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For retirements with open end-dates

It can be tough to predict how long your retirement savings needs to last. Will you live to age 75? Or to age 105? The right type of annuity can help.
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Next Steps

  1. We will review your request and get back to you within 24–48 hours.
  2. We will match you with a financial advisor that meets your needs.
  3. There is no obligation to buy at any time.
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What is an annuity?
If you’re planning for retirement, annuities may complement your existing 401(k) or investment strategy. Annuities combine insurance and savings into one (really useful) financial product. They can guarantee income in retirement for as long as you live.
  • Value can grow at a competitive guaranteed interest rate.
  • Benefit from the advantage of tax-deferred earnings on your annuity.*
  • Get income payments that last as long as you live when you choose lifetime coverage.

Discover the type of annuity that fits you

The type of annuity you choose should match your risk tolerance and retirement timeline.
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I want a guaranteed interest rate

Fixed annuity
Fixed annuities pay a minimum interest rate—often around 1% each year. A minimum interest rate means continued earnings. But it won't keep up with high inflation on its own.
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I want a variable rate of return

Variable annuity
Variable annuity performance will respond to fluctuations in the market. Variable annuities put you in a higher-risk environment with the potential for rewards or losses.
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I want retirement income now

Immediate annuity
Immediate annuities provide a retirement income stream that starts right away. You usually pay a one-time amount (a lump sum). In about a month’s time, you can begin receiving payouts.
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I want retirement income later

Deferred annuity
Deferred annuities provide a retirement income stream that may begin in the future. You pay once or make a series of payments over time.
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I want a guaranteed interest rate

Fixed annuity
Fixed annuities pay a minimum interest rate—often around 1% each year. A minimum interest rate means continued earnings. But it won't keep up with high inflation on its own.
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I want a variable rate of return

Variable annuity
Variable annuity performance will respond to fluctuations in the market. Variable annuities put you in a higher-risk environment with the potential for rewards or losses.
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I want retirement income now

Immediate annuity
Immediate annuities provide a retirement income stream that starts right away. You usually pay a one-time amount (a lump sum). In about a month’s time, you can begin receiving payouts.
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I want retirement income later

Deferred annuity
Deferred annuities provide a retirement income stream that may begin in the future. You pay once or make a series of payments over time.

Frequently asked questions

Annuities combine insurance and savings to help reduce the risk of outliving your retirement funds.
Why do people buy annuities?
People buy annuities to help ensure they will have enough money in retirement. This financial product is one of the few that can provide a lifetime income stream in many cases.
When should you think about buying an annuity?
You should consider buying an annuity if you’re building a retirement plan. Common times and life events that should trigger annuity consideration including nearing retirement age, having limited funds in a pension account and worrying about outliving your retirement savings.
Who should not buy an annuity?
If you’re in poor health and have a shortened life expectancy, annuities may not be right for you. Annuities can also be the wrong choice when they don’t align with your overall financial strategy or goals.
What types of annuities are available?
Annuities come in many shapes and sizes. There are immediate fixed, immediate variable, deferred fixed and deferred variable annuities. There are also options to adjust how long you receive income for. You can also decide what happens when you die. With some annuities, you'll be able to choose whether contributions are before- or after-tax. With lots of options available, it’s important to understand the basics.
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Get the details you’re looking for

Get the details on Thrivent annuities. Find rates of return, variable annuity prospectus information and investment choices.
See the interest rates for our Deferred Fixed Annuity.
See daily values and performance for the many variable annuities that we offer.
View our prospectus and learn about our Retirement Choice Variable Annuity in the reference center.
View our prospectus and learn about our AdvisorFlex Variable Annuity in the reference center.
View our prospectus and learn about our Flexible Premium Deferred Variable Annuity 2005 in the reference center.
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* Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Investing in a variable annuity involves risk, including the possible loss of principal. The prospectus contains more complete information on the investment objectives, risks, charges and expenses of the variable annuity contract and underlying investment options, which investors should read and consider carefully before investing. Prospectuses are also available from your Thrivent financial professional.

Variable annuities are distributed by Thrivent Investment Management Inc. Refer to the Thrivent Investment Management Inc. Form CRS Relationship Summary for more information about us; our relationships and services; fees, costs, conflicts, and standard of conduct; disciplinary history; and additional information. Refer to the Thrivent Investment Management Inc. Regulation Best Interest Disclosure document for information on fees, products, services, potential conflicts of interest, and additional information. Both are available upon request from your financial advisor or professional and on thrivent.com/disclosures.

Annuities are intended to be long term, particularly for retirement. Guarantees are based on the financial strength and claims-paying ability of Thrivent.

Product availability and features may vary by state.

Holding an annuity inside a tax-qualified plan does not provide any additional tax benefits.

Withdrawals and surrenders will decrease the value of your annuity and, subsequently, the income you receive. Any withdrawals in excess of 10% may be subject to a surrender charge. The taxable portion of each annuity distribution is subject to income taxation. If a taxpayer is younger than 59½ at the time of distribution, a 10% federal tax penalty will apply to the taxable portion of the distribution unless a penalty-tax exception applies.
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