Log in MENU Home Retirement and Protection Protect What Matters Most Protect what matters most How can I take care of what's important to me? Life is full of unexpected events. To leave the legacy you wish, it’s important to prepare for what the future brings, so you can leave as much as possible to the people you love and the causes that matter to you. Prepare a legacy to leave behind Provide a lasting gift with life insurance Leave a legacy with a life insurance policy that pays out a death benefit to a loved one or organizations of your choice. A life insurance policy can help you accomplish your legacy goals. Learn about life insurance Grow your legacy Variable annuity death benefits can give you the opportunity to pass on more to the people or causes you care about. Optimize what you leave to beneficiaries with a choice of RiverSource® death benefits that can help you grow your legacy – whether the markets are up or down. Learn about variable annuity death benefits Secure your legacy with long-term care coverage No one wants to think of the time when they may need to pay for long-term care costs. Preparing for these expenses now can help keep retirement savings intact to leave to loved ones and/or the causes you care about. RiverSource solutions for long-term care can help you pay for a variety of qualified services. Discuss your future needs for health care with your advisor, including residential care and how you can still leave a legacy behind. Learn about long-term care coverage Document your wishes with a comprehensive estate plan The security that comes from having your wishes legally documented can help you and your loved ones. Ensure that your heirs receive what you desire and your end-of-life wishes are granted with a thorough estate plan. Your Ameriprise financial advisor and estate planning attorney can help ensure every asset and every detail is considered. More than a third (35%) of households would feel the financial impact within 1 month if the primary wage earner died. Life Insurance Marketing and Research Association, 2018, Insurance Barometer Technical Supplement Solutions to consider Share your legacy Leave money to your children, grandchildren or a charity using a life insurance strategy that can potentially increase what you leave behind. Learn more Protect savings from long-term care expenses Protect retirement savings from long-term care expenses with RiverSource TrioSourceSM universal life insurance. Learn more Protect money for those you’ll leave behind Help optimize the legacy you leave to those who matter most with a RAVA 5 variable annuity and optional death benefit, available for an additional fee. Learn more Frequently asked questions How can I leave money to those I care about? A thorough estate plan can document the people and charities you want as beneficiaries and the specifics of what assets they will receive. Your Ameriprise advisor can help you with solutions that can help you plan and build the legacy you want to leave behind. Do I need an estate plan? Why should I consider insurance in retirement? Videos to view Play Video CLIENT STORY Real people discuss their retirement challenges. We interviewed people on the street about what concerns them most about retirement. Some common challenges include how to grow a nest egg, making sure they have enough money to live on, and leaving a legacy. (1:29) Play Video EDUCATIONAL Insurance: What needs protecting Explore the types of insurance to help protect loved ones, your income and your assets. (2:47) Play Video CLIENT STORY Plan for passion Life insurance provided comfort for James and Emily Hiter when life took an unexpected turn. Their only regret is missing the opportunity to use it to help leave a legacy. (4:06) Play Video EDUCATIONAL Insurance: How to get it Learn about the process for getting insurance. (2:40) Knowledge is power Discover information and tools to protect and grow your retirement savings. Try our helpful tools and calculators Frequently asked questions Insights Find your financial focus Learn how to plan for what's most important to you. Have Enough Money Grow My Money Tax Strategies Volatile Markets Protect My Business Plan for Future Expenses Leave a lasting gift Leave a legacy to charities and those you love. Talk to your Ameriprise financial advisor or locate one who can help. 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All rights reserved. Users of this site agree to be bound by the terms of the RiverSource Website Rules and Regulations. This information is for a general audience and is not intended to address individual financial situations or needs. RiverSource Life Insurance Company/RiverSource Life Insurance Co. of New York does not provide investment advice. Annuity and insurance products are issued by RiverSource Life Insurance Company, Minneapolis, Minnesota, and in New York only, by RiverSource Life Insurance Co. of New York, Albany, New York. Variable products are distributed by RiverSource Distributors Inc., Minneapolis, Minnesota, Member FINRA.