Life & Disability Income Insurance

Life Insurance

Disability Income Insurance

• Help Secure Your Financial Future
• Customize Your Coverage
• Get Answers To Your Questions
• Employer-Sponsored Disability Income Insurance Benefits

Help Secure Your Financial Future

When a long-term illness or injury prevents you from working, having the disability income you need helps you focus on your recovery and those who matter most to you.

RiverSource^® disability income insurance offers:

• An income-tax-free monthly benefit, paid directly to you that can help you cover your 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. Your income remains protected when you are changing jobs or experiencing periods of unemployment.
• No changes to your coverage during the period you own your policy without your consent. 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 that you can protect more of your actual earnings, not just your base salary.
• Coverage when changing jobs or experiencing unemployment, thereby helping to protect your financial future during uncertain times.
• Strength, stability and reliability. RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York are built on a heritage of more than 110 years.

Ask your financial professional how you can help safeguard your future goals and dreams with a disability income insurance policy that’s right for you.

Individual vs. Employer-Paid?

Individual disability income insurance can help cover bonus and/or commission income. Employer-paid group disability income insurance generally does not.