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AN INSURANCE PRODUCT THAT PROVIDES INCOME


For many, it's a solution that makes sense.

Annuities Can Turn Assets Into a Steady Income Stream

You can fund one with a single lump sum or a series of premiums. You can choose whether to start receiving income immediately or sometime in the future. It's up to you. Pick what fits your unique plan.

What Type Would Work Best for You?

Considering an annuity? Wondering what type to choose? For starters, think about this important question:

What do you want to do with the money?

PROTECT IT

To protect your assets, you might want to consider a fixed annuity – one with an interest rate that's locked in each year. It's a solution that can protect your money from market downturns, while still offering some growth opportunity.

FIXED INDEXED ANNUITY


Purchasing a fixed indexed annuity with a one-time lump-sum payment allows you to take advantage of growth potential and built-in loss protection. You pay no taxes on earnings until you start taking income or begin making withdrawals. If an emergency arises, you may be able to receive a portion of your value each year without paying a surrender charge.2

  • Potential for interest credited annually, up to a cap.

  • No loss of value due to negative market performance.

DEFERRED FIXED ANNUITY


Turn a single payment or series of payments into future income. Plus, you earn a fixed interest rate and have the opportunity for tax-deferred growth. If an emergency arises, you may be able to receive a portion of your value each year without paying a surrender charge.2

  • Make a one-time payment or multiple payments.

  • Earn a competitive, guaranteed minimum interest rate.3

GROW IT


To grow your assets, you might want to consider a variable annuity – one that changes in value, based on the performance of investment products it contains.

FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY


Variable annuities are intended to be long-term investments, particularly for retirement. You can start investing and then make additional premium payments as often as you like. Choose from a variety of professionally managed investment portfolios.4

  • Has potential for tax-deferred growth until you start taking withdrawals.

  • Allows you to choose how and when you take retirement income.

  • Offers optional benefits (for additional cost) that provide additional protection and guarantees for your legacy.3

MANAGED ACCOUNT VARIABLE ANNUITY


This flexible premium deferred variable annuity is designed to help members accumulate retirement assets. Available exclusively within a managed account structure, it combines access to subaccount options – both proprietary and nonproprietary – with the insurance benefits of a variable annuity.5

  • Multiple well-known investment options to choose from.

  • Investment advisory fees customized to your needs and desires.

SPEND IT SOON

To begin covering some of your expenses right away, you might want to consider an immediate annuity – one that starts making regular income payments as soon as 30 days after you purchase the product.

SINGLE PREMIUM IMMEDIATE ANNUITY (SPIA)


A single premium immediate annuity (SPIA) can help ensure you'll have the income you need in retirement. With a SPIA, you can choose from a variety of flexible payout options as well as choose options that can help protect your retirement income from inflation. In addition, SPIAs can help eliminate the worries of market volatility.

  • Single premium means you purchase the annuity with a one-time lump-sum payment.

  • Immediate means you can start receiving income right away.

SPEND IT LATER

To prepare to cover some of your expenses in the future, you might want to consider a deferred annuity – one that will start making regular income payments at a time (such as retirement) when you expect to need that money most.

DEFERRED INCOME ANNUITY


Guaranteed income can help cover your essential expenses. Purchase a deferred income annuity with a one-time lump-sum payment and receive guaranteed income payments down the road for one or two people. For many people, it's a way to help supplement Social Security with additional guaranteed income.

  • Multiple payout options let you choose how/when to take income.

DEFERRED FIXED ANNUITY


Turn a single payment or series of payments into future income. Plus, you earn a fixed interest rate and have the opportunity for tax-deferred growth. If an emergency arises, you may be able to receive a portion of your value each year without paying a surrender charge.2

  • Make a one-time payment or multiple payments.

  • Earn a competitive, guaranteed minimum interest rate.3

FIXED INDEXED ANNUITY


Purchasing a fixed indexed annuity with a one-time lump-sum payment allows you to take advantage of growth potential and built-in loss protection. You pay no taxes on earnings until you start taking income or begin making withdrawals. If an emergency arises, you may be able to receive a portion of your value each year without paying a surrender charge.2

  • Potential for interest credited annually, up to a cap.

  • No loss of value due to negative market performance.

FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY


Variable annuities are intended to be long-term investments, particularly for retirement. You can start investing and then make additional premium payments as often as you like. Choose from a variety of professionally managed investment portfolios.4

  • Has potential for tax-deferred growth until you start taking withdrawals.

  • Allows you to choose how and when you take retirement income.

  • Offers optional benefits (for additional cost) that provide additional protection and guarantees for your legacy.3

PASS IT ON

Some annuities can serve as an addition – or alternative – to life insurance, providing a way to leave a legacy or protect your loved ones.

FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY


Variable annuities are intended to be long-term investments, particularly for retirement. You can start investing and then make additional premium payments as often as you like. Choose from a variety of professionally managed investment portfolios.4

  • Has potential for tax-deferred growth until you start taking withdrawals.

  • Allows you to choose how and when you take retirement income.

  • Offers optional benefits (for additional cost) that provide additional protection and guarantees for your legacy.3

FIXED INDEXED ANNUITY


Purchasing a fixed indexed annuity with a one-time lump-sum payment allows you to take advantage of growth potential and built-in loss protection. You pay no taxes on earnings until you start taking income or begin making withdrawals. If an emergency arises, you may be able to receive a portion of your value each year without paying a surrender charge.2

  • Potential for interest credited annually, up to a cap.

  • No loss of value due to negative market performance.

DEFERRED FIXED ANNUITY


Turn a single payment or series of payments into future income. Plus, you earn a fixed interest rate and have the opportunity for tax-deferred growth. If an emergency arises, you may be able to receive a portion of your value each year without paying a surrender charge.2

  • Make a one-time payment or multiple payments.

  • Earn a competitive, guaranteed minimum interest rate.3

MORE TO EXPLORE

Read about topics that are important to you.

HOW TO PREVENT UNEXPECTED EXPENSES FROM BUSTING YOUR BUDGET


You can't necessarily call unexpected expenses "unexpected." They arise for all of us. If you're not prepared for such pitfalls, they can quickly derail your financial life. Having an emergency fund in place can provide valuable protection.

WHAT IS CASH VALUE IN LIFE INSURANCE?


Your insurance strategy can help provide protection and flexibility for you and your family. In particular, cash value life insurance can provide a range of options. And getting cash out of your life insurance may be easier than you think.

YOUR RETIREMENT SAVINGS: HERE'S HOW TO START


It's easy to put off saving for retirement. But as you age, time seems to accelerate. There's a wealth of tools that can help you kickstart a saving plan. And it's better to start now than never to start at all.

1 Source: www.ssa.gov/planners/lifeexpectancy.html

2 Annuities are intended to be long term, particularly for retirement. Product availability and features may vary by state. Withdrawals and surrenders will decrease the value of your annuity and, subsequently, the income you receive. Any withdrawals in excess of 10% may be subject to a surrender charge. The taxable portion of each annuity distribution is subject to income taxation. If a taxpayer is younger than 59½ at the time of distribution, a 10% federal tax penalty will apply to the taxable portion of the distribution unless a penalty-tax exception applies.

3 Guarantees are backed by the financial strength and claims-paying ability of Thrivent Financial.

4 Investing in a variable annuity involves risk, including the possible loss of principal. The prospectus contains more complete information on the investment objectives, risks, charges and expenses of the variable annuity contract and underlying investment options, which investors should read and consider carefully before investing. Prospectuses are available from a Thrivent Financial professional or at Thrivent.com.

5 All investing involves risks, including the possible loss of principal. The managed account program brochure contains more complete information on the investment objectives, risks, charges and expenses of the investment, which investors should read and consider carefully before investing. Prospectuses and managed account program brochures are available from a Thrivent Financial professional.

Fee-based investment advisory services are available through qualified investment adviser representatives only. Thrivent Investment Management Inc. sponsors the Managed Account Programs offered through National Financials Managed Account Solutions service, provided by Envestnet Asset Management, Inc., a third-party provider of investment management services. Security transactions are handled by National Financial Services LLC, a Fidelity Investments® Company, a registered broker-dealer and a member New York Stock Exchange and SIPC. National Financial Services, Envestnet Asset Management and Thrivent Investment Management Inc. are not affiliated.

6 Ratings based on Thrivent's financial strength and claims-paying ability. Do not apply to investment product performance. The rating also refers only to the overall financial status of the company and is not a recommendation of the specific policy provisions, rates or practices of the insurance company. www.ambest.com


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