An insurer is rolling out two new individual disability income insurance products.

RiverSource Life Insurance Company, a unit of Ameriprise Financial Inc., Minneapolis, says the products, RiverSource Income Protection and RiverSource Income Protection Plus, offer flexible waiting periods, benefit amounts and benefit periods up to age 67, along with riders offering coverage for income increases and inflation.

RiverSource Income Protection provides a benefit if a long-term illness or injury prevents an insured from working in the insured’s current occupation and not in some other occupation. It also offers a partial disability rider if income is reduced due to disability.

RiverSource Income Protection Plus provides a benefit if a disability prevents the insured from working in the insured’s current occupation, even if the insured is able to work in another line of work. Policy owners can receive partial benefits if they are unable to return to their current occupations full time.