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  Ameriprise Life Insurance

Ameriprise Life Insurance

in Life Insurance from Ameriprise

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Ameriprise Life Insurance

Unaffiliated

in Life Insurance from Ameriprise

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Financial Strength Rating A+

Ameriprise Life Insurance Review

Ameriprise life insurance is a life insurance carrier based in Minneapolis, MN. The company was founded in 1894 and offers life insurance products in 50 states (and Washington, DC).

Ameriprise life insurance FAQ

What types of life insurance products does Ameriprise life insurance offer?

Life insurance companies typically offer a wide variety of life insurance options. One of the best ways to save money on life insurance products is to avoid unnecessary coverage. Only purchase life insurance policies and riders you actually need.

Here is a brief description of life insurance options Ameriprise life insurance offers.

  • Term Life Insurance - This is the simplest type of life insurance policy. Term life insurance policies are payable if the insured person dies within a specific period of time, such as 5, 10, or 30 years. Ameriprise life insurance offers term lengths ranging from 10 to 30 years.
  • Level Term Life Insurance - These are term life insurance policies that have the same fixed premium and payment amount through the duration of the life insurance policy.
  • Decreasing Term Life Insurance- These types of term life insurance policies has fixed premiums but the death benefit decreases over the duration of the term life insurance policy.
  • Annual Renewable Term Life Insurance - Annual renewable term life insurance policies provide a constant death benefit for the duration of the term life insurance policy but the premiums are reassessed every year.
  • Whole Life Insurance - Whole life insurance policies remain in force for the policyholder's entire life, provided premiums are paid. They have a tax deferred cash value, meaning the cash value will not be taxed until funds are withdrawn.
  • Variable Life Insurance - Variable life insurance are types of whole life insurance policies where the entire cash value of the life insurance policy is invested in several accounts. Therefore, the cash value of these whole life insurance policies rises and falls depending on the performance of the investments.
  • Universal Life Insurance - This type of universal life insurance policy guarantees a fixed death benefit and an investment account. The cash value of the investment account will vary depending on the portfolio's performance.
  • Variable Universal Life Insurance - These types of universal life insurance policies provides the most flexibility when it comes to investing the cash value of a universal life policy in separate accounts with "variable" values.
  • Indexed Universal Life Insurance - These types of universal life insurance policies allows policyholders to place the cash value of the life insurance policy in a fixed account or an equity index account, such as the S&P 500 or the Nasdaq 100.
  • Single Premium Whole Life Insurance - These types of whole life insurance policies lets the policyholder makes one large payment that guarantees a death benefit without the need of further premiums.

What is the financial strength rating of Ameriprise life insurance?

The financial strength rating of life insurance companies scores its ability to pay contracts and life insurance policies. SuperMoney gives Ameriprise life insurance an A+, which is the highest available rating we give to life insurance companies.

SuperMoney's financial strength rating is primarily based on the average score from insurance rating agencies.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 10:00pm
  • Tuesday 7:00am - 10:00pm
  • Wednesday 7:00am - 10:00pm
  • Thursday 7:00am - 10:00pm
  • Friday 7:00am - 10:00pm
  • Saturday 8:30am - 7:00pm

Other Services by Ameriprise

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Financial Strength Rating A+
Life Insurance Features
  • Cash Value Loans
  • High Risk Applicants Accepted
Term Length 10 - 30
Term Life Age Range Up to 95
Term Options
  • Term Life
  • Level Term
  • Decreasing Term
  • Annual Renewable
Whole / Permanent Life Options
  • Whole Life (Traditional)
  • Variable Life
  • Universal Life
  • Universal (Variable)
  • Universal (Indexed)
  • Single Premium
Life Insurance Riders
  • Accelerated Death Benefit (Critical or Chronic Illnesses)
  • Accelerated Death Benefit (Terminal Illnesses)
  • Accidental Death or Dismemberment / Double Indemnity
  • Cash Surrender Value
  • Child Term Rider
  • Disability Income
  • Long-Term Care
  • Overloan Protection
  • Spouse Insurance
  • Waiver of Premium Due to Illness / Disability

Ameriprise Life Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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