Client brochure - RiverSource

Protect. Grow. Give.®
Insurance for a lifetime
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Protect. Grow. Give.®
Your financial priorities change at every life stage. What
meets your needs at age 25 is likely different when you
reach 55 — just as an oak has different needs as it grows
from an acorn to a sapling to a tree. Whether you’re just
starting out or enjoying retirement or somewhere in
between, we offer protection solutions that fit your evolving
needs and priorities.
When you think about achieving your long-term financial
goals, consider three important stages:
• Protect — As you start to build your financial foundation,
be sure to protect your income, which may be one of your
greatest assets.
An acorn provides a strong foundation for an oak,
just as your income and assets provide the
foundation for your lifetime financial goals. The
seed inside an acorn requires the shell’s
protection — like your income and assets require
protection — in order to grow. To thrive, an oak
needs nurturing. The same is true for growing
your income and assets: Care is needed along
the way to help ensure you reach your goals.
Once an oak matures, it gives back by producing
new acorns … which lead to new trees. You, too,
can create a legacy for loved ones and charity
through proper planning and giving strategies.
• Grow — As you grow financially more successful,
establish a sound strategy to protect and grow assets,
helping you achieve your dreams and plan for a
confident retirement.
• Give — As you prepare for or if you are in retirement,
minimize the effects of taxes, expenses and inflation on
your estate, so you can give more to loved ones and
charity.
Through RiverSource® life and disability income insurance,
you have access to a lifetime of solutions to help you protect
income, grow assets, and give to loved ones or charity.
Contact your advisor. Determine
what stage you are in, and then
start enjoying the comfort and
security that can come with having
the appropriate life and disability
income insurance.

Protect.
At younger ages or when you’re just
beginning to accumulate assets, your
ability to earn income may be your
greatest asset.
Your income is the foundation of your entire financial
future. It’s the source for maintaining your lifestyle, paying
your expenses, and achieving your goals and dreams for
the future. You need to protect your income from the
possibility that it could no longer be available due to
illness, injury or death.
Are you protecting your income?
You may be at the point in life when life or disability income
insurance can help maintain financial security for yourself
and your loved ones.
• Are you starting your career or a family?
• Do you and your loved ones depend on your income to
cover monthly expenses?
• Do you need to protect your income by adding or
increasing life and disability coverage or supplementing
employer-sponsored coverage?
• Are you interested in short-term life insurance coverage
with the opportunity to convert to permanent insurance
coverage later?
Before you purchase, be sure to ask your financial advisor
about the insurance policy’s features, benefits, risks and
fees, and whether the life insurance is appropriate for you,
based upon your financial situation and objectives.
Paul and Jen
Paul, 33, an accountant, and Jen, 31, a computer programmer, are newlyweds who recently
purchased their first home. Each has group life insurance for the amount of their salaries
through their employers. Through work, Paul has disability income insurance that would
cover just over half his salary if he became sick or injured and couldn’t work. Jen has no
disability income coverage.
Paul and Jen need both their salaries to cover their mortgage and other essential expenses.
They worry how either would cover expenses if one of them were unable to work or were no
longer here. To protect their income and lifestyle, Paul and Jen each purchase term life and
individual disability income insurance.
Hypothetical example for illustrative purposes only.

Grow.
As you grow financially more
successful, achieving your financial
goals and accumulating assets to
achieve your dreams require
ongoing attention.
Are you growing your assets?
You may be at the life stage when permanent life insurance
and disability income insurance can help build the financial
future you want for yourself and your loved ones.
• Are you established in your career?
• Do you have a growing or established family?
• Are you planning for college education, retirement or
other major expenses?
• Are you concerned about the impact of taxes or market
volatility on your investments?
Your income remains the foundation of your entire financial
future. However, you begin to have more opportunity to
improve your lifestyle, enjoy more discretionary spending,
and save more for retirement and other goals. You need a
sound strategy to diversify and grow your assets — including
protection from inflation, market volatility and taxes.
Jim and Susan
Jim, a marketing executive, and Susan, a part-time teacher, both 44, have two children. Jim has
life and disability income insurance through work, and individual term life insurance. Susan has
her own term life insurance.
Jim, Susan and their children live comfortably and have begun saving for the children’s college
education. However, they will depend on both their incomes to help with college. And they want
to bolster their retirement savings. To grow assets that will help achieve their dreams, Jim and
Susan convert their term insurance to permanent policies that will enable them to accumulate
cash value tax-deferred and still provide income tax-free death benefits.
Hypothetical example for illustrative purposes only.

Give.
In later years, as you prepare for or
enter retirement, you may wish to
leave assets to loved ones or
charities that are important to you.
Do you want to leave a lasting impact?
You may be in a time of life when, in addition to enjoying
your retirement, you can leverage permanent life insurance
to leave your loved ones a gift of financial support, or leave
assets to causes that are important to you.
• Are you in or nearing retirement?
• Are you looking to minimize the erosion of your assets
due to expenses, inflation and taxes?
• Have you thought about how you want family, friends and
your community to remember you?
• Do you want to help your spouse, children or grandchildren
maintain their lifestyle or have resources to do more after
you’re gone?
You worked hard to save for a comfortable retirement. Now
you want to protect what you’ve built and leave more to
others. Through proper management of your estate, you
can build the legacy you desire by minimizing the effects of
taxes, expenses and inflation on what you choose to leave
to others.
Edwin and Barbara
Edwin, 64, and Barbara, 63, have two adult children and three grandchildren. They recently
retired after selling a clothing store they owned for many years. They are looking forward to
traveling more with friends and family, and doting on their grandchildren.
Edwin and Barbara expect to live actively for many years. They want to create a legacy to help their
grandchildren attend college and buy homes, and leave a charitable gift to their place of worship.
They’re also concerned about depleting their assets should either one of them fall ill. However,
Edwin and Barbara are confident they’ll achieve their goals, because their life insurance policies
offer flexibility to meet their changing needs, while still providing income tax-free death benefits
for their children and grandchildren.
Hypothetical example for illustrative purposes only.

The RiverSource Story
Life has many twists and turns and we understand the importance of
balancing the need to protect what is important to you while you invest
toward your financial goals. RiverSource creates innovative products
designed with you and your life in mind. Through a balance of asset and risk
management and built on a heritage of more than 115 years, we work with
you and your advisor to help grow your assets, manage your income and
protect what matters most — today and tomorrow.
RiverSource Life Insurance Company
968 Ameriprise Financial Center
Minneapolis, MN 55474
RiverSource Life Insurance Co. of New York
20 Madison Avenue Extension
P.O. Box 5144, Albany, NY 12205
riversource.com/insurance
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Accessing policy cash value through loans and surrenders may cause a permanent
reduction of policy cash values and death benefit and negate any guarantees against lapse.
The amount that can be borrowed or surrendered will be affected by the surrender charges
applicable to the policy. Loans may be subject to interest charges. Although loans are
generally not taxable, there may be tax consequences if the policy lapses or is surrendered
with a loan (even as part of a 1035 exchange). It is possible that the amount of taxable
income generated at the lapse or surrender of a policy with a loan may exceed the actual
amount of cash received. Surrenders are generally taxable to the extent they exceed basis
in the policy. If the policy is a modified endowment contract (MEC), pre-death distributions,
including loans, from the policy are taxed on an income-first basis, and there may also be a
10% federal income tax penalty for distributions prior to age 59½.
All guarantees are based on the continued claims-paying ability of the issuing company.
Neither RiverSource Life Insurance Company, nor RiverSource Life insurance Co. of New
York, nor their affiliates or representatives, offer tax or legal advice. Consult with your tax
adviser or attorney regarding your specific situation.
Insurance and annuity products are issued by RiverSource Life Insurance Company and
in New York, by RiverSource Life Insurance Co. of New York, Albany, New York. These
companies are affiliated with Ameriprise Financial Services, Inc. Only RiverSource Life
Insurance Co. of New York is authorized to sell insurance and annuities in New York.
© 2010-2014 RiverSource Life Insurance Company. All rights reserved.