RiverSource^® Income Protection Essentials

The essential combination to help protect your income.

If you’re like many people, you depend on your paycheck to maintain your quality of life. Your income pays for a wide range of essential and discretionary expenses from monthly mortgage payments to entertainment. But what if the unexpected happened? Would those who depend on you be able to maintain their lifestyle and keep dreams within reach?

Income Protection Essentials brings together two products to provide the income protection you need, including:

• RiverSource Income Protection Life — a unique term life insurance product that provides a guaranteed monthly benefit vs. a lump sum benefit in the event of death. Not available in all states, including New York.
• RiverSource Income Protection — disability income insurance which provides a monthly benefit in the event of long-term sickness or injury.

All guarantees are based on the continued claims paying ability of the issuing company.

Offering security for loved ones.

The Income Protection Essentials products will replace up to 100% of your income in the event of death, or as much as 90% of your after tax income if you become disabled. This monthly “paycheck” can help those closest to you:

• Maintain lifestyle
• Cover essential monthly expenses
• Continue funding savings for retirement, college education, or other goals

Providing simplicity and flexibility.

When you apply for either Income Protection Life insurance or Income Protection disability income insurance, you simply:

• Choose the available benefit amount based on your income
• Decide how long you’d like the benefit to pay (up to age 67)
• Select optional riders or features

Plus, both products provide the flexibility to make changes as your needs evolve.

Save with Income Protection Essentials.

When you purchase both Income Protection Life insurance and Income Protection disability income insurance, you will receive a 5% discount on your disability income insurance premiums. (Offer not available in all states, including New York, and restrictions apply. See your financial advisor for details.)

Talk to your financial advisor today to learn more about the Income Protection Essentials products, and how life and disability income insurance can help protect your income.