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Term life insurance may be right for you if you:

  • Need insurance coverage for a specific duration.
  • Want level premiums that are guaranteed for a specific duration.
  • Want lower premiums than those available for permanent life coverage.

How much coverage do I need?

Click the "Get Quote" button to get started now. Remember, it costs nothing to apply!

Thrivent Financial Term Life Insurance has some important features:

  • Future insurability protection – During the initial term period, you may be able to convert to permanent coverage with no evidence of insurability. You may also have the option of renewing your contract when your initial term ends.
  • Living benefit – At no additional premium cost, you can choose to receive a present value of all or a portion of your death benefit as a lump sum while you are still alive1 if you have a life expectancy of 24 months or less as a result of a disease or physical condition.2
  • Optional premium waiver rider – Thrivent Financial will waive the premiums for your term life insurance contract, and for any optional riders included in your contract, if you become disabled under the terms of the rider. During a disability, term life insurance can also be converted to permanent coverage for which premiums will continue to be waived.2

Click the "Get Quote" button to get started now. Remember, it costs nothing to apply!


1 An administrative fee of up to $150 will be charged for exercising this benefit; the death benefit is discounted as described in the rider. Consult with your tax advisor about the potential taxable effect of receiving funds under this Accelerated Death Benefit for Terminal Illness Benefit Rider. Please be aware that if the entire death benefit is accelerated, the life insurance contract will terminate on the date the benefit is paid. Partial accelerated benefits are not allowed in Oregon.

2 In New York, Pennsylvania and Texas, benefits are available if the insured has a life expectancy of 12 months or less. Conversion at age 60 is automatic if you are disabled and the contract is on premium waiver.

Each year, Thrivent Financial works with and through our members to give back to communities by contributing millions of dollars and thousands of volunteer hours.

When you purchase Term Life Insurance, you'll support our mission of helping others. And if you're not already a member, you can apply for membership at the same time.

Click the "Get Quote" button to get started now. Remember, it costs nothing to apply!

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Getting a quote for Level Term Life Insurance is simple and fast! No cost. No obligation to apply. All fields required.
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Contract forms: L-LX-LT (09) Series; ICC09 L-LX-LT. Rider forms: LR-XW-DWP (09), ICC09 LR-XW-DWP, LR-MX-ACCB (08), LR-MX-ACCB TX (09)

 

Guarantees are backed by the financial strength and claims-paying ability of Thrivent Financial for Lutherans.

Thrivent Financial does not guarantee that it will issue a life insurance contract for all applicants.

The Thrivent Financial Level Term Life Insurance contract described briefly in this website has exclusions, limitations, reductions of benefits, and terms under which the contract may be continued inforce or discontinued. The contract will provide all costs and complete details of coverage.

Thrivent Direct is a program of Thrivent Financial for Lutherans. Insurance products issued are offered by Thrivent Financial for Lutherans, Appleton, WI. Online quotes are currently available for a limited set of Thrivent Financial products. To receive a quote for a product not currently available through Thrivent Direct, inquire about the broader range of products and services offered by Thrivent Financial, or to submit an application, contact your local Thrivent Financial representative or the Thrivent Financial Advice Center at 888-834-7428.

The Financial Advice Center may not offer the variety of products and services that can be offered by a local representative. If your situation requires a product or service not currently available through the Financial Advice Center, a Center representative can put you in contact with a local Thrivent Financial representative to assist you. Whether you purchase a product or service through a Financial Advice Center representative or a local representative, generally, there will be no difference in the fees and expenses you will incur.

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Guaranteed Conversion Privilege

The conversion privilege included on every Thrivent Financial term life insurance contract guarantees that you'll be able to convert your term life insurance coverage to permanent life insurance coverage in the future – regardless of your health at the time.

Here are a few key benefits:

  • You can convert throughout the initial term period in most cases.1
  • Your permanent coverage will be issued at the most similar premium class for which you qualified when you purchased your term coverage.2
  • You can choose from any permanent product offered by Thrivent Financial at that time.

In addition, you may be eligible to receive a credit to apply toward the premiums for your new permanent coverage when you use your conversion privilege.3

Three reasons why your conversion privilege is a valuable feature:

  1. Low-cost term coverage now when finances may be tight; permanent coverage later when you're better able to afford it.
  2. A change in your financial goals may mean you'll need life insurance coverage permanently, instead of temporarily.
  3. A health change may make the purchase of new coverage too expensive – or even unavailable.

Having the option to convert your term life insurance contract to permanent life insurance means you can provide your family with long-term coverage.

1 Coverage can continue until age 95. Once your contract is issued, death benefit is guaranteed level for the initial term period, as long as all premiums have been paid.

2 Your coverage will be convertible through the end of the initial term period or to age 70, whichever is earlier. If issue age is 65 or older, conversion is available for the first five contract years. Permanent life insurance will be issued at your age at the time of conversion and will generally be issued at the same premium class that was used for your term coverage. In the event that the same premium class is not available for the permanent coverage you choose, your permanent coverage will be issued at the available premium class that is most similar to the premium class for your term coverage.

3 Contract must be in force at least three years.

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Living Benefits

Thrivent Financial automatically offers the living benefits feature under the Accelerated Death Benefit for Terminal Illness rider on all term insurance contracts at no additional premium cost.

With this benefit, you can choose to receive a present value of all or a portion of your death proceeds while you are still alive.1 Benefits are paid as a lump sum and are available if the insured has a life expectancy of 24 months or less as a result of a disease or physical condition.2

1 An administrative fee of up to $150 will be charged for exercising this benefit; the benefit is described in the rider and will be less than what would be received upon the death of the insured. Consult with your tax advisor about the potential taxable effect of receiving funds under this Accelerated Death Benefit for Terminal Illness Benefit Rider. Benefits payable under the rider may impact Medicaid or other public assistance programs. Please be aware that if the entire benefit is accelerated, the life insurance contract will terminate on the date the benefit is paid. Partial accelerated benefits are not allowed in Oregon.

2 In New York, Pennsylvania and Texas benefits are available if the insured has a life expectancy of 12 months or less.

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Premium Waiver Rider

Thrivent Financial will waive the premiums for your term life insurance contract, as well as the premiums for any optional riders included on the contract, if you become disabled under the terms of the rider. Term life insurance can be converted to permanent coverage during a disability and premiums will continue to be waived on the permanent insurance.1

Not all riders are available in all states. Limitations and exclusions may apply.

1 Conversion at age 60 is automatic if you are disabled and the contract is on premium waiver.

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Fraternal Benefit Society

A not-for-profit organization that provides insurance to its members and operates for social, intellectual, educational, charitable, benevolent, moral, fraternal, patriotic or religious purposes for the benefit of its members and the public. These organizations operate under the lodge system, which means a member of the society is a member of a local chapter of the society. Fraternal benefit societies have representative governments, and members share a religious, ethnic, vocational or other common bond.

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What Qualifies for Non-tobacco Rates

Tobacco is defined as use of any tobacco or nicotine product (such as cigarette, cigar, pipe, chewing tobacco, electronic cigarette, nicotine gum/patch, etc).

  • If you have not used a tobacco or nicotine product within 12 months, you may qualify for standard non-tobacco rates if you qualify for standard rates after underwriting is complete.
  • If you have not used a tobacco or nicotine product within 24 months, you may qualify for preferred non-tobacco rates if you qualify for preferred rates after underwriting is complete.
  • If you have not used a tobacco or nicotine product within 36 months, you may qualify for super-preferred nontobacco rates if you qualify for super-preferred rates after underwriting is complete.

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How Much Coverage Do I Need?

One of the most important decisions regarding life insurance is the coverage amount, also known as the face amount.

An online calculator is available to help you determine your life insurance need.

When thinking about coverage, some things to keep in mind include:

  • How much of your income do you want to replace for your loved ones, and for how many years?
  • Is there any debt you would like paid off if you were to die? This may include a mortgage, credit cards or vehicle loans.
  • Do you want to leave a legacy? You may want your children to receive a college education if you should die prematurely. You may also want to make a gift to your church or favorite charity.
  • How much money would you like available for final expenses? Consider both the cost of funerals and final medical bills.
Write down what you'd like covered from the list above and add any other items you've thought of. Add these up to get an idea of the amount of coverage you may choose to apply for.

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Appleton Office:
4321 N. Ballard Road
Appleton, WI 54919-0001 USA

Minneapolis Office:
625 Fourth Avenue S.
Minneapolis, MN 55415-1624 USA


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Insurance products issued or offered by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Products issued by Thrivent Financial are available to applicants who meet membership, insurability, U.S. citizenship and residency requirements. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, a FINRA (Link opens in new window) and SIPC (Link opens in new window) member and a wholly owned subsidiary of Thrivent. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent. Fee-based investment advisory services are available through qualified investment advisor representatives only.

Trust and investment management accounts and services offered by Thrivent Trust Company are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, nor guaranteed by Thrivent Trust Company or its affiliates, and are subject to investment risk, including possible loss of the principal amount invested.

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