Term Life Insurance Protect your loved ones’ future with insurance that adapts to your changing needs

As life evolves, your life insurance needs may change. RiverSource term life insurance offers you the flexibility you need to change with it. If you are just starting out, term life insurance offers you an affordable life insurance solution for a beneficiary. But as life grows more complex, you may need or want to switch to a permanent policy for more long-term financial security and to pass on a legacy to those who matter most. Term life insurance has the flexibility to adapt when life changes.

What is term life insurance?

Term life insurance offers a simple, economical way to provide a tax-free payment to loved ones after you pass away. A term life insurance policy offers a death benefit for a set amount of time or term, typically 10-, 15-, 20- or 30-years. During the term period, your beneficiaries are protected for the amount of coverage you purchased. When the period ends, so does your coverage. RiverSource term life insurance policies provide:

  • Four term policy options: 10-, 15-, 20- and 30-year

  • Guaranteed premium for the term period you choose

  • Renewable coverage option: you may continue your coverage on a yearly-renewable basis after your policy’s term has ended

  • Flexibility to convert to a RiverSource permanent life insurance policy, with the same underwriting status as when policy was first issued

  • An income tax-free death benefit

  • Protection on one life

All guarantees are based on the continued claims-paying ability of the issuing company. Ask your advisor to learn more about a term life insurance policy.



Term life insurance solutions

  • RiverSource® term life insurance

RiverSource® term life insurance

  • Income tax-free death benefit on one life
  • Guaranteed premiums that will not increase for the term period you select
  • 10-, 15-, 20- and 30-year policy terms
  • Flexibility to convert to a RiverSource permanent life insurance policy
  • Renewable on yearly basis

Find out more about RiverSource term life insurance in the client brochure.


Protect your loved ones financially with a term life insurance policy available through your professional Ameriprise advisor.


41 million Americans say they need life insurance coverage but don’t have it.

2020 Insurance Barometer Study, LIMRA and Life Happens

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Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.