I would be very, very selective about who I bought this from. You want a company with the highest creditworthiness and with a good track record of paying out when indicated. There have been companies I will not name who have had extremely public issues with trying to avoid paying legit claims (think class action lawsuits, insurance regulators taking action, etc.). If you ever actually need the payout, you probably will not be in a position to squabble with your insurer (for years).
I would skip Riversource, which I presume is part of Ameriprise (insert Slideshow Bob shiver). Instead, do get quotes from Northwestern Mutual, MassMutual, Guardian, and maybe USAA (not sure if USAA is still in the business).
"All animals are equal, but some animals are more equal than others."
- George Orwell