number SPECIMEN

Insured            JOHN DOE

Specified Amount   $100,000   Policy Date   MAY 1, 2007

                   THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

A Stock Company   Home Office Location:            Fort Wayne, Indiana


                                                
                  Administrator Mailing Address:   The Lincoln National Life Insurance Company
                                                   350 Church Street
                                                   Hartford, CT 06103- . . .

November 21, 2007

RiverSource Life Insurance Co. of New York
20 Madison Avenue Extension
Albany, NY 12203

RE:    RiverSource of New York Account 8,
       Form N-6
       Flexible Premium Variable Life Insurance Policies
       Post-Effective Amendment No. 24
       File No. 333-44644/811-5213

Ladies and  . . .

November 21, 2007

RiverSource Life Insurance Co. of New York
20 Madison Avenue Ext.
Albany, NY  12203

RE: RiverSource of New York Account 8, Form N-6
    Post-Effective Amendment No. 31
    Flexible Premium Variable Life Insurance Policy
    File No. 33-15290/811-5213

Ladies and Gentlemen:

     I am familiar with the establishment of the RiverSource of New York  . . .

JEFFERSON PILOT FINANCIAL INSURANCE COMPANY
(the "Company")

SERVICE OFFICE: One Granite Place, P. O. Box 515, Concord, New Hampshire
                03302. (800) 453-8588

                A Stock Company

This policy is a legal contract between You and Us. IT IS IMPORTANT THAT YOU
READ YOUR CONTRACT CAREFULLY.

We will pay the Death Benefit described on Page 10 of this policy to the
Beneficiary upon receipt of due proof that the death of the Insured occurred
while this policy was in force. This payment and all other rights, options and
benefits will be subject to the  . . .

JEFFERSON PILOT FINANCIAL INSURANCE COMPANY
(the "Company")

SERVICE OFFICE: One Granite Place, P. O. Box 515, Concord, New Hampshire
                03302. (800) 453-8588

                A Stock Company

This policy is a legal contract between You and Us. IT IS IMPORTANT THAT YOU
READ YOUR CONTRACT CAREFULLY.

We will pay the Death Benefit described on Page 10 of this policy to the
Beneficiary upon receipt of due proof that the death of the Insured occurred
while this policy was in force. This payment and all other rights, options and
benefits will be subject to the  . . .

WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

Home Office: Columbus, Ohio

Administrative Office:

(A STOCK COMPANY)

[P.O. Box 5068

Clearwater, FL 33758]

IN THIS POLICY, the Primary Insured is named on the Policy Schedule page. Western Reserve Life Assurance Co. of Ohio will be referred to as We, Our or Us.

IF THE PRIMARY INSURED DIES while this Policy is In Force, WE WILL PAY the Death Benefit Proceeds to the Beneficiary upon receipt of due proof of the Primary Insured?s death. THE AMOUNT OF THE DEATH BENEFIT PROCEEDS WILL INCREASE OR DECREASE  . . .

                   Lincoln Life & Annuity Company of New York


A Stock Company     Home Office Location:    100 Madison Street, Suite 1860
                                             Syracuse, New York

           Administrator Mailing Address:    The Lincoln National Life
                                             Insurance Company
                                             Corporate Specialty Markets
                                             350 Church Street
                                             Hartford, CT 06103-1106

Lincoln Life & Annuity Company of  . . .

[LOGO OF JOHN HANCOCK COMPANY]      Life Insurance Company (U.S.A.)
                                    A Stock Company

     LIFE INSURED       [John J. Doe]

    POLICY NUMBER       [12 345 678]

        PLAN NAME       [Corporate VUL]

FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY
ADJUSTABLE DEATH BENEFIT
BENEFIT PAYABLE ON LIFE INSURED'S DEATH
FLEXIBLE PREMIUMS PAYABLE TO ATTAINED AGE 100 DURING THE LIFE INSURED'S LIFETIME
NON-PARTICIPATING (NOT ELIGIBLE FOR DIVIDENDS)

Subject to the conditions and provisions of this policy, if the Life Insured
dies while the policy is  . . .

[LOGO OF JOHN HANCOCK COMPANY]    Life Insurance Company (U.S.A.)
                                  A Stock Company

 LIFE INSURED [John J. Doe]

POLICY NUMBER [12 345 678]

    PLAN NAME [Accumulation VUL]

FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY
ADJUSTABLE DEATH BENEFIT
BENEFIT PAYABLE ON LIFE INSURED'S DEATH
FLEXIBLE PREMIUMS PAYABLE TO AGE 100 DURING THE LIFE INSURED'S LIFETIME
NON-PARTICIPATING (NOT ELIGIBLE FOR DIVIDENDS)

Subject to the conditions and provisions of this policy, if the Life Insured
dies while the policy is in force, the John Hancock Life Insurance  . . .

April 28, 2005



IDS Life Insurance Company
70100 AXP Financial Center
Minneapolis, Minnesota  55474


RE:      IDS Life Variable Life Separate Account, Form N-6
         Post-Effective Amendment No. 29
         Flexible Premium Variable Life Insurance Policy
         File No. 33-11165/811-4298

Ladies and  . . .