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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 policy 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

Whether you want insurance for now or for a lifetime, we have policy options to help protect what’s important.
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Term life
Generally considered the most affordable option.
Coverage period
Typically 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
Typically 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
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How much does life insurance cost?
The cost of life insurance depends on many factors, including your age, health and income, along with the type and amount of life insurance you choose.

A Thrivent financial advisor can work with you to understand your current situation, needs and budget, and help you determine which type of life insurance is best for you.

Once you’ve selected your insurance plan, your financial advisor can calculate an accurate quote – at no cost to you.

Get a free quote

Get started for free

It’s easy to arrange a free consultation with a Thrivent financial advisor to explore your life insurance policy 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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Connect with us
You don't have to go it alone
Life insurance might seem complicated, but we can help. Talk with a Thrivent financial advisor to understand all your options and select the type of policy and coverage amount that’s best for you. Once you’ve selected your plan, the advisor will calculate an accurate quote - at no cost to you.
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.

Frequently asked questions

Ensuring your income is protected now and in the future is crucial to your family's wellbeing. The right life insurance policy can keep your loved ones financially secure 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.

A permanent life insurance policy 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. Transitioning from term to “perm” life insurance allows you to extend your life insurance coverage. The fundamental term conversion option is a standard feature across various term life insurance contracts, allowing policyholders to convert a portion or the entirety of their death benefit from a term policy to a permanent life insurance product. This conversion option typically remains available during the initial years of the term contract, offering individuals flexibility in tailoring their life insurance coverage to better suit their evolving needs.
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.

Still have questions?

We're always here to help. Send us a message with any questions you may have and we'll get back to you in 3-5 business days. Please do not include any personal information in your message.

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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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