Thrivent Financial stands out as one of the top-rated long-term care insurance providers in 2025, boasting exceptional financial ratings: A++ from AM Best, Aa2 from Moody's, and AA+ from S&P Global. With a perfect COMDEX rating of 100, Thrivent offers both traditional and hybrid long-term care insurance products with highly customizable features.

Why We Recommend Thrivent

"My favorite thing about Thrivent is the price. When we compare all the companies, Thrivent is in our top one or two." - Darrick Wilkins, LTC Tree

As independent agents who compare every major carrier, we've found Thrivent consistently delivers exceptional value. Our families have deep roots with Thrivent—many of us grew up with Lutheran Brotherhood (founded in 1908, now Thrivent) policies. Thrivent was one of the pioneers in long-term care insurance, offering coverage since 1987. This personal experience, combined with our professional analysis, makes us confident in recommending Thrivent.

Why Consider Thrivent for Long-Term Care Insurance?

As independent agents, we compare Thrivent against all major carriers including Mutual of Omaha, National Guardian, Northwestern Mutual, and others. Here's what makes Thrivent unique:

Financial Strength

• Fortune 500 company
• A++ rating from AM Best (highest possible)
• Aa2 from Moody's, AA+ from S&P Global
• Perfect COMDEX score of 100

Rate Stability

• Last rate increase: 2004
• Over 20 years of stable premiums
• One of the best rate histories in the industry

Product Flexibility

• Traditional long-term care insurance
• CareForward hybrid product (life + LTC)
• Benefit periods up to 8 years (most carriers max at 5)
• Extensive customization options

Christian Values

• Fraternal benefit society structure
• Not-for-profit organization
• Serves Christians and their families
• Founded as Lutheran Brotherhood in 1908

Member Benefits

• $564 million in dividends and benefits paid in 2025
• Highest annual payout in company history
• Consistent dividend payments to policyholders
• Member-owned mutual structure

Thrivent's Current Long-Term Care Insurance Products

1. Traditional Long-Term Care Insurance

Thrivent's traditional LTC policies offer comprehensive coverage with exceptional flexibility:

Benefit Amounts: Monthly benefits ranging from $1,500 to $15,000 Elimination Periods: Choose from 30, 90, or 180 days (with 0-day elimination for home care) Inflation Protection: Multiple options including 1%, 2%, 3%, or 5% compound inflation riders Benefit Period: Extensive options from 2 years up to 8 years, plus lifetime coverage (most companies max out at 5 years)

Key Features:

• Shared Care Benefits: Couples can share unused benefits if one spouse exhausts their coverage
• Cash Benefit Rider: Receive benefits as cash payments to pay informal caregivers
• Survivorship Benefit: Surviving spouse pays no premiums after partner passes away
• International Coverage: Benefits available for care received outside the U.S.

Covered Services:

• Home care and home health care
• Assisted living facilities
• Nursing homes
• Adult day care centers
• Hospice care
• Equipment and home modifications

2. CareForward Hybrid Product

Thrivent's CareForward combines life insurance with long-term care benefits, offering:

• Death benefit if LTC benefits aren't used
• Premium guarantees (no rate increases)
• Return of premium options
• Asset-based funding strategies

Note: While Thrivent's traditional long-term care insurance is among the best in the industry, their hybrid product is less competitive compared to offerings from companies like Lincoln Financial or Nationwide. We're honest about this because we work for you, not the insurance company.

Eligibility Requirements

Important: Thrivent membership requires a Christian Common Bond. Applicants must be:

• Christians seeking to live out their faith, OR
• The spouse of an eligible Christian member

This faith-based requirement is integral to Thrivent's identity as a fraternal benefit society.

Pros and Cons of Thrivent LTC Insurance

Pros:

✓ Exceptional financial strength (A++ rating, COMDEX 100) ✓ Highly customizable policies ✓ Often the lowest premium among A++ rated carriers ✓ Member dividends and benefits ✓ Both traditional and hybrid options available ✓ Comprehensive coverage options including shared care ✓ No rate increases on hybrid products ✓ One of the top 1-2 carriers for traditional LTC insurance

Cons:

✗ Christian membership requirement limits eligibility ✗ Not available in all states ✗ Hybrid product less competitive than traditional offering ✗ Limited agent network compared to larger insurers

How Thrivent Compares to Competitors

As independent agents who sell all major carriers, here's our honest assessment:

vs. Mutual of Omaha:

• Thrivent typically offers lower premiums for similar coverage
• Thrivent has superior financial ratings (A++ vs A+)
• MOO has more recent rate increases; Thrivent's last was 2004

vs. Northwestern Mutual:

• Similar A++ ratings, but Thrivent often beats them on price
• Thrivent offers unique 8-year benefit period option
• Northwestern has broader state availability

vs. National Guardian Life:

• NGL may have lower entry premiums for younger buyers
• Thrivent offers more comprehensive benefit options
• Both have strong rate stability histories

vs. New York Life:

• For traditional LTC: Thrivent typically wins on price
• For hybrid products: New York Life's offerings are generally stronger

The Bottom Line: For traditional long-term care insurance, Thrivent consistently ranks in our top 1-2 recommendations, especially when factoring in their A++ rating, competitive pricing, and 20+ year rate stability.

Is Thrivent Right for You?

Thrivent is an excellent choice if you:

• Meet the Christian membership requirements
• Value working with a financially strong, values-based organization
• Want flexibility in policy design
• Are interested in shared care benefits for couples
• Prefer the security of a mutual company with member dividends

Frequently Asked Questions

Q: Is Thrivent really the lowest price? A: Among A++ rated companies, Thrivent is consistently in the top 1-2 for pricing. We're "policy wonks" who spreadsheet every carrier—when the Venn diagram of price, rating, and flexibility lines up, Thrivent often wins.

Q: What if I'm not Christian? A: Unfortunately, the Christian membership requirement is non-negotiable. We'll help you find the next best option among carriers like Mutual of Omaha or National Guardian Life.

Q: Should I consider their hybrid product? A: We're honest—Thrivent's traditional LTC insurance is stronger than their hybrid. For hybrids, we often recommend Lincoln Financial or Nationwide instead.

Q: How often do things change in this industry? A: As we say, "things change every month." That's why we constantly update our comparisons. What's best today might not be tomorrow.

Get Your Thrivent LTC Quote

As independent agents, we can provide side-by-side comparisons of Thrivent with all other major long-term care insurance carriers. Don't make this important decision without seeing all your options.

Our DNA is finding you the best deal—which means the lowest price premium with the best company. Whether that's Thrivent or another carrier, we work for you, not the insurance company.

Request your free comparison quote today to see how Thrivent's rates and benefits stack up against other top-rated companies. Our analysis includes:

• Personalized premium quotes from ALL major carriers
• Benefit comparisons
• Financial strength ratings
• State-specific availability
• Honest recommendations based on your specific situation

Protect your retirement savings and family's financial future with the right long-term care insurance policy. Contact us today for your no-obligation comparison.