Thrivent Long Term Care Insurance
Thrivent is a Christian fraternal insurer with an A++ AM Best rating, one of the cleanest rate-increase histories in traditional long-term care, 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.
Clean Rate-Increase History
Most traditional LTC carriers have a long history of raising premiums on existing policyholders. Thrivent's last in-force rate increase was in 2004 — nearly unheard of in this category.
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 carriers cap at 5 or 6
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.
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, we have nine other traditional and hybrid carriers on the shortlist.
Thrivent has been around since 1902 — it used to be called Lutheran Brotherhood and later merged into what is now Thrivent Financial. They wrote one of the earliest LTC policies in the industry back in 1987, which matters because it is now a multi-decade record of how they manage 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, clean rate history, 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.
Why rate-increase history matters so much: traditional LTC premiums are generally not guaranteed forever. Carriers can request class-wide rate increases through state regulators. A carrier that has been selling LTC since 1987 and has not raised rates on existing policyholders since 2004 is telling you how it prices and reserves. That history is a better signal than any brochure.
Thrivent's last in-force rate increase was in 2004
Cumulative rate-increase activity on traditional LTC policies — Thrivent vs the broader carrier pool.
In-force rate increase activity since 2004
Cumulative rate-increase activity across the industry in the same window
Illustrative. Industry figures aggregate state-approved rate-increase activity across multiple traditional LTC carriers; not any single competitor and not a forecast. Thrivent's 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