Long-Term Care Insurance

Protect your retirement assets from the unexpected costs of long-term care.

At least 70% of people over 65 will need long term care services at some point.1

RiverSource® insurance offers two life insurance solutions to help with long-term and extended care expenses. Both provide:

  • Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
  • Benefit payments for home care services as well as assisted living, adult daycare and nursing home facilities

Two solutions to consider:

Long Term Care icon

Universal life insurance with long-term care benefits

This solution:

  • Is ideal if you have assets to reallocate to pay a single premium
  • Gives you the option for greater long-term care benefits than a universal life insurance policy with a chronic care elder
  • Allows you to get your money back if you change your mind or your situation changes2
Learn more about RiverSource TrioSourceSM universal life insurance
Chronic Care icon

Universal life insurance with an optional chronic care rider

This solution:

  • Generally provides more emphasis on the life insurance benefit
  • Allows more flexibility around the timing and amount of premium payments
  • Provides an income tax-free death benefit to your loved ones

Learn more about our RiverSource® Advance Source® rider

Talk to an Advisor

Talk to an advisor to discuss how RiverSource solutions can help you. Don’t Have an Advisor? Find an Ameriprise Financial Advisor who is right for you.