Noteworthy: Insights for clients Winter 2025

The new 2026 Live Generously T-shirt is here! More than 45,000 votes by Thrivent clients and others were cast in an online voting campaign in mid-August, with voters selecting the new cursive design by a large margin.

It was one of the highest voter turnouts for the T-shirt, a 31% increase over last year.

The new design will be printed on blue T-shirts and start shipping in Thrivent Action Team Kits in January. The Live Generously message is two fold: a mantra for the volunteers who wear them, and a message of encouragement to others. It resonates with young and old and stands out among many competing messages in this day—which was the goal when the shirts were first designed in 2014.

Thrivent clients with membership are eligible to lead Thrivent Action Teams to support a fundraiser, service activity or educational event. In addition to the soft tri-blend Live Generously T-shirts for the volunteers on your project, Thrivent Action Team Kits can include:

• A Community Impact Card with up to $250 in seed money to help kick start your project.
• A personalized web page and other digital tools to promote your activity.
• Thank-you cards, name tags, stickers and more.

More than 15 million Live Generously T-shirts in an array of colors and designs are in circulation.

Learn more about Thrivent Action Teams and how you can get a T-shirt. While the new T-shirt design won’t launch until 2026, if you have a Thrivent Action Team available this year, there’s still time to participate.

Thrivent is continuing its total payout momentum to clients with membership in 2026, distributing a total $590 million. This includes $441 million in total dividends and $149 million in nonguaranteed policy enhancements, such as additional credited interest and reduced fees.

This payout represents a 4% increase over 2025, and 95% of clients with membership own products included in the 2026 payout.

The continued momentum in annual payouts is possible because of Thrivent’s long-term financial strength and stability and disciplined financial management. Over the past few years, Thrivent has maintained its strong operating performance, investment returns and exceptional surplus position.¹

“Thrivent’s total payout is one of the meaningful ways we deliver value to our clients each year. It’s a reflection of our long-term stability, disciplined financial management and unwavering commitment to keeping our clients at the heart of everything we do,” says David Royal, chief financial and investment officer.

While dividends are never guaranteed and do not apply to all products or clients, Thrivent has paid them every year since 1913, distributing $3.4 billion in the last decade.

Reach out to your Thrivent financial advisor or call 800-847-4836 if you have questions.

Did you catch the premiere of the Hallmark original movie Tidings for the Season just before Thanksgiving?

The movie tells the story of a serious newscaster Adam (BJ Britt) who, after meeting his biggest fan—a 10-year-old boy named Robbie (Elijah-Justus Lewis) and his hardworking single mom Lucy (Tamera Mowry-Housley)—starts covering feel-good stories about hometown heroes during the holidays.

One of those stories includes an event at Angel Gifts Charity, a fictional nonprofit started by a Thrivent client after she saw a need in her community. Adam interviews the founder for a story where she talks about how volunteers from Thrivent show the spirit of generosity when it matters most during the Christmas season.

You can stream the movie now on Hallmark+. Learn more here.

Thrivent continues to maintain strong financial ratings during a year shaped by some economic uncertainty, reflecting our disciplined financial management and long‑term commitment to stewarding clients’ assets.

Earlier this year, S&P Global Ratings affirmed its AA+ (Very Strong) long-term issuer credit and financial strength rating on Thrivent and gave the organization a stable outlook. This rating is the second highest of the agency’s rating categories. S&P highlighted Thrivent’s distribution force, better-than-peer persistency ratio, very strong competitive position and excellent capital adequacy as key strengths.

Moody’s Ratings also completed a periodic review of Thrivent, which resulted in a continuation of our strong credit ratings. The agency noted Thrivent’s excellent financial profile and highlighted our strong capitalization, financial flexibility and stable cash flow from our in-force life insurance and annuity businesses. Moody’s also cited our consistent investment performance, solid profitability and strong capital levels.

These ratings reflect Thrivent’s overall financial strength and claims-paying ability but do not apply to the investment performance of investment products.

Tax season is right around the corner, and at Thrivent, we want to help make navigating your Thrivent tax documents simple. Here’s what you can expect regarding your 2025 tax documents.

Find them online

• Sign in using your username and password.
• Click “Accounts” at the top of the page, then select “Tax forms” under the Documents section.
• You also can view tax and other documents when you select the “View documents” option on the listing for each of your accounts or contracts.
• Annuity, insurance and most mutual fund tax documents will be available by Feb. 1, 2026.
• Tax documents for mutual funds with holdings in real estate investment trusts (REITs) will be available by mid-February.
• Tax documents for most brokerage accounts will be available by mid-February.

Get them by U.S. mail

• Most tax forms (1099sand 5498s) will be mailed by Jan. 31, 2026, to your primary address on file. Please allow up to seven business days for arrival.
• Tax documents for mutual funds with holdings in real estate investment trusts (REITs) are typically mailed by mid‑February.
• Tax documents for most brokerage accounts will be mailed by mid-February.

If you want to change how you receive your non-brokerage documents from Thrivent, log in and make your selections. For Brokerage documents, under “Brokerage paperless preferences,” click on “Manage your brokerage account,” which takes you to Wealthscape Investor. Under “Profile/Feature,” scroll down to “Account Characteristics/Document Delivery Instructions” and edit as desired.

Note: If you choose eDelivery for your tax documents, you no longer will receive a paper copy.

For additional information regarding mailing dates, IRS forms and more, visit the Thrivent Tax Resource Center or call 800-847-4836 and say, “Tax help.” Always consult your tax advisor about your specific tax situation.