Q. How do I access my contract values online?
A. Before you access your contract values online for the first time, you must register for online access. To register for access, click My Accounts on the Your Accounts screen and click Register Now. Follow the online prompts.

Q. What is the cash value and/or surrender value of my life or annuity contract?
A.Cash value represents the gross value of your contract. This amount is determined in accordance with the contract. The surrender value is the net value that will be paid in the event you request your contract be surrendered. For example, surrender values for life insurance equals the basic cash value, surplus refunds if applicable, premium refunds less any premiums due and loan indebtedness. For some products, such as the fixed annuity, surrender charges, if applicable, would be deducted from the cash value. You may wish to review your life or annuity contract for more detailed information, or you may contact your Thrivent Financial representative, call the Customer Interaction Department or complete an online customer service request form.

Q. Can I take a loan on my contract? What is the maximum loan available?
A. Generally all non-pension permanent plans of life insurance (not term life insurance or annuities) contain a contract loan provision. A loan may be taken based on the amount of cash value in the basic contract and any applicable accumulated surplus refunds. Although a loan repayment plan is not required, establishing a repayment plan at time of loan is highly recommended. Repayment restores the contract's cash value and prevents termination of the contract, which could cause tax and/or insurability consequences. We highly recommend reviewing your contract for the details of your loan provision, contacting your financial representative or calling the Customer Interaction Department to consider options and implications. To initiate a discussion, you may complete an online customer service request form or send an e-mail to your Thrivent Financial representative.

Q. What would happen if I were to surrender my contract?
A. A surrender is a cancellation of the contract and its coverage and benefits. The surrender value, for those contracts that have value, will be paid to you. There are many effects of a complete surrender. They include:

• Loss of Thrivent Financial benefit membership, if this is your only contract with Thrivent Financial.
• Loss of insurance coverage.
• Replacement with new insurance may cause new contestable and suicide periods to start.
• Possible income and penalty tax consequences.
• Surrender charges, if applicable to the contract.

Q. What is the interest rate on my fixed annuity?
A. The amount of interest credited on your Thrivent Financial tax deferred fixed annuity contract will differ based on when you purchased the contract.

If you purchased your contract before 1/1/95, interest is credited on a "portfolio average" basis. This means all account values are credited with the same rate, regardless of when the contract was issued and when premiums were paid. All values are commingled in one large asset base. The overall earned rate, or portfolio rate, of the asset base is used to determine the interest credited to your contract.

For contracts issued on 1/1/95 or after, the credited rate for new business is set on a new money basis. What this means is that the initial credited rate on new business is based on the investment rate that is currently available in the market. Since the initial rate is set on new money basis, rates will vary between contracts depending on when the contract was issued. Thus, the new money rates will move with the rates available in the economy.

The initial credited rate on the contract is guaranteed for one year. The renewal rate on these contracts, determined annually and guaranteed for one-year periods, is based on the initial investments made when the contract was issued. Thus, the renewal rate does not tend to move a lot during the first few years of the contract. Over time, new investments are made to replace the initial investments impacting the credited rate.

Q. Who is the beneficiary on my life contract, annuity contract or settlement option?
A. The beneficiary is the person, organization or estate named to receive death proceeds from a life or annuity contract or a settlement option. The beneficiary is named by the contract owner and information about who the beneficiary is can only be released to the contract owner. If you are the contract owner you can find the named beneficiary by looking in the contract unless the beneficiary was changed after issue. If a beneficiary designation change was made after issue, that change form could also be in the contract if you placed it there. If you are unsure if the contract holds the latest approved beneficiary designation, as contract owner you can contact your financial representative, call the Customer Interaction Department or complete an online service request form.

Q. Who do I contact if I have questions about my Thrivent Financial life, health or annuity contracts?
A. Please feel free to contact your Thrivent Financial representative or the Customer Interaction Department (CID) at 800-THRIVENT (800-847-4836). The CID's business hours are 7 a.m. to 9 p.m. Monday through Friday and Saturday 9 a.m. to 1 p.m., Central Time. We will be happy to help you!

Q. How can I change my address, billing, beneficiary, etc.?
A. Contact your Thrivent Financial representative or the Customer Interaction Department (CID) at 800-THRIVENT (800-847-4836). The CID may be reached from 7 a.m. to 9 p.m. Monday through Friday, and 9 a.m. to 1 p.m. Central Time on Saturday.