Each premium payment you make earns its own competitive rate of interest—which is always locked in for one full year.

Flexible premium payments
You can make premium payments to a Security Plus annuity when you want, in the amount that suits you. Start with a $1,000 (IRA account) or $2,000 (non-IRA account) initial payment and make additional payments of at least $100 as often as you like.*

Versatility
Security Plus also adds versatility to your saving program by providing access to your cash should you need it sooner than expected. You can withdraw up to 10% of your accumulated value in any year without paying a surrender charge.**

*Subject to IRA maximum annual contribution limits.
**The taxable portion of each annuity distribution is subject to income taxation. If a taxpayer is younger than 59 1/2 at the time of distribution, a 10-percent federal tax penalty will apply to the taxable portion of the distribution unless a penalty-tax exception applies.

Security Plus Features

Guaranteed interest rate Competitive interest rate guaranteed for one full year from date of each premium payment. In subsequent years, the initial rate for new premiums may change as interest rates fluctuate. Thrivent Financial also guarantees the rate will never fall below a certain level.*   Minimum initial premium** Maximum premium*** Minimum additional premium Guaranteed return of premium Free withdrawals up to 10% $2,000 (Non-IRA account) $1,000 (IRA account) $1,000,000 $100 Receive no less than the sum of all premiums paid, less any previous withdrawals, at termination. Withdraw up to 10% of accumulated value each year without penalty.   Surrender charges-(Rolling)**** Year 1 2 3 4 5 6 7 8+ Charge 7% 6% 5% 4% 3% 2% 1% 0% A separate, or "rolling," surrender charge applies to each premium payment.   Surrender charge waivers+ The surrender charge is waived in the following situations: Annuitization Death of annuitant Confinement to nursing home++ Early Advantage (substantially equal periodic payments) Terminal illness Death benefit Pay out options Charges Beneficiary receives full accumulated value - no surrender charges apply. Pay out options include interest income only, fixed amount, life income or required minimum distributions. Fees may be charged if accumulated value is less than $5,000 on the third and subsequent anniversaries. Fees are lesser of $30 or 2.0% of accumulated value.   Guarantees backed by the financial strength of Thrivent Financial for Lutherans. *Guaranteed minimum interest rates vary by state. **Exceptions exist for certain types of qualified plans. ***Higher amounts permitted with approval. ****Charges are based on a percentage of the amount surrendered. +Some limitations might apply. ++Nursing home confinement waiver is not available in all states.

Your Thrivent Financial representative can help
Contact your financial representative for more information about a Flexible Premium Deferred Annuity or Single Premium Deferred Annuity from Thrivent Financial for Lutherans. He or she can provide you with costs, complete details of coverage, exclusions, reduction of benefits, and terms under which the contract may be continued in force or discontinued.

Contract Forms: A-AF-FPDA (04)

20432WE           R1-04

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