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Thrivent launches combined life & long-term care insurance product

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Thrivent rolled out its new insurance product earlier this year—one that brings together a long-term care solution with the protection of life insurance.

CareForward™ can help with the costs of extended care and provide choices about where and how it’s provided—at home, at a facility, or both as the situation changes.

It also can provide a death benefit if extended care is not needed at all, or if less care is needed than anticipated.“Planning for long-term care continues to be one of the biggest concerns that people have as they approach retirement,” says Steve Sperka, vice president of Health Insurance Products and product spokesperson at Thrivent.

“We’re excited to be bringing this product to the market because it addresses many of the needs and concerns that clients have shared about long-term care planning. There’s coverage for extended-care costs, plus a death benefit if you don’t need to use it for your care needs. So either way, you’ll receive a benefit from the product.”

There’s coverage for extended-care costs, plus a death benefit if you don’t need to use it for your care needs. So either way, you’ll receive a benefit from the product.
Steve Sperka, vice president of Health Insurance Products at Thrivent

Another feature of the product is that premiums are guaranteed to never go up. “That way, you’re able to budget for them,” Sperka says, “which means you can plan for how much income you’ll need in retirement with more confidence.”

No one plans to need long-term care. But the best time to buy protection is before that day ever comes. A person turning age 65 today has almost a 70% chance of needing some type of extended care services in his or her remaining years1. And the younger and healthier a person is, the more likely he or she will be eligible for coverage and for a lower premium.

Thrivent has long offered long-term care insurance and life insurance solutions to help our clients prepare for the unexpected. “The difference now is that they can reap the benefits of both with one product,” Sperka says.

“We see CareForward as a way to help provide the benefits our membership needs when they need them most.”

To learn more, contact your Thrivent financial advisor.

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12020 US Department of Health and Human Services,

CareForward premiums are guaranteed to remain level for the life of the contract. If a premium is not paid by the date it is due, the contract will remain in force during a grace period of 65 days. A notice will be given to you if a premium is not paid after 30 days. The contract will enter a Reduced Paid-up status 30 days after a notice is given if a premium is not paid. Notice will be deemed to have been given as of five days after the date we mail it.

CareForward™ is non-cancellable, which means that you have the right to continue the policy in force by making the timely payment of premiums set forth in your contract.

All applications are subject to the underwriting requirements of Thrivent. A medical exam may be required.

This is a solicitation for insurance. A licensed insurance agent/producer may contact you.

This contract has exclusions, limitations, and terms under which the benefits may be reduced, or the contract may be discontinued. For costs and complete details of coverage, contact your licensed insurance agent/producer.

THRIVENT IS THE MARKETING NAME FOR THRIVENT FINANCIAL FOR LUTHERANS. Insurance products issued by Thrivent, Appleton, WI. Not available in all states. Licensed agent/producer of Thrivent.

Insurance products, securities and investment advisory services are provided by appropriately appointed and licensed financial advisors and professionals. Only individuals who are financial advisors are credentialed to provide investment advisory services. Visit or FINRA’s BrokerCheck for more information about our financial advisors.

Contract Forms: ICC21 L-KZ-WL, ICC21 L-JZ-SPWL.

© 2022 Thrivent. All rights reserved.
ICC21 31232N