Thrivent Long Term Care Insurance
Thrivent is a Christian fraternal insurer with an A++ AM Best rating, no in-force rate increase on its long-term care block since 2009, and among the most competitive premiums on the market. If you qualify, it belongs in your first quote round.
Why Thrivent Keeps Winning Traditional LTC Quotes
Drew Nichols and Darrick Wilkins walk through what makes Thrivent a top-one-or-two traditional LTC carrier — and where the hybrid product lags the competition.
Four Reasons Thrivent Lands in the Top Two
Our DNA at LTC Tree is finding the lowest premium from a company strong enough to still be there when a claim hits. On traditional LTC right now, Thrivent is the Venn diagram where both things line up.
Among the Lowest Premiums
When we spreadsheet traditional LTC quotes across every carrier that still writes new business, Thrivent is consistently in the top one or two on price. The rare case where the cheapest quote also comes from the highest-rated carrier.
A++ AM Best Rating
A++ is the top AM Best rating — most carriers land at A or A+. On a product you might not claim on for 25 or 30 years, the issuing company's financial strength is not a detail.
No In-Force Increase Since 2009
Most traditional LTC carriers have raised premiums on existing policyholders repeatedly. Thrivent did too — on 1990s policy forms, effective 2008 and 2009 — but not since. In the ten-year window California's insurance department tracks, it is one of three active LTC carriers reporting no rate-increase history at all.
Highly Customizable Design
Benefit periods up to 8 years (most carriers cap at 5 or 6), a wide range of daily/monthly benefits, inflation choices, elimination-period options, and shared-care riders for couples.
Thrivent offers 8-year benefit periods — most traditional carriers top out sooner
How many years of long-term care benefits the leading traditional LTC carriers let you buy.
Why the extra years matter: roughly 14% of long-term care claims last more than five years, and cognitive claims (Alzheimer's, dementia) skew longer still. An 8-year benefit period is cheap insurance against the tail — and on Thrivent it is a design option, not a separate rider on top.
Benefit periods reflect current public product materials for each carrier's traditional LTC design as of April 2026. Availability varies by state, age, and design. NGL HonestLTC figure per NGL's HonestLTC announcement; New York Life figure per NYL Secure Care's product page.
What a Fraternal Benefit Society Actually Is
Thrivent is not a stock insurance company or a mutual insurer in the traditional sense — it is a fraternal benefit society. In insurance, that is a specific legal structure: the organization exists to serve members of a shared group, and insurance is a benefit of membership rather than a straight consumer purchase.
In Thrivent's case, the shared group is Christians. If you are Christian and willing to become a Thrivent member, you qualify to apply for Thrivent insurance products, including their traditional LTC policy. If that does not fit, the rest of our traditional and hybrid shortlist is open to everyone.
Thrivent's roots go back to 1902, when Aid Association for Lutherans was founded. Lutheran Brotherhood followed in 1917 and launched long-term care products in 1987 — one of the earliest in the industry — and the two organizations merged in 2002 to form what is now Thrivent. That 1987 start matters because it is a multi-decade record of how the company manages an in-force LTC block.
Thrivent at a Glance
Traditional LTC: Top Two. Hybrid: Not Yet.
Thrivent does offer a hybrid long-term care policy, but we will be honest — we have not placed many of them. The hybrid market has moved fast in recent years (cash indemnity, retroactive day-91 payments, 100% international benefits), and Thrivent's hybrid design has not kept pace with carriers like Securian, Nationwide, and Lincoln.
For traditional long-term care insurance, Thrivent is consistently one of the top two on our quote sheet — strong ratings, more than fifteen years without an in-force rate increase, flexible design, and a competitive premium. For hybrid LTC, we generally steer to other carriers until Thrivent updates the product. That is the kind of call an independent broker is built to make; a captive Thrivent rep cannot make it.
The market also changes every few months. If Thrivent refreshes the hybrid, we will update this page.
How to read a rate-increase history: traditional LTC premiums are generally not guaranteed. Carriers can request class-wide increases through state regulators, and Thrivent is no exception — it raised rates on 1990s-era in-force policies effective 2008 and 2009. What stands out is what came after: no further increase anywhere in the records California publishes. That department is blunt about how to read such a record, though — the absence of an increase is not proof of a good policy, and a carrier that has not raised rates may still do so. Treat it as a signal about pricing and reserving, not a guarantee.
CDI's rate-history filing for Thrivent Financial (NAIC 56014) lists in-force increases approved between August 2007 and January 2009 and effective between January 2008 and February 2009, across nine states and Washington, D.C. Approved amounts reached 59% on some 1990s forms; California approvals were capped at 12% and 26%.
CDI collects LTC rate-increase history for the current year and the nine preceding years. In the current window Thrivent is one of three carriers on CDI's active LTC list — with Knights of Columbus and National Guardian Life — reporting no rate-increase history at all.
Source: California Department of Insurance, Long-Term Care Insurance Rate History and its Thrivent Financial (NAIC 56014) rate increase history report. Past rate history does not guarantee future pricing.
Who Thrivent Fits Best
When to Look Elsewhere
See Thrivent Numbers — and Everyone Else's
We quote Thrivent alongside every other traditional and hybrid LTC carrier against your actual age, state, and health history. We work for you, not the insurance company — so if Thrivent wins, great. If it doesn't, we will tell you who does and why.
Or call 1-800-800-6139