Disclosures

Product, Cost and Compensation Guide (PDF, 108K) – Provides more detailed information about the products and services we offer, the costs associated with purchasing those products and services, and how your financial representative is compensated when you purchase them. Updated March, 2010.
Business Continuity Plan
Privacy Notice
Financial Arrangements (Revenue Sharing) Disclosure (PDF, 15K)
Thrivent Mutual Fund Compensation Information (PDF, 44K)
Thrivent Variable Annuity Compensation Information (PDF, 136K)
Municipal Securities – EMMA Fact Sheet (PDF)

Our Focus as a Fraternal Benefit Society

Our goal at Thrivent Financial for Lutherans is to continue building a long-term relationship with you to help you reach your financial goals, and to increase the value of your Thrivent Financial membership. As a fraternal benefit society, our mission is to improve the quality of your life, your family and your community. We believe financial security and caring for others are keys to that better quality. Security. Generosity. Community. That's what we're about.

We were founded more than 100 years ago to help people protect themselves and their families, and help others – essentially strengthening their families, communities and congregations. We created our own insurance and annuity products that help do that – Thrivent Financial for Lutherans annuities and insurance products. As you may expect, we make more money from the sale of Thrivent Financial annuities and insurance products and other proprietary products we create and offer you than from the sale of other companies' products, in other words, non-proprietary products. We offer those non-proprietary products to help make sure you have options available to help meet your financial needs, but we wanted to let you know the difference between proprietary and nonproprietary in terms of our revenue.

There's another major difference: our Thrivent Financial insurance and annuity products help create the dollars that make the grassroots membership support of communities and congregations possible. Funding for this support comes from a tax-exemption we have been provided as a fraternal benefit society. In effect, when we sell our Thrivent Financial insurance and annuity products, money we would otherwise pay in taxes is put into the membership programs and services that help our members and help them give back to the community. For example, through our network of members around the country (called chapters), we provide resources and funding for our members to do local volunteering and fundraising. Therefore, we focus on the distribution and sale of Thrivent Financial annuities and insurance products. Together with our members, we raise, donate, and contribute roughly $300 million a year. More than half of that amount comes from the efforts of our members who also volunteer millions of hours each year to causes important to them.

Financial Representative Product Access

All of Thrivent Financial's representatives licensed with Thrivent Financial and Thrivent Investment Management Inc., a registered broker-dealer and investment adviser, can offer and sell Thrivent Financial annuities and insurance products and other proprietary products, such as Thrivent Mutual Funds, as well as certain non-proprietary products. Certain Thrivent Financial representatives may have access to certain proprietary and non-proprietary products and services while other Thrivent Financial representatives do not have such access, based on their experience, licensing and other qualifications. If your financial representative is unable to offer a product or service that interests you, he or she may be able to work with another financial representative at no extra cost to you. We encourage you to talk with your financial representative about the products and services he or she may offer and explore the options available to you.

Financial Representative Bonus Compensation for Rollovers

For the period of January 2, 2010 through April 30, 2010, our financial representatives may receive compensation in the form of a cash bonus for your and others' retirement account rollovers. This cash bonus is based primarily on the number of new members or clients that elect to rollover one or more external retirement accounts into certain eligible products, including both proprietary products and non-proprietary products, recommended by a Thrivent Financial representative as a rollover vehicle. To be eligible for the bonus, the account being rolled over must come from an organization other than Thrivent Financial or its affiliates. This bonus is a cash bonus based on obtaining a certain level of outside retirement rollover accounts rather than being paid for each individual member or client that completes a rollover. Although Thrivent Financial representatives recommend products and services they believe are suitable for you and your particular financial situation, as always, you should carefully evaluate each product and recommendation. If you have a question about this bonus compensation, please contact your financial representative.

New Member Bonus Compensation

As of January 1, 2010, our financial representatives can receive compensation in the form of a cash bonus for bringing more benefit members into Thrivent Financial. (A benefit member is anyone 16 years old or older who has applied for and been accepted into membership who also owns fraternal benefit society products, i.e., Thrivent Financial for Lutherans annuities and/or insurance.) There are two components to the cash bonus program. The first one includes a cash bonus based on bringing a certain level of new benefit members into Thrivent Financial, in other words it's not paid for each individual member, but when a certain level of new benefit members is reached. (For example a financial representative will receive a payment of $1000 when they bring 12 new benefit members into Thrivent Financial, subject to certain other conditions.) The second component to the cash bonus program is available only to new financial representatives in their first two and a half years of service with Thrivent Financial, and includes the receipt of a cash bonus of up to $150 for each new benefit member they bring into Thrivent Financial. Although Thrivent Financial representatives recommend products and services they believe are suitable for you and your particular financial situation, as always, you should carefully evaluate each product and recommendation.

Field Leadership Compensation

Our home office employees, as well as our field management personnel who manage our financial representatives, are eligible to receive incentive compensation, based on the amount of sales by the financial representatives of insurance and annuity products issued by Thrivent and other insurers.

If you have questions, contact your financial representative or call 800-THRIVENT (800-847-4836).


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