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A LIFETIME OF PROTECTION


And a potential key piece of your overall financial strategy.

Permanent Life Insurance Is a Multifaceted Solution

Permanent life insurance can do more than provide a death benefit to your loved ones after you pass away. It can also offer growth opportunities and benefits you can tap into during your lifetime.

Types of Coverage

All permanent life insurance provides financial protection throughout your life, as long as required premiums are paid. But not every type may be a good fit for you. Some plans have fixed premiums and death benefits; others offer variable premiums and benefits.

WHOLE LIFE

If you're looking for predictability – and a sense of reassurance – whole life could be the right type of coverage for you. Its attributes include:

  • Guaranteed level premiums.

  • Guaranteed death benefit.2

  • Guaranteed cash value.2

  • Potential to earn dividends.3
WHOLE LIFE + TERM

Need life insurance for more than a temporary period? And looking for flexibility? You might consider a contract that offers a blend of permanent and term life insurance. It's designed to help meet your long-term insurance needs – and fit within your budget. Attributes include:

  • Builds a modest amount of cash value.1,2

  • May earn dividends, which could pay for term protection.3
UNIVERSAL LIFE

Universal life insurance offers even more flexibility. It provides a death benefit, offers flexible premium payments and includes a savings component with potential for growth. What's more, you can make changes while the contract is in effect. With universal life, you can:

  • Pay higher premiums when you want – and lower premiums when you must.4

  • Skip a premium payment if funds get tight.5

  • Have potential to build cash value.1,2
VARIABLE UNIVERSAL LIFE

Variable universal life insurance offers the attributes of universal life insurance – plus an opportunity to build cash value by investing in your choice of several professionally managed portfolios.6 With variable universal life, you get:

  • Flexible premium payments and permanent coverage.4

  • Investment choices to match your risk tolerance.6


MORE INFORMATION

WHO IS IT FOR?

Permanent life insurance meets a variety of needs.

SAY HELLO TO ZACH & LISA

  • Have a newborn child named Erin.

  • Diabetes runs in Zach's family; relatives diagnosed before age 18.

  • Need life insurance to cover Erin as she grows up.

Solution: Juvenile whole life contract.
Using a feature called the Guaranteed Purchase Option, Zach and Lisa can buy up to $1 million of additional life insurance coverage without Erin having to be approved through an underwriting process.

GET ACQUAINTED WITH CLAUDIA

  • Age 50; single mother of 10-year-old son, Isaac.

  • If she dies unexpectedly, has no close relatives to care for Isaac.

  • Needs life insurance with flexible payments and college funding capabilities.

Solution: Universal life insurance.
The contract's cash value could potentially help pay for Isaac's college expenses. Also, if money gets tight, Claudia can pay lower premiums. Regardless of his age, Isaac will receive a death benefit when Claudia dies.

MEET HANNAH & ERIC

  • Married, mid-30s; no children.

  • Joint income of more than $200,000; contribute the max to their 401(k)s.

  • Need life insurance and retirement income options.

Solution: Variable universal life insurance for each of them.6
This provides a death benefit that will help protect against income loss if one of them dies prematurely. If the cash value grows, it could provide additional retirement income.

GET TO KNOW LARRY & TONYA

  • Married, both age 60.

  • $50,000 set aside that they're not planning to use for retirement.

  • Looking for ways to support their church and leave a legacy.

Solution: Survivor whole life contract.
They contribute $50,000 to the contract, naming their church as the beneficiary. They can access the cash value while they're both living, and the contract will provide an income tax-free death benefit7 to the church after the second spouse dies.

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RETIREMENT PLANNING CALCULATOR

Could permanent life insurance play a part in your retirement plans? See how your savings strategy stacks up.

MORE TO EXPLORE

Read about topics that are important to you.

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.

SHOULD YOU CONVERT YOUR LIFE INSURANCE? CONSIDER THESE 3 FACTORS FIRST


Some term life insurance contracts allow you to convert your term contract into permanent insurance. Term life contracts expire after a set time period, or "term." Permanent life insurance can last for your lifetime. Should you convert?

7 COMMON LIFE EVENTS THAT CHANGE YOUR NEED FOR LIFE INSURANCE


Change is inevitable. When it happens, life's big events – the celebrations and the disappointments – may be ideal times to consider if the life insurance you have is what you want. And what you need.

1 Loans and surrenders will decrease the death proceeds and the cash surrender value available to pay insurance costs. Surrenders may generate an income tax liability and may be subject to a decrease charge. A significant taxable event can occur if a contract terminates with outstanding debt. Contact your tax advisor for further details. Loans and surrenders may cause a contract to lapse or terminate without value. Loaned values may accumulate at a lower rate than unloaned values.

2 As long as premiums are paid.

3 Dividends are not guaranteed.

4 Paying large additional premiums may cause your contract to become a modified endowment contract (MEC) as defined in the Internal Revenue Code (IRC). This will affect the taxation of any distributions from your contract. In addition, the IRC limits the amount of premiums that can be paid into your contract.

5 Reducing premiums or skipping a premium payment will affect your accumulated value (and the death benefit on universal life contracts with an increasing death benefit option) and may cause your contract to lapse.

6 Investing in a variable insurance contract 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 insurance 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

7 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.

8 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.fitchratings.com

This is a solicitation for insurance. A Thrivent Financial professional may contact you. Thrivent Financial professionals are licensed insurance agents/producers.

Thrivent Financial, its affiliated companies, and their employees and representatives do not give legal, tax or accounting advice. The brief discussion of taxes in this website is not intended to be comprehensive and is subject to change at any time. Thrivent does not make any guarantee regarding tax treatment (federal, state or local) of any contract or of any transaction involving a contract, particularly after insured age 100. Tax laws and regulations are complex and depend on individual circumstances. For complete details, consult your attorney, accountant and tax advisor as needed. The life insurance contracts described briefly in this website have exclusions, limitations, reductions of benefits, and terms under which the contract may be continued in force or discontinued. The contracts will provide all costs and complete details of coverage. For costs and complete details, contact your Thrivent Financial professional.