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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 provide you with financial confidence 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

Forbes named Thrivent one of America’s Best Insurance Companies of 2024.*

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.
Mother looking her newborn child
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.

A guide to life insurance for new parents

For any new parent, the birth of a child is a life-changing experience. At a moment of such hope and excitement, it's difficult to think you may not always be there for them. But preparing for that day now can be the most meaningful action to take. For many new parents, that includes considering life insurance.
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.
How does term life insurance work?
Term life insurance works by ensuring a death benefit to your beneficiaries for a set amount of time (typically between 10 and 30 years), in return for a premium you pay.

Explore life insurance term lengths & options
How much term life insurance do I need?
One easy way to calculate your term life insurance needs is to multiply your annual salary by 10, or by how many years you have until retirement. Other factors play an important role in coming up with an accurate target—including your life stage, family makeup and financial obligations.

Find the right amount of term life insurance
What is the difference between whole life insurance and term life insurance?
Whole life insurance is a type of permanent life insurance that can provide lifelong coverage and cash value that you can access while you’re living. Term life insurance, on the other hand, only covers you for a specific number of years (typically between 10 and 30) and pays out a death benefit directly to your beneficiaries if you die during that period. As a result, whole life insurance usually has a higher price tag—and a few more rules—than term life insurance.

Compare whole & term life insurance
What happens when term life insurance ends?
Term life insurance expires at the end of your agreed-upon term length (typically 10 to 30 years). You’ll be notified by your insurer that the contract (and therefore, your death benefit) is no longer active. And you’ll stop paying premiums. Sometimes, you may have options to renew your coverage on a year-to-year basis, convert your term life insurance to permanent life insurance before the expiration, or buy a new contract altogether.

Plan ahead for expiring term life insurance
What is level term insurance?
Level term life insurance is the most common type of term life insurance. It ensures that both your premium and death benefit remain unchanged—or level—the entire time your contract is in force. This differs from other options like decreasing term life insurance, where the death benefit that’d get paid out to your beneficiaries lowers as you, and the contract, get older.
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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.

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.
*For information on this rating, visit www.forbes.com/lists/best-insurance-firms/.

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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