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AGENT GUIDE
CONTACT INFORMAT ION
New Business 1-844-221-7813
• Claims
• NB Status
• UW
• Fax App Submission 1-855-400-9598
New Business Mailing Address New Business Overnight Mailing AddressP.O. Box 14008 2650 McCormick Dr.Clearwater, FL 33766-4008 Clearwater, FL 33759
Claims Mailing AddressP.O. Box 14057Clearwater, FL 33766
Agent Support 1-844-221-7813
• Sales and Marketing
• Commissions
• Sales Forms & Materials - Order Printed Supplies
• Product Availability
Member Benefits 1-844-221-7813
Policyholder Services 1-844-221-7813
Technology 1-844-550-1200Technical help with logging in, system errors, etc.
• eApp
• eContracting
• AgentXcelerator
Marketing & [email protected]
TABLE OF CONTENTS
Contracting and Appointments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Commissions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6New Business . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Underwriting Height and Weight Chart . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7Methods of Submission . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8Completing an Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
In Good Order (IGO) Basic Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Policy Issue State . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Effective Dates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Premium Calculations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Paper Applications (Fax and Mail) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Member Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Signatures . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Submissions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Corrections . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
eApplication Signature Guidelines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12Checking Application Status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13Incomplete Applications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13Declined Applications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14Appealing a Declined Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Ordering Supplies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14Tracking Supply Orders . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15Compliance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
Advertising Materials . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16Handling Member Complaints . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
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In an effort to assist agents conducting business with Thrivent, our agent’s guide is designed to make the process of submitting applications both efficient and effective. We also provide you with guidance on how to check an application’s status, order supplies, receive commissions, follow the compliance process and even handle complaints. Please use this guide as a resource and be sure to refer to it often.
CONTRACT ING AND APPO INTMENTSWe offer both eContracting and paper contracting. Contact your upline for assistance utilizing the eContracting platform and more information.
Just in Time (JIT) AppointmentsWe use the Just-In-Time (JIT) appointment process except in pre-appointment states. Your contract will be processed upon receipt and you will be issued a producer number. We will not submit your appointment to the state until you submit your first piece of business. While it is preferred that you submit your contract and be issued a producer number prior to taking an application, this is not always possible. Please print and sign your name, and use your National Producer Number (NPN), on any business submitted prior to receiving your producer number. This will prevent a delay in processing.
Pre-Appointment StatesPennsylvania and Alabama require you be appointed with the state prior to taking an application.
Additional Licensing RequirementsWe require agents hold a fraternal license in select states, whether you are a resident or non-resident producer. Only the writing agent is required to hold a fraternal license. We recognize both the applicant’s resident state and the state where the application is signed; if the applicant resides in one of these states, a fraternal license is required. Please contact your upline for more information.
Appointment FeesWe pay all agent resident and non-resident appointment fees, as well as renewals. The appointment fees are paid at the time your appointment is submitted to the state, upon receipt of your first piece of business, with the exception of pre-appointment states.
Welcome LettersYou will receive your agent welcome letter after we issue your producer number. Your welcome letter will be sent to the email address you provided in your contracting packet.
AgentXcelerator (Agent Portal) AccessWhen you receive your welcome letter, you will need to register for access to AgentXcelerator by using the link provided in the welcome email you received. Once you have registered, visit
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https://aiatpa.agentxcelerator.com to login. Here you will find all current materials and forms for taking a new application, tutorials for navigating AgentXcelerator, agent resources, and much more. You will also be able to check the status of submitted applications, as well as view your commission statements.
Errors & Omissions (E&O)E&O insurance is required in order to sell our Medicare Supplement products. You must carry a minimum of $1 million in coverage. Please be sure to share your renewal certificate with your upline to validate you are maintaining coverage.
Upline Licensing RequirementsIf you are completing your contracting paperwork as a corporation, and a corporate license is issued in the state(s) which you would like to be appointed, you must have a corporate license in order to receive commissions and/or overrides. The following states require everyone in the hierarchy be properly licensed to receive commissions and/or overrides: FL, GA, KS, MA, MS, MT, NC, NM, PA, SD, VA.
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COMMISS IONSCommissions are paid weekly via electronic funds transfer (EFT).
Commission AdvancingWe offer nine month advancing on Medicare Supplement commissions. Your election to receive advancing is done during the agent contracting process. The election for advancing must be approved by your upline.
Interest is charged on all advances at the rate of 1% per month. Interest is assessed monthly on the unearned commission balance at that time. You will be advanced commission on policies at the time of policy issue, where the policy is both underwritten and the applicant has selected monthly EFT as their payment method. The maximum amount, per case, is $1,500.
For more information, please consult your agent contract.
ChargebacksChargebacks are calculated weekly. Commissions owed to you will be applied to your debit balance until the debt has been satisfied.
NEW BUS INESSNew Business Mailing AddressPO Box 14008Clearwater, FL 33766-4008
New Business Overnight Mail2650 McCormick Dr.Clearwater, FL 33759
Application FeeThe standard application fee is $25.00, per applicant. Application fees may vary by state, so please refer to the Underwriting Guide for state specific details. The application fee is non-commissionable.
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UNDERWRITING HEIGHT AND WEIGHT CHART
HEIGHTDECLINE WEIGHT
STANDARD WEIGHT
DECLINE WEIGHT
4' 2'' < 54 54 – 145 146 +
4' 3'' < 56 56 – 151 152 +
4' 4'' < 58 58 – 157 158 +
4' 5'' < 60 60 – 163 164 +
4' 6'' < 63 63 – 170 171 +
4' 7'' < 65 65 – 176 177 +
4' 8'' < 67 67 – 182 183 +
4' 9'' < 70 70 – 189 190 +
4' 10'' < 72 72 – 196 197 +
4' 11'' < 75 75 – 202 203 +
5' 0'' < 77 77 – 209 210 +
5' 1'' < 80 80 – 216 217 +
5' 2'' < 83 83 – 224 225 +
5' 3'' < 85 85 – 231 232 +
5' 4'' < 88 88 – 238 239 +
5' 5'' < 91 91 – 246 247 +
5' 6'' < 93 93 – 254 255 +
5' 7'' < 96 96 – 261 262 +
5' 8'' < 99 99 – 269 270 +
5' 9'' < 102 102 – 277 278 +
HEIGHTDECLINE WEIGHT
STANDARD WEIGHT
DECLINE WEIGHT
5' 10'' < 105 105 – 285 286 +
5' 11'' < 108 108 – 293 294 +
6' 0'' < 111 111 – 302 303 +
6' 1'' < 114 114 – 310 311 +
6' 2'' < 117 117 – 319 320 +
6' 3'' < 121 121 – 328 329 +
6' 4'' < 124 124 – 336 337 +
6' 5'' < 127 127 – 345 346 +
6' 6'' < 130 130 – 354 355 +
6' 7'' < 134 134 – 363 364 +
6' 8'' < 137 137 – 373 374 +
6' 9'' < 140 140 – 382 383 +
6' 10'' < 144 144 – 392 393 +
6' 11'' < 147 147 – 401 402 +
7' 0'' < 151 151 – 411 412 +
7' 1'' < 155 155 – 421 422 +
7' 2'' < 158 158 – 431 432 +
7' 3'' < 162 162 – 441 442 +
7' 4'' < 166 166 – 451 452 +
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METHODS OF SUBMISSION
There are two ways to take an application; eApplications (eApps) and paper applications. This section covers the various methods of submission and how to check status on an application once it has been submitted.
eApplications (eApp)The preferred method of submission for Medicare Supplement enrollments is through our eApp platform, FireLight, located on AgentXcelerator. The eApp reduces the risk of human error and missed information and allows more efficient processing of applications.
To write an eApp, you must be contracted and have already received your producer number, as you will need it to be able to access AgentXcelerator. Once logged in, select the “Start an eApp” button. For more information on how to use the eApp features, please contact your upline.
Important Note: Electronic submissions are only accepted if EFT has been selected as the premium payment method.
Paper ApplicationsPaper applications can be downloaded from your agent portal. Paper apps should only be used if you are submitting the applicant’s initial premium payment via check. Paper applications can be mailed to the processing center, either overnight or via regular mail. Be sure to use the proper mailing address to ensure timely processing of the application.
Please allow 48 business hours from the time it was received by the processing department, for the application to appear on your agent portal.
Important Note: If this is your first piece of business, you may also fax a copy of the application to initiate the appointment process. Please fax a copy of the application to 1-855-400-9598. Please note on the fax cover sheet you will also be mailing the original application with a check.
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If you do not have access to the eApp platform and must take a paper application, faxing the application is only acceptable if the applicant selected EFT as their form of premium payment. Please attach a fax cover sheet with your producer number. The fax cover sheet can be found on your agent portal and is available in the paper application packet. Completed applications should be faxed to 1-855-400-9598.
COMPLETING AN APPLICATION
In Good Order (IGO) Basic GuidelinesApplications must be written using the most current information. Be sure to visit your agent portal to verify the materials you are using are most current, including the Outline of Coverage, application and state-specific forms. eApps include the most up-to-date forms necessary for writing a new policy.
Policy Issue StateThe applicant’s issue state is the state in which the applicant files their federal income taxes. In some cases, an applicant may sign an application in a state other than the state they reside in. When this happens, you must be appointed in the issue state, and the state which the application was signed. If the issue state and signed application state differ, and you are not licensed and appointed in both states, the application cannot be accepted.
Effective DatesYou can request an effective date any day of the month, with the exception of the 29th, 30th and 31st. The requested effective date cannot be prior to the application signature date. Please refer to the underwriting guidelines for additional information with respect to the requested effective date.
Premium CalculationsVerify that you are using the most current Outline of Coverage and plan rates. Please refer to your agent portal for the most current forms and information.
Application FeeThe standard application fee is $25.00 in most states and is non-refundable and non-commissionable. The household discount (HHD), if any, does not apply to the application fee. Please refer to the Underwriting Guide for state-specific information.
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Premium Modal FactorsAnnual, semiannual and quarterly premium modes are available on EFT and direct bill basis. Monthly premium mode is only available by EFT. To obtain annual, semi-annual or quarterly premiums, multiply the monthly premium amount by 12, 6, or 3 respectively.
NOTE: If the applicant selected EFT as their premium payment method, the initial premium payment will be drafted upon policy issue. Subsequent premium payments will occur on the date the applicant specified on their EFT form in the application. EFT premium payments are withdrawn from the bank in arrears, rather than in advance. The applicant must notify us of any future bank changes as soon as possible.
Example: If the policy effective date is on the 1st of the month, and the EFT draft date selected is the 28th, the policy will already be 28 days into the 31-day grace period when the premium payment is requested from the bank. Should the policy become more than 31 days past due, the coverage will lapse.
Calculating Initial Premium
Calculated Premium (include app fee; HHD)$ _________ - $ _________ + $ _________ = $ _________ premium HHD app fee total
IMPORTANT: Calculated premium is the premium for the applicant’s EXACT AGE AS OF THE [COVERAGE] EFFECTIVE DATE, multiplied by the premium modal factor. Some exceptions may apply around open enrollment when turning 65. HHD is the premium multiplied by the Household Discount factor for the applicant’s state. The initial premium is calculated by taking the proper modal premium, less the HHD, plus the application fee.
Paper Applications (Fax and Mail)eApps are our preferred method of submission. Paper applications are acceptable; however, they must be legibly written, or processing could be delayed. Applications may be faxed to 1-855-400-9598, provided the premium payment method selected is EFT. If the initial premium payment is by check, the application must be submitted through the mail.
Member EligibilityAs the agent, it is critical that you be sure the client understands the membership requirements. These are legal requirements and are non-negotiable.
Each individual applying for membership must agree to support and further the Thrivent way, and must meet one of the three membership criteria:1. A Christian*, seeking to live out my faith; or
2. the spouse of a Christian who seeks to live out his or her faith; or
3. if applying on behalf of a youth under age 16, the youth is being raised in the Christian faith.
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Premiums: Initial premium must be paid by check, prior to issue, or at the time of policy issue via EFT. Initial premium paid by check must be submitted with the application or quickly thereafter. If an eApp is completed and the initial premium is collected by check, the application must be printed and mailed to the processing center. Money orders and third-party payments will not be accepted. Payment from the applicant or an immediate family member is permitted.
Signatures: Signatures must be original; stamped signatures will not be accepted, for either the applicant or the agent. Be sure to review all pages to ensure that all signature lines have been signed and dated prior to submission. Failure to do this will cause processing delays.
Submissions: Applications for Medicare Supplements must be received within 30 days of the applicant’s signature date. Applications cannot have a requested effective date prior to the applicant’s signature date. If this is your first application in a JIT state, you must submit your application immediately upon signature to meet state appointment requirements. A delay in submission may require a new application be written.
Corrections: Draw a line through the error and have the applicant initial and date the corrections. Corrections made using correction tape or fluid will not be accepted.
Paper applications accompanied by a premium payment check can be mailed directly to the appropriate mailing address. If the applicant has selected EFT for premium payment method, the application may be faxed to 1-855-400-9598.
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eApplication Signature Guidelines
Applicants have several options for signing an eApp. Once you have completed the application, you will be prompted to select one of the following:
Use Decline E-Signature when the applicant wants to manually sign the application, or when there is no internet access at the time and the applicant does not have an email address. When the applicant declines the E-signature, you must manually sign as well. The application must then be faxed or mailed in its entirety, and it will not be considered an eApp because it was not submitted electronically.
If the applicant wishes to sign electronically, select Use E-Signature. The next dialogue box will give the following two options:
Both options require an email address for all signing parties. Applicants, payors and agents must all sign for themselves. In most cases, the payor is the applicant (or one of the applicants, if there are two); however, the bank authorization form requires its own signature, so it must be signed in a separate step.
Sign Now: This feature is to be used if you are sitting face to face with the insured, you have internet access, and you are both able to sign and submit when finished. Sign Now will prompt a verification screen, where the applicant is able to review a PDF of their application, and then sign it. Their signature is captured one of two ways: by typing their name into the “Signer Full Name” field, as shown below; or by using a mouse (like a pen) to sign. At no time is it acceptable for you to sign “on behalf of” the applicant.
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Send Email Request: Use this feature if you are not sitting face to face with the insured. If the presentation and enrollment were completed during a telephone sale, you may use the Send Email Request feature to forward the completed application to the insured to be signed and returned to you.
The FireLight eApp platform records the internet IP address of both the agent and the insured. The only time it is acceptable for both the agent and insured’s signatures to be recorded by the same IP address is when the enrollment was completed during a face-to-face presentation and sale.
eApps are frequently monitored to ensure compliance. By reviewing the eApp report, it is easy to identify instances where an eApp was not completed properly. Failure to comply with the above guidelines could result in disciplinary action, up to and including termination of your appointment to represent our products.
APPLICATION STATUS
You may check the status of applications by visiting your agent portal, AgentXcelerator. Applications submitted via FireLight eApp or fax will be viewable on your agent portal within two business days. Applications mailed to the processing center should be viewable on the portal within 5 to 7 business days. If this time has passed and you do not see the enrollment in your agent portal, contact Agent Support at 1-844-221-7813. Please do not resubmit the application; this interrupts and slows down processing times.
Applications Submitted ElectronicallyOnce you complete and submit an eApp, it is transmitted securely to the processing team and is available in the FireLight portal instantly. You will still need to allow 48 hours before viewing the application on the Agent Portal.
INCOMPLETE APPLICATIONS
Applications will not be processed until they are complete and in good order (IGO). AgentXcelerator will typically reflect incomplete application requirements the following business day.
If an application is incomplete when it is received, you will be notified via email three times each week, until all missing requirements have been fulfilled and the application is considered IGO. If the missing/incomplete information is not received within 15 calendar days, you will be issued a final notice, giving you an additional 10 calendar days to submit the pending requirements.
If the requirements have not been met by the final due date, the application will be withdrawn as incomplete and a letter will be mailed to both you and the applicant. If premium payment was submitted with the application, a refund will be sent to the applicant. If the applicant still wishes to obtain coverage after their application has been withdrawn, a new application will be required.
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If you have any questions concerning the status of an application, the Agent Support team is available to assist you. You may contact the team at 1-855-400-9598.
DECLINED APPLICATIONS
If an application has been declined, notification will be sent to both you and the applicant. Note: due to Health Insurance Portability and Accountability Act (HIPAA) regulations, the information you receive will be limited. The applicant’s letter will provide additional information regarding the reason(s) their application for coverage was declined.
APPEALING A DECLINED APPLICATION
Instructions on how to appeal an underwriting decision will be provided in the applicant’s denial letter. A written request for appeal, along with additional medical documentation supporting the request, should be submitted. Allow 30 to 60 days for the appeal to be processed and a notification of the decision to be mailed to you and the applicant. If you have any questions regarding the appeal process, please contact Agent Support at 1-844-221-7813.
ORDERING SUPPL IESOrdering supplies is easy! You can order supplies via your agent portal, AgentXcelerator, in three simple steps:
1. Log into AgentXcelerator.
2. Click on the ‘Sales Forms & Materials – Order Printed Supplies’ link, under the Resources tab.
3. Navigate through the available products to select the materials and quantities you would like to order. Then place the desired items in your cart and then check out, following the prompts on your screen.
Be sure to complete all required fields and provide an accurate shipping address and the best email address where you can be reached for order status updates, etc. This information may be pre-populated for you based on your user profile, so please be sure to review the details carefully before placing your order.
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TRACKING YOUR SUPPLY ORDEROnce you have placed your order, you will receive multiple emails at the email address you provided during checkout. The first email will confirm receipt of your order. You will receive a follow up email once you order has been fulfilled. A final email will confirm that your order has been shipped and will provide the UPS tracking number, which you can use to track your order. Questions regarding supply orders can be directed to [email protected].
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COMPL IANCEADVERTISING MATERIALS
Submitting Advertising Materials for Compliance ApprovalWe require all materials to be sent to consumers and/or agents including information about our product(s), usage of our logo(s) or name, or advertisements about our brand in any capacity, be reviewed and approved by our Compliance team.
Submission of materials for review must be accompanied by a Marketing and Advertising Compliance Approval Request form, which is accessible via your agent portal.
General Rules• Complete the compliance approval form and attach it to the material(s) to be reviewed.• Email the completed form and material(s) to [email protected].• Allow 5 business days to process the initial review.
Note: To ensure the quickest processing time, please be sure your material(s) meet all of the requirements as listed on the Marketing and Advertising Compliance Approval Request form. Not doing so will cause delays in processing.
INDEPENDENT ADVISORSGUIDELINES FOR HANDLING MEMBER COMPLAINTS
How to Contact Member Relations
1. Via telephone: 1-844-221-7813
2. Via fax: 1-855-400-9598
3. Via U.S. Mail: P.O. Box 14008, Clearwater, FL 33766-4008
What is a complaint?A complaint is a written communication expressing a grievance or dissatisfaction about Thrivent products, services or sales practices, regardless if Thrivent is at fault.
What do I do if I receive a written complaint?Written complaints (including those received via email or text) must be forwarded to Member Relations. Please contact our service center to engage Member Services for proper handling. Do not attempt to resolve written complaints yourself. Upon receipt of the member’s written complaint at the home office, a written response will be sent to the member as soon as a thorough review is complete.
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What do I do if I receive a verbal complaint?Verbal complaints should be handled to the best of your ability. Please contact our service center to discuss proper handling, if necessary.
What do I do with an unresolved verbal complaint?If the member remains unsatisfied, he/she should be advised to put his/her concerns in writing, to be forwarded to Member Relations. The member may send their written complaint to you, to forward to Member Services on their behalf, or you may provide the member with the appropriate contact information for their preferred method of submission. The member communication should include details surrounding his/her concern, including the facts and the resolution they are seeking; and any supporting documentation. Do not write the letter for the member. If the allegation is about a previous Financial Representative or Independent Advisor, do not assume what he/she did was wrong.
Members can also complete a complaint form, which is available on Thrivent.com, under Contact Us.
What do I do if a complaint is filed against me?If a complaint is received and it is determined that the complaint is against an Independent Advisor, Member Relations will contact the advisor for more information. Your accurate and timely response helps us determine if a complaint has merit and what action to take. It is best not to contact the member if he/she filed a complaint against you until the issue(s) has been resolved, unless you are directed to do so by the home office.
How does Member Relations determine who handles a complaint?Member Relations will handle complaints dealing with market conduct or sales practice allegations against the Independent Advisor (e.g. alleged misrepresentation, suitability concerns, failure to disclose allegations, etc.) Member Relations will refer issues regarding policies or procedures and complaints involving underwriting or claims to the appropriate business unit to address.
MEMBER DISPUTERESOLUTION PROGRAM
Should a member, insured, owner or beneficiary be dissatisfied with the resolution of a complaint, the individual may only pursue a claim through the Member Dispute Resolution Program (MDRP). There is no cost to the individual to participate in this program; however, should he/she decide to seek the advice or assistance of a counselor or tax professional, doing so would be at their expense.
When is the Member Dispute Resolution Program (MDRP) offered to a member?When a decision is sent to a member indicating we are unable to honor his/her request for resolution, in most cases, the member will be offered the option to pursue a resolution through the MDRP. Please contact your service center if you have any questions regarding the MDRP.
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THR IVENT ACT ION TEAMSThrivent Action Teams make it easy for members to bring a volunteer team together around a cause they care about. The team can make a difference by organizing a fundraiser, educational event, or service project to support their community. We provide a kit packed full of items such as seed money, promotional materials, and T-shirts to make it easy for members to make an impact on the places they live, work and worship.
THR IVENT BU ILDS™ W I T H H A B I TAT F O R H U M A N I T YThousands of Thrivent members are “hammering out” what it means to live generously and change lives! With program funding, volunteers help construct or repair homes across the globe. Since 2005, Thrivent and its members have committed $252 million to the program. Share your time, talents and treasures to make an impact in your community, in other states or another country.
THR IVENT CHO ICE®The program gives eligible members an opportunity to recommend where Thrivent distributes some of its charitable outreach funds each year. Since 2010, $370 million has gone to help churches, educational institutions and other nonprofit organizations through charitable grants.*
*Directing Thrivent Choice Dollars and participating in Voting Events are subject to the Terms and Conditions of the Thrivent Choice® program, and if you direct any Thrivent Choice Dollars® or participate in any Voting Events this means that you agree to the Terms and Conditions.
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Fo r mo re i n f o r ma t i on i n c l ud i ng , Te r ms and Cond i t i ons , go t o Th r i ven t . com/membe r sh i p
Thrivent member activities, such as Thrivent Action Teams, Thrivent Builds, and Thrivent Choice, engage Thrivent members and Thrivent Member Networks in charitable activities, furthering Thrivent's mission and its purposes under state law. No one should purchase or retain any insurance or annuity products simply to be able to participate. Membership activities and benefits are not guaranteed contractual benefits. The provision of these activities and benefits is at the sole discretion of Thrivent. Membership activities and benefits are reviewed and evaluated regularly. Thrivent, and each of the Thrivent Member Networks, reserves the right to change, modify, discontinue, or refuse to provide any of the membership activities or benefits or any part of them, at any time.
Thrivent Administrative Office P.O. Box 14008
Clearwater, FL 33766-4008
844-221-7813ThriventMedSupp.com
THRIVENT IS THE MARKETING NAME FOR THRIVENT FINANCIAL FOR LUTHERANS. Insurance products issued by Thrivent Financial for Lutherans. Not available in all states. Thrivent.com/disclosures.
Thrivent is not connected with or endorsed by the U.S. Government or the federal Medicare program.Thrivent Independent is a division of Thrivent.
For internal use only. Not to be shown or distributed to consumers. 30012TF R9-18
