Thrivent

Thrivent is committed to helping clients achieve financial clarity and live lives full of meaning and gratitude. A key aspect of financial clarity is helping clients navigate the challenging journey of extended care planning. At Thrivent we believe everyone should consider the impacts of extended care as part of their plan.

Thrivent is a membership-owned organization that puts our clients’ needs first; we’re not beholden to Wall Street. Thrivent remains committed to helping our clients find Long-Term Care Insurance (LTCi) solutions that meet their needs by providing comprehensive and competitive products that will be there when clients need them most.

Thrivent has been providing Long-Term Care Insurance since 1987 when its first Long- Term Care Insurance policy was purchased and now services more than 100,000 LTCi policies. In the past 15 years, we have provided more than $3.2 billion in LTCi benefits for clients—in 2020 Thrivent paid $300 million in LTCi claims.

Thrivent LTCi is available in all states but New York and offers a benefit-rich solution backed by the strength and stability of the country’s largest fraternal insurer. Some of our differentiators:

  • AM Best rating: A++
  • Issues ages 18 to 79
  • 5-year rate guarantee built-in
  • Elimination period is 1 day of service = 7 days of credit
  • Robust Benefits:
    • 2-8 year maximum benefits
    • $1,500 to $15,000 Monthly Maximum (in $100 increments)
  • Variety in inflation protection:
    • Flexible Increase Benefit: more flexibility in plan design
    • 1%, 2%, 3% and 5% Automatic Inflation Benefit options
  • Accelerated Payment Options: 10-Pay
  • Optional riders: Additional Cash Benefit, Shared Care, Survivorship, Return of Premium, Waiver of Home and Community Care Elimination Period