MyThrivent FAQs

Account Access

Q: What areas of the Thrivent Financial for Lutherans websites can I access through registration and login?

A: The same user ID and password will provide you access to the following secure areas:

• MyThrivent Account Access
  • Insurance & Annuity Account Values: Access contract and account values or request service for your Thrivent Financial insurance and annuity contracts.
  • Mutual Funds: View number of shares owned, account values, dividend histories, recent transactions, fund share prices, and perform certain transactions.
• Lutherans Online
  • A fun, online Christian-based community.
  • Connect with other Lutherans.
  • Build a free website.
  • Send Christian e-cards.
  • Research your Lutheran roots.
  • Post classified ads.
  • Find friendship in Singles Seeking.

Q: What areas of the secure Thrivent Financial website require a separate login process?

A: Because system differences and different regulating bodies require different login processes, you will need to complete a separate registration process to access the following secure areas:

• Online Banking with Thrivent Financial Bank
• Securities Brokerage Services (some types)
• Mutual Funds – Business
• Mutual Funds – Trust
• Trust & Investment Services

Q: What information will I need when registering?

A: If you are registering for access to MyThrivent, you will need:

• Thrivent ID or Tax ID.
• Contract number or birth date.
• A valid email address.

If you are registering solely for Lutherans Online, you will need:

• Current user name and password.
• Birth date.
• A valid email address.

Q: Who can register?

A: Anyone age 16 and older can register on the Thrivent Financial website. However, your access to secure areas may be limited based on your relationship with Thrivent Financial.

Q: What if someone learns my user ID and password?

A: Your user ID and password are kept confidential. Your secure access will be disabled after five unsuccessful attempts to log in. If your access is disabled, contact Customer Service.

Q: What if I have questions about my user ID and password or PIN?

A: If you have questions, call the appropriate number for Customer Service.

Q: Do I need to enter my user ID and password every time I log in?

A: Yes. For security reasons you need to type in your user ID and password every time you log in to a secure access area. However, once you have logged in to a secure area, you can access other secure areas for which you are authorized without repeating the login.

Cookies technology is not available with this login process.

Q: What do I do if I forget my user ID?

A: If you forget your user ID, click on the Forgot User ID link on the login page. Type in your email address and birth date, and your user ID will be emailed to you. Note: In order to use this feature, you must keep your profile up to date with your current email address.

Q: What do I do if I forget my password?

A: If you forget your password, you'll need to create a new password. Click on the Forgot Password link on the login page. Answer your security questions, then type and confirm your new password. Note: Your password will not be sent to you via email.

Q: Can I change my user ID?

A: No. Your user ID cannot be changed.

Q: Can I change my password?

A: Yes. You can change your password at any time. Go to your profile, click on Password and complete the online instructions.

Q: Can I change my profile information?

A: Yes. Go to Manage My Profile and you can easily update the information in your profile at any time including: password, verification questions, access areas, personal information, email address, delivery preferences and your Lutherans Online website status.

Q: Can I have more than one profile on my registration?

A: No. For security reasons, each user requesting access to secured areas on the Thrivent Financial websites must register individually.

Q: Can I change my status for receiving the Thrivent Financial eNewsletter?

A: Yes. You can change your status at any time by updating your profile. Go to Manage My Profile and click on Access Areas. To receive the eNewsletter, be sure the "Send Me Updates" box is checked. To be removed from the list, uncheck the "Send Me Updates" box.

Q: Can I bookmark my insurance, annuity or mutual fund accounts?

A: For security reasons, you cannot bookmark your account pages or add them to your favorites. You can, however, bookmark the MyThrivent login page. You'll need to log in to MyThrivent to view your account information.

Q: Do cookies need to be enabled within my web browser when registering?

A: Yes. Note: If your browser's security settings are set to "High," you can still enable cookies just for our site by adding thrivent.com as a trusted site within your browser settings.

Bank

Q: How do I obtain access to my Thrivent Financial Bank accounts?

A: Thrivent Financial Bank customers have separate identification (ID) numbers for telephone banking and online banking. A separate PIN is also necessary to access trust accounts online for Trust and Investment Services.

• When you opened a checking, savings or loan account with Thrivent Financial Bank, you established a PIN for that account. You can use that PIN, combined with your account number, to access account information via telephone banking.
• If you have a Thrivent Financial Bank checking/savings account, you can enroll in online banking today. You may also contact Thrivent Financial Bank at 866-226-5225. Once your application is received and processed, you will receive a customer number and password to access your account online. The customer number and password will be sent in separate mailings for security purposes.
• For additional information about online banking services, visit Thrivent Financial Bank.

Billing & Payments

Q: How do I make a payment by check?

A:

• With the remittance stub – If you are changing your payment or want the payment applied differently, check the box on the front of the stub so our processor knows you are making a change. If you are paying for something other than what’s billed or you’re paying toward a loan, write clear instructions on the back of the stub.
• Without the remittance stub – Indicate your contract number and if it is a premium or loan payment on the memo line of your check. If it’s for both premium and loan, let us know what amount should be applied to each.

Q: Where do I send my check payment?

A:
Fixed Insurance and Annuity Products and Loan Repayments
Send and make payable to:
Thrivent Financial for Lutherans
PO Box 8062
Appleton, WI 54912-8062

Variable Insurance and Annuity Products
Send and make payable to:
Thrivent Financial for Lutherans
PO Box 8060
Appleton, WI 54912-8060

Thrivent Mutual Funds – Additional Investments
Send and make payable to:
Thrivent Investment Management Inc.
PO Box 219334
Kansas City, MO 64121-9334

Employer-Sponsored Qualified Plan Payments
(TSA / 403(b), 401(k), SEP, SIMPLE)
For Annuities and Mutual Funds:
Send and make payable to:
Thrivent Financial for Lutherans
4321 N. Ballard Road
Appleton, WI 54919

Q: What is Direct Payment and how do I sign up for it?

A: Direct Payment is easy, safe, and convenient. When you authorize direct payment, the payment is automatically deducted from your account every month so you never have to worry about a late payment. Plus, there’s no more writing checks or addressing envelopes. Sign up for direct payment by completing and sending us the direct payment authorization form:

• Direct Payment Authorization Form 6568 (PDF, 145K)
• Direct Payment Instruction Sheet (PDF, 113K)

Q: How can I change my financial institution information if I pay by Direct Payment?

A: Complete the Direct Payment Authorization Form 6568 (PDF, 145K). Or from your account summary page, select the account, click the Billing tab and click “Request billing and payment forms.” Update the "Change my bank information" section and click Submit. A minimum of 10 business days is needed to insure your change can be completed by the desired pre-authorized withdrawal date. Direct Payment instructions (PDF, 113K) are also available.

Q: Can I fax the Financial Institution Authorization form to Thrivent Financial?

A: Yes, fax to 800-225-2264, attention Payment Services.

Q: How long will it take to change my bank information?

A: A minimum of 10 business days is needed to insure your change can be completed by the desired preauthorized withdrawal date.

Q: I am getting a divorce. Do I need to complete a direct payment form if the bank information is the same, and I am a joint owner?

A: Yes. In divorce situations or situations where the payers are changing, we will require a Direct Payment form 6568 (PDF, 1459K). Direct Payment Instructions (PDF, 113K) are also available.

Q: How is the premium applied on my variable universal life or annuity contract?

A: Premiums are applied to the current allocated subaccounts in the percentage specified by you. To view your current allocations, visit your account summary page.

Q: What frequency can I pay on my contract?

A:
Annuity
Quarterly, Semi-annual, Annual, Group Bill and Direct Payment

Universal Life and Variable Universal Life
Quarterly, Semi-annual, Annual and Direct Payment

Whole and Term Life
Quarterly, Annual, Group Bill, and Direct Payment

Disability Income
Quarterly, Annual, Group Bill, and Direct Payment

Medicare Supplement
Quarterly, Annual, Group Bill, and Direct Payment

Long-term Care
Quarterly, Annual, Group Bill, and Direct Payment

For more information on your product's billing frequencies, please contact a Thrivent Financial representative or contact the Customer Service Center.

Q: How long does it take to post my payment to my contracts?

A: Please allow 5 to 7 business days to apply your payments to your accounts.

Q: Can I pay for all contracts with one "group" payment?

A: You can group contracts with similar payment dates on one payment notice if the due dates are within ten days of each other.

Payment Services Request Form 23045C (PDF, 668K).

Note to contract owners in NC and NY:
Thrivent Financial for Lutherans is required by law to send a payment notice to the owner of the contract when life contracts are billed to someone other than the owner. The contract owner's copy will indicate: "This contract is being group billed on a group bill account."

Q: Can you bill me for the loan on my insurance contract?

A: Visit your account summary page, choose the account, click the Billing tab and select "Request billing and payment forms."

Update the "Set up/change my loan repayment plan" section and click Submit. Please allow 5 to 7 business days to process this request.

Q: Can I pay my premium/loan payment over the telephone?

A: Not at this time.

Q: Can I make a payment on Thrivent.com?

A: Yes. Visit your account summary page and click on the Pay Now button.

Q: Can I make a payment to my financial representative?

A: No. All payments must be submitted to the service center. See the question above "Where do I send my check payments?"

Q: What actions can I take using online bill pay?

A: Online Bill Pay allows you to pay a bill or make a purchase for any of the following accounts: traditional, universal and variable universal life contracts; fixed and variable annuities; and disability income, long-term care and Medicare supplement insurance contracts. This option may change the way you pay your premiums or make a mutual fund purchase.

Q: What is a government allotment, and can I set this up if it applies to me?

A: Active or retired members of the U.S. Armed Forces can have premiums withheld from their military paycheck and forwarded to Thrivent Financial on a monthly basis. To get set up, call your military finance officer, then call Thrivent Financial's Customer Service Center.

Q: Does Thrivent Financial allow internal transfers from one account to another?

A: We can automatically send a withdrawal from your annuity, settlement option, or mutual fund to pay another Thrivent Financial premium or loan. Contact your Thrivent Financial representative or call the Customer Service Center for assistance.

Q: Why did I receive a reminder notice for my traditional life or health contract?

A: If Thrivent Financial does not receive the premium by the due date, a reminder notice is mailed and payment is past due. If you mailed a payment within a week of receiving the reminder, you may disregard the notice.

Q: Why did I receive a reminder notice for my Horizon contract?

A: Reminder notices for Horizon contracts are a service to members who may have forgotten to make their payments. The due date does not change on the reminder notice. It is the same date the premium originally was due. The reminder notice does not extend the due date. It simply reminds members we have not received the premium payment which was due on a specific date. If you mailed a payment within a week of receiving the reminder, you may disregard the notice.

Q: What is the grace period and reinstatement?

A: All contracts have a grace period of at least 30 days. If your contract enters the grace period status, you will receive more information by mail. Payment must be received in our office by the last day of the grace period.

If payment is not received in our office by the end of the grace period, a reinstatement form and payment must be submitted. To obtain the necessary paperwork, please contact a Thrivent Financial representative or the Customer Service Center.

Q: Did you receive my payment?

A: You can view your payment history on your account summary page. You can also check your bank statement. If you do not see a payment to Thrivent Financial, contact Customer Service to verify if your payment has been received.

Customer Account Record Mailing

Q: Why do I receive this letter?

A: According to the Securities and Exchange Commission's (SEC) Books and Records Rule, we are required to ask you to review (and update, if necessary) your Customer Account Record(s) at least every 36 months. The primary purpose of Rule 17a-3 (Books and Records) is to provide regulators – particularly State Securities Regulators – access to books and records to review for compliance with suitability rules. In 2001, the Securities and Exchange Commission (SEC) amended Rule17a-3 (Books and Records). The revised amendments, in part, require that broker-dealers obtain, store, maintain and return client and suitability information for all owners of securities products. See more in www.sec.gov/rules/final/34-44992.htm.

Q: What products does this pertain to?

A: The rule covers owners of all securities products including variable universal life, variable deferred annuities, variable immediate annuities, variable settlement options, mutual funds, 529 Plans and brokerage products, including equities, fixed-income products, options, etc.

Q: What is a registration?

A: A registration is a categorization of securities being held at Thrivent Investment Management Inc. We have 15 registrations – common to those found at most broker-dealer firms. The registrations are: Individual, Joint, Business, IRA, Roth IRA, SEP IRA, Employer Retirement Plan, 401(k), SIMPLE IRA / SARSEP, 403b, Trust, Estate, 529 Plans, Education, Custodial.

Q: Do I need to return the form that's enclosed with the letter?

A:If the information is complete, correct and up to date, no response is needed. If corrections are needed, you should log into MyThrivent and select "Edit My Information."

Q: What if information is inaccurate or missing and I do not return the form?

A: Thrivent Investment Management Inc. is required to ask you for the most current information. If your information is incomplete, you will receive a follow-up letter. You're encouraged to provide us with the most current and accurate information to help identify and manage financial solutions that match your needs and values.

Q: What if I don't want to disclose this information?

A: You are not required to provide this information. You are encouraged to provide this information to help identify and manage financial solutions that match your needs and values.

Q: Where should I send the completed form?

A: You can submit changes in one of three ways:

1. Log in to MyThrivent and select "Edit My Information."
2. Return the form to:
   Thrivent Financial
   Unit 1582
   4321 N Ballard Rd
   Appleton WI 54913-9847
3. Fax form to: 800-225-2264.

Q: Can I provide this information over the phone?

A: The fastest way to update your information is to log in to MyThrivent and select "Edit My Information." You can also contact our customer service area at 800-701-3885, Monday – Friday (7 a.m. – 9 p.m., Central time).

Q: There are additional owners on this account; will all owners receive the same letter?

A: No. The mailing is sent to the primary owner. We ask that the primary owner coordinate with the other account owner(s) to make any necessary updates or changes to the information.

For custodial accounts, the letter will be sent to the custodian or guardian of record.

Q: How often will I receive this type of letter?

A: As required by the SEC ruling, we request updates periodically if there has been no activity-related review or update to your data within the past three years. Additionally, if there are changes to certain existing registration information (i.e., investment objective, risk tolerance), you will receive another letter confirming that information. You do not need to respond if all the information is accurate.

Q: I don't want to receive these letters. May I avoid them?

A: No. All broker-dealer firms are required by the SEC to conduct these mailings.

Q: These forms include personal information; what is Thrivent Financial's policy with respect to keeping personal information private?

A: Protecting the privacy of your information is a responsibility we take very seriously. We understand the information is personal, and we view confidentiality as critical. Thrivent Financial upholds strict standards of security to safeguard all client information. More information about our privacy policy is available here.
200903474

Disability Income Insurance Claims

Q: How do I file a claim?

A: To request a claim form, contact Customer Service.

Q: How do I find out what my contract number is?

A: Your contract number is listed near the top of the Contract Specifications Sheet on page 3 of your contract. Your contract number begins with the letter H.

Q: What are my benefits?

A: Your benefits are listed on the Contract Specifications Sheet on page 3 of your contract.

Q: Who can I contact if I have additional questions?

A: If you need further assistance, use the Contact Us form or contact Customer Service. As always, a Thrivent Financial representative is also available to answer your questions.

eDelivery & Preference Center

Q: What are the benefits of eDelivery?

A:

• Fast delivery – eDelivery documents generally arrive sooner because they avoid postal delivery delays of paper documents.
• Less mail – eDelivery reduces the number of paper documents and envelopes in your mailbox.
• Convenience – eDelivery offers the convenience of viewing the electronic documents online, saving for personal use or printing for reading and filing purposes.

Q: How do I enroll in eDelivery?

A: Simply log into MyThrivent > Update My Personal Information > Manage My Profile > Preference Center. Select Document Delivery and click the Delivery Preference button to enroll in eDelivery for all available documents, or choose specific documents for eDelivery individually. If you change your mind, you can always update your selection to U.S. Mail to receive paper documents in the future.

Q: Who can enroll in eDelivery?

A: All members can enroll in eDelivery for items such as Thrivent magazine, Financial Insights Newsletter, Web News and National Board of Directors Election material.

Individuals and primary joint owners of mutual fund accounts, annuities, settlement agreements, and variable universal life insurance contracts can enroll for electronic delivery of statements, prospectuses and reports according to the chart below.

Exceptions: Special owners, such as businesses, trusts, churches, multiple controllers of custodial accounts for the same minor, inactive and closed accounts are not eligible for eDelivery of statements and supporting material at this time.

Product	Statements available by eDelivery?	Prospectuses, annual and semiannual reports available by eDelivery?
Mutual Funds	Yes1	Yes1
Variable Annuities	Yes	Yes
Fixed Annuities	Yes	N/A
Variable Settlement Agreements	Yes	Yes
Fixed Settlement Agreements	Yes	N/A
Variable Life Insurance	Yes2	Yes
Universal Life Insurance	Yes2	N/A
Other Life Insurance	No	N/A

¹ eDelivery is not available for Class I Share documents.
² Available for contracts issued in 2004 and later.

If your account changes to an account type that is restricted from eDelivery, you will receive an email notice from Thrivent Financial stating your eDelivery status has been deactivated. You will continue to receive statements, reports and prospectuses by U.S. mail.

If you enroll in eDelivery for an account with multiple owners, you will receive a notice that there are multiple owners of the financial statements you wish to receive online. For Thrivent Financial to accept your enrollment in eDelivery, the other owners must also elect eDelivery. If they do not take action and enroll in eDelivery within 6 weeks, your eDelivery consent will be deactivated. You will continue to receive U.S. mail delivery for your financial documents.

Q: How do I access account or contract statements online?

A: Review the following instructions for accessing different statements online:

How to access your mutual fund statement dated March 31, 2011 and prior (PDF, 304K).

How to access all other product statements and the Quarterly Thrivent Financial Review (PDF, 632K).

Q: What if I don't receive an eDelivery notification I was expecting?

A: If you don't receive an anticipated eDelivery notice, log in to MyThrivent to retrieve your electronic statement. For prospectuses, annual and semi-annual reports, visit:

• Variable Annuities Prospectus & Reports.
• Mutual Funds Prospectus & Reports.
• Variable Life Insurance Prospectus & Reports.
• Statement viewing instructions How to access statements online (PDF, 632K).

If you have anti-spamming software installed on your computer, be sure to add Thrivent Financial to your “safe” list. Email delivery can also be delayed or denied by your internet service provider if your email client exceeds the maximum message storage limit.

If you do not have anti-spamming software and the document is available online, but you haven’t received it via email, please alert Customer Service of the missing email notice.

Q: Will I receive multiple email notices?

A: This depends on the types of products you own. If you own multiple Variable Annuity and Variable Universal Life contracts you may receive multiple prospectus eDelivery notices. However, content of each eDelivery notice will vary by prospectus. Prospectuses are delivered one time per year, and each email notice will have a different subject line and body content.

If there are other people in your household who have signed up for eDelivery using the same email address, duplicate emails will not occur.

Q: How will I know when documents are available online?

A: You will receive email notices containing hyperlinks to MyThrivent, where you can log in and view a list of the documents available that pertain to your accounts. You can identify that the email is being sent as part of our eDelivery service by the sender line, which is "Thrivent Financial for Lutherans eDelivery Notification Service."

Q: What about undeliverable emails?

A: If an email is returned to us as "undeliverable," we will mail you a letter advising you that the document for which the notice was sent is available online for you to access. The letter will also advise that if you are unable to access the document electronically, you should contact Customer Service to request that we mail you a paper copy.

If your internet service provider advises that emails cannot be delivered to you because your address is no longer active, or if repeated attempts to deliver an email to you are returned to us, we will suspend electronic notification of documents; however, the documents will still be available electronically.

We'll send delivery notices to the email address you provided during enrollment. So, it's important to keep us updated on any changes to your email address. If you are logged in, you can edit your profile information in the Manage My Profile area of MyThrivent.

Q: How do I access a document if I deleted the email with the link?

A: To access your statements anytime, log in to MyThrivent. For prospectuses, annual and semi-annual reports, visit:

• Variable Annuities Prospectus & Reports.
• Mutual Funds Prospectus & Reports.
• Variable Life Insurance Prospectus & Reports.
• Statement viewing instructions How to access statements online (PDF, 632K).

Q: Is the eDelivery service secure?

A: Yes. The page that captures your preference and displays your statements uses industry standard security, 128-bit encryption. All personal information provided to Thrivent Financial is confidential. Your personal information that is gathered for eDelivery enrollment is used only to service your account. For more details please see our Internet Privacy Policy.

Q: What software and hardware will I need?

A: To view quarterly and annual statements, prospectuses and related reports, you must have Adobe® Reader®. See System Requirements for best viewing.

Q: When will I begin to receive documents electronically?

A: After enrollment, eDelivery will be active within a few days. Please note that Thrivent Financial mailings occur at the end of each calendar year quarter and a few additional times throughout the year.

Depending on when you enroll for eDelivery, you may not receive an email notification from Thrivent Financial right away. There also may be an overlap period of 4 to 6 weeks where your eDelivery and U.S. mail preferences will both be active, until the delivery lists are synchronized.

Q: What will my eDelivery notification look like?

A: Below is an example of the type of eDelivery notification you will receive when statements, prospectuses, or reports are available for viewing.

Q: When can I expect eDelivery notifications from Thrivent Financial?

A: Reference the following charts:

Product	Statement Notifications
Mutual Funds	Quarterly in April, July, October, January
Variable Annuities	Quarterly in April, July, October, January
Fixed Annuities	Annually in January
Variable Settlement Agreements	Quarterly in April, July, October, January
Fixed Settlement Agreements	Annually in January
Variable Life Insurance1	Annually after contract anniversary
Universal Life Insurance1	Annually after contract anniversary

¹ Available for contracts issued in 2004 and later.

Product	Annual Prospectus Notifications2	Annual & Semiannual Report Notifications
Mutual Funds	February end	December end & June end, respectively
Thrivent Real Estate Securities Fund, Thrivent Equity Income Plus Fund, Thrivent Diversified Income Plus Fund	February end	February end & August end, respectively
Variable Annuities and Variable Life Insurance w/ Thrivent Series Fund., Inc.	April end	February end & August end, respectively (Thrivent Series Fund only)

² Thrivent Financial members enrolled in eDelivery will also be notified if any prospectus supplement or related document becomes available.

Q: May I receive both paper and electronic documents?

A: Items can be delivered in one format. You may choose to receive certain documents electronically and others by paper mail. If you would like a paper copy of an electronic document, you may print a copy directly from the website or contact the Customer Service Center and request that a paper copy be mailed to you.

Q: How do I change my eDelivery preference?

A: Simply log into MyThrivent and select Update My Personal Information > Manage My Profile > Preference Center and select Document Delivery. Click U.S. Mail next to the items you wish to receive by paper in the future. You can change your eDelivery enrollment preference anytime.

If you change your eDelivery preference from online to paper, you will lose access to any statements previously delivered online. You may want to save your online statements before making this change. If you'd like to view your statements online in the future, you can do so by re-enrolling in eDelivery.

The time it takes to process your change from electronic delivery to U.S. mail delivery as well as the amount of time any specific document will be delivered to you by U.S. mail will vary.

Q: When will my U.S. mail resume if I un-enroll from eDelivery?

A: When you un-enroll from eDelivery, Thrivent Financial will update your preference change within one business day on average. However, it could take up to 8 weeks for U.S. mail to resume.

Fund prospectuses and reports are always available on Thrivent.com until their next update.

Keep in mind that when you un-enroll from eDelivery, you cannot view annual or quarterly statements online.

Q: What is the Preference Center?

A: A feature within Manage My Profile which helps you manage your email subscription preferences and eDelivery options.

Q: What are the benefits of the Preference Center?

A: The Preference Center allows you to:

• Browse samples of those items available for electronic delivery.
• Manage your email preferences in one central area and opt-in and out of communications that fit your needs.
• Enroll in online delivery which is environmentally friendly and gives you an opportunity to help Thrivent Financial for Lutherans reduce costs associated with printing and postage.
• Prompts you to update and confirm your email address if your email address is not on file.

Q: What type of preferences can a member elect?

A:

• Electronic notification of financial documents and statements.
• Thrivent magazine – A quarterly online publication that features articles on finance, faith, and wellness.
• Financial Insights – A quarterly newsletter for Thrivent Financial members that provides financial commentary expertise, market analysis and a personal connection to your Financial Representative.
• Thrivent Web News – A monthly snapshot of the latest news, features and tools that have been added to Thrivent Financial's websites.

Q: Can I have more than one email address to manage my electronic subscription?

A: No. At this time the Preference Center only stores one email address.

Q: Can I change my preferences any time?

A: Yes. Depending on when you enroll or change a preference, you may not receive the requested format immediately. Based on the document's publication schedule, it may take six to eight weeks for changes to occur in the mailing list management process.

Insurance & Annuities

Q: What is "cash value" and/or "surrender value" in terms of my life or annuity contract?

A: Cash value represents the gross value of your contract. This amount is determined in accordance with the contract. The surrender value is the net value that will be paid in the event you request your contract be surrendered.

For example, surrender values for life insurance equals the basic cash value, surplus refunds if applicable, premium refunds less any premiums due and loan indebtedness.

For some products, such as the fixed annuity, any applicable surrender charges would be deducted from the cash value.

You may wish to review your life or annuity contract for more detailed information. You may also contact a Thrivent Financial representative, call Customer Service or complete an online customer service request form.

Q: How can I find out the contract value of my annuity or life insurance policy?

A: For most annuity and insurance contracts, contract values are available online via MyThrivent 24 hours a day. If you have an annuity or life insurance with Thrivent Financial, but you haven’t signed up for access to MyThrivent, you can register now.

Contract values are also available via automated services 24 hours a day. To get your values, simply call Customer Service.

Q: How can I change my allocation preferences on my variable universal life or annuity contract?

A: For all states except NY: complete the Variable Products Allocation Change form V6406 (PDF, 110K) or the Subaccount Transfer Selection form (PDF, 56K).

You can also contact Customer Service to request allocation change forms or for additional assistance.

Note: any updates you make will only change how future premiums will be applied.

Q: How can I make a withdrawal from my annuity contract?

A: You have a couple different options:

• Download the withdrawal form (PDF, 465K) and the withdrawal form instructions (PDF, 85K).
• Request distribution withdrawal forms (must be logged in; requires a signed authorization).
• Contact Customer Service for additional assistance.

Q: Can I take a loan on my contract? What is the maximum loan available?

A: Generally all non-pension permanent plans of life insurance (not term life insurance or annuities) contain a contract loan provision. A loan may be taken based on the amount of cash value in the basic contract and any applicable accumulated surplus refunds.

Although a loan repayment plan is not required, establishing a repayment plan at time of loan is highly recommended. Repayment restores the contract's cash value and prevents termination of the contract, which could cause tax and/or insurability consequences.

We highly recommend reviewing your contract for the details of your loan provision and contacting a Thrivent Financial representative or calling Customer Service to consider options and implications. To initiate a discussion, you may complete an online customer service request form or send an email to your Thrivent Financial representative.

Q: What would happen if I were to surrender my contract?

A: When you cancel the contract and its coverage and benefits, the surrender value, for those contracts that have value, will be paid to you. There are many effects of a complete surrender. They include:

• Loss of Thrivent Financial benefit membership, if this is your only contract with Thrivent Financial.
• Loss of insurance coverage.
• Replacement with new insurance may cause new contestable and suicide periods to start.
• Possible income and penalty tax consequences.
• Surrender charges, if applicable to the contract.

We strongly recommend you review your life or annuity contract for more detailed information. You may contact a Thrivent Financial representative or call Customer Service. To initiate a discussion, you may complete an online customer service request form or send an email to your Thrivent Financial representative.

Q: What is the interest rate on my variable annuity or life insurance product? How have my subaccounts performed?

A: You can find your current interest rate on your MyThrivent account summary page. If your current interest rate is not available, contact Customer Service for assistance.

Variable annuity subaccount performance is always available online via the Daily Values and Performance page or through automated services.

Variable universal life insurance subaccount performance is available online at VUL Daily Values and Performance or through automated services.

Q: What is the interest rate on my fixed annuity?

A: The amount of interest credited on your Thrivent Financial tax deferred fixed annuity contract will differ based on when you purchased the contract.

If you purchased your contract before 1/1/95, interest is credited on a "portfolio average" basis. This means all account values are credited with the same rate, regardless of when the contract was issued and when premiums were paid. All values are commingled in one large asset base. The overall earned rate, or portfolio rate, of the asset base is used to determine the interest credited to your contract.

For contracts issued on 1/1/95 or after, the credited rate for new business is set on a new money basis. What this means is that the initial credited rate on new business is based on the investment rate that is currently available in the market. Since the initial rate is set on new money basis, rates will vary between contracts depending on when the contract was issued. Thus, the new money rates will move with the rates available in the economy.

The initial credited rate on the contract is guaranteed for one year. The renewal rate on these contracts, determined annually and guaranteed for one-year periods, is based on the initial investments made when the contract was issued. Thus, the renewal rate does not tend to move a lot during the first few years of the contract. Over time, new investments are made to replace the initial investments impacting the credited rate.

Q: What forms are available online?

A: Many forms are available online for your use. All forms for managing your accounts can be downloaded from our Forms page.

Q: Do I have to file a separate claim form for a life premium waiver benefit if I have already filed a claim for my disability income benefit?

A: No, If you have already filed a claim under your disability income contract, this information will be shared with your life insurance premium waiver representative.

Q: How can I get a copy of a statement or tax form?

A: Members who are enrolled in eDelivery may view many of their contract or account statements online. View and service your account information at any time from your MyThrivent accounts summary page. If you’re not yet registered for MyThrivent, you can register now.

You can also contact Customer Service to request a copy of a statement or tax form (requires a signed authorization).

Q: Who do I contact if I have questions about or want to make changes to my Thrivent Financial annuity, life or health contracts

A: Please feel free to contact Customer Service. You can also contact a Thrivent Financial representative if you have questions or need additional assistance.

Online Beneficiary Information

Q: Why is Thrivent moving beneficiary designations online?

A: Helping you protect your loved ones and leaving a legacy is what matters most. The convenience of online beneficiary designations makes it quick, easy and secure for you to make changes. The process saves you time and allows you to focus on your family and financial security.

Q: Why is it important to review and update my beneficiaries on a regular basis?

A: Recently married? New baby? Life events are opportunities to update your beneficiaries. Thrivent recommends you review and update your beneficiary designations at least once a year or any time you have a life event. For example, if your beneficiary moves, you can use the online tool to update their address to ensure Thrivent can contact them should benefits need to be paid out. Also, if you become divorced or widowed, you should review your designation and possibly update it.

Q: Which contracts can I update online?

A: Most beneficiary designations for life insurance and annuities can be updated immediately online. You will need to log-in to Thrivent's website to access the beneficiary designation center and electronic signature process. You can always update your beneficiaries by meeting with your Financial Representative in person. If you would like to make changes by U.S. mail or fax, basic forms are available for you to fill in and return for Life, Annuities and Mutual Funds.

Q: How do I access the online beneficiary designation center on MyThrivent?

A: Go to www.thrivent.com and enter your User ID and Password to log into MyThrivent. Select your life insurance or annuity contract from your accounts and click the beneficiary tab. View your beneficiary designation. To change the information shown, select "create new."

Q: Who can I designate as my beneficiary?

A: The decision is yours to make, we just make it easy. Thrivent provides a list of individual and group relationship types eligible under Thrivent’s bylaws from which you can choose. Children, parents, and 30+ other simple beneficiary designations including Living Trusts are easy to select. However, complex beneficiary changes, such as 501(c)(3) charitable designations are not available online. Please consult your Financial Representative for assistance.

Q: How do I update only one part of my current beneficiary designation?

A: A beneficiary designation cannot only be partially changed. In order to make a change to a current beneficiary designation, you must create a new designation. When you create the new designation, you can rename any individuals or groups that you want to keep as a beneficiary.

Q: What will happen to my previous beneficiary designation?

A: Your previous beneficiary designations will automatically be revoked by your new online designations. Your beneficiary designation will be effective based on the date you sign the online electronic form.

Q: What if I don't know my beneficiaries' social security numbers. Can I still enter them into MyThrivent?

A: Yes, you can. Social Security information, date of birth and address are optional and can be obtained directly from the beneficiary if benefits become payable.

Q: How do I sign and approve the change?

A: After you enter your information online, you will be presented with a filled beneficiary designation form. To make the change effective, you will be required to sign the form electronically which is a "click and easy" process.

Q: Will I receive a confirmation of my new beneficiary designation?

A: Yes. You will be able to download, save and print a PDF copy of your beneficiary designation immediately after the electronic signature process. Your updated beneficiary designation will also display in your account after you sign the online form. Lastly, you will receive a confirmation letter via U.S. mail and your Thrivent Financial Representative will be notified of the change.

Mutual Funds: Personal Accounts

Q: What does the Mutual Fund Account Access service do?

A: Mutual Fund Account Access is available 24 hours a day. You can perform a number of different functions including: viewing number of shares owned, account values, dividend histories, recent transactions, fund share prices, and perform certain transactions. Transaction capabilities include purchases, exchanges, distributions, ordering additional checkbooks and duplicate tax statements.

Q: Do I need to know my mutual fund account numbers?

A: No. When registering for access to your personal mutual fund account information, an account number is not needed. Note: You will need to provide an account number to access your trust and business accounts.

Q: How do I access my mutual fund account after I log in?

A: After you log in, a Financial Summary of your accounts will display. Click on the account you wish to access. The Account Position page for that account will then be displayed. If a joint account is not a link, read the "How do I access my jointly held mutual fund accounts" question below.

Q: How do I access my mutual fund account detail statement online?

A: Review the following instructions for accessing different statements online:

How to access your mutual fund statements dated March 31, 2011 and prior (PDF, 304K).

How to access all other product statements and the Quarterly Thrivent Financial Review (PDF, 632K).

Q: Can I access my personal, trust, and business accounts using the same login?

A: No. To access your personal mutual fund accounts, enter your User ID and Password in MyThrivent. To access trust and business accounts, click Mutual Funds – Trust and Business Accounts and log in using the account number, Tax Identification Number (TIN) and PIN.

Q: How can I find the value of my mutual fund?

A: For most accounts, mutual fund account values are available online via MyThrivent 24 hours a day. If you have a mutual fund account, but you haven't signed up for access to MyThrivent, you can register now.

You can also contact Customer Service for assistance.

Q: How can I access my mutual fund portfolio page?

A: Click on MyThrivent and enter your User ID and Password, then click on an account from the Financial Summary page. Select Portfolio Account List. Your mutual fund personal account portfolio will be displayed.

Q: How do I access an account where I am the custodian or guardian?

A: Click on MyThrivent and enter your User ID and Password. You will see your Financial Summary page. This will include any accounts that list you as a custodian or guardian.

Click on the account you want to access. The Account Position page will display, allowing you to view and conduct certain transactions. If you would like to view all mutual funds accounts that show up on the same statement, simply click on Portfolio Account List.

Note: In order to conduct transactions on different accounts, you must return to your Financial Summary page (not the mutual fund Portfolio Account List) by clicking on Back to My Accounts. Click on the next account for which you would like to conduct a transaction. If you are only viewing information, you may click through multiple accounts from the mutual fund Portfolio Account List without returning to your Financial Summary page.

Q: How do I access my jointly held personal mutual fund accounts?

A: Access to your jointly held mutual fund is dependent on who is assigned as the primary owner. The primary owner is the individual whose Social Security number is designated for tax reporting.

To access your jointly held mutual fund accounts:

1. Click on MyThrivent and enter your User ID and Password. The Financial Summary page will be displayed. If you are the primary owner, the mutual fund account will appear as a link in the Summary table.
2. Click on a mutual fund account number to display the Account Position page, which allows you to view account detail and perform transactions.
3. To view your mutual fund account portfolio, click on Portfolio Account List on the Account Position page. Note: If the account number on the Financial Summary page is not a link, you are not the primary owner and will need to follow the instructions below.

For non-primary owners of joint accounts:

If you are not the primary owner on the joint account, the account number will display in the Summary table on the Financial Summary page, but it will not be a link. Unless you have other individual accounts that show up on the same statement as the joint account, no further information is available online at this time.

1. If you have individual accounts that show up on the same statement as the joint account, click on one of your individually owned mutual fund accounts from the Financial Summary page.
2. At the individual account detail, click on Portfolio Account List to view your mutual fund account portfolio where the joint account will be listed. You will only be able to view information on the account; no transaction capability exists. Transactions must be performed via the primary account owner’s login.

Q: Will my account be charged for doing online transactions?

A: No. There is no transaction-related charge. Keep in mind, mutual funds, except the Money Market Fund, may have either an up-front or back-end sales charge depending on the class of shares you own.

Q: What is the confirmation number?

A: The confirmation number is one all-inclusive code that Thrivent Investment Management, Inc. uses to track all online shareholder transactions. The confirmation number is 850.

Q: Do all shareholders have access to the same features/options (e.g., exchanges, redemptions, purchases, transfers, check writing, tax information, transaction history)?

A: Each shareholder's account is unique. A shareholder can choose to have his/her local bank account on file with Thrivent Investment Management, Inc. This means that when the shareholder decides to process a redemption online, his/her check can be mailed to the shareholder's address of record or to a specified bank.

If the shareholder has not provided us with their local bank account information, the redeemed shares are sent to the account's address of record.

Q: Is this service secure?

A: Yes. To maximize the security of shareholders’ accounts:

• Transactions are only allowed on existing accounts and can only occur by methods specified by the shareholder in writing and approved by Thrivent Investment Management Inc.
• A user ID and password are set up by the shareholder and known only to the shareholder. The password can be changed at any time – as often as the shareholder feels comfortable.
• Redemptions are not allowed online if the account's address of record has changed within the past 30 days.

Q: What mailing addresses should I use when sending requests or paperwork to the Thrivent Mutual Funds?

A: For U.S. mail:

Thrivent Mutual Funds
PO Box 219348
Kansas City, MO 64121-9348

For express delivery:

Thrivent Mutual Funds
330 W 9th Street
Kansas City, MO 64105

Q: Can I fax paperwork to Thrivent Mutual Funds?

A: Yes. The Thrivent Mutual Fund fax number is 866-278-8363.

Q: Can Thrivent Financial accommodate a TTY or TTD via a relay service for those that are hearing impaired?

A: Thrivent Financial can receive TDD phone calls from our members through their state relay service. However, Thrivent Financial does not have a direct TDD number for members at this time.

Q: Who do I contact if I have questions about my mutual funds?

A: As always, you may wish to speak with a Thrivent Financial representative. You can also contact Customer Service.

Mutual Funds: Trust & Business Accounts

Q: What does this service do?

A: Mutual Fund Account Access is available 24-hours a day. You can perform a number of different functions including: viewing number of shares owned, account values, dividend histories, recent transactions, fund share prices, and perform certain transactions. Transaction capabilities include purchases, exchanges, distributions, ordering additional checkbooks and duplicate tax statements.

Q: What do I need on hand before using this service?

A: You will need:

• Trust or business’s Tax Identification Number (TIN), which may be your Social Security number for a trust.
• Personal Identification Number (PIN).
• Account statement to locate the names of the mutual fund you own and the specific account numbers.

Note: When entering the account number, only enter the digits following the dash. Do not enter the 3-digit prefix shown on the statement. Enter only your account number.

Q: Can I access my trust, business and personal accounts using the same login?

A: No. To access a trust or business mutual funds account, click Mutual Funds – Trust and Business Accounts on the MyAccounts page and log in using your account number, Tax Identification Number (TIN) and Personal Identification Number (PIN). To access your personal account(s) simply log in with your User ID and password.

Q: How do I locate my account and fund numbers?

A: Your account and fund numbers are located on your account statements and account activity confirmations. You do not need to know individual mutual fund numbers, only the names of the funds you own. The funds are listed in order from greatest risk to least risk within the scroll-down menu.

Q: What's my PIN?

A: Your PIN (personal identification number) is something you set up the first time you access your mutual fund accounts online. This personal code must include four to twenty characters. For security purposes, keep your PIN confidential.

Q: If I change my online PIN, is my phone system PIN automatically changed?

A: No. Each system requires separate PIN authentication. If you want the PINs to be the same, you have to set them up that way.

Q: How do I change my online PIN?

A: Change your PIN by logging in to the system (select a fund, enter an account number, Social Security number and/or tax identification number and your existing PIN), click on Manage my Profile and then Change Password.

Q: Will my account be charged for doing online transactions?

A: No. There is no transaction-related charge. Keep in mind, mutual funds, except the Money Market Fund, may have either an up-front or back-end sales charge depending on the class of shares you own.

Q: What is the confirmation number?

A: The confirmation number is one all-inclusive code that Thrivent Investment Management, Inc. uses to track all online shareholder transactions. The confirmation number is 850.

Q: Do all shareholders have access to the same features/options (e.g., exchanges, redemptions, purchases, transfers, check writing, tax information, transaction history)?

A: Each shareholder's account is unique. A shareholder can choose to have his/her local bank account on file with Thrivent Investment Management, Inc. Meaning, when the shareholder decides to process a redemption online, he/she can receive money in check form to the shareholder's address of record or to a specified bank. If the shareholder has not provided us with their local bank account information, the redeemed shares are sent to the account's address of record.

Q: Is this service secure?

A: To maximize the security of shareholders’ accounts:

• The login process requires entering personal identification numbers like Social Security number, account number and PIN.
• Transactions are only allowed on existing accounts and can only occur by methods specified by the shareholder in writing and approved by Thrivent Investment Management Inc.
• PINs are set up by the shareholder and known only to the shareholder. They can be changed at any time.
• Redemptions are not allowed online if the account's address of record has changed within the past 30 days.

Q: What mailing addresses should I use when sending requests or paperwork to the Thrivent Mutual Funds?

A: For U.S. mail:

Thrivent Mutual Funds
PO Box 219348
Kansas City, MO 64121-9348

For express delivery:

Thrivent Mutual Funds
330 W 9th Street
Kansas City, MO 64105

Q: Can I fax paperwork to Thrivent Mutual Funds?

A: Yes. The Thrivent Mutual Fund fax number is 866-278-8363.

Q: Can Thrivent Financial accommodate a TTY or TDD via a relay service for those that are hearing impaired?

A: Thriven Financial can receive TDD phone calls from our members through their state relay service. However, Thrivent Financial does not have a direct TDD number for members at this time.

Q: Who do I contact if I have questions about my mutual funds?

A: As always, you may wish to speak with a Thrivent Financial representative. You can also contact Customer Service.

Online Payment Center

Q: What type of payments and purchases can I make online?

A: Using the Payment Center, you can make one-time, online payments for:

• Traditional, universal and variable universal life insurance.
• Fixed and variable annuities.
• Group bill accounts.
• Disability insurance, long-term care insurance, Medicare Supplement insurance.
• Mutual fund purchases.

Q: How do I make a payment or purchase?

A:

1. Log in to MyThrivent. Click on a Pay Now or Purchase Now button that appears next to the contract or account you wish to pay.
2. Set up your bank account information. The first time you visit the Payment Center, you will need to establish your financial institution and bank account. Your financial institution information will be saved.
3. For an annuity or insurance product, select the premium amount displayed for your contract type. For a mutual fund product, enter the amount you wish to invest into your account. Note: contract or account minimums may apply and you will not be able to make a payment or purchase less than your premium or minimum purchase threshold.
4. Click Submit to authorize your payment or purchase.
5. At the confirmation screen, answer your unique challenge question to complete your payment or purchase. Check your email for payment or purchase confirmation.

Q: What is the payment or purchase confirmation number?

A: The confirmation number is a unique identifier that the Payment Center automatically assigns to each payment or purchase. You will receive a payment or purchase confirmation by email. If you need to make a change to a pending payment or purchase, refer to the confirmation number you received.

Q: How do I view my pending payment or purchase?

A: To view all pending payments or purchases, go to your MyThrivent account summary page and check the Payment Center tab. From this page, click on the appropriate link to edit and delete payments or purchases any time as long as the payment or purchase is still in a pending status. Payments or purchases that have a status of “In progress” cannot be edited or deleted.

Q: How do I view my payment or purchase history?

A: All of your completed payments for an annuity and/or insurance product will appear in the payment history tab on your MyThrivent account summary page. For mutual fund purchases, select your mutual fund account from your MyThrivent summary page, then click the history link in the “What can I do” box to view your account history.

Q: When will my payment or purchase be applied?

A: Your payment or purchase will be applied on the effective date you selected. Your request must be made prior to 3:00 p.m. Central Standard time, on a Thrivent business day, in order for the payment, purchase or contribution to be applied or invested that day.

Q: When will my payment or purchase post to my account?

A: Payments or purchases may take up to 2 business days to post to your account. Payments or purchases will only be applied on Thrivent Financial business days.

Q: Can I schedule a payment or purchase on a weekend or holiday?

A: No, the calendar does not allow non-business days to be selected.

Q: How do I cancel or modify my payment or purchase?

A: To make changes, log in to MyThrivent and change your payment or purchase in the pending payments area of the Payment Center tab. Select the Modify option to change payment or purchase date or amount. Select Delete to cancel the payment or purchase entirely. If you have additional questions, you may contact Customer Service.

Q: What if my pending payment or purchase is not accurate?

A: To view all pending payments or purchases, log in to MyThrivent and check the Payment Center tab. You can click on the Edit or Delete links as long as the payment or purchase is still in a pending status. Payments or purchases that have a status of "In Progress" cannot be edited or deleted. If you need to correct a payment or purchase after it is in an "In Progress" status or has already been processed, you will need to contact your bank.

Q: Are there special restrictions for cancelling or modifying my payment or purchase?

A: Yes. You can only modify or delete a payment or purchase online as long as the payment or purchase is still in a "Pending" status. Otherwise, you will need to contact your bank.

Q: Can I change my automatic bank withdrawal or establish a direct, recurring payment or purchase through the Payment Center?

A: Payment Center is for one-time payments or purchases. Look for more enhancements to come as we continue to improve the online tools and capabilities for our members. You can establish or modify a direct, automatic payment plan by using Billing and Payment Form 6568 (PDF, 50K) or Automatic Investing Plan Form 6568MF (PDF, 50K).

Q: What should I do if I cannot authorize my payment or purchase?

A: For your protection and security, the Payment Center requires authorization to complete your online transaction. You will need to answer one of three randomly presented "challenge" questions. These challenge questions were selected and answered by you when you created your User ID and Password for MyThrivent.

Changes to your challenge questions can be made by going to MyThrivent > Manage My Profile > Change Password. Note: If you cannot answer the challenge question, any payment or purchase information you have entered will be lost, and you will need to reschedule the payment or purchase within the Payment Center tab.

Q: Why does the Pay Now button not display for my contract or account?

A: If your contract or account does not allow for payments or purchases to be made, you will not see a Pay Now or Purchase Now button. If you think you should be able to make payments to your contract or account, please contact Customer Service.

Q: Why can't I make a payment when my contract values display as "currently unavailable?"

A: This may be due to partial payments or settlement options that are pending and may be applied to your current contract. If you try to make a payment 21 days before the contract anniversary date, you may be unable to make an online payment. In this situation, the Pay Now button will not display.

Q: What if I make a payment or purchase that is under/over my required amount?

A: Based on your account ownership and contract or account type, Thrivent Financial has certain minimum and maximum payment or purchase amounts that are allowed. If you attempt to make a payment or purchase outside these parameters, the transaction will not be completed.

Q: Can someone else make a payment or purchase for me?

A: Thrivent Financial representatives and customer service professionals cannot make, schedule, modify or delete your payment or purchase. Because this is an internet transaction authorized by you from your personal bank account, no one else can take action.

Q: What bank account numbers does Thrivent Financial need to be able to accept my online payment or purchase?

A: Thrivent Financial will require your bank account number and your bank's routing number. The bank routing number is located at the bottom of your check. Your account number is a series of digits that follows the routing number.

Q: What if I did not have sufficient funds in my bank account and I scheduled a payment or purchase?

A: If a payment or purchase is returned to Thrivent Financial for insufficient funds, the payment or purchase will be reversed, and you will be notified of your contract or account status.

Q: Can I schedule a payment or purchase from a foreign bank account?

A: Foreign bank accounts cannot be used.

Q: Can I use the Payment Center to make payments or purchases for my other household expenses?

A: No. The Payment Center is only for paying your Thrivent Financial premiums online or making a purchase into an existing mutual fund that you own. Thrivent Financial Bank offers a complete online bill pay center for your convenience. Visit Thrivent Financial Bank to open a checking account today.

Q: What are the Terms and Conditions for the Payment Center?

A: The Terms and Conditions are a complete and exclusive statement of the agreement between you and Thrivent Financial regarding online payment or purchase transactions. The Terms and Conditions contain information about authorization, liability, and limitation issues when using the Payment Center.

The Terms and Conditions document provides details about the following items:

• Payments or purchases that are prohibited.
• Minimum and maximum payment or purchase types.
• Password and security information.
• Errors or questions about your transactions.
• Situations in which your account information can be disclosed to third parties.
• Payment or purchase transactions that are returned due to non-sufficient funds.
• Notification requirements for termination or discontinuation of Payment Center.

See System Requirements for information regarding security, encryption and recommended browsers.

Quicken Mutual Fund Download

Q: What is Quicken?

A: Quicken is a popular personal finance software program. It allows users to consolidate information about their financial products in one place and provides tools to help analyze their financial situation.

Q: What versions are supported?

A: Thrivent Mutual Fund downloads require Quicken 2011 or a more recent version of the software. This is due to a software limitation on earlier versions. If earlier versions are used, an error message will show up in Quicken when importing the data.

Q: How do I download my information to Quicken?

A: Visit the MyAccounts page and click the Download to Quicken button. Then select the accounts you want to import and click on submit. You must be a registered user to do this.

Q: How much information is downloaded to Quicken?

A: The first download will pull between 18 and 24 months of transaction data. Subsequent downloads will only pull in transactions not downloaded before. Transactions that are older can be manually entered.

Q: I am getting an error when I try to download multiple accounts. What should I do?

A: Please call our Customer Interaction Center at 800-847-4836 for assistance. A Customer Service Professional can help link the accounts to prevent this error from occurring.

Q: Where can I find additional information about Quicken?

A: The Quicken website has additional information about the product and how it can be used.

Q: Does Thrivent support any other financial planning tools?

A: Yes, some products can be downloaded to FinanceWorks™ (offered by Thrivent Financial Bank) and Mint.com.

Securities Brokerage Services

Q: How do I view my brokerage account online?

A: First, register for online access to MyThrivent. If you have not yet done this, you can register now.

Then, call the Customer Service and mention "brokerage" and the customer service professional will be able to link your brokerage account to your MyThrivent account over the phone.

Once the accounts are linked, you will be able to view your brokerage account online within 48 hours.

Q: How do I get money from my brokerage account?

A: First, be sure there is enough money in the account for the redemption. If not, you will need to work with a Thrivent Financial representative to help facilitate a trade to raise the cash. You can also work with Securities Brokerage Services by calling Customer Service.

To make a redemption request for a qualified account, ask for the IRA One Time Distribution form. Non-Qualified distributions to the address of record can be requested as well.

Q: Can I fax in paperwork?

A: Yes. Most forms can be faxed to Securities Brokerage Services at 816-218-1129. For some account transfer forms, you may need to mail us the originals.

Q: What mailing address should I use when sending requests or paperwork to the Securities Brokerage Services?

A: For U.S. mail:

Securities Brokerage Services
Thrivent Investment Management Inc
PO Box 8004
Appleton, WI 54912-9864

For express delivery:

Securities Brokerage Services
Thrivent Investment Management Inc
4321 N Ballard Rd
Zone 5
Appleton, WI 54919

Q: Who do I make my check payable to?

A: For all products (Retail, Thrivent Advisor, SELECT, etc.), make checks payable to National Financial Services LLC.

Traditional Life Contracts

Q: What is an Automatic Premium Loan (APL)?

A: The automatic premium loan provision states that if a premium becomes due and is not paid within the grace period, the premium rate is charged as a loan against the cash value of the contract. Interest will accrue daily on this loan at the rate specified in the contract.

To pay the loan, please write “loan payment” and the contract number in the memo area of your check and send to:

Thrivent Financial for Lutherans
PO Box 8062
Appleton, WI 54912-8062

Q: What is a non-forfeiture option (NFO)?

A: Traditional life contracts require payments to be made at the appropriate times. If a payment is not received, the insured has options to maintain his or her contract. This is a contractual option at the time of issue. There are several non-forfeiture options:

• Automatic Premium Loan (APL) – the premium is paid by a loan taken from your insurance policy’s cash value (this is the default NFO).
• Reduced Paid-up (RPU) – the contract’s face amount is reduced to an amount where no additional premium would be needed.
• Extended Term Insurance (ETI) – the contract is converted to term insurance. The contract’s value is used to extend this term coverage as far as the value will carry it.

Trust & Investment Services

Q: How do I access my trust account online?

A: A separate user ID and PIN is necessary to access trust accounts online for Trust and Investment Services.

• You may request online account access for your Trust and Investment Services accounts by calling 877-225-8345.
• You will be provided with an access ID and PIN.

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