Frequently Asked Questions | Thrivent Financial

Registration
How do I register on Thrivent.com?
To access information and complete transactions for annuity, life insurance and mutual fund products purchased through your Thrivent Financial representative, go to Thrivent.com and click "Register" link on the top-right corner of the screen. Then, follow these steps (PDF):
1. Fill in your Thrivent Member ID number and birth date. Select the "Continue" button.
2. Confirm your mailing address. Fill in your email address twice. Select the "Continue" button.
3. Create a user ID and a password. Select the "Submit" button.
4. Verify your registration is complete. Then, you may log in with your user ID and password following these steps (PDF).
How do I register on ThriventFunds.com?

To access information and complete transactions for your Thrivent Mutual Funds accounts opened online, go to ThriventFunds.com and click the "Log In" link on the top-right corner of the screen.

Do cookies need to be enabled within my Web browser?

Yes, you must enable cookies for Thrivent.com as a trusted site in order to register.

What is my Thrivent Member ID number?

Your Thrivent Member ID is located on your Member ID card, statements and contracts/policies.

What are the rules for my user ID?
Your user ID must comply with the following rules.
- User ID must be between six and 20 characters.
- User ID may not have blank spaces.
- User ID is not case sensitive.
- User ID does not allow special characters.
- User ID cannot be a nine-digit number.
What are the rules for my password?
Your password must comply with the following rules and is not case sensitive.
- Password is between eight and 20 characters and contains at least one number.
- Password allows the following special characters: ` ~ & ( ) - _ = + [ ] { } | / ; : ' , . ?
- Password must be different from your user ID.
- Password cannot contain more than three of the same character in a row.

Log In
What if I forgot my user ID?
You may request that your user ID be emailed to you online, or you can call Member Care Services at 800-847-4836 to receive it by phone. Say "Thrivent.com" when prompted.
1. Go to My Thrivent.
2. Choose the "Forgot User ID or Password" link.
3. Choose either "Forgot User ID" or "Forgot User ID and Password."
4. Enter your Thrivent Member ID number and birth date and click "Submit."
What if I forgot my password?
You may reset your password by calling Member Care Services at 800-847-4836. Say "Thrivent.com" when prompted.
1. Go to My Thrivent.
2. Choose the "Forgot User ID or Password" link.
3. Choose "Forgot Password."
4. Enter your user ID and birth date and click "Submit."
Note: Passwords must comply with the following rules and are not case sensitive:
- Password is between eight and 20 characters and contains at least one number.
- Password allows the following special characters: ` ~ & ( ) - _ = + [ ] { } | / ; : ' , . ?
- Password must be different from your user ID.
- Password cannot contain more than three of the same character in a row.
What if I got locked out, or received a "Login Failure" message?

Please call the Member Care Services at 800-847-4836 and say "Thrivent.com" when prompted. Member Care Services is available Monday to Friday, 7 a.m. to 6 p.m., Central time.

What if I don't have access to the phone number(s) or email address on file for login security purposes?

If you don't have access to the verification option(s) presented during login, you may contact us at 800-847-4836 and say "Thrivent.com" for assistance with accessing your account.

Change Password or Login Security Information
How do I change my password?
You may change your password when logged in to My Thrivent.
1. Follow the "Manage my profile" link.
2. Choose "Update Password."
3. Complete the verification code process.
4. Fill in the old and new passwords and "Submit."
What are the rules for my password?
Your password must comply with the following rules and is not case sensitive.
- Password is between eight and 20 characters and contains at least one number.
- Password allows the following special characters: ` ~ & ( ) - _ = + [ ] { } | / ; : ' , . ?
- Password must be different from your user ID.
- Password cannot contain more than three of the same character in a row.
How do I change my user ID?

Please call Member Care Services at 800-847-4836 and say "Thrivent.com" when prompted. Member Care Services is available to change your user ID Monday to Friday, 7 a.m. to 6 p.m., Central time.

How do I change my login security information?
You may change your login security information when logged in to My Thrivent.
1. Follow the "Manage my profile" link.
2. Choose "Login Security Information."
3. Complete the verification code process.
4. Update your phone number(s) and/or email address and "Submit."
Please note: This information is used for login security purposes only. To update your contact information with Thrivent Financial, go to Update personal information in Manage My Profile.

Do impacted residents of Texas have any payment and/or due date extensions as a result of Hurricane Harvey?

The state of Texas has declared a disaster effective August 23, 2017 due to recent Hurricane Harvey. Upon request, Thrivent will allow a six month extension of the cancelation/nonrenewal of contracts for non-payment of premium.

How do I pay a bill or make a payment?

You may pay online, by phone, by check or from another Thrivent Financial product. Log in to Payment Center and click on the "Make Payment" link for the contract you want to pay. For step-by-step instructions on how to make payments on Thrivent.com, download this how-to guide (PDF).

You can also pay via phone by calling the Member Interaction Center at 800-847-4836. You will need the routing number for the financial institution and your checking or savings account number.

For Thrivent Mutual Funds accounts opened online, go to ThriventFunds.com and log in to make additional purchases.

What is the payment processing cutoff time?

Your request must be made prior to 3:00 p.m. Central Standard time, on a Thrivent business day, in order for the payment to be applied that day. Payments may take up to 2 business days to post to your account. If the effective date selected is not a Thrivent Financial business day or after the daily cutoff time, it will be applied on the next available business day. Payments will only be applied on Thrivent Financial business days.

What is the Thrivent mailing address for my check and to whom do I make it payable?

Please follow these checks and forwarding instructions.

Product	Check payable to	Mailing address for new applications and checks
Thrivent Mutual Funds	Thrivent Mutual Funds	Thrivent Mutual Funds P.O. Box 219347 Kansas City, MO 64121-9347
Thrivent Financial Variable Annuities	Thrivent Financial	Thrivent Financial PO Box 8060 Appleton, WI 54912-8060
Thrivent Financial Variable Universal Life	Thrivent Financial	Thrivent Financial PO Box 8060 Appleton, WI 54912-8060
Brokerage and managed accounts	National Financial Services (NFS)	Brokerage & Advisory Services Thrivent Investment Management Inc. P.O. Box 8004 Appleton, WI 54912-8004
Financial plans (fees)	Thrivent Investment Management Inc.	Service Agreement Processing Thrivent Investment Management Inc. 4321 N. Ballard Rd. Appleton, WI 54919-8200
Non-Thrivent, nonproprietary securities products (e.g., Calvert Funds)	Name of product provider (e.g., Oppenheimer, Calvert, Lincoln National, 529 Plans)	Nonproprietary New Business Thrivent Investment Management Inc. 4321 N. Ballard Rd. Appleton, WI 54919-3700
Thrivent Financial Whole Life, Term, Health, or Universal Life	Thrivent Financial	Thrivent Financial PO Box 8060 Appleton, WI 54912-8060

Can I set up automatic, recurring monthly direct payments?

Yes, you may set up direct payments from a checking or a savings account by submitting a Direct Payment form or using online banking. Or, you may establish ongoing direct payments from another Thrivent product. Otherwise, employer billing, payroll deduction or government allotment may be established on some retirement plans.

Go to the Forms page to download an Easy Pay Enrollment form.

For Thrivent Mutual Funds accounts opened online, go to ThriventFunds.com to set up an automatic investment plan.

Can I schedule a payment on a weekend or holiday?

Yes, any payment scheduled on a weekend or holiday will automatically be applied to the next business day.

Where is my billing information?

You may view your billing information online when logged in to My Thrivent.

Select a contract number and then go to the billing tab.

How do I change my bill?

You may change your bill by phone or in writing.

Call the Member Interaction Center at 800-847-4836 to request changes by phone. Otherwise, go to the Forms page under Billing and Payments to download a form.

Can I pay the bill for my husband, wife, son, daughter or family member online through a group or third party bill?

Yes, with the exception of long-term care, you may set up a group bill for contracts if the due dates are within 10 days of each other. Go to the Forms page under Billing and Payments to download a form. Once the group bill is established, the payer may log in to Payment Center to view the billing information. Group bills may be paid online, by phone or by check.

Did you receive my check or payment?

When logged in to Payment Center you may view payments as follows: Select "Payment Activity" for the contract you want to view payments for.

Where is my payment history?

When logged in to Payment Center, you may view a history of recent payments.

Select "Payment Activity" for the contract you want to view payments for.

Can I change, edit and delete my payment?

Yes, you may edit pending online payments when logged in to Payment Center.

Select "Payment Activity" for the contract you want to edit a payment for.
Choose the "Edit" or "Delete" link.
Make and authorize the changes.

How do I pay online?

Follow the instructions below.

Log in to Payment Center.
Choose the "Make Payment" link for the contract you want to pay.
Select the payment amount and date.
Set up or select your bank account information.
Click "Continue".
Authorize your payment choosing "Make Payment"
View and print the Thank you for your payment confirmation and choose "Go to Payment Center."

Can a Special Bill Payor pay online?

Follow the instructions below.

Log in to Payment Center.
Choose the "Make Payment" link for the contract you want to pay.
Select the payment amount and date.
Set up or select your bank account information.
Click "Continue."
Authorize your payment choosing "Make Payment."
View and print the Thank you for your payment confirmation and choose "Go to Payment Center."

When will my payment be applied?

Please allow five to seven business days for check payments to be processed. It may take up to two business days for a payment to post to your account.

How do I change my premium allocation?

Premium allocation changes may be requested online (annuities only), by phone or in writing. Go to the Forms page to download a form.

How do I change my annuity allocation online?

Annuity allocation changes may be requested online (annuities only), by phone or in writing. Go to the Forms page to download a form.

What is my premium allocation?

The premium allocation describes how much of each payment is applied to each subaccount. You may view your premium allocation when logged in to My Thrivent.

Select the specific contract/account number that you want.
Select the "Allocation" tab to view your premium allocation information.

Otherwise, go to the Forms page to download a form.

Do residents of Illinois in Cook, Kane, Lake, and McHenry counties have any payment and/or due date extensions as a result of recent flooding?

The Governor of IL has declared a disaster effective July 12, 2017 for Cook, Kane, Lake, and McHenry counties due to recent flooding. Because of the order received from the Governor, Thrivent will suspend sending grace and lapse notices until September 30, 2017. On September 30, 2017 Thrivent will issue new grace notices. If you received a grace notice after July 12 and live in one of the above stated counties you can disregard the notice at this time.

In addition, any contractual due dates on life and annuity contracts that require action to be taken between July 12 and September 30, 2017 will be granted an extension of at least 60 days which will be honored upon request.

Manage Accounts
How do I update my personal information and change my address, phone number, email, church, or financial profile online?
You may change your personal information online as follows:
1. Log in to My Thrivent.
2. Follow the "Manage my profile" link.
3. Follow the "Update personal information" link.
4. Choose the "Edit" link in the field of information you need to change.
5. Fill in the current information and click "Save."
Please note: Any changes made to mailing address and email on My Thrivent will also update the same information for Thrivent Mutual Funds accounts you opened online at ThriventFunds.com.

This information is used to contact you with important information and notifications about your Thrivent Financial accounts and is separate from the phone number(s) and email used for login security purposes.
How do I change my delivery preferences, program or communication choices?
You may change your preferences online as follows:
1. Log in to My Thrivent.
2. Follow the "Manage my profile" link.
3. Follow the "Update communication choices" link.
4. Choose "Get started with eDelivery" or select your communication choices individually – "Email," "U.S. Mail," "Opt In," or "Opt Out" for each item as needed, and continue.
5. Confirm your preferences and CONTINUE.
For instructions, view the enroll in paperless delivery (PDF) instructions.

If you are a brokerage client, view how to enroll in paperless delivery (PDF) of your brokerage documents.

If you opened Thrivent Mutual Funds accounts online, go to ThriventFunds.com to change your preferences for those accounts.
How do I request a brokerage transaction or get money out of my account?

A Thrivent Financial representative may help you facilitate a trade. Member Care Services is available for brokerage account owners M – Th: 8 a.m. to 6 p.m., F: 8 a.m.to 5 p.m. Call 800-847-4836 and say "Brokerage" when prompted.

Where should I send paperwork for a brokerage request?

Most forms may be faxed to Broker/Dealer and Investment Advisor (B/D and IA) Services at 855-828-8408. For some account transfer forms, you may need to mail us the originals. Checks must be made payable to National Financial Services (or NFS).
Regular mail:
Brokerage & Advisory Services
Thrivent Investment Management Inc.
P.O. Box 8004
Appleton, WI 54912-9864

For express/overnight mail:
Brokerage & Advisory Services
Thrivent Investment Management Inc.
4321 N. Ballard Rd.
Appleton, WI 54919

How do I request an annuity withdrawal?
You may request an annuity withdrawal or partial surrender online as follows:
1. Log in to My Thrivent.
2. Select the specific contract/account number that you want.
3. Choose the "Perform Annuity Transactions" link.
4. Follow the "Partial Withdrawal" link.
5. Choose the delivery method (check or direct deposit). For direct deposit, select or add bank account information and fill in the routing number, account number, and account type as needed.
6. Fill in or select the withdrawal amount.
7. If it is a variable annuity, choose "Pro-rata" or "Specific subaccounts by dollar amount" and fill in the amount to withdraw from each subaccount as needed.
8. Select the "Continue" button.
9. Choose the amount to withdraw or receive considering the quoted withholding, charges, and/or adjustments.
10. Follow the "Modify withholding" link and change the federal or state withholding if desired and click "Recalculate."
11. Select the "Continue" button.
12. Confirm the transaction, check the box to agree to all disclosures, and select the "Submit" button.
How do I request a variable annuity subaccount transfer or reallocation?
You may request a subaccount transfer for a variable annuity online as follows:
1. Log in to My Thrivent.
2. Select the specific contract/account number that you want.
3. Select the "Allocation" tab to view your current subaccounts.
4. Follow the "Perform Annuity Transactions" link.
5. Choose "Manage Subaccounts" from the left navigation menu.
6. Select "Total reallocation by percent", "Partial reallocation by dollar amount" or "Partial reallocation by percent."
7. Fill in the new percentages for a total reallocation and check the box to change the premium allocation as needed. Or, fill in the dollar amount or percent to transfer from each subaccount and fill in the dollar amount or percent to transfer to each subaccount.
8. Scroll down and select the "Continue" button.
9. Confirm the transaction by choosing "Submit."
Otherwise, go to the Forms page to download a form.
How do I change my variable annuity premium allocation?
You may request an allocation change for a variable annuity online as follows:
1. Log in to My Thrivent.
2. Select the specific contract/account number that you want.
3. Select the "Allocation" tab to view your current subaccounts.
4. Follow the "Perform Annuity Transactions" link.
5. Choose the "Allocate future payments" link.
6. Fill in the new allocation percentages.
7. Scroll down and select the "Continue" button.
8. Confirm the transaction by choosing "Submit."
Otherwise, go to the Forms page to download a form.
How do I request a loan or distribution from my life insurance policy?

Please call Member Care Services at 800-847-4836 and say "Insurance" when prompted. Member Care Services is available Monday to Friday, 7 a.m. to 6 p.m. Central time.

How do I redeem, take money out or sell shares of my mutual fund account?
If available under your account registration, you may redeem mutual fund shares as follows:
1. Log in to My Thrivent.
2. Select the specific contract/account number that you want.
3. Choose the "Sell Request" link.
4. Choose the delivery method (check or direct deposit).
5. Fill in the dollar amount, number of shares, percent of shares or choose sell all shares.
6. Select the cost basis option, select "Estimate Gain/Loss" and click "Continue."
Otherwise, go to the Forms page to download a form.
How do I transfer or exchange money between mutual funds?
You may request a mutual fund exchange to a new or existing fund online as follows:
1. Log in to My Thrivent.
2. Select the specific contract/account number that you want.
3. Choose the "Exchange Request" link.
4. Fill in the dollar amount, number of shares, percent of shares or choose all shares.
5. Select the existing fund and fill in the account number or select a new fund into which you want to exchange.
6. Select the cost basis option, select "Estimate Gain/Loss" and click "Continue."
Otherwise, go to the Forms page to download a form
Why can't I view contracts or accounts for my wife, husband, son or daughter?

Each owner must register and log in separately in order to maintain privacy.

Why can't I view contracts or accounts for an individual for whom I have Power of Attorney?

At this time, only an owner can register and log in to view contracts and accounts. We are actively working on future online viewing capabilities for attorneys-in-fact. In the meantime, please call Member Care Services at 800-847-4836 for assistance.

How do I view my personal annuity, insurance, mutual fund or brokerage contract or account values?
You may view your contract and account values when logged in to My Thrivent as follows:
1. Go to My Thrivent.
2. Enter your user ID and password and select the "Log In" button. If you are not already registered, choose "Register Now" and follow the prompts.
3. Click the contract number to view values and other details, as needed.
For Thrivent Mutual Funds accounts opened online, go to ThriventFunds.com to view your account values.
How do I view my business or trust mutual fund account values?
You may view your business or trust mutual fund account values online as follows:
1. Go to the Business and the Trust Accounts Login.
2. Select the type of account you would like to access.
3. Select the type of mutual fund. Fill in the account number. Enter the Tax Identification Number (TIN). Fill in the Personal Identification Number (PIN). Select the "View Accounts" button.
For Thrivent Mutual Funds accounts opened online, go to ThriventFunds.com to view your account values.
How do I view my business or trust brokerage account values?
You may view your business or trust brokerage account values online as follows:
1. Go to Business & Trust Accounts Login.
2. Select the type of account you would like to access.
3. Enter your user ID and PIN. Select the "Enter" button.
4. Follow the "Access Account Details" link to view values.
How do I view my credit union account values or access online banking?

Go to Thriventcu.com (Link opens in new window) to access online banking and view your Thrivent Federal Credit Union account values.

Can I bookmark My Thrivent or add it to my favorites?

No, you may not bookmark secure Web pages with your personal contract or account information. In order to protect your privacy, you must log in each time you choose to access your accounts.

How do I view, send or delete a secure message?
Secure messaging allows you to correspond with Thrivent Financial through secure emails when logged in to My Thrivent. You may access Secure Messages as follows:
1. Log in to My Thrivent.
2. Select the "View secure messages" link near the top of the page.
3. Choose the "Compose Message" button to write a new message. Or choose an existing message and use the to "Reply," "Delete" or "View" icons as needed.
4. Close the window when done.

Annuities Transactions

What annuity transactions can I do online?

Total and partial reallocations, payment allocations, and partial withdrawals can be completed online.

Is there a cost to do online transactions?

Completing transactions online does not incur fees. For some product types, there may be contractual fees to withdraw funds or if the number of reallocations done within a contract year exceeds 12; however, the system will inform you if this impacts you.

Where can I get assistance with this?

Contact us at 800-847-4836 and say "annuity." Your Thrivent Financial representative is also available to help you with questions.

What is a payment allocation?

A payment allocation reflects how payments made to a contract will be invested. This may also be referred to as a "premium allocation."

I just did a partial or total reallocation. Can I also do a payment allocation?

Yes

I just did a partial withdrawal. Can I also do a partial or total reallocation, or a payment allocation?

If a partial withdrawal is pending, a payment allocation may still be completed online; however, to request a partial or total reallocation, please contact us at 800-847-4836 and say "annuity."

I have a variable annuity. Can I specify subaccounts on a partial withdrawal transaction?

A partial withdrawal may be allocated among specific subaccounts when there is more than one subaccount and a dollar amount is entered. If a quick option is selected, the system will automatically withdraw funds proportionately.

What should I do if I want to change or cancel a transaction I submitted online?

Transactions you submitted online can be cancelled on the Pending Transactions page. After a transaction is cancelled, you may submit a new one. Please note that variable annuity transactions received prior to market close may not be cancelled after market close.

What transactions are included on the Pending Transactions page?

Transactions displayed on the Pending Transactions page include partial and total reallocations, payment allocations, and partial withdrawals processed online. For the status of other transactions, contact Customer Service at 800-847-4836.

Why am I unable to cancel a transaction on the Pending Transactions page?

You may only cancel a transaction you are authorized to make online. For example, if your annuity has multiple owners, only your financial representative may make or cancel online transactions after speaking with all owners. For variable annuities, transactions received prior to market close may not be cancelled after market close.

Update Beneficiaries
How do I view or change my beneficiary on an annuity or insurance contract?
You may change your beneficiary online as follows:
1. Log in to My Thrivent.
2. Click on the contract number you want to view or change.
3. Select the "Beneficiary" tab to view the current beneficiary.
4. Select the "Create New" button and follow the prompts to fill in the new beneficiary.
5. Confirm the request and click "Submit."
Otherwise, go to the Forms page to download a form.
How do I view or change my beneficiary on a mutual fund account?
You may view your beneficiary online, but a form is needed to change your beneficiary.
1. Log in to My Thrivent.
2. Select the account number.
3. Choose the link to "View Beneficiaries."
4. Select "Mutual Funds Beneficiary Designation Form."
Otherwise, go to the Forms page to download a form.

View Statements & Documents
How do I view paperless statements online for annuities, insurance, mutual funds, or quarterly reviews?
You may view statements when logged in to My Thrivent as follows:
1. Follow the "View Statements & Documents" link.
2. Select the statement you want to view under the "Document" column.
3. Depending on your browser, you can choose to open your statement as a PDF or save it to your computer.
The Technical Support FAQs may help you if a statement does not open on your first attempt.

To view statements for Thrivent Mutual Funds accounts opened online, go to ThriventFunds.com and log in.
How do I view paperless brokerage statements online?
You may view statements when logged in to My Thrivent as follows:
1. In My Thrivent, select the brokerage account number link to go to Wealthscape Investor.
2. In the upper left, select "Accounts."
3. In the upper left, choose the account.
4. Go to the Documents tab.
5. Select Statements as the document type.
6. Select the document to view as a PDF.
How do I go paperless, choose email delivery, or change my delivery preferences for annuities, insurance and mutual funds?
You may view the Go Paperless (PDF) instructions or follow these steps:
1. Log in to My Thrivent.
2. Follow the "Manage my profile" link and choose "Update communication choices."
3. Choose "Email" or "U.S. Mail" for each item.
If you opened a Thrivent Mutual Fund online, go to ThriventFunds.com, log in and go to My Profile to change your Document Delivery preferences.
How do I go paperless, choose email delivery or change my delivery preferences for brokerage accounts?
You may view the Brokerage Go Paperless (PDF) instructions or follow these steps:
1. Log in to Wealthscape Investor.
2. Select the account number, choose "Service" in the menu bar and choose "Document Delivery Instructions."
3. Enter your email address twice and choose "Apply."
4. Update the delivery instructions, choose "Save This Account" and select the "I agree" button.

Conservatorship, Guardianship & Power of Attorney

Do I need court documents for guardianship or conservatorship?

If you were appointed by a court to make legal decisions for someone else, fax or mail a copy of the court documents to inform Thrivent Financial.
Mail to:
Member Care Services
4321 N. Ballard Rd
Appleton, WI 54919-0001 USA

Fax to:
800-225-2264

How do I get a guardian or conservator appointed?

An attorney may help you file a petition with the court.

Why do I need a power of attorney document?

A copy of a power of attorney document must be faxed or mailed to Thrivent Financial before you may access information and transact for someone else.
Mail to:
Member Care Services
4321 N. Ballard Rd
Appleton, WI 54919-0001 USA

Fax to:
800-225-2264

How do I get a power of attorney document?

An attorney may create a power of attorney document for you.

Why can't I view contracts or accounts for an individual for whom I have Power of Attorney?

At this time, only an owner can register and log in to view contracts and accounts. We are actively working on future online viewing capabilities for attorneys-in-fact. In the meantime, please call Member Care Services at 800-847-4836 for assistance.

Customer Account Record Mailing
Why do I receive this letter?

According to the Securities and Exchange Commission's (SEC) Books and Records Rule, we are required to ask you to review (and update, if necessary) your Customer Account Record(s) at least every 36 months. The primary purpose of Rule 17a-3 (Books and Records) is to provide regulators access to books and records to review for compliance with suitability rules. In 2001, the Securities and Exchange Commission (SEC) amended Rule17a-3 (Books and Records). The revised amendments, in part, require that broker-dealers obtain, store, maintain and return client and suitability information for all owners of securities products. See more information at www.sec.gov/rules/final/34-44992.htm (Link opens in new window).

What products does this pertain to?

The rule covers owners of all securities products purchased through a Thrivent Financial representative including variable universal life, variable deferred annuities, variable immediate annuities, variable settlement options, mutual funds, 529 Plans and brokerage products, including equities, fixed-income products, options, etc.

What is a registration?

A registration is a categorization of securities being held at Thrivent Investment Management Inc. We have 15 registrations – common to those found at most broker-dealer firms. The registrations are: Individual, Joint, Business, IRA, Roth IRA, SEP IRA, Employer Retirement Plan, 401(k), SIMPLE IRA / SARSEP, 403b, Trust, Estate, 529 Plans, Education, Custodial.

Do I need to return the form that's enclosed with the letter?

If the information is complete, correct and up to date, no response is needed. If corrections are needed, go to Thrivent.com/updateaccount and update your financial profile.

What if information is inaccurate or missing and I do not return the form?

Thrivent Investment Management Inc. is required to ask you for the most current information. If your information is incomplete, you will receive a follow-up letter. You're encouraged to provide us with the most current and accurate information to help identify and manage financial solutions that match your needs and values.

What if I don't want to disclose this information?

You are not required to provide this information. You are encouraged to provide this information to help identify and manage financial solutions that match your needs and values.

Where should I send the completed form?
You can submit changes in one of three ways:
1. Log in to your Thrivent.com/updateaccount and update your financial profile.
2. Return the form to:
  Thrivent Financial
  4321 N Ballard Rd
  Appleton WI 54913-9847
3. Fax form to: 800-225-2264.
Can I provide this information over the phone?

The fastest way to update your information is to go to Thrivent.com/updateaccount and update your financial profile. You can also contact a customer service representative by calling 800-847-4836 and saying "privacy."

There are additional owners on this account; will all owners receive the same letter?

No. The mailing is sent to the primary owner. We ask that the primary owner coordinate with the other account owner(s) to make any necessary updates or changes to the information.

For custodial accounts, the letter will be sent to the custodian or guardian of record.

How often will I receive this type of letter?

As required by the SEC ruling, we request updates periodically if there has been no activity-related review or update to your data within the past three years. Additionally, if there are changes to certain existing registration information (i.e., investment objective, risk tolerance), you will receive another letter confirming that information. You do not need to respond if all the information is accurate.

I don't want to receive these letters. May I avoid them?

No. All broker-dealer firms are required by the SEC to conduct these mailings.

These forms include personal information; what is Thrivent Financial's policy with respect to keeping personal information private?

Protecting the privacy of your information is a responsibility we take very seriously. We understand the information is personal, and we view confidentiality as critical. Thrivent Financial upholds strict standards of security to safeguard all client information. Read more information about our privacy policy.

Technical Support

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- Microsoft Internet Explorer (Link opens in new window) 11. Note: Internet Explorer must not be used in compatibility mode.
- Microsoft Edge (Link opens in new window) (most current version).
- Google Chrome (Link opens in new window) (most current version).
- Mozilla Firefox (Link opens in new window) (most current version).
- Apple Safari (Link opens in new window) 11 on macOS.
- Apple Safari on iOS 11.
For the best experience, use the following browser settings and apps:
- JavaScript enabled.
- Cookies enabled.
- Adobe Reader (Link opens in new window) (most current version).
- If your browser's security settings are set too high, you may need to enter Thrivent.com as a trusted site.
Other browsers and settings may work, but we cannot guarantee quality access.
Why am I unable to view a PDF form?
Some PDF forms may not display correctly in some browsers. To view all PDF forms on our site, Adobe Reader (Link opens in new window) should be installed. You may also need to follow additional steps to ensure quality access to PDF forms.
- Internet Explorer: All forms should display correctly with Adobe Reader installed.
- Safari: Some PDF forms may not display correctly within Safari. These forms should be downloaded to the computer (hold down the Control key while clicking the link, select "Download Linked File As," then choose a location on your computer), then open the PDF using Adobe Reader.
- Firefox: Some PDF forms may not allow you to fill them in when viewed within the Firefox default PDF viewer. After opening up the PDF in Firefox, if you are presented with the "Open With Different Viewer" button in the upper-right, click this, then choose "Open with Adobe Reader." If you do not see this button, then the PDF is already displaying properly.
- Chrome: Some PDF forms may not display correctly within Chrome. To correct this issue:
  
  Enter "chrome://plugins" in the URL address bar.
  
  Under "Chrome PDF Viewer," click "Disable."
  
  Make sure the "Adobe PDF Plug-In" is enabled.

FinanceWorks

What is FinanceWorks^TM?

FinanceWorks is a free online financial management solution offered by Thrivent Federal Credit Union and powered by Quicken that allows you to view all of your bank, investment and retirement accounts in an instant at one site.

How do I access my accounts in FinanceWorks^TM?

Log in to Thriventcu.com (Link opens in new window) and choose "FinanceWorks." Access to FinanceWorks requires an active Thrivent Federal Credit Union online banking profile.

How do I troubleshoot error or issues with FinanceWorks^TM?

Contact Thrivent Federal Credit Union by phone at 866-226-5225. Regular business hours are Monday to Thursday, 7 a.m. to 8 p.m.; Friday, 7 a.m. to 6 p.m.; and Saturday, 8 a.m. to 1 p.m., Central time.

Quicken
Can I download my brokerage account tax information into Quicken and TurboTax?
Yes, this can be done after accessing your member-specific user ID and PIN from Wealthscape Investor (Link opens in new window). If you are not already registered follow the steps below. Please contact us at 800-847-4836 and say "Brokerage" if you have questions.
1. Go to Wealthscape Investor (Link opens in new window) and click "Register Now."
2. Enter your personal information to verify your identity and click "Next."
3. Enter your Thrivent Brokerage account number and click "Next."
4. After you see the message "We've verified your Identity," click "Register."
5. Create a PIN and establish a security question and answer to help verify yourself in the future.
6. Take note of your user ID and PIN as it will be required for Quicken and TurboTax access.
Who do I contact if I have questions after I have entered my user ID and PIN into Quicken and TurboTax?

Please contact Quicken Support at quicken.intuit.com (Link opens in new window) or TurboTax at turbotax.intuit.com (Link opens in new window).

Free & Discounted Services

Identity Monitoring
How does the identity monitoring program work?
Enroll
To enroll, click on either the Experian ProtectMyID® Select button or, for the more comprehensive product, the Experian ProtectMyID® button. (You will be asked to log in using your Thrivent.com username and password. If you don't have a Thrivent.com username and password, follow the easy steps to create one. And, if you are not already a member, you may apply now.)
1. Visit website.
2. Once you've been verified as a Thrivent Financial member:
3. Access product.
When the order process has been completed, you'll receive a thank-you webpage and a link to the ProtectMyId Protection Center. You will have immediate access to this customized center, where you will be able to view your Experian credit report and start setting up various features within your membership package.

The thank you webpage and your personalized Experian Protection Center include a phone number you can use if you have questions or need to contact an Identity Theft Resolution Agent. The Experian Protection Center also includes a direct link to the Identity Theft Resolution Agents.
When does the monitoring become effective?

You will have immediate access to your Experian credit report and ProtectMyID Protection Center once you enroll in the offer. Monitoring is effective within three days of enrollment.

Do I have to be a benefit member of Thrivent Financial to enroll?

No. All members of Thrivent age 18 or older are eligible for this membership benefit. This benefit is available on an individual, NOT household, basis. Membership will be verified and confirmed prior to receiving an activation code for the Experian ProtectMyID Select product offer. Membership verification for enrollment in the Experian ProtectMyID product offering will be verified before redirecting to the Experian ProtectMyID website. No activation code is necessary for the Experian ProtectMyID product offering.

Does Thrivent Financial also get copies of my identity information or my credit report?

No, Thrivent does not receive or have access to any of the personal information that you share with Experian. Your enrollment in Experian's ProtectMyID or ProtectMyID Select does not allow Thrivent to receive or have access to any of the information that Experian ProtectMyID provides to you through their identity protection products.

Why is ProtectMyID Select only free for the first two years?

Thrivent Financial believes that identity monitoring is an important benefit and wants to provide Thrivent members with the opportunity to experience and value this benefit. From a budgetary and cost perspective, Thrivent is only able to offer this product free for a two year time period.

Can I enroll if I don't have a computer? If yes, how will I receive updates or alerts?

Experian ProtectMyID® Select is only available by enrolling online, so you will need access to a computer and an email address to enroll. Updates and alerts can be sent to an email address or via SMS text message. As an online-only product, we are able to offer this benefit in an affordable way while remaining good stewards of our funds. It would be cost prohibitive for Thrivent Financial to provide this product via multiple enrollment options to members.

If you choose the Experian ProtectMyID® plan, a phone number is available on Experian's ProtectMyID website, should you need enrollment assistance. Updates and alerts can be sent to you via text alerts, email or to your home address.

Will I receive both a credit report and a credit score with my identity monitoring membership benefit?

When you enroll you will receive an Experian credit report. You will not receive a credit score. If you wish to receive your credit score, it will be available to you for an additional discounted fee. To learn more about the differences between credit reports and credit scores, please review Experian's Credit FAQs (Link opens in new window).

Independent Living

When does the benefit become effective?

You will have immediate access to Silver Brick Road once you enroll in the membership benefit.

Do I have to be a member of Thrivent Financial to enroll?

Yes, as long as Thrivent Financial continues to offer the Independent Living benefit. However, Thrivent could change or discontinue this benefit at any time.

Can I enroll if I don't have a computer?

No. The Independent Living resource is an online-only membership benefit, so you must have access to a computer and an email address in order to enroll.

How does this membership benefit work with a long-term care insurance policy? And, does this benefit replace the need for long-term care insurance?

This membership benefit does NOT replace the need for long-term care insurance. For those members who have long term care insurance, they will want to check with their provider to understand their coverage before electing help through the "Expert Services" feature, or before contracting for health care provider services that might be listed on the "Find Services" feature.

Since the benefit is renewable annually, can a member renew as many times as he or she chooses?

Yes, as long as Thrivent Financial continues to offer the independent living benefit. However, Thrivent could change or discontinue this benefit at any time.

Thrivent Choice®

General

Should I purchase or maintain insurance or annuity products from Thrivent Financial so I can be eligible to direct Choice Dollars® or direct more Choice Dollars?

No. Thrivent Financial has many unique differences as a fraternal benefit society, including our ability to make a positive impact with members in their communities and congregations. While Thrivent wants eligible members to participate in Choice Dollars to help distribute charitable funds effectively to nonprofit organizations, you should never purchase or retain any insurance or annuity products simply to be able to direct Choice Dollars. You should only purchase and keep the insurance and annuity products that best meet the financial security needs of you and your family, considering the cost, features and benefits of particular products.

How do I opt out of the Thrivent Choice® program?

To opt out of the Thrivent Choice program, simply log in to Thrivent.com. Click on "Manage my profile" and "Communication Choices." Once there, under "My subscription and participation" locate Thrivent Choice, and click on the "No" button.

What if I have additional questions about Thrivent Choice?

Please call one of our Customer Care Professionals at 800-847-4836 and say "Thrivent Choice" when prompted.

What is Thrivent Financial's view on outreach funding?

Thrivent is a membership organization helping Christians be wise with money and live generously. We operate a number of programs to help our members express their generosity.

Our members hold a broad array of views and beliefs. Therefore, Thrivent does not take positions on or provide funding to organizations or causes whose principal purpose is to influence law, policy, church doctrine or church practice. Thrivent retains total discretion as to whether or how funds are distributed.

While not all organizations or projects are eligible for funding, Thrivent's funding decisions are not intended to diminish the importance of particular organizations or causes to our members. We encourage all Thrivent members to directly support organizations and causes they care about, regardless of whether they participate through Thrivent's generosity programs.

Choice Dollars®

Where can I see the number of Choice Dollars I have available to direct?

Log in to Thrivent.com and scroll down to the Thrivent Choice section.

Why is directing Choice Dollars a "request and recommendation" to Thrivent Financial and not really a decision by members as to how funds will be spent?

Though benefit members who are eligible to direct Choice Dollars also help support Thrivent Financial, their product ownership or volunteer leadership do not create any ownership or decision-making rights in any funds of Thrivent. No individual members have spending authority under Thrivent Choice. Thrivent is responsible to its membership as a whole as to how its charitable funds are used. Participation in Thrivent Choice is completely voluntary. Thrivent's insurance and annuity products are competitively priced, and members do not pay any additional amount to be able to direct Choice Dollars. In addition, Thrivent Choice has a fixed budget and Thrivent needs to maintain full authority to spend or not spend funds to manage its expenses.

If a member directs Choice Dollars to an organization, will Thrivent Financial definitely pay the organization the number of Choice Dollars that were directed to the organization?

No. The Terms and Conditions of Thrivent Choice clearly state that directing Choice Dollars is a request and recommendation to Thrivent Financial to provide funding to designated organizations. Accordingly, there is no guarantee or agreement that grant funds will be provided to organizations in accordance with how members direct their designated Choice Dollars. Thrivent retains total discretion as to whether or how all Thrivent Choice funds are distributed.

Why don't members qualify for Choice Dollars based on ownership of Thrivent Mutual Funds, Thrivent Life Insurance Company variable products and Thrivent Federal Credit Union products?

As a fraternal benefit society, the money we dedicate to charitable programs, such as Thrivent Choice, comes from the sale of fraternal benefit society products (Thrivent Financial life insurance, health insurance or annuities). The funds we would otherwise pay in taxes from the sale of those products (if we weren't tax-exempt) allow us to work with and through our Thrivent Member Networks and members to help others – an important part of our mission. We offer other products (mutual funds, credit union products) because they fill important financial security needs for our members, but they're not products of the fraternal benefit society. They are sold by for-profit subsidiaries, and do not generate funding for charitable programs, such as Thrivent Choice, Thrivent Action Teams or Thrivent Builds.

How do I direct Choice Dollars?

See the instructions in the How to Direct Thrivent Choice Dollars handout card. For additional information, contact your Thrivent Financial representative or call the Member Connection Center at 800-847-4836 and state "Thrivent Choice" at the prompt.

What are approximate Choice Dollars?

Approximate Choice Dollars represents our estimate of the number of Choice Dollars you will be able to help direct annually, assuming a full year of eligibility. The approximate number is estimated based on your qualifying annual billed premium amounts, qualifying contract values and qualifying Thrivent Financial leadership positions held. Approximate annual Choice Dollars may vary from the actual number of Choice Dollars designated to you, based on premiums paid, contract value and how much of the year you are actually eligible to participate in Choice Dollars.

Is there a minimum number of Choice Dollars I can direct to an organization?

Yes. You can direct a minimum of 5 Choice Dollars per organization per transaction.

Can I split Choice Dollars between organizations?

Yes. You may direct Choice Dollars to multiple organizations as long as you direct at least 5 Choice Dollars to each organization and the the organization is enrolled in the Thrivent Choice program and listed in our catalog. There are more than 35,000 national and local organizations that you can choose from.

What do the statuses of "requested" and "paid" mean on my Activity History page?

"Requested" means that you have directed Choice Dollars to the listed organization, but the requested grant has not yet been made by Thrivent Financial. "Paid" means the requested grant has been electronically paid to the organization by Thrivent. Unless Thrivent determines that the grant recommended by the member will not be made, the requested grant will be paid electronically to the organization around the 5th of the following month.

When directing Choice Dollars to organizations or congregations, can members designate the funds to be used for a certain purpose/ministry?

Through Thrivent Choice, members aren't able to designate funds to a specific purpose or ministry within an organization or congregation. All funds distributed under Thrivent Choice are exclusively Thrivent's funds, and are never owned by members or paid on behalf of members. Thrivent's charitable funds distributed through Thrivent Choice are not designated for any specific purposes.

Can I write off Choice Dollars off on my taxes?

No. Choice Dollars are not part of your income nor are they tax deductible. By directing Choice Dollars, you are recommending that Thrivent Financial donate an amount of its charitable funds to one or more nonprofit organizations. All funds distributed under the Thrivent Choice program are exclusively Thrivent's funds, and are never owned by members or paid on behalf of members.

Can I change my Choice Dollars direction?

Yes, if you do so before verifying your Choice Dollars direction. After choosing Direct Now, you will be asked to verify your Choice Dollars direction. Once you have verified, you cannot change your direction.

Can I contribute my own money to increase the impact of the Thrivent Choice program?

Yes. Choice Dollars are intended to complement, not replace, personal donations to your preferred organizations. Nonprofit organizations rely heavily on individuals, like you and your personal donations make a big difference. You can easily make an online personal donation to any organization enrolled in the Thrivent Choice program. Locate your preferred organization in the Thrivent Choice catalog. Then, on the organization details page, click on the "Make Personal Donation" button.

What happens to undirected Choice Dollars?

Eligible members have until March 31 of the following year to direct Choice Dollars they are designated. If the Choice Dollars® haven't been directed by then and there are remaining funds in the program budget, Thrivent Financial may choose to use some of the funds to further promote participation in the program or for other purposes. The goal is to get the greatest amount of eligible members involved to recommend how Thrivent's charitable funds are distributed.

Thrivent Action Teams

General
Why are associate members eligible to lead a Thrivent Action Team only once per year while benefit members may lead two?

By owning insurance products, benefit members contribute to the tax exempt funds that are needed to operate Thrivent's member activities. Allowing benefit members the opportunity to lead additional Thrivent Action Teams recognizes that contribution.

Should I purchase or maintain insurance or annuity products so I can lead more Thrivent Action Teams?

No. Thrivent Financial has many unique differences as a fraternal benefit society, including our ability to make a positive impact with members in their communities and congregations! While we want everyone to experience giving back through Thrivent Action Teams, you should never purchase or retain any insurance or annuity products simply to lead a Thrivent Action Team. You should only purchase and keep the insurance and annuity products that best meet the financial security needs of you and your family, considering the cost, features and benefits of particular products.

Where can I find my Action Team information?
Log in to My Thrivent and follow the applicable link beneath the Account Summary.
- Thrivent Action Teams: "Apply now" or "Report on my completed project"
What organizations are eligible to receive Thrivent Action Team projects?

We love when our members choose organizations or causes they are passionate about! To see if an organization is approved for a Thrivent Action Team project, you can search organizations in the Thrivent Choice® catalog. All organizations that are approved for Thrivent Choice® are also approved for Thrivent Action Teams.

How long before the start of my project should I apply?

Make sure to submit your application 17 days prior to your project start date. This will allow us enough time to review your application and send your Thrivent Action Team kit to your doorstep. While you're waiting for your kit, take the time to plan and recruit volunteers for your project.

How do I know if my Thrivent Action Team is approved?

You will receive an email within five business days indicating whether or not your Thrivent Action Team application was approved. Sometimes our emails like to find their way into your spam folder. Be sure to check there!

Why haven't I received a Thrivent Action Team email indicating I've been approved to lead my project?
- Make sure you check you email's spam folder . . . sometimes they end up there on accident!
- Sometimes our members forget to hit "submit" on their application. Check your Thrivent Action Team Center to ensure you project was submitted and is not sitting in "draft" status.
- You may have emailed your project to yourself, but you still need to take the extra step and click the "submit" button.
How and when will I receive a Community Impact Card?

The Community Impact Card is included in the Thrivent Action Team Kit. Depending on the geographical location, the Thrivent Action Team Kit will be delivered 10 to 17 days from approval of application. Please allow an additional one to five days for delivery to a P.O. Box. For those located in Hawaii or Alaska, know that we do our best to ship quickly through priority mail but it may take longer for your kit to reach your doorstep.

How long is my Community Impact Credit Card Active?

Activate the Community Impact Card as soon as you receive it! This credit card is provided to help with your approved project and expires 120 days after your project start date. Remember, if you don't use all of the funds on your card, we will reinvest the funds for other Thrivent Action Team projects!

Can I be reimbursed if I use my own money or credit card?

No. You can charge up to $250 on the Community Impact Card for expenses related to your project or activity. If you exceed this amount, or if a merchant does not accept the Community Impact Card, you will not be reimbursed for any charges you pay for with your own money, check or credit card.

To whom do I report a lost or stolen card?

Please contact a representative from Member Care Services as soon as you discover the card is missing. Call 800-847-4836, and say "Thrivent Action Team."

Who do I contact if I have questions about the Community Impact Card?

No worries! Call Member Care Services at 800-847-4836, and say "Thrivent Action Team."

Does posting a photo/story out on the Thrivent Action Teams Hub count as reporting on my Thrivent Action Team?

We would love for you to share any photos/posts you have from your project out on the Thrivent Action Teams Hub However, as part of our responsibility as a fraternal benefits society please return to www.thrivent.com/actionteam and complete Thrivent's official reporting process. This helps gives us the ability to provide this program to our generous members, just like you!

Using the Card
Do I need to activate the card before using it?

Yes! The sooner you activate your card, the better (nothing is worse than being at a store with an inactive card). To activate the card and agree to the terms of use, follow the steps outlined in the Community Impact Card Activation Instructions (Link opens in new window) (PDF). Remember: the Community Impact Card is a credit card, not a gift card, which is why you need to activate it.

How do I make purchases with the Community Impact Card?

Use it like a normal credit card virtually anywhere VISA is accepted as payment for services or products. Just like a normal credit card has spending limits, so does the Community Impact Card. Make sure you're keeping track of your purchases so that they do not exceed $250!

How do I sign for purchases?

Sign for purchases just as you would for any other credit card.

How do I use the card to make online purchases?
Enter the information as you usually would for shipping/billing addresses and phone number. Please remember to use the name on the card, such as Thrivent Action Team ####.
- Shipping Address – Enter the address where the item(s) should be shipped, if different than the Thrivent Action Team leader's information.
- Billing Address – Enter the Thrivent Action Team leader's personal address and ZIP code.
- Billing Phone Number (if applicable) – Enter the Thrivent Action Team leader's home phone number.
- Name on U.S. Bank VISA card (if applicable) – Enter the name on the card, such as Thrivent Action Team ####.
What happens if I try to use the Community Impact Card at a merchant and it's declined?
Did you activate the card? If not, follow the steps outlined in the Community Impact Card Activation Instructions (Link opens in new window) (PDF).
- The transaction amount may exceed the available balance remaining on the card. If this is the case, call the number on the back of the card to learn the available balance. (See "How can I check the available balance on my card?" below.) If the amount due at the register exceeds the balance left on the card, you must let the cashier know the exact remaining balance.
- Please be sure to check with the vendor to see if they accept VISA prior to checkout. It's possible that the merchant does not accept VISA credit cards.
How can I check the available balance on my card?

Call the phone number on the back of the Community Impact Card and follow the instructions.

Note: Once you have used the card, the available balance will appear in real time, but the current balance may not. For example, a transaction you make today goes against your available balance. However, that same transaction can take up to five days to be deducted from your current balance, depending on when the merchant posts the transaction to the account. If you have NOT used the card yet, the system will state the available balance is zero. Please be assured that there is $250 available.

How do I make a purchase that exceeds the spend limit or amount remaining on my card?

Prior to the transaction, you will need to inform the merchant of the exact available balance remaining on the card, so the merchant can apply that amount toward your purchase. If you still owe money for the purchase, please seek an alternative funding source (e.g., fundraiser, personally contribute) for the remainder of your purchase. Thrivent Financial will not reimburse you for expenses you paid with your own money or credit card.

What does Thrivent do with any unused funds from my card?

If you have money left over, your card will be deactivated and the money will be used to support other Thrivent Action Team projects. Please cut up your card and dispose of it after your project is complete.

My card was declined at a store. Why did that happen?
- Make sure your card has been activated! Check out the steps outlined in the Community Impact Card Activation Instructions (Link opens in new window)(PDF).
- The transaction amount may exceed the available balance remaining on the card. If this is the case, call the number on the back of the card to learn the available balance. (See "How can I check the available balance on my card?" below.) If the amount due at the register exceeds the balance left on the card, you must let the cashier know the exact remaining balance.
- Please be sure to check with the vendor to see if they accept VISA prior to checkout. It's possible that the merchant does not accept VISA credit cards.

Tracking Expenses

Do I need to track my expenses?

It's important to know how you spent the money you received to support your Thrivent Action Team project. As a best practice, you may want to use the card sleeve (attached inside of your kit folder) as a way to track your expenses. This will greatly help you as you make purchases to ensure you don't go over the $250 spending limit.

Do I need to submit receipts for my expenses?

No. However, please retain receipts for all purchases made on the card for up to one year, and be prepared to submit applicable receipts if there is a question about a specific charge.

Does Thrivent Financial audit card purchases?

Yes. In order to make sure the Thrivent Action Team program continues to be the generosity generating machine that it is, Thrivent Financial may perform audits of completed Thrivent Action Team projects, including card purchases.

Thrivent Builds

General

Why did Thrivent Financial and Habitat form this partnership?

As a membership organization of Christians, part of Thrivent's 's mission is to care for others. Similarly, Habitat seeks to work with organizations that share its values and want to help eliminate poverty housing. A home is the biggest financial asset most families own and it's a key ingredient to achieving economic independence. Providing decent, affordable housing is a demonstration of the organizations' values.

How is the partnership funded?

It is funded through a mix of sources: Thrivent Financial provides a significant portion of the funding needed for each of the home building and home repair projects it sponsors. Remaining funding is generated locally by Thrivent members, local Habitat offices and other volunteers from the community.

Thrivent Builds Homes
How do these houses differ from typical Habitat for Humanity houses?

From a homebuilding perspective, there is no difference. Thrivent Builds Homes are built like any Habitat for Humanity home but with a greater focus on assistance from local Thrivent members and Christian congregations. Those groups and other volunteers from the community will come together to build simple, decent homes. The homes are then sold to partner families at no profit to Habitat.

In addition to a down payment and the monthly mortgage payments, homeowners invest hundreds of hours of their own labor into helping build their home and the homes of others.

The homeowners' monthly mortgage payments are used to build even more Habitat houses.

Who will live in Thrivent Builds homes?

Families in need of decent shelter will apply to their local Habitat for Humanity office. Habitat chooses homeowners based on their level of need, willingness to become partners in the program and ability to repay an affordable loan for the cost of the home. Habitat follows a nondiscriminatory policy of family selection.

In what ways can I get involved in Thrivent Builds Homes?
You can share your time and talents in a number of ways:
- Prayer
- General office help
- Greeting volunteers on the build site
- Preparing meals
- Assisting with publicity
- Coordinating events with interested people
- Donations
- Spreading the word to friends and family
- Organizing or participating in fundraisers
- Recruiting or sharing information with people in the program
- Advocacy within your community
When will a build come to my community?

Talk with your local Thrivent financial representative.

Thrivent Builds Repairs

What types of repairs are included in the program?

A Thrivent Builds Repairs project can be light, external construction like repairing a porch or steps, landscaping, and exterior painting and weatherization such as window caulking. Constructing a wheelchair ramp is also a possible project. The end result is that neighborhoods are improved, and homeowners are allowed to stay in their homes more comfortably and safely.

Who can participate in a Thrivent Builds Repairs project?

Working with local Habitat offices, projects are organized in conjunction with Thrivent Financial representatives. Thrivent members, church members and other interested volunteers are all invited to participate. Local offices should be consulted for their guidelines on age restrictions.

How much money is provided for each Thrivent Builds Repairs project?

Each eligible Habitat office receives up to a $2,500 grant per approved project.

How are individuals selected to have their homes repaired through the Thrivent Builds Repairs program?

Homes receiving a Thrivent Builds Repairs grant are identified for preservation by local Habitat offices who are engaged with community development projects in their areas, or offices that have expanded the housing solutions they offer to include repair projects. Projects are selected by the local Habitat office, in accordance with its existing family selection process, and must meet certain criteria, including a family's need and willingness to partner. Please contact your local Habitat office (Link opens in new window) to find out if they are completing repairs projects in your area.

How can I find out about opportunities to volunteer on a Thrivent Builds Repairs project in my area?

Talk with your local Thrivent financial representative.

Thrivent Builds Worldwide

How long do Thrivent Builds Worldwide trips last, and how much do they cost?

Thrivent Builds Worldwide trips last one to two weeks. The cost depends on where you travel and how long you stay. Most trips average $100 to $200 a day and include room and board, in-country transportation and traveler's medical insurance. Airfare is additional, as is cancellation protection and baggage insurance.

How are the locations for Thrivent Builds Worldwide trips selected?

Thrivent Builds Worldwide trips only travel to host offices that meet Habitat for Humanity International's Global Village program standards, focusing on areas where help is needed and where Thrivent Financial can significantly impact building capacity for a Habitat host office.

How do I pay for a Thrivent Builds Worldwide trip?

You can pay for expenses, or you or your group can organize fundraising events, such as bake sales, car washes, walks and bike rides. In addition, each Thrivent benefit member age 16 or older is eligible for a discounted trip cost. If you are unsure of your eligibility, you can verify your status.

What other financial support does Thrivent Financial offer?

Thrivent will give a significant donation to the Habitat for Humanity host office for a future homebuilding project in the same area in which a Thrivent Builds Worldwide trip takes place. The funds will help Habitat offices build additional homes in their communities.

Thrivent will pay half of the Habitat for Humanity Global Village in-person team leader training registration fee for Thrivent members. Costs typically range from $75 to $200 per person and do not include transportation or accommodations.

Are matching funds available to pay trip costs?

For Thrivent Builds trip participants:
Your required participation fee for a Thrivent Builds Worldwide trip may be eligible for matching funds. You could also designate employer matching gifts to your trip. Visit Habitat.org (Link opens in new window) to find your company's matching gift guidelines and program contact. Also refer to the Matching Gifts sections of Habitat's Global Village payment policy (PDF) (Link opens in new window).

For Thrivent Financial representatives or employees:

Fees required to participate in a Thrivent Builds Worldwide trip are not eligible for employee gift matching. Contributions above and beyond a participant's trip costs are eligible to be matched up to your annual limit. The matching funds will benefit the Habitat host affiliate, not the individual trip participant.

Is there an age limit for participants?

Participants younger than 18 may only participate if their participation has been approved by the team leader and host office, and if they are accompanied by a parent or guardian. The minimum age for participation on a team is 16 years – or older if required by the hosting program or child labor laws. Thrivent Builds Worldwide will not sponsor any youth-group teams.

Do I need homebuilding experience or the ability to speak another language?

No. You'll be taught the skills you need and, if necessary, interpreters will be provided. If you're traveling outside the U.S., you'll need a passport. Some trips may also require a visa.

Governance & Board of Directors Election

Governance
What are the main roles of the board?
The board is responsible for the following:
- Approving a corporate mission statement.
- Selecting, evaluating and compensating the CEO and other senior executives.
- Selecting appointive directors.
- Ensuring management succession.
- Reviewing and approving management's strategic and business plans and monitoring performance against the plans.
- Reviewing and approving material transactions not in the ordinary course of business.
- Establishing policies.
What role does the board play in establishing the long- and short-term strategic direction of the organization?

The role of the board is to evaluate the long-term strategic intent and short-term strategies proposed by management, challenge the assumptions and substance of the proposed strategies, approve the strategies, monitor execution and encourage changes as events require.

How does Thrivent Financial benchmark its performance?

Thrivent has a broad range of competitors, including: other financial services companies (both stock companies and mutual organizations), fraternal benefit societies, non-profit entities and others.

How many members are on the board and what are the term limits?
The board currently consists of 14 directors (11 elective, two appointive and one principal officer). Per the articles and bylaws, the board can consist of 10 to 12 elective directors, up to four appointive directors and not more than two principal officer directors. No less than two-thirds of the directors must be elected directly by Thrivent benefit members.
- Elective Directors
  Ten to 12 elective directors, elected from among Thrivent's benefit members, serve four-year terms each. During each election year, benefit members elect three or four new elective directors.
- Appointive Directors
  The board may appoint up to four benefit members to serve as appointive directors as distinguished from directors elected by Thrivent benefit members for a one-year term. Any appointment or reappointment requires the affirmative vote of a majority of the elective directors.
- Principal Officer Directors
  The board may appoint not more than two principal officers to serve as directors.
How is the board elected?

Thrivent has a representative form of government with each benefit member's vote carrying equal weight. Each year, Thrivent chapters, Member Networks and the board of directors can nominate candidates for election to the board. Three to four board positions are up for election each year, and directors serve four-year terms.

Are the roles of Board Chair and Chief Executive Officer split or combined at Thrivent?

At Thrivent, the roles of board chair and chief executive officer are split. Frank H. (Dick) Moeller serves as board chair (he has served on the board since 2005 and has served as chair since 2013). Bradford L. Hewitt has served as the chief executive officer since 2010.

What policies govern the board?

We're committed to acting with integrity in all of our business dealings. Key governing policies include our Code of Conduct, Conflict of Interest Policy and Governance Guidelines and Principles.

How does the board operate?

Under the bylaws of the organization, the board may form a governance committee and one or more additional committees of directors. Thrivent's board conducts much of its work through its established committee structure. Committees are staffed by board members with experience and expertise needed to provide oversight of the committees' responsibilities.

Board of Directors Election Process

Who can vote in the board of directors election?

Benefit members of Thrivent are eligible to vote for the election of directors to the Thrivent Financial Board of Directors.

Who qualifies as an adult benefit member?

A benefit member is an individual age 16 or older who is (in the vast majority of cases) the insured or annuitant on an insurance or annuity contract issued by Thrivent Financial, or premerger Aid Association of Lutherans (AAL) or Lutheran Brotherhood (LB). In some cases, third-party owners of premerger AAL or Thrivent contracts or beneficiaries of settlement agreements may be benefit members. Voting eligibility does not include associate members. Election materials are sent only to benefit members.

Why can only benefit members vote for the board of directors?

This stipulation is included in our Articles of Incorporation and is true for virtually all fraternal benefit societies. Benefit members vote because they have a financial stake in the fraternal benefit society. (Note: Members holding Thrivent Mutual Funds vote for the directors of the mutual funds boards).

Why does the board of directors endorse certain candidates?

The board endorses certain candidates to assist you as you complete your ballot. The Governance Committee of the board reviews the qualifications of all nominated candidates; it also conducts peer evaluations of the incumbent candidates. The Governance Committee also looks for the skills sets and experience needed to provide the necessary oversight to this complex organization. Based on their review, and in consideration of the board's recommended qualifications, the board makes a decision as to which candidates to endorse for election. This is only a recommendation; the final choice is yours.

Who can nominate the candidates?

Chapters, including Thrivent Communities and Thrivent Member Networks, and the board of directors can nominate the candidates.

How do I determine which candidate I should vote for?

To assist benefit members in selecting candidates to elect to the board, the board of directors provides a list of recommended qualifications, which is included in the election materials. These recommended qualifications can be used to determine which candidates are qualified to serve as directors for Thrivent, a membership organization that is also a Fortune 500 financial services provider. The final decision is always with the individual voting member. Each voting benefit member has total freedom and power to vote for his or her choice of candidates.

How many candidates can I vote for?

Each year, three positions are up for election. Benefit members can vote once for up to three candidates on his or her ballot and can submit only one completed ballot.

Taxes & Cost Basis Reporting

General
What do I do if I have an error on my Thrivent Financial tax form?
Contact Member Care Services at 800-847-4836 if you believe you have an error on your tax form such as:
- Your social security number is incorrect.
- You moved and need to update an address.
- Your tax form was submitted to the state of your secondary residence, rather than your primary address.
- The amount reported on the Form 1099 is incorrect
What is a required minimum distribution (RMD) and will it be taxed?

In general, the IRS requires you to start taking a minimum amount from your qualified retirement accounts starting with the year you turn age 70½ to ensure the money you've saved is used for what it was intended – to fund your retirement.

Your RMDs are typically taxed as ordinary income in the years you receive them. Unless you specify otherwise on your election form, 10% of your distribution will be automatically withheld as prepayment of federal income tax. (State withholding may also apply, depending on the product(s) you own and the state where you live.)

Will I still get a paper copy of my Form 1099 if I'm signed up for eDelivery?

No, if you sign up for eDelivery you will no longer receive a paper copy. This is true for life, health and annuity products as well as brokerage. Mutual funds and Brokerage are treated separately and the eDelivery signup in "Communication Choices" does not apply at this time.

Why is a 2016 contribution that was made in 2017 for a SEP or SIMPLE IRA included in contribution totals on the 2017 Form 5498 and not on a 2016 Form 5498?

It is an IRS requirement that all contributions to a SEP or SIMPLE IRA be reported on the Form 5498 for the year they are actually deposited to the account, regardless of the year for which they are intended. It is the SEP/SIMPLE IRA owner's responsibility to report to the IRS for the year in which the contribution should apply.

Mutual Funds

For tax information about Thrivent Mutual Funds, please visit ThriventFunds.com.

Annuities
Why did I receive a tax form for funds received on a death claim?

If you received proceeds from an annuity contract, the amount reported on Form 1099-R represents your share of the taxable gain of the contract, and the amount reported on Form 1099-INT represents accrued interest.

I didn't receive any money from Thrivent. Why did you send me a 1099-R?
Qualified Annuities:
- A direct rollover where the plan type was changed will generate a Form 1099-R – for example, a 401(k) to IRA or 403(b). This is reportable, but not taxable.
- A conversion from a traditional IRA to a Roth IRA is a taxable event.
- A recharacterized IRA contribution or a recharacterized Roth IRA conversion is a reportable event.
Nonqualified Annuities:
- A 1035 exchange to another company or contract will generate a Form 1099-R. This is reportable, but not taxable.
- A taxable distribution – for example, a partial withdrawal – that was applied to another contract as a loan or premium payment will generate a Form 1099-R.

Insurance

What is cost basis?

Cost basis as it relates to insurance contracts is generally the amount of life premiums paid, minus any previous nontaxable distributions

What qualifies as a taxable gain with a life insurance contract?

Most life insurance benefits are distributed to beneficiaries at the time of death and are not taxable. Proceeds paid, other than by reason of death of the insured, are taxable once you have exceeded the premiums paid into the contract (cost basis). A modified endowment contract (MEC) reports any growth in the contract at the time of the distribution

Are insurance contract loans taxable?

In general, a loan can be taken against a life insurance contract without tax consequences unless the contract is a modified endowment contract (MEC). MECs report any growth in the contract at the time of the distribution. If a loan is not repaid, the loan may equal the cash value in the contract and the contract will lapse. Any tax gain is reported at the time of lapse.

Do I need to pay taxes on life insurance contract dividends?

Dividends (regardless of the dividend option) may be treated as amounts received by the contract owner and are therefore potentially taxable. Some exceptions apply for MECs. Please contact your Thrivent Financial representative or call Member Care Services at 800-847-4836 regarding your particular situation.

Why did I receive a tax form for funds received on a death claim?

If you received proceeds from a life insurance contract, the amount reported is accrued interest.

Are lump-sum death benefits from a life insurance policy taxable?

Lump-sum death benefits paid to the beneficiary/beneficiaries are typically not taxable. Only the amount paid above the value at the time of death is taxable as it is considered accrued interest.

Are installment payment benefits from a life insurance contract taxable?

Installment payments on death benefits paid to the beneficiary/beneficiaries are typically not taxable. Only the amount paid above the value at the time of death is taxable as it is considered accrued interest.

Are disability insurance benefits taxable?

Whether the benefits you receive from disability income insurance are or are not taxable depends on what type of benefits you receive, whether the premiums were paid with pretax or after-tax dollars, and who paid the premiums – whether it's you or your employer.

Are long-term care insurance benefits taxable?

You may want to check with your tax advisor to determine what impact your long-term care claim benefits have on your tax situation.

Am I required to pay taxes on life insurance interest?

Interest that is paid above the value at the time of death is taxable.

How can I find information about premium history?

Premium history is accessible on Thrivent.com and can be printed for easy access. To view, log in to My Thrivent. Once logged in, click on the product the information is needed for. Click on the "Payment Tab" and then the printer friendly button. Scroll down to see the payment information.

Is my premium tax deductible?

To find out whether premiums on a health insurance contract are tax-deductible, please refer these questions to your tax advisor.

Brokerage
- Cost Basis Reporting
  What is cost basis?
  
  Simply put, cost basis is the original price of an investment and is used to calculate capital gains or losses for tax purposes. It includes shares purchased by check, Automated Clearing House (ACH) or wire, exchanges into an account, and reinvested dividends and capital gains. Please note that cost basis is not a substitute for performance information for an investment.
  
  What is the difference between long-term and short-term holding periods?
  
  The holding period is used to determine the tax rate that applies to any capital gains from the sale of shares.
  
  Long-term periods apply to shares owned more than one year. Lower capital gain tax rates apply to long-term capital gains.
  
  Short-term periods apply to shares owned one year or less. Ordinary income tax rates apply to short-term capital gains.
  
  What is a wash sale?
  
  A wash sale is a sale of a security – stock, bonds or options – at a loss and buying a replacement stock that is the same or substantially similar within 30 days before or after the sale.
  
  Why is cost basis reporting required?
  
  The requirement is part of the Emergency Economic Stabilization Act that was intended to improve compliance with tax laws and raise revenues to fund the Troubled Asset Relief Program (TARP), which is sponsored by the U.S. Department of the Treasury. Specifically, the legislation requires an expansion of the current reporting on IRS Form 1099-B.
  
  What types of investments are affected by the new cost basis reporting requirement?
  
  The new regulation impacts equity securities, mutual funds and debt securities purchased on or after the effective dates listed earlier. It does not affect annuities, life insurance, money market fund accounts with a stable net asset value (NAV), retirement accounts or Coverdell Education Savings Accounts.
  For cost basis purposes, shares will be classified as "covered" or "noncovered".
  
  "Covered shares" are shares purchased on or after the effective date for which cost basis information is provided to you by the broker/mutual fund company.
  
  "Noncovered shares" include shares purchased before the effective date and shares purchased on or after the effective date for which cost basis information is unavailable. The information may be unavailable because the broker/mutual fund company does not have sufficient information to track the cost basis. Cost basis information on noncovered shares is not required to be provided but may still be provided to you (but not the IRS) for your information. You can choose to use cost basis information provided on noncovered shares or calculate your cost basis on your own.
  
  When will I be required to use the cost basis information provided on my tax returns?
  
  You (and the IRS) will receive cost basis information for all of your covered shares on Form 1099-B. When available, you may receive cost basis information, either on Form 1099-B or a separate cost basis statement, for noncovered shares purchased prior to the effective date. Cost basis information on noncovered shares will not be provided to the IRS. You should always use Form 1099-B to complete your tax return for covered shares. Information from other sources can change due to cost basis adjustments that may occur from other activity in your account. As stated previously, you can choose to use cost basis information provided on noncovered shares or calculate your cost basis on your own.
  
  Can I use a different cost basis method for a specific transaction in my account held at NFS?
  
  For managed and retail brokerage accounts held at NFS, you cannot override the cost basis method designated for your mutual fund positions.
  
  Will cost basis information always be available?
  
  Cost basis information will be provided most of the time. Certain situations exist, however, where it may not be available. If you have cost basis information available, you can provide it to us so we can add and track it going forward.
  
  What if I own shares of the same issuer in multiple accounts?
  
  Form 1099-B will provide you with separate cost basis information for the covered shares in each separate account. It is the shareholder's responsibility to make appropriate cost basis adjustments due to activity for the same security held in multiple accounts. For more information, please see IRS publications 551 – Basis of Assets, or consult your tax advisor.
  
  Can my Thrivent Financial professional help me determine the best election method?
  
  No. Thrivent Financial professionals can explain the requirement and the various election methods, but they are not allowed to recommend a specific method. Because this falls into the area of providing tax advice, you should consult your tax advisor for help with selecting your election method.
  
  Can I use something other than average cost on my mutual funds held at NFS?
  
  Yes, you can use any of the available cost basis options. The method you choose, however, will also be the method used on equity and debt securities. The cost basis regulations apply to debt securities that are purchased on or after Jan. 1, 2014.
  
  I am receiving inherited shares or gifted shares into my account. Will these shares have cost basis information?
  
  It depends on when the shares were purchased. If they were originally purchased by the owner before the effective date for cost basis reporting, these shares are noncovered shares. If cost basis information is available, it will be provided only to you and not to the IRS; you can choose if you want to use this information on your tax return.
  If the shares were purchased on or after the effective date, cost basis information will be available for these shares. Please note that you are not allowed to use the average cost method on gifted shares unless you agree to use the fair market value of the shares at the time of the gift as the cost basis for those shares.
  
  If I transfer my account to or from NFS, will cost basis information be available?
  
  It depends on when the shares were purchased. If the shares were originally purchased by the owner before the effective date for cost basis reporting, these shares are noncovered shares. If cost basis information is available, it will be provided only to you and not to the IRS; you can choose if you want to use this information on your tax return.
  If the shares were purchased on or after the effective date, cost basis information will be available for these shares. Please note that you are not allowed to use the average cost method on gifted shares unless you agree to use the fair market value of the shares at the time of the gift as the cost basis for those shares.
- Using TurboTax® & H&R Block for NFS brokerage accounts
  Thrivent Brokerage has worked with Intuit Inc. to provide an easy download into the TurboTax tax preparation desktop software and TurboTax for the Web service for the information reported on 1099 tax forms for Thrivent Brokerage Accounts. Please go directly to the TurboTax website (Link opens in new window) to order software or access the Web version.
  
  Thrivent Brokerage has also worked with H&R Block to provide an easy download into the H&R Block tax preparation software.
  Which forms are available?
  
  Data import is available for Thrivent Brokerage Account Forms 1099-B, 1099-DIV, 1099-INT, 1099-OIR and 1099-R. In TurboTax, select "National Financial" for Thrivent Brokerage Accounts (National Financial is the custodian for Thrivent Brokerage Accounts). In H&R Block, select "National Financial Services" for Thrivent Brokerage Accounts.
  Tax forms are available to download after January 31 and when the tax forms are available online.
  
  What if I need help importing my data into my tax return?
  
  See the Frequently Asked Questions on the TurboTax or H&R Block website. If your questions aren't answered there, please call Member Services at 800-847-4836.
  
  What do I need to do to use TurboTax or H&R Block?
  
  You will need to be registered with Wealthscape Investor to import your data.
  
  For Thrivent Brokerage (National Financial) Accounts, you will need to do the following:
  
  Go to Wealthscape Investor (Link opens in new window) and click "Register Now." Follow the prompts to complete the registration process. After you see the message "We've verified your Identity," click "Register."
  
  Create a PIN and select a security question. Take note of your user ID and PIN as it will be required for TurboTax and H&R Block access.
  
  If you can't find your user ID and PIN, follow the registration instructions above or call Member Care Services at 800-847-4836; say "Brokerage," and a representative will help you reset your PIN. You may then use the Forgot/Reset My PIN options at Wealthscape Investor (Link opens in new window) to establish a new PIN.
  
  Note: Once the registration process is complete (on either site) you will need to wait at least 15 minutes before logging in to TurboTax or H&R Block.
  
  How many transactions can I import?
  
  TurboTax for the Web^SM supports the importation of up to 500 Schedule D transactions. If you have more than 500 Schedule D transactions, you may want to use the TurboTax desktop version. The TurboTax desktop version supports up to 3,000 transactions.
  
  Can I import data for all accounts, including gain/loss information on redemptions?
  
  The TurboTax & H&R Block data import feature will import all of your accounts with matching Social Security numbers. If cost basis information is available to you on your Form 1099-B, it will transfer with this feature into your TurboTax® 1040 tax return or H&R Block return. At this time, you cannot import accounts registered to a business, trust or to children under age 16.
  Thrivent Financial and its representatives and employees cannot provide legal, accounting, or tax advice or services. Work with your Thrivent Financial representative and, as appropriate, your attorney and tax professional for additional information.
Can I find tax information online about my brokerage accounts?

Tax information for brokerage accounts is available online through Wealthscape Investor, under "Documents." If you are registered on Thrivent.com and do not have Wealthscape Investor access, please contact us at 800-847-4836 and say "Brokerage" to request access.

If you'd like to receive electronic delivery notification of your brokerage tax forms, you can sign up for eDelivery through Wealthscape Investor by following the instructions in the Brokerage Go Paperless (PDF) brochure. With eDelivery, you will not receive a mailed copy.

When can I expect to receive my 1099 for my brokerage account?

National Financial Services (NFS) will make most 2017 tax forms available online in late January through mid-February 2018. They will be mailed within 5 business days after they are available online.

Who do I contact if I cannot locate my User ID and PIN?

You have several options. You can follow the "Register Now" instructions above to access your ID and reset your PIN or you can call Member Care Services at 800-847-4836 and say "Brokerage". A representative will verify your information and provide your ID. You may then use the Forgot/Reset My PIN options at Wealthscape Investor (Link opens in new window) to establish a new PIN.

Medicare Supplement Insurance

Do I need to file a claim or complete a claim form with Thrivent Financial?

No. In most cases, health care providers will file the claim with Medicare, which in turn files an electronic claim with Thrivent Financial.

However, if you do not receive notice from Thrivent within three weeks of your receipt of an Explanation of Medicare Benefits (EOMB) from your health care provider, submit to Thrivent a billing statement from the health care provider, along with the corresponding Medicare Summary Notice.

Is there a time limit for filing a claim?

Claims should be filed as soon as reasonably possible. In most states, claims must be filed within one year from the time proof of loss is required, unless there are extenuating circumstances.

Do my hospital stays need to be pre-certified?

No. Thrivent Financial Medicare Supplement Insurance contracts do not require pre-certification for inpatient hospital stays.

What information will I receive when Thrivent Financial processes a claim?

You will always receive a claim payment summary. The summary includes important information such as the provider, the date and description of service, and the amount paid by your Thrivent Financial Medicare Supplement Insurance contract.

Church & Institution Financing

What is the loan process for churches and institutions?

You can begin the loan process by calling us at 800-984-9425. This way, we can discuss your particular situation prior to receiving your loan application. You'll then submit your application to the Church & Institution Financing department as directed on the loan application form.

Once we receive your application, we will underwrite the loan and, upon approval, will send the congregation a formal letter of our commitment to provide the loan. Typically it takes about two weeks to complete the underwriting process and to issue the formal commitment to your church or institution.

After that, the timeline depends on the specific requirements needed to close the loan. For example, most loans require a borrowing resolution to be approved by the congregation, so you will need to do that in accordance with your constitution and by-laws. Once we receive all the specific closing requirements, it takes about two weeks to review the items submitted, prepare the loan documents and schedule the closing. These timeframes are estimates and may vary based on the nature of the project.

How do I compare our Thrivent Financial loan offer with other lenders?
It can be difficult to get an "apples to apples" comparison since lenders' terms and conditions vary widely.
However, Thrivent will gladly work with your institution to help evaluate your choices. Our goal is to help you and your congregation find the product that best suits your needs. Ask the following:
- What is the term of the loan (the date the loan matures, not the length of the amortization)? Few lenders offer a term longer than three to five years and may charge additional fees to renew the loan.
- How long is the initial interest rate fixed? What are the terms of the rate reset?
- What are the initial fees? Are there additional fees during the life of the loan if changes are made?
- Are there prepayment penalties?
- Are there late payment charges?
- Will there be a "balloon" payment?
- There may be other things unique to your situation. Contact us at 800-984-9425 to discuss these at any time.
How are Thrivent Financial's church loan rates determined?

We base our rates on a number of factors, including relevant treasury securities, commercial mortgage-backed securities markets, overall market volatility and various risk parameters. The rates are not tied to one specific metric and typically do not fluctuate daily or with every change in the market. However, they are reviewed on a periodic basis and adjusted as necessary.

Our goal is to offer favorable rates while delivering on our commitment of investment return for our members. As a not-for-profit entity that gives back to the Christian community through fraternal operations, Thrivent Financial does not have the added margin of profit or overhead built into pricing that other financial institutions typically do.

Who do I contact with questions about a church or institutional loan?

Our Church Loan representatives are happy to help with any questions related to financing for your church or institution. To reach a Church Loan representative, call 800-984-9425, Monday to Friday, 7 a.m. to 5 p.m., Central time or email churchloan@thrivent.com.

Can we pay off or pay down the church loan early without a penalty?

The congregation may make payments in addition to the required monthly payments, without penalty, provided the funds did not originate from another lender. Prepayments will be applied immediately to the balance of the loan and they shorten the term of the loan. Regular monthly mortgage payments are not reduced unless specifically requested by the congregation. A prepayment penalty may apply when funds originated from other lenders and/or any other external sources are used.

How do I make a church loan payment? What is the easiest way?
Church loan payments can be made one of two ways:
1. Church loan payments can be mailed to:pay
  Thrivent Financial
  4321 N. Ballard Rd.
  Appleton, WI 54919-5002
  
  Please be sure to include your loan number on the memo line of the check.
2. We can simplify your payment process by automatically drawing funds (PDF) from your specified church account each month.
Who do I contact about a late church loan payment issue (past due issue, etc.)?

Our Church Loan representatives are happy to help with any questions related to financing for your church or institution. To reach a representative call 800-984-9425, Monday to Friday, 7 a.m. to 5 p.m., Central time or email churchloan@thrivent.com.

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