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