Client brochure - RiverSource

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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 <strong>RiverSource</strong>® 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.
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Client brochure - RiverSource

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