Thrivent long-term care insurance
A membership-owned financial organization (a fraternal benefit society) that offers traditional long-term care insurance, plus a newer hybrid option called CareForward, to its members.
5 / 5 — Excellent
What they offer
Coverage type: Traditional & hybrid. Membership (held personally or through a spouse) is required to buy a Thrivent policy.
Long-term care coverage falls into two families — traditional standalone policies and hybrid (linked-benefit) policies. See types of plans for how they differ.
How Thrivent scores
Our disclosed, weighted methodology scores every carrier on four criteria. Here's the breakdown for Thrivent:
| Criterion | Score |
|---|---|
| Financial strength | 5 / 5 |
| Actively writing new business | 5 / 5 |
| Product breadth | 5 / 5 |
| Rating stability | 5 / 5 |
| Overall (weighted) | 5 / 5 — Excellent |
Financial strength
Because a long-term care policy may be held for decades, an insurer's financial strength matters. Thrivent's A.M. Best financial-strength rating is A++, affirmed November 10, 2025 (source). Ratings are typically reaffirmed annually — verify Thrivent's current rating directly with A.M. Best or the carrier before you buy. See how we score carriers for the full methodology.
Please note: This profile is general information, not an offer of coverage or an endorsement. Product availability, features, and pricing vary by state, age, and health, and change over time. Confirm Thrivent's current offerings with a licensed agent before making any decision. LongTermCareInsurance411 is not affiliated with Thrivent.
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