Thrivent Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Thrivent Score
3.5 Stars
Thrivent was founded in 1902 as an aid agency specifically for members of the Lutheran Church. Today, Thrivent focuses on providing financial advice, investments, insurance, banking, and generosity programs. Coverage is not offered in all states.
Thanks to its history and financial strength, Thrivent has earned a reputation as a stable insurance company with a positive outlook for the future. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Thrivent Financial an “A++” (Superior) rating, indicating the carrier is a great choice for insurance customers. High ratings from AM Best assure customers that Thrivent can offer guaranteed, secure coverage from a financially sound carrier.
We award Thrivent a final rating of 3.5 out of 5 stars. The company has been around for more than a century, and it seems the carrier has used this time to its advantage. Thrivent has received high ratings from AM Best and the Better Business Bureau, and has been accredited by the latter organization.
Coverage is not offered in all states, and the company's product catalog is somewhat limited, with a focus on life insurance, annuities, disability income insurance, and long-term care insurance.
Thrivent provides 24/7 online claims reporting for its life insurance products and claims reporting by phone for its other products. The company offers online bill pay and account management, and it lists its business hours for the customer service department on its official website.
There also is not much specific information about the carrier’s coverage on their official website, but it does provide the ability to request a quote and offers a claim response time frame promise. It is challenging to find any customer feedback about the insurance company online, but the few reviews available are a mix of positive and negative.
If you're looking for life insurance coverage, annuities, disability income insurance, or long-term care insurance, review your options for trusted carriers with your independent insurance agent.
Thrivent Pros and Cons
Consider the following pros and cons when evaluating Thrivent as a potential insurance carrier.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Thrivent Products
Thrivent is a specialized insurance company, with a focus on financial and investment products. The company offers the following insurance products:
- Life insurance
- Disability income insurance
- Long-term care insurance
- Medicare supplements
Your independent insurance agent can help you find more information about the coverage offered by Thrivent, and can help you decide if this insurance company is right for you.
What Discounts Does Thrivent Offer?
Thrivent does not provide information about any discounts it might offer. An independent insurance agent can help you find out how to qualify for the best rates from Thrivent.
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Thrivent Customer Service
Thrivent offers an online claim form for its life insurance policyholders. Other policyholders can file claims by phone. The carrier also provides the following customer service options.
- Online bill pay
- Email contact option
- View and manage accounts online 24/7
Customer service department is available by phone during the following hours:
| Days | Hours (CST) | ||
| Monday-Friday | 7 am - 6 pm | ||
| Saturday | Closed | ||
| Sunday | Closed |
The best way to make sure you have a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can focus on what's important.
Thrivent FAQs
Life insurance policyholders can report the death of a loved one either by phone or via an online form. Thrivent will respond to the beneficiaries of record within ten days of receiving the notice.
The company does not provide a response time frame for claims made by its disability income, long-term care, and Medicare Supplement policyholders.
Thrivent's customer service phone line is available Monday-Friday, 7:00 am-6:00 pm. There is also an online fillable contact form for customer service inquiries.
The carrier’s social media presence extends across Facebook, X, LinkedIn, and Instagram, which makes them a bit more available to customers.
Thrivent offers a couple of options for claims reporting. The following steps are the documented claims process found on Thrivent's website.
- Notify Thrivent
- Provide documentation
- Claims review
- Payment
If customers have questions about filing or the claims process itself, they can contact the carrier via phone, email, or online form, or get in touch with their independent insurance agent.
Thrivent's website is currently undergoing an update. As of this writing, users are re-routed to the older site for most information. This site displays an adequate amount of information, but would benefit from easier navigation and more information about the claims process. It remains to be seen how the new site will differ.
https://www.thrivent.com