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Disclosures

Our focus as a fraternal benefit society

Our goal at Thrivent is to continue building a long-term relationship with you to help you reach your financial goals, and to increase the value of your Thrivent membership. As a fraternal benefit society, Thrivent offers programs and benefits to strengthen Christian communities so that they can serve people in need, help you be wise with money, guide you to live generously, and give you access to free educational resources and discounts. We believe we succeed when our members, their families and their communities thrive.

We were founded more than 100 years ago to help people protect themselves and their families, and help others – essentially strengthening their families, communities and churches. Thrivent and our affiliates – a family of companies created to help carry out our mission – develop, market and distribute a broad range of financial products and services. We also offer certain products developed by other companies, including health insurance, major medical, life insurance, annuities and mutual funds. As a membership organization, we want to be transparent about the types of products and services that we recommend to you and help you understand why we may recommend certain products and services. Carefully review important disclosures about Thrivent and its affiliates, including conflicts of interest in connection with the products and services that we offer.

There's another major difference: our Thrivent insurance and annuity products help create the dollars that make the grassroots membership support of communities and churches possible. Funding for this support comes from tax exemptions that we've been provided as a fraternal benefit society. In effect, when we sell our Thrivent insurance and annuity products, money we would otherwise pay in taxes is put into the membership programs and services that help our members and help them give back to the community.

Thrivent Product and Service Cost and Compensation Guide

Thrivent and our affiliates, financial professionals and certain personnel are compensated for the sale of products and services. Review the Product and Service Cost and Compensation Guide (PDF) for more details about financial professional and Thrivent affiliates compensation. We encourage you to review additional information about the products and services available through Thrivent Investment Management Inc. and its relationship to clients that are provided in the Regulation Best Interest Disclosure and Form CRS Relationship Summary documents referenced below.

Thrivent Investment Management Inc. Form CRS Relationship Summary

Choosing to work with Thrivent Investment Management Inc. is an important decision. To help in this decision, carefully review the Form CRS Relationship Summary (PDF) that contains information about the types of services offered; fees, costs, conflicts of interest, and standard of conduct; disciplinary history; and how to obtain more information. Additional information about available products and services from Thrivent Investment Management Inc. are listed below:

Contact your financial professional or call 800-847-4836 if you have questions about the information in this section.

Thrivent Investment Management Inc. Regulation Best Interest Disclosure

In its broker-dealer capacity, Thrivent Investment Management Inc. acts as your broker and your financial professional acts as your registered representative to provide you with recommendations that are in your best interest based on your investment objectives, risk tolerance, tax status, and other applicable financial information that you provide.

Review the Thrivent Investment Management Inc. Regulation Best Interest Disclosure (PDF) document for important information about, among other things, the broker-dealer products and/or services that may be recommended to you and material conflicts of interests associated with the recommendation. We encourage you to carefully review the Regulation Best Interest Disclosure in conjunction with the documentation you will receive for your specific investment product (e.g. prospectuses, offering statements, insurance contracts, etc.).

Contact your financial professional or call 800-847-4836 if you have questions about the information in this disclosure section.