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Life Insurance

You've built a life that's worth protecting. We have life insurance solutions that can help.
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How can we help you?
*Please select an insurance option.
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To learn more about the privacy of your information, visit our Notice at Collection for California Consumers or our privacy policy.

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Next Steps

  1. You'll receive an email and a phone call from us soon to begin discussing your request
  2. We will connect you with the right people to support your financial goals.
  3. There is no obligation to buy at any time.

Types of life insurance

You deserve life insurance that meets you where you’re at. Discover the types we offer and how they help protect you.

Term

Simple, affordable coverage for a specified time period (10, 15, 20 or 30 years).

Possible fit for:
  • New parents
  • Homeowners
  • Young couples
  • Singles
  • Business owners

Whole

Lifetime coverage. Premium never increases. Guaranteed cash value growth.

Possible fit for:
  • Families
  • Homeowners
  • Juveniles
  • Pre-retirees
  • Singles

Universal

Lifetime coverage. Guaranteed minimum interest rate. Flexible premium and coverage amount.

Possible fit for:
  • 25-60 year olds
  • Young families
  • Juveniles
  • Pre-retirees
  • Singles

Variable

Lifetime coverage. Potential to grow in value through investments you control. Flexible premium and coverage amount.

Possible fit for:
  • 35-55 year olds
  • Families
  • Juveniles
  • Pre-retirees
  • Singles

Term

Simple, affordable coverage for a specified time period (10, 15, 20 or 30 years).

Possible fit for:
  • New parents
  • Homeowners
  • Young couples
  • Singles
  • Business owners

Whole

Lifetime coverage. Premium never increases. Guaranteed cash value growth.

Possible fit for:
  • Families
  • Homeowners
  • Juveniles
  • Pre-retirees
  • Singles

Universal

Lifetime coverage. Guaranteed minimum interest rate. Flexible premium and coverage amount.

Possible fit for:
  • 25-60 year olds
  • Young families
  • Juveniles
  • Pre-retirees
  • Singles

Variable

Lifetime coverage. Potential to grow in value through investments you control. Flexible premium and coverage amount.

Possible fit for:
  • 35-55 year olds
  • Families
  • Juveniles
  • Pre-retirees
  • Singles

Life insurance comparison chart

The benefits of the different types of life insurance at a glance.
Connect with us
How can we help you?
*Please select an insurance option.
How can we reach you?

To learn more about the privacy of your information, visit our Notice at Collection for California Consumers or our privacy policy.

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
Thanks for reaching out!

We'll be in touch soon.

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Next Steps

  1. You'll receive an email and a phone call from us soon to begin discussing your request
  2. We will connect you with the right people to support your financial goals.
  3. There is no obligation to buy at any time.

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

For information on this rating, visit www.forbes.com/lists/best-insurance-firms/
Thrivent financial advisors combine empathy and expertise
Your Thrivent financial advisor starts by forming a human-to-human connection with you. This helps them understand the people, things and causes close to your heart. Then, they can recommend a life insurance solution to help protect them.

Tap the button below or call 800-492-1231 to connect with a Thrivent financial advisor. They’ll help you understand all your options and select the type of policy and coverage amount best for you.
Connect with us
How can we help you?
*Please select an insurance option.
How can we reach you?

To learn more about the privacy of your information, visit our Notice at Collection for California Consumers or our privacy policy.

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
Thanks for reaching out!

We'll be in touch soon.

a high five

Next Steps

  1. You'll receive an email and a phone call from us soon to begin discussing your request
  2. We will connect you with the right people to support your financial goals.
  3. There is no obligation to buy at any time.
How much does life insurance cost?
It depends on factors including your:
  • Health
  • Age
  • Type of coverage
  • Amount of coverage
Your Thrivent financial advisor can recommend a coverage solution that fits your goals, needs and budget.
Connect with us
How can we help you?
*Please select an insurance option.
How can we reach you?

To learn more about the privacy of your information, visit our Notice at Collection for California Consumers or our privacy policy.

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
Thanks for reaching out!

We'll be in touch soon.

a high five

Next Steps

  1. You'll receive an email and a phone call from us soon to begin discussing your request
  2. We will connect you with the right people to support your financial goals.
  3. There is no obligation to buy at any time.
But what’s the cost of not having life insurance?
Without life insurance, your loved ones may struggle to cover funeral costs, mortgage payments and education expenses.

You could also miss out on other benefits life insurance provides—including tax-deferred growth, supplementing retirement income and cash value.

Before you skip coverage, ask yourself these questions

Frequently asked questions

You know life insurance is a big topic that requires a lot of research and discussion. We’re here to empower you with knowledge to make an informed decision.
How do you know if you really need life insurance?
Often, the decision to buy life insurance or not comes down to one question: Would your death financially burden someone you care about? Life insurance can provide relief by helping your dependents pay for your funeral and other final expenses through its death benefit. It can also help settle any debts they’d be responsible for. And allow you to leave a legacy for their financial goals—like paying for college, buying a home or donating to charity.
How much life insurance do you need?
As a general rule, you can multiply your annual salary by 10 to determine a reasonable amount of life insurance. But considering additional factors, like your family makeup, your financial obligations and debts, can help you calculate a more personalized and accurate target.
Is life insurance taxable?
Typically, the death benefit paid to your beneficiaries is tax-free. But there are some exceptions. For example, taking a death benefit in monthly payments instead of a lump sum (i.e., an annuity) may require you to pay taxes on the interest accrued by those proceeds.
Can you borrow against life insurance?
You can borrow against your life insurance if it’s a permanent policy that accumulates cash value (think whole life, universal life, variable universal life or indexed life insurance). Each insurance company has different rules on how much you can borrow—but typically it’s no more than 90% of its cash value.
What is cash value in life insurance?
Cash value is the interest-earning portion of a permanent life insurance policy that you can borrow against. You may also be able to withdraw cash from this component, like a savings account. But doing so may lower your contract’s death benefit.3

Ready to talk? We’re here to listen.

Schedule your free intro appointment with a Thrivent financial advisor who can answer all your life insurance questions.
Investing in variable universal life insurance involves risk, including the possible loss of principal. More information on this contract's underlying investments—and their objectives, risks, charges and expenses—is in the prospectus(es). Investors should read and consider the prospectus(es) carefully before investing. Get these documents from your Thrivent financial professional or in the resource center.

This is a solicitation for insurance. When you submit your information, one of our licensed insurance agent/producers will contact you.

1 As long as you pay premiums.

2 Guaranteed death benefit in a variable product applies as long as premiums are paid and the contract retains value.

3 You can access the cash value of a permanent life insurance contract during your life to pay for major expenses, as long as you understand the consequences of doing so. For example, removing money from your contract can result in potential charges and income changes that affect your taxes. If you have a modified endowment contract, your actions may not be tax-free. Withdrawing money decreases the contract’s cash value and the value of your death benefit. And can result in a closed account if you withdraw too much. If you remove money, it will take you longer to meet your contract goals. Always talk with your tax advisor and financial professional to learn about those implications up front.

Life insurance contracts have exclusions, limitations, and terms under which the benefits may be reduced, or the contract may be 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 Thrivent.
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