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

See brochure

Outline of Coverage

View document

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.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

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.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

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.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

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.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

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.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

Oregon Surrender Charge Schedule

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

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.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

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.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.

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

See brochure

Outline of Coverage

View document

View important information about the RiverSource AdvanceSource rider.