AdvanceSource® Rider Disclosures

The RiverSource® AdvanceSource accelerated benefit rider for long-term care has exclusions, limitations and/or reductions and is not considered long-term care insurance in some states. When you meet with your advisor, a licensed insurance agent, he or she can help review your financial situation and provide additional details about the life insurance policy and riders

This applies to rider number ICC18 114930 and state variations thereof; in New York, to 138751-NY.

This rider is intended to be federally tax-qualified long-term care insurance under Section 7702B(b) of the Code, as adopted by the Health Insurance Portability and Accountability Act of 1996 — Public Law 104-191 (herein referred to as the "Code"), and as amended from time to time.

The benefit is intended to qualify for exclusion from income within the limits of the Code. Receipt of benefits in excess of those limits may be taxable. Consult a tax adviser regarding the taxation of any benefits received. For this purpose, benefits under other contracts paying long-term care benefits are included in determining whether benefits exceed the limits imposed by the Code. Any charges for this rider that are deducted from the cash value of the life insurance contract will not be included in taxable income. The investment in the contract, however, is reduced (but not below zero) by the amount of the charge.

To be eligible for benefits the insured must be a chronically ill. Chronically ill means you have been certified by a licensed health care practitioner that you are unable to perform, without substantial assistance from another individual, at least two out of six activities of daily living for at least 90 days or due to functional capacity; or that you need substantial supervision from threats to health and safety due to severe cognitive impairment. Activities of daily living are defined as: bathing, continence, dressing, eating, toileting and transferring. In Florida, to be eligible for benefits the insured person must be chronically ill and the qualified long-term care services provided must follow a plan of care prescribed by a licensed health care provider.

In Vermont, this product is a life insurance rider that accelerates the death benefit for qualified long-term care services and is not a health insurance policy providing long-term care insurance subject to the minimum requirements of Vermont law.

In New York: benefits are payable for services provided during the 90 day elimination period retroactively; the Accelerated Benefit rider (ABR) for terminal illness will automatically be issued when a New York client purchases the AdvanceSource rider; this product is a life insurance rider that accelerates the death benefit for qualified long-term care services and not a health insurance policy providing long-term care insurance subject to the minimum requirements of New York law; the AdvanceSource rider does not qualify for the New York State Long-Term Care Partnership program and is not a Medicare supplement policy; receipt of accelerated death benefits may affect eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children and Supplemental Security Income.

A specimen policy for the RiverSource AdvanceSource rider is available by contacting your financial advisor or call 1.866.877.4390.

RiverSource Distributors, Inc. (Distributor), Member FINRA. Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. Affiliated with Ameriprise Financial Services, Inc.