Client brochure - RiverSource

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.