Universal Life Insurance

Control how you save, spend and protect your savings

Universal life insurance is a flexible-premium life insurance policy that accumulates cash value. Because it's flexible, you can adjust benefits as your needs change. Some changes may require underwriting approval.

Some of the key benefits of universal life insurance include:

  • Income tax-free death benefit
  • Optional guaranteed lifetime protection
  • Guaranteed fixed interest rate
  • Tax-deferred growth
  • Flexible death benefit and premium amounts
  • Income tax-free access to your cash value (when properly structured) for:
    • Emergencies
    • College education
    • Retirement income
    • Other needs
    All guarantees are based on the continued claims paying ability of the issuing company.

Before you purchase, be sure to ask your sales representative about the life insurance policy's features, benefits and fees, and whether the life insurance is appropriate for you, based upon your financial situation and objectives.

RiverSource Distributors, Inc. (Distributor), Member FINRA. Insurance and annuity products are issued by RiverSource Life Insurance Company and in New York, by RiverSource Life Insurance Co. of New York, Albany, New York. These companies are affiliated with Ameriprise Financial Services, Inc. Only RiverSource Life Insurance Co. of New York is authorized to sell insurance and annuities in New York.