AdvanceSource Rider

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Help preserve your assets from costly chronic care expenses

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

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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

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.

Find an advisor

View important information about the RiverSource AdvanceSource rider.

default

AdvanceSource Rider

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

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.

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

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.

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

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.

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

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.

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

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.

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource brochure

See brochure

Outline of Coverage

View document

Oregon Surrender Charge Schedule

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

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.

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

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.

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

See brochure

Outline of Coverage

View document

 

 

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.

Find an advisor

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.

Longtermcare.gov, U.S. Department of Health and Human Services 2019

RiverSource AdvanceSource rider

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Outline of Coverage

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View important information about the RiverSource AdvanceSource rider.

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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.

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