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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
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.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
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.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
new-hampshire
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
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.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
new-mexico
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
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.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
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.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource brochure
Outline of Coverage
Oregon Surrender Charge Schedule
RiverSource AdvanceSource brochure
Outline of Coverage
Oregon Surrender Charge Schedule
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
tennessee
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
wyoming
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
alabama
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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.
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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.
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
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.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
district-of-columbia
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
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.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
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.
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.
70% of people over 65 will need long-term care services at some point.
RiverSource AdvanceSource rider
Outline of Coverage
RiverSource AdvanceSource rider
Outline of Coverage
View important information about the RiverSource AdvanceSource rider.
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
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
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.
ICC21 116808
idaho
Talk to an advisor
Talk to an Ameriprise advisor to discuss how RiverSource solutions can help you. Don’t have an advisor? Find one who is right for you now.
View important information about the RiverSource AdvanceSource rider.
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AdvanceSource Rider
advancesource-rider