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Term life insurance

You work hard to keep your family safe and secure. But what would happen if you weren’t around to provide for them? Term life insurance can give you peace of mind for whatever the future may hold.
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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.
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Is a term life policy right for you?
Choosing the right life insurance today is the first step in protecting and preparing your family for whatever lies ahead. A term life policy provides protection now and gives you options for changing your coverage as your life changes. It can be a worthwhile (and budget-friendly) way to financially protect your family should you pass away.

The proceeds from your policy could help:
  • Replace your lost income
  • Cover your funeral and other end-of-life expenses
  • Fund your child’s college education
  • Pay medical and hospital bills
  • Keep your loved ones in the family home
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Free calculator tool
Estimate your term life coverage quickly and easily
Protecting your family's financial future doesn't have to cost a fortune. Our term life calculator can tell you how much coverage you need and estimate your premium costs in less than five minutes. You may be surprised at how affordable term life insurance can be.
Midsection Of Mother Carrying Sleeping Daughter In Baby Carrier
The Wachter family
When their daughter was born, Erin and Aaron Wachter decided it was time to create a financial plan, and that included increasing their life insurance.

9-step action plan helps prepare for a growing family

Like the Wachters of Elizabethtown, Pennsylvania, you may be preparing for a new addition to your family. A few simple steps now can have a profound impact on your finances and safeguard your growing family’s future.
8 in 10 Americans say family is what’s most important to them, but only 54% have life insurance to financially protect their family.
LIMRA 2020 Insurance Barometer Study

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 help you do that.
What’s the difference between term and whole life insurance?
Term life insurance covers you for a specified period, typically between 10 and 30 years, while whole life (which is one type of permanent life insurance) typically lasts for your lifetime. There is no cash value component to a term life policy—it’s designed to give your beneficiaries a cash payout if you pass away during the term. Whole life offers tax-deferred growth and access to the cash value of the policy, which could be income tax free.
How does term life insurance work?
Term life insurance covers you for a specific amount of time. For example, if you get a 20-year policy, you’re covered for that 20-year term. If you die at any point during those 20 years, your beneficiaries receive an income tax free death benefit. However, if your policy expires before your death, there is no payout.
When does term life insurance expire?
Term life is typically offered in 10, 15, 20 and 30 year periods and expires at the end of the term.
Can term life insurance be converted?
Yes, converting from term to permanent coverage allows you to maintain the original health rating of the term policy, even if you have health issues or become uninsurable later.
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Let’s find coverage that fits you & your family
Personalized financial guidance for today and tomorrow requires a personal connection. We can help.
Connect with us

I’m interested in learning more about

*Please select an insurance option.

Who will we contact?

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

What is your contact information?

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

We’re excited to connect with you!

We'll be in touch soon.

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.
Term life insurance contracts have exclusions, limitations, reductions of benefits and terms under which the contract may be continued in force or discontinued. For costs and complete details of coverage, contact your licensed insurance agent/producer.

Guarantees based on the financial strength and claims-paying ability of the issuer.

If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance may be solicited.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Under current tax law [IRC Sec. 101(a)(1)], death proceeds are generally excludable from the beneficiary’s gross income. However, death proceeds may be subject to state and federal estate and/or inheritance tax.
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