RiverSource Life Insurance ndiyo imwe yekambani yakadaro.
Ndiyo 18th company huru yveshuwarisi yehupenyu munyika. RiverSource Life Insurance yakange iri mune bhizimisi kwemakore anopfuura zana uye inoshandiswa zvizere neAmeriprise Financial Inc. Mari yeAmeriprise yakavakwa muna 1894 naJohn Tappan uye inotarisana neMinneapolis, Minnesota. Mazita okutanga ekambani anosanganisira Investors Syndicate Life Insurance uye Annuity Company uye IDS Life Insurance Company. American Express Co. yakatenga IDS muna 1984. Kambani inopa ruzere rwakakwana rwekutsvaga uye mari yehupfumi, kusanganisira upfumi hwekutarisira, annuities, kuronga basa rekushandira pamwe nemishandiro yveshuwarenzi.
Ameriprise Financial yakava kambani inotengeserana pachena muna 2005 uye ndeimwe yepamusoro ekugadzirisa masangano emari muAmerica Ameriprise yakarongwa nhamba nhamba 248 muHurune Fortune 500 rwandu rwemabhizimisi makuru eUnited States maererano nemari. Kambani yemubereki inoshandisa mazita matatu emhando yezvibereko zvayo kusanganisira Ameriprise Financial, Columbia Management uye RiverSource.
RiverSource Life Insurance inotengesa uye inoshandisa inshurensi yehupenyu hwekambani, annuities uye mishonga yeupumisi yemishonga inshuwarheni.
Mari Yekugadzikana uye Bhizimisi Bhizinesi Bureau Rating
RiverSource Life Insurance Company yakagamuchira zvikwereti zvakakwirira kubva kumabasa ekutarisa mari AM Best, Moody's Investor Service uye Standard & Poors.
Hezvino nzira idzi dzehutano hwehupfumi dzakaratidza RiverSource Life Insurance:
- AM Best -A + (Superior) ane maonero akasimba
- Moody's Investor Service -Aa3 (Yakanaka) nechitarisiko chakasimba
- Nhamba & Nhamo (S & P) -AA- (Yakasimba Kwazvo) ine maonero akasimba
Hakuna RiverSource Life Insurance Company kana ikambani yemubereki, Ameriprise Financial, ndiyo Business Business Bureau yakagamuchirwa. Kunyange zvazvo kambani isina kutsvaga kubvumirwa kweBBB, kambani yeBBB inonzi A +. Kwemakore matatu emakore maive nemakwikwi makumi mapfumbamwe nemakumi matatu akanyorwa munzvimbo dzezvigadzirwa kana basa, kubhadhara, nekutengesa zvinhu. Zvose izvi zvikwangwani zvakagadziriswa uye zvino zvavharwa.
Life Insurance Products
At RiverSource Life Insurance Company, unogona kutenga zvitatu zvikuru zvemishuwarenzi yeupenyu:
- Utano wemazuva ehupenyu . Izwi rokuti inishuwarenzi yehupenyu huripo inopa mubhadharo-musero-pasina rufu rubatsiro. Iyo mitemo inosanganisira munhu mumwe uye inowanika mumutambo wemakore 10,, 15, kana 20. Nezwi rokuti mararamiro ehupenyu, iyo yeruzhinji inotsigirwa pamusoro peshoko remutemo uye iwe unewo sarudzo pakupera kwemukati wematongerwo ekutendeukira kune inshuwarisi yeupenyu husingaperi.
- Universal inshuwarisi yeupenyu . Zvose zvakasikwa ndezvehutano husingaperi hunofukidza munhu pane hupenyu hwake hwose. Nheyo yacho inogona kuunganidza mari yemari, iyo iwe unogona kukwereta pamusoro pemari-isina mutero. Zvimwe zvikamu zvepurogiramu zvinosanganisira mari-yekusunungurwa-isina kubhadhara kufa kwevatsigiri, chisarudzo chisingaregi chechibvumirano, uye chidimbu chinotarisirwa chichigadziriswa.
- Variable inshuwarisi yehupenyu hwepasi rose. Shanduko yekushandura yehupenyu hwehupenyu hwehupenyu hune hupenyu hune hupenyu hunotipa humwe hutano hwe inshuwarisi yeupenyu husingagumi uye uchikupa mukana wokuti iwe uwane mari mumusika Iyo inoripira inopa mari yemutero-isingabhadharwi yekufa, kubhadhara kufa kwekubatsira uye premium, mitero-yakasimudzirwa kukura, uye mune dzimwe nguva, kubhadhara mutero-kusina kubhadhara mari inodiwa mari.
Annuity Products
- Annuities Variable . Annuities akasiyana-siyana anopa kukwidzika kwekugadzirwa kwemashamba. Vanogona kuchengetedza kubhadhara mari yako yekusimwa uye kupa hutano huripo hwehupenyu hwose.
- Fixed Index Annuities . Fixed index annuities inowana chikwereti, kusvika kune cap, yakabva pamusika kushanda kwezvikwereti. Kunyange kana mutengesi unoita zvisina kunaka, kufarira kwako kunonzi hakuna kumboenda kune zero iri pasi apa.
- Fixed Annuities . Unopa hutachiwana hwekudzoka apo uchidzivirira mukuru wako. Iwe wakavimbisa kukura uye chikwata chekuda chekuita zvisinei pasinei nemamiriro emisika.
- Annuities Immediate . Nekukurumidza gore, iwe unogona kuwana mari yakakwana yemari yehupenyu hwako hwose kana kwehuwandu hwehuwandu hwenguva.
Kuwana Quote
Kubva paWorldSource Life Insurance Company webhusaiti, unogona kuwana tsananguro inokurumidza ye inshuwarisi yehupenyu kwenguva refu, TrioSource (RiverSource's universal life insurance product) kana inshurensi yekuchengetedza kwenguva refu. Kuti uwane inshuwarano yehupenyu, iwe uchabvunzwa mibvunzo yakawanda yevanhu pachavo yakadai sezuva rokuberekwa, gender, mamiriro ekugara, kushandiswa kwefodya, nzvimbo yehutano, uye kubhadhara mari yaunoda kutenga. Nekutsvaga kwekutsvaga kwekutsvaga, unoona migumisiro ye 10-, 15-, uye makore makumi maviri ematongerwo ematongerwe emakore. Kuti uite kutenga kwekupedzisira, iwe unofanira kutaurirana neAimeriprise wezano remari.
Pros uye Cons
Pros
- Iyo kambani ine hupfumi hwehupfumi nehutano hwakanaka hwevashandi.
- Iyo webhusaiti inoshandiswa uye inobatsira inowanikwa nyore nyore paIndaneti uye pamusoro pefoni.
- Kuburikidza neAmeriprise Financial Inc., unogona kutarisira zvose zvako zvekubhadhara mari mune imwe kambani.
Cons
- Cash kukosha kwehupenyu hwehushandi hwehupenyu hwe inshuwarisi yehupenyu hahuvimbiswi.
- Pakave nekushungurudzwa kwevatengi vashoma munzvimbo dzebasa uye kubhadhara.
- Iko kushandiswa kwehupenyu hwehutano inshuwarisi yehupenyu hahuwaniki mune zvese zvese.
Contact Information
Unogona kuwana ruzivo rwezvemishonga yemishuwarenzi yehupenyu inowanika kuburikidza neWorldSource Life Insurance Company webhusaiti, uchishandisa muenzi wenzvimbo panzvimbo yewebsite kana kudana (800) 257-8740, 8 am kusvika 5 pm, Central Standard Time, Muvhuro kusvika Chishanu.