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Term Life Insurance

Protection for your loved ones

Securing your family’s future—with flexible options—is more affordable than you think.

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How We’re different

We're a membership-owned financial services organization.

We put our client's goals in focus so they can make the most of all they've been given.

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We’ve got you covered

Get the flexibility you need, when you need it most.

Choose between 10, 15, 20 and 30 years of coverage and a guaranteed death benefit.* The length of the contract and how much coverage you need is all up to you.

Thrivent offers two paths to convert your coverage (also called a death benefit) if you want to extend your protection.

Basic term conversion (Standard with purchase)

At any time during the first five years, you can convert all or some of your coverage without underwriting to any permanent life insurance product we offer.

Extended term conversion (Upgrade for more flexibility)

Convert all or some of your death benefit to any permanent life insurance we offer. For an additional cost, you can convert without underwriting any time before you turn 70 or the end of your term—whichever comes first.

We’re there for you when the unexpected happens. For an additional cost, you can add an option that lets you waive your monthly or annual premiums, should disability keep you from working.

Our company

A legacy built with purpose

For over 100 years, Thrivent has been helping people build their financial futures and live more generous lives. Today, we're a Fortune 500 company, helping more than 2 million clients achieve financial clarity and make the most of all they’ve been given.

Highest Ratings
A++ (Superior) AM Best

Highest of 16 ratings¹ June 2020 •

Thrivent Action Teams
17.2 million volunteer hours in 2019 for programs in clients communities.

Ranked 368 on Fortune 500 Company
Ranked 368th on Fortune 500

Fortune magazine May 2020

2020 World's most Ethical Companies

Member Benefits
Membership Benefits

You're joining our member community

From meeting unmet needs in your community, to giving back to causes you care about, we give you the tools and resources to take action and create impact.

Frequently asked questions

Depending on your age and length of term you select, Thrivent Financial Term Life Insurance may be renewable, which means you may renew your contract on an annual basis at the end of your initial term period without proof of insurability. This renewability is important if you need protection beyond your initial term because of life changes, such as when:

  • There is a change in your health status and you are unable to purchase new coverage.

  • Unexpected business or family obligations arise.

  • A loan or mortgage payment period becomes extended.

If premiums are paid when due, your financial protection can continue for as long as you need it. As with all term life insurance products, after the initial term, renewal premiums will increase annually.

Other terms and conditions may apply.

Term life insurance may be appropriate if you want coverage during a temporary or short-term situation—such as while you're paying your mortgage or while your kids are in school and financially depending on you. And if the unthinkable happened, your beneficiaries would receive a death benefit as long as premiums were paid during your contract term.

If you decide you no longer need the coverage, you are under no obligation to keep it or pay any further premiums. If you wish to terminate your contract, let us know and you will receive a refund of any excess premiums paid.

If you are between the ages of 18 and 60, and are applying for coverage between $100k and 1M, you may not need a medical exam. However, you will need to complete the Declaration of Insurability (DOI). Some applicants require additional information such as a paramed exam. If that is the case, our paramed exam takes approximately 20 to 50 minutes.

New York residents are required to complete paramed exams.

A few riders are available for Thrivent's term life policy. Contact us to learn more about if these are right for you.

Accelerated Death Benefits for Terminal Illness Rider (Standard with purchase)

This provides you with a reduced death benefit prior to your death, if you meet eligibility criteria. This comes standard on all new policies.

Extended term conversion (Upgrade at an extra cost)

This allows your premiums to be waived if you become disabled.

Still have questions?

We're ready to help answer any of your questions.