Thrivent Financial for Lutherans - Planning: Tools and Services

Planning Tools & Services > Life Events > Starting Out

Starting Out

You've toiled, you've studied-and now you've graduated. You've finally made it to the "real world." Congratulations!

Now what?

As you take your first steps out on your own, Thrivent Financial for Lutherans can help you with the financial products and services you need.

Your Accounts

___	If you're changing your address, remember to notify Thrivent Financial for Lutherans to make sure all your accounts are up-to-date.
		Call the Customer Interaction Center at 800-847-4836.
		Edit My Information: If you already have online access to your insurance and annuity accounts, you can update your information online and get forms to change your beneficiary.
		Thrivent Mutual Funds: If you have online mutual fund account access, you can also update your information online.
		Call Thrivent Financial Bank toll-free at 866-226-5225 or e-mail bank@thrivent.com.

Insurance

___	Major medical insurance may help cover your needs, if you're no longer covered by your parents' medical insurance policy.
___	Disability income insurance can help reduce the financial impact if a disability prevents you from earning an income.
___	Life insurance is a wise purchase, providing coverage for today as you look toward the future.
		Term life insurance can provide coverage for your immediate needs at a low cost.
		Permanent life insurance, while requiring a somewhat higher premium, provides lifetime coverage while accumulating cash value that can be important in the future.
___	Insurance & Investments Glossary can help you understand some of the most common terms in the financial services industry.

Investments

___	Mutual funds available from Thrivent Investment Management, Inc. are great for saving toward big purchases, like a car or home.
___	Automatic Investment Plans: Invest conveniently-for as little as $50 a month.
___	Investment Education Center: Learn more about the basics of investing.

Banking

___	Checking accounts from Thrivent Financial Bank offer a free VISA® Check Card to help you handle daily expenses.
___	Savings accounts: Build your emergency fund or save for a big purchase.
___	Credit cards with competitive rates and attractive benefits can help you build a good credit rating.
___	Online banking with online bill payment-available 24 hours a day-makes it easy to bank anytime, anywhere.
___	Auto loans offering up to 100% financing, are available to help you purchase your first vehicle.
___	ATM Security and Identity Theft: Learn to protect yourself and your credit.
___	Credit Card and Debit Card Fraud Protection: Keep your new credit rating clean.

Planning Tools & Services

___	A LifeMap® financial plan will help you set a course for your financial journey through the development of an objective, in-depth financial plan.
___	The Career Center has information about rewarding careers with Thrivent Financial for Lutherans.
___	IRAs offer tax advantages for retirement planning. The power of time is incredible when it comes to accumulation. It's never too early to begin contributing to your plans.
___	The Personal Expense Worksheet is helpful as you plan your budget.
___	Savings Calculators show you how to save money for a major purchase.
___	Our seminars about financial topics give you information and perspective as you plan for your financial future.

Fraternal

___	The Chapter System of Thrivent Financial for Lutherans is a way to give back to your church and community through volunteerism.
___	Locate your local chapter.
___	Simply Giving^® makes your church contributions or Lutheran school tuition payments easy through electronic funds transfer—right from your checking or savings account.
___	Educational and informational benefits are available to members at no cost.
___	Order benefits online in Members/Chapters. (First-time users will need to register.)

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Locate Your Financial Representative

Your Thrivent Financial representative is there to answer your questions about life insurance or investments as you plan for one of the biggest purchases you'll ever make—your home. Call or e-mail your financial representative today!