Thrivent Financial Reviews

Thrivent Financial
( 1 reviews )

Thrivent is a Fortune 500 financial services company that provides a number of different services, among which are financial planning, investment management, and life and disability insurance.

How Does It Work?

Many people believe that money and religion should be separate, but Thrivent Financial says this simply isn’t the case.

Their financial services are completely designed not only with your personal needs in mind, but also with the goals of God and your faith being held centrally. 

Like many other independent financial institutions, Thrivent Financial offers their members a variety of products and services, including Insurance, Annuities, IRAs, Investments, and services for Businesses & Institutions.

However, unlike most other financial companies, their website emphasizes that their services will be directed by Christian principles. 

For example, the website says that Christians do not share their wealth and services out of obligation, but rather because they believe that everything we have belongs to God.

To meet this end, they will help their members determine charity donations, tithe planning, or an overall giving plan to make sure that your charitable goals are appropriately aligned with all other financial goals you have asked them to consider. 

The website says that with these types of financial planning strategies, they were able to organize and direct “$95 million to people in need, churches, and other nonprofits” in the year 2013, and Thrivent Members contributed to time and effort to raise $87.7 million more. 

Cost & Price Plans

As with any company that offers financial services, there is no one single price that is able to be quoted for their services, as every person and family will have their own needs and goals which will need to be addressed individually. 

That being said, the website clearly states that in order to become a Benefit Member, you will need to apply for membership and purchase a qualifying Thrivent insurance or annuity product.

To become an Associate Member, you will need to apply for membership, purchase a product from a Thrivent affiliate or subsidiary or join the Thrivent Federal Credit Union, and pay an annual fee of $19.95. 

Refund Policy

As with all financial companies, there is no one single “Refund Policy” which makes sense to be applicable to their products or services.

That being said, if you encounter any issues or circumstances which you feel justify a refund of any fees or investments you have made, then you should contact their Customer Service team as soon as possible in order to have your problem addressed. 

Customer Service Contact Info

Customers who would like to contact Customer Service with any questions, concerns, or complaints can do so by phone at 800-847-4836 for Member Care and 888-834-7428 for the Financial Advice Center or by submitting them directly to their website through the Contact Us link.


Though this company places the vast majority of emphasis on the fact that they are Christian owned, operated, and focused, that does not mean that they are unsuccessful with their financial endeavors.

Wikipedia states that Thrivent Financial is a Fortune 500 company which has posted long years of success since they have been established and expanded.  In addition, Wikipedia points out that religiously based and directed financial institutions are long standing establishments. 

The article also points out that originally this company was specifically a Lutheran financial service, but they have since expanded their outreach to all Christian brotherhood, so all Christians who are interested in their services are welcome to apply for membership. 

Competitors and Alternatives?

Religious focused and guided financial institutions, guides, and strategies are not uncommon.

Depending on your personal needs and what you are looking for, there are other options which claim to have similar goals and focuses, such as "The Biblical Money Code".

If you have any experience with Thrivent Financial or their products, please leave your reviews below.

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Thrivent Financial Customer Reviews

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Horrible! Stay Away!
February 13, 2023

HORRIBLE Experience! I was treated like a child by the advisor Cindi Crane who told me that I wasn't allowed to touch my money "it was not accessible" Then when I challenged that she claims to have misspoken because she just returned from a trip. I don't know what that means, you can't read after travel ? I had to call her to "discuss a withdrawal " only to have her RAMBLE about her fully paid trip to Europe. Had zero to do with me or my finances. Then she sent me a NASTY EMAIL telling me to "Stay Out Of Investments" ( in 2 yrs she made me $2,000 big whoop I would have to live to 225 to retire) When I tried to complain to the corporate office they wanted me to fill out a form online, they don't take complaints over the phone.