RiverSource^® Income Protection Coverage Options Overview

So you can focus on your recovery and those who matter most to you

With RiverSource disability income insurance solutions, you can choose among three predesigned options using our core disability income protection products. The selection process is made easy with different combinations of solutions: Base coverage, Enhanced coverage and Comprehensive coverage. Or, you can customize the coverage that's right for you.

• Base coverage provides essential disability income insurance protection, with maximum income and occupation protection for a limited period. Available to all occupation classes and issue ages.
• Enhanced coverage provides a benefit when the insured is unable to work in his or her job and is not working elsewhere. Available to professional and medical occupation classes, issue ages 18 to 50.
• Comprehensive coverage our most comprehensive option provides a benefit when the insured is unable to work in his or her job, even if working in another job, up to age 65. Available to professional occupation classes with issue ages 18 to 50.

All coverage options offer:

• An income tax-free monthly benefit paid directly to you, that can help you cover daily expenses, maintain your lifestyle and continue to save toward your future goals.
• Guaranteed coverage up to age 65, as long as premiums are paid in full and on time. Your coverage remains in place when you are changing jobs or during periods of unemployment.
• No changes to your coverage without your consent while you own your policy. We cannot increase the premium, add any restrictive riders or endorsements, amend or reduce your coverage because you move to a more hazardous occupation.
• Coverage for bonuses and commissions so you can protect more of your actual earnings, not just your base salary.

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

Also, some of the coverage options have built-in riders that may help your benefit keep pace with wage and cost-of-living increases:

• Cost of Living Adjustment Rider — Provides annual increases to your monthly benefit amount after a claim has been filed. It also may allow you to purchase the increased coverage amount after you return to work.
• Future Purchase Option — Enables you to annually increase your benefit to help stay in line with your income increases while you are working, if a claim has not been filed.
• Social Benefit rider (In New York, the Social Benefits Substitute rider) — Provides additional benefit amount until Social Security disability benefits are available.

Income protection options simplified

From products to options, RiverSource insurance has simplified the disability income protection solutions to fit your unique needs. Ask your advisor to help you choose the disability income insurance solution that suits your financial situation.

Important Income Protection and Income Protection Plus Downloads

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