Contract Types:

• Noncancelable—guaranteed to be renewed until the contract anniversary on or after your 65th birthday. (Premiums do not change.)
• Guaranteed renewable—guaranteed to be renewed until the contract anniversary on or after your 65th birthday. (Premiums can increase.)

Deductible Periods:
Select from available options, ranging from 1 month to 24 months.

Maximum Periods:
Select a coverage period that meets your needs—from 6 months to 10 years or to age 65 or 70.

Monthly Benefit Amounts:
Issue amounts are based on your current earned income and can range from $500 to $15,000 per month.

Additional Riders Include:

• Future Purchase Option Benefit Rider—for additional premium, this rider allows you to purchase additional insurance at specific intervals known as "option dates", if your income justifies it, regardless of your health.
• Indexed Disability Income Benefit Rider—for additional premium, this rider adjusts your disability income benefits annually while on claim to help offset the impact of inflation.¹
• Regular Occupation Definition of Disability Rider—for additional premium, this rider replaces the contract's definition of occupation with your regular occupation or employment at the time disability begins.²

Partial benefits may be offered in situations where you may only be able to work part time.³

No benefits will be paid for (exclusions may vary by state):

1. Pre-existing conditions⁴ during the first two years after the issue date, unless they are disclosed in the application and not excluded from coverage by name or description.
2. Disability or any other loss caused by any of the following:
1. Attempted suicide, while sane or insane.
2. Intentionally self-inflicted injury, while sane or insane.
3. Any act of war, declared or undeclared, or any act incident to war.
4. Sickness or injury, which occurs or begins whole on full-time active duty with the armed forces of one or more countries. This does not apply to a period of two months or less of active duty for training purposes only. Upon Written Notice we will refund the portion of any premium paid for any periods of full-time active duty not covered.
5. Pregnancy, childbirth or elective abortion. But we will not deny the benefits in the event of disability due to Complications of Pregnancy.
3. Any period the insured is incarcerated.

Your financial representative with Thrivent Financial for Lutherans can help

Contact your financial representative with Thrivent Financial for Lutherans for more information about Thrivent Financial's Disability Income Insurance. 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.

¹ In CA, rider called DI Inflation Protection Rider.
² In CA, rider changes definitions of Total and Partial Disability to be based on regular occupation when disability begins.
³ Product features may not be available in all states and may vary by age and occupation class.
⁴ In Idaho, pre-existing condition is defined as an injury or sickness that was diagnosed or treated within six months before the issue date, or for which symptoms were present during those six months that would cause a prudent person to seek diagnosis, care or treatment.

Contract Forms: #12124, #12125, ID12124,	ID12125, TX12124, TX12125,	Riders 12126, 12127, 12136
20348WH   R 10-08