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Life insurance

The life you’ve built is worth protecting. Find coverage that supports loved ones after you're gone. A Thrivent financial advisor can guide you through your options so you can make a choice that fits your goals.
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*Please select an insurance option.
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Next Steps

  1. We will review your request and get back to you within 24–48 hours.
  2. We will match you with a financial advisor that meets your needs.
  3. There is no obligation to buy at any time.

Types of life insurance

How much life insurance coverage you need depends on your unique financial situation.

Permanent life insurance

If you pass away while coverage is in place, your contract will pay a death benefit.¹ It may also build cash value that you can access if needed for any purpose such as retirement expenses, education expenses, or a down payment on a major purchase.³
  • Lifetime coverage²
  • Flexible premiums (on some products)
  • Potentially provides cash value growth
  • Potentially earns dividends
  • Provides a death benefit to give beneficiaries financial support¹

Term life insurance

Term life insurance may be a good choice if you want coverage while you’re paying off a mortgage or putting your kids through school.
  • Fixed coverage period
  • Fixed premiums during the term period
  • May be renewable or convertible
  • Does not have cash value
  • Provides a death benefit to give beneficiaries financial support¹

Permanent life insurance

If you pass away while coverage is in place, your contract will pay a death benefit.¹ It may also build cash value that you can access if needed for any purpose such as retirement expenses, education expenses, or a down payment on a major purchase.³
  • Lifetime coverage²
  • Flexible premiums (on some products)
  • Potentially provides cash value growth
  • Potentially earns dividends
  • Provides a death benefit to give beneficiaries financial support¹

Term life insurance

Term life insurance may be a good choice if you want coverage while you’re paying off a mortgage or putting your kids through school.
  • Fixed coverage period
  • Fixed premiums during the term period
  • May be renewable or convertible
  • Does not have cash value
  • Provides a death benefit to give beneficiaries financial support¹

Life insurance solutions

Whether you want insurance for now or for a lifetime, we have options to help protect what’s important.
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Term life
Generally considered the most affordable option.
Coverage period
10, 15, 20 or 30 years
Premiums
Fixed
Cash value
None
Dividends
None
Death benefit
Beneficiaries receive benefits¹
Whole life
Consistent premiums and guaranteed cash value growth.
Coverage period
Your entire life¹
Premiums
Fixed
Cash value
Guaranteed growth
Dividends
Potentially earned (but not guaranteed)
Death benefit
Beneficiaries receive benefits¹
Universal life
Adjustable premiums and cash value.
Coverage period
Your entire life¹
Premiums
Flexible
Cash value
Reflects mimiumum interest rate
Dividends
Not guaranteed
Death benefit
Beneficiaries receive benefits¹
Variable universal
More control over cash value management with investment options.
See prospectuses
Coverage period
Your entire life²
Premiums
Flexible
Cash value
Reflects investment options selected
Dividends
Not guaranteed
Death benefit
Beneficiaries receive benefits²
line drawing of 3 people standing in a house
Term life
Generally considered the most affordable option.
Coverage period
10, 15, 20 or 30 years
Premiums
Fixed
Cash value
None
Dividends
None
Death benefit
Beneficiaries receive benefits¹
Whole life
Consistent premiums and guaranteed cash value growth.
Coverage period
Your entire life¹
Premiums
Fixed
Cash value
Guaranteed growth
Dividends
Potentially earned (but not guaranteed)
Death benefit
Beneficiaries receive benefits¹
Universal life
Adjustable premiums and cash value.
Coverage period
Your entire life¹
Premiums
Flexible
Cash value
Reflects mimiumum interest rate
Dividends
Not guaranteed
Death benefit
Beneficiaries receive benefits¹
Variable universal
More control over cash value management with investment options.
See prospectuses
Coverage period
Your entire life²
Premiums
Flexible
Cash value
Reflects investment options selected
Dividends
Not guaranteed
Death benefit
Beneficiaries receive benefits²
Free learning tool
How much life insurance do you need?
Enter your current assets, expenses and income. You can also adjust the inflation rate and your expected rate of return to see how these variables could impact your insurance needs.

Frequently asked questions

When you're thinking about your family's finances, ensuring that your income is protected now and in the future is essential. Life insurance can keep your family financially on track even after you're gone.
What is permanent life insurance?
It’s an insurance contract that provides coverage throughout your life (as long as you’ve paid your premiums and your contract retains value). In addition to offering a death benefit, it may build cash value—which you can access during your life to provide supplemental income or pay expenses. It may also build cash value that you can access if needed for any purpose such as retirement expenses, education expenses, or a down payment on a major purchase.³
What is term life insurance?
It’s life insurance that covers you for a specified period of time, otherwise called a term. If you die during that period of time, as long as you’ve paid your premiums, the contract pays a death benefit to your beneficiary.
Permanent vs. term life insurance: What’s the difference?
Term life insurance lasts for a set number of years. Permanent life insurance can provide coverage throughout your entire life. With both term and permanent life insurance, if you pass away while coverage is in place, your contract will pay a death benefit². Permanent life insurance also provides an opportunity to build cash value—which you can access by taking loans or withdrawals³.
Can I convert from term to a permanent life insurance contract later on?
Yes, you can—as long as you don’t wait too long. Converting from term to “perm” life insurance allows you to extend your life insurance coverage. The basic term conversion is standard on all Thrivent term life insurance contracts, meaning that for the first five years of your contract, you can convert some or all of your death benefit from a term contract to a Thrivent permanent life insurance product.
Should I buy life insurance for my child?
There’s more to children’s life insurance than the death benefit. A children’s life insurance policy could help you save on premiums and guarantee your child’s future insurability. It could also build cash value that can be used for retirement expenses, education expenses, or a down payment on a major purchase.
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A century of putting people first

Thrivent’s roots date back to 1902

We started out back in 1902, providing much-needed insurance contracts and support for underserved communities. The values that steered us then—generosity and appreciation for what's important in life—are the same values that drive us today as a Fortune 500 company.

More than a century later, life insurance continues to play a key role in building the financial futures of our clients.

How to get started

Work with a Thrivent financial advisor to explore your options.
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We'll call you to discuss your needs and connect you with a financial advisor.
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Choose
Meet with your advisor, explore your options and decide on next steps.
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Connect
Connect with us below by answering a couple questions so we know how to help.
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Chat
We'll call you to discuss your needs and connect you with a financial advisor.
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Choose
Meet with your advisor, explore your options and decide on next steps.
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Protect the life you love
Explore Thrivent life insurance with a financial professional who can answer all your questions.
Connect with us
How can we help you?
*Please select an insurance option.
How can we reach you?

To learn more about the privacy of your information, visit our privacy policy.

Form Submission Failure

Unfortunately the form submissions has failed. Please go back and try submitting the form again or come back later and try again.

Illustration of a person trimming a tree shaped like a padlock
Thanks for reaching out!

We'll be in touch soon.

a high five

Next Steps

  1. We will review your request and get back to you within 24–48 hours.
  2. We will match you with a financial advisor that meets your needs.
  3. There is no obligation to buy at any time.
Investing involves risks, including the possible loss of principal.  The prospectus and summary prospectuses of the variable universal life contract and underlying investment options and mutual fund prospectus contain more information on the investment objectives, risks, charges and expenses, which investors should read carefully and consider before investing. Available at Thrivent.com.

This is a solicitation for insurance. When you submit your information, one of our licensed insurance agent/producers will contact you.

1As long as you pay sufficient premiums and the contract is in force on the date of the insured's death.

2As long as premiums are paid, and your contract retains value.

3You can access the cash value of a permanent life insurance contract during your life to pay for expenses, as long as you understand the consequences of doing so. For example, removing money from your contract can result in potential charges and income changes that affect your taxes. If you have a modified endowment contract, your actions may not be tax-free. Withdrawing money decreases the contract’s cash value and the value of your death benefit. And can result in cancellation of your life insurance coverage if you withdraw too much. If you remove money, it will take you longer to meet your contract goals. Always talk with your tax advisor and financial professional to learn about those implications up front.

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.
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