AdvanceSource Rider

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Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
alaska

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
arizona

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
arkansas

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
california

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
colorado

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
connecticut

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
delaware

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
district-of-columbia

AdvanceSource® accelerated benefit long-term care insurance rider overview

Help preserve your assets from qualified chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit long-term care rider enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill1.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit long-term care rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit long-term care rider, issued by RiverSource Life, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Medicare & You, National Medicare Handbook, Centers for Medicare and Medicaid Services Revised November, 2012
View important information about the RiverSource AdvanceSource accelerated benefit long-term care rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
291725-FL
florida

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
georgia

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
hawaii

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
idaho

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
illinois

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
indiana

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
iowa

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
kansas

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
kentucky

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
louisiana

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
maine

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
maryland

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
massachusetts

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
michigan

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
minnesota

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
mississippi

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
missouri

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
montana

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
nebraska

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
nevada

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
new-hampshire

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
new-mexico

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
new-york

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
north-carolina

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
north-dakota

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
ohio

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
oklahoma

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
oregon

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
pennsylvania

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
rhode-island

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
south-carolina

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
south-dakota

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
tennessee

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
texas

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
utah

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
vermont

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
virginia

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
washington

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
west-virginia

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
wisconsin

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
wyoming
default

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.1 Benefits of the AdvanceSource rider include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

A policy specimen is available upon request. Please call 1-800-862-7919. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
View important information about the RiverSource AdvanceSource rider.
1 Longtermcare.gov, U.S. Department of Health and Human Services 2016
*This brochure is authorized for use only when accompanied by the Outline of Coverage and a RiverSource single-life permanent life insurance product brochure.
291725
new-jersey

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the RiverSource® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill1. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a RiverSource insurance policy to help pay for expenses should you become chronically ill.

At least 70% of people over 65 will need long term care services at some point.2 Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

  • 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 day care and nursing home facilities
  • Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your Ameriprise financial advisor, a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by RiverSource Life Insurance Company, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

For additional details, check out the materials below:

1 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.
2 Longtermcare.gov, U.S. Department of Health and Human Services 2019
View important information about the RiverSource AdvanceSource rider.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
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.
ICC19 115240
alabama