Indexed Universal Life Insurance

 

Upside potential, downside protection and global options

RiverSource's indexed universal life insurance suite of products provides the opportunity to grow wealth with protection from market downturns. It offers lifetime insurance protection and efficient growth of your assets through indexed-based interest crediting — without the impact of negative market returns. We have three indexed universal life insurance solutions to consider:

Core benefits of our indexed universal life insurance solutions:

  • Permanent insurance protection that can provide an income tax-free death benefit to your heirs
  • Fixed and indexed account options
  • Income tax-advantaged growth based on the interest crediting rates linked to the performance of one or more indicies
  • A source of tax-free income through withdrawals or loans (when properly structured)
  • Protection of your principal and accumulated cash value from negative market returns
  • Additional flexibility through optional riders for an additional cost

RiverSource® Multi-Index universal life insurance offers:

  • All core benefits listed above and
  • Choices in several indexed account options
  • Opportunity for higher potential interest rates over time

RiverSource® Survivorship Multi-Index universal life insurance offers:

  • All core benefits listed above and
  • Coverage on two lives
  • Choices in several indexed account options including global
  • Opportunity for higher potential interest rates over time

RiverSource® Indexed universal life 2 insurance offers:

  • All core benefits listed above and
  • Simple design using one well-known index with two crediting options
  • No Lapse Guarantee option up to age 90 or 20 years if later.

Our RiverSource indexed universal life insurance products may not be available in all states. Contact your financial advisor for more details.

For additional details on each of the product solutions, check out the materials below: