Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from qualified chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage
• Oregon Surrender Charge Schedule

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional details, check out the materials below:

• RiverSource AdvanceSource brochure
• Outline of Coverage

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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

Help preserve your assets from costly chronic care expenses

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

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

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any RiverSource single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

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