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Before you purchase, be sure to ask your sales representative about the life insurance policy’s features, benefits and fees, and whether the life insurance is appropriate for you, based upon your financial situation and objectives.

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 59-½.

This product is not available in all states.

Applies to policy numbers ICC17 113577; New York, 113578; California, 113577-CA; Delaware and Washington DC, 13577; Florida, 113577-FL; North Dakota. 113577-ND; and in South Dakota, 113577-SD.

ºÚÁÏÕýÄÜÁ¿ is affiliated with Ameriprise Financial Service, Inc. Member FINRA.

Insurance and annuity products are issued by ºÚÁÏÕýÄÜÁ¿ and in New York, by ºÚÁÏÕýÄÜÁ¿ Life Insurance Co. of New York, Albany, New York. These companies are affiliated with Ameriprise Financial Services, Inc. Only ºÚÁÏÕýÄÜÁ¿ Life Insurance Co. of New York is authorized to sell insurance and annuities in New York.