Universal Life—Lifetime Protector
Sound, simple and secure protection

A Lapse Protection¹ feature is built into Universal Life—Lifetime Protector. The Lapse Protection feature helps ensure your contract will remain in effect, even if the Cash Surrender Value is insufficient to cover the monthly deductions.

Securing a lifetime of protection with sound planning today.

Customize your coverage²
Universal Life—Lifetime Protector is a simple life insurance solution with the most frequently asked-for options, helping you customize your coverage.

• Coverage will continue if you become disabled
  With the Disability Waiver of Monthly Deductions Benefit, Thrivent Financial will waive the monthly deductions of your life insurance contract, as well as any optional riders included on the contract. This benefit will become payable if you become totally disabled under the terms of the rider and your disability continues for six months or longer.³

• Additional coverage in the event of an accidental death
  The Accidental Death Benefit will pay an additional amount in the event of your accidental death. You’ll have the comfort of knowing that additional funds will be paid to assist your family with unexpected financial costs.

• Increased coverage at important times in your life
  The Guaranteed Increase Option Benefit ensures that you will be able to increase your coverage at designated times in the future, regardless of your health. Coverage increases are available at specific ages or upon certain life events.⁴

1 Lapse Protection provides a lifetime guarantee that is dependent on the timing and amount of premium payments, loans and/or withdrawals. To guarantee the contract will remain in force when the Cash Surrender Value is insufficient to do so, the Lapse Protection Balance less loan payoff must be greater than or equal to zero. The Lapse Protection Balance is a calculation based on a set of alternate cost of insurance charges, interest rate and expense charges, all disclosed in the contract. Universal Life—Lifetime Protector is not intended as an accumulation product. Loans and/or withdrawals can have a serious impact on the ability of the Lapse Protection to remain active and are therefore not recommended. Contract guarantees are based upon the claims paying ability of the insurer.

2 Optional benefits are available at extra costs.

3 Limitations and exclusions may apply.

4 Increases to coverage will result in increased monthly deductions and new decrease charges.

This information applies to Flexible Premium Adjustable Life Insurance contract form U-UP-UL (06) series.

This product not available in MA.

Contact your Thrivent Financial representative for costs and complete details of coverage. Like most insurance contracts, this contract has exclusions, limitations, reduction of benefits and terms under which the contract may be continued in force or discontinued. Contract features vary in some states.

Independent insurance rating agencies have consistently given Thrivent Financial for Lutherans high marks for our financial strength. Ratings for financial strength are the ratings agency's opinion of a company's ability to meet its obligations to policyholders, now and in the future.

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