Fees and Expenses [Text Block]

FEES AND EXPENSES

Location in

Statutory

Prospectus

Are There Charges

or Adjustments for

Early Withdrawals?

Yes. If you withdraw money from the Contract within 7 years of your last

premium payment, you may be assessed a Surrender Charge. Each

premium payment will have its own 7-year Surrender Charge. The maximum

Surrender Charge is 7% during the first two years and decreases by 1% for

the next five years. If you make an early withdrawal, you could pay a

Surrender Charge of up to $7,000 on a $100,000 investment. This loss will be

greater if there are taxes and tax penalties.

Surrender Charges apply only to amounts that exceed the greatest of 10% of

the Accumulated Value existing at the time the first surrender is made in a

Contract Year, the Contract’s earnings or any Required Minimum Distribution.

Fee Table

Are There

Transaction

Charges?

Yes. In addition to Surrender Charges, there may also be charges for other

transactions.

You may make 24 free Subaccount transfers in each Contract Year. On

subsequent Subaccount transfers (other than the Dollar Cost Averaging and

Asset Rebalancing Programs), you will incur a $25 transfer charge.

You will also pay a charge if you request a wire transfer of funds from your

Contract to another financial institution. That financial institution may also

charge a fee to receive a wire. You will also pay a charge if you request to

have a check sent to you using an overnight mail service.

Fee Table

Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options and optional benefits you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.			Fee Table
	Annual Fee	Minimum	Maximum
	Base Contract (as a percentage of daily net assets of each Portfolio)	0.50%	1.25%
	Portfolio Company fees and expenses (Expenses that you pay as a percentage of your investment. Expenses may be higher or lower in future years. More detail is contained in the prospectus for each Portfolio)	0.22%	2.575%
	Optional benefits available for an additional charge (only one optional benefit may be selected)	Minimum	Maximum
	Thrivent Income Builder (GLWB) Rider Charge (as a percentage of the Benefit Base)	0.50%	2.50%
	Maximum Anniversary Death Benefit (MADB) Rider Charge (as a percentage of the MADB value)	0.20%	0.50%
	Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add Surrender Charges that substantially increase costs.

	Lowest Annual Cost: $1,496	Highest Annual Cost: $4,914
	Assumes:	Assumes:
	Investment of $100,000	Investment of $100,000
	5% annual appreciation	5% annual appreciation
	Least expensive Portfolio fees and expenses	Most expensive Portfolio fees and expenses
	No optional benefits	Thrivent Income Builder (GLWB) Rider
	No sales charges	No sales charges
	No additional premium payments, transfers or withdrawals	No additional premium payments, transfers or withdrawals

Charges for Early Withdrawals [Text Block]

Are There Charges

or Adjustments for

Early Withdrawals?

Yes. If you withdraw money from the Contract within 7 years of your last

premium payment, you may be assessed a Surrender Charge. Each

premium payment will have its own 7-year Surrender Charge. The maximum

Surrender Charge is 7% during the first two years and decreases by 1% for

the next five years. If you make an early withdrawal, you could pay a

Surrender Charge of up to $7,000 on a $100,000 investment. This loss will be

greater if there are taxes and tax penalties.

Surrender Charges apply only to amounts that exceed the greatest of 10% of

the Accumulated Value existing at the time the first surrender is made in a

Contract Year, the Contract’s earnings or any Required Minimum Distribution.

Fee Table

Surrender Charge Phaseout Period, Years | yr

Surrender Charge (of Purchase Payments) Maximum [Percent]

7.00%

Surrender Charge Example Maximum [Dollars]

$ 7,000

Transaction Charges [Text Block]

Are There

Transaction

Charges?

Yes. In addition to Surrender Charges, there may also be charges for other

transactions.

You may make 24 free Subaccount transfers in each Contract Year. On

subsequent Subaccount transfers (other than the Dollar Cost Averaging and

Asset Rebalancing Programs), you will incur a $25 transfer charge.

You will also pay a charge if you request a wire transfer of funds from your

Contract to another financial institution. That financial institution may also

charge a fee to receive a wire. You will also pay a charge if you request to

have a check sent to you using an overnight mail service.

Fee Table

Ongoing Fees and Expenses [Table Text Block]

Are There Ongoing Fees and Expenses?	Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options and optional benefits you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.			Fee Table
	Annual Fee	Minimum	Maximum
	Base Contract (as a percentage of daily net assets of each Portfolio)	0.50%	1.25%
	Portfolio Company fees and expenses (Expenses that you pay as a percentage of your investment. Expenses may be higher or lower in future years. More detail is contained in the prospectus for each Portfolio)	0.22%	2.575%
	Optional benefits available for an additional charge (only one optional benefit may be selected)	Minimum	Maximum
	Thrivent Income Builder (GLWB) Rider Charge (as a percentage of the Benefit Base)	0.50%	2.50%
	Maximum Anniversary Death Benefit (MADB) Rider Charge (as a percentage of the MADB value)	0.20%	0.50%
	Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add Surrender Charges that substantially increase costs.

Base Contract (of Other Amount) (N-4) Minimum [Percent]

0.50%

Base Contract (of Other Amount) (N-4) Maximum [Percent]

1.25%

Investment Options (of Average Annual Net Assets) Minimum [Percent]

0.22%

Investment Options (of Average Annual Net Assets) Maximum [Percent]

2.575%

Lowest Annual Cost [Dollars]

$ 1,496

Highest Annual Cost [Dollars]

$ 4,914

Risks [Table Text Block]

RISKS		Location in Statutory Prospectus
Is There a Risk of Loss from Poor Performance?	Yes. You can lose money investing in the Contract.	Principal Risks of Investing in the Contract
Is This a Short-Term Investment?	No. This product is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Each premium payment has a 7-year Surrender Charge that may decrease the surrender value. Amounts withdrawn from the Contract may result in surrender charges, taxes, and tax penalties.	Principal Risks of Investing in the Contract
What Are the Risks Associated with the Investment Options?	An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract. Each Investment Option (including the Fixed Account) will have its own unique risks, and you should review these investment options before making an investment decision.	Principal Risks of Investing in the Contract
What are the Risks Related to the Insurance Company?	An investment in the Contract is subject to the risks related to Thrivent. Any obligations (including those under the Fixed Account), guarantees or benefits are subject to the claims-paying ability of Thrivent. More information about Thrivent, including its financial strength ratings are available upon request by calling 1-800-847-4836 or by sending an email to mail@thrivent.com.	Principal Risks of Investing in the Contract

Investment Restrictions [Text Block]

Yes. We reserve the right to add, delete, combine or substitute investment Subaccounts.The amount transferred from the Fixed Account in any Contract Year may not exceed the greater of $500 or 25% of the Accumulated Value in the Fixed Account.If you have added the optional Thrivent Income Builder (GLWB) Rider to your Contract, you will be subject to investment restrictions. There are currently two options available, the Asset Allocation Option or the Custom Allocation Option. Premium and Accumulated Value allocations must comply with one of these options. We may change these options and available Subaccounts upon Notice.Premium amounts of $1 million or greater require prior approval. We reserve the right to limit the total of all premiums paid under the Contract to $1 million.

Key Information, Benefit Restrictions [Text Block]

Yes. You may only select the GLWB Rider or the MADB Rider at the time of Contract application. Only one optional benefit may be selected. Neither rider may be canceled within the first two years after the Date of Issue.Withdrawals that exceed the limits under the GLWB Rider may reduce the benefit by an amount greater than the value withdrawn or could terminate the benefit.The MADB is decreased by the same proportion as the Accumulated Value is decreased by a partial surrender. This may reduce the rider value by an amount greater than the value withdrawn or could terminate the benefit. After Contract Age 80, the benefit is adjusted only for additional premium or withdrawals.

Tax Implications [Text Block]

You should consult with a tax professional to determine the tax implications of an investment in and withdrawals or benefits received under the Contract. There is no additional tax benefit if the Contract is purchased through a tax-qualified individual retirement account (IRA). Withdrawals will be subject to ordinary income tax and may be subject to a 10% federal tax penalty, if under age 59 1∕2 and no exception applies.

Investment Professional Compensation [Text Block]

Financial advisors or professionals receive compensation for selling the Contracts through commissions based on the contributions you make to the contract. They also receive trailing compensation based on the Contract’s Accumulated Value. Financial advisors or professionals may have a financial incentive to offer or recommend the Contract over another investment.

Exchanges [Text Block]

Some financial advisors or professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange your Contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable for you to purchase the new Contract rather than continue to own the existing Contract.

Item 4. Fee Table [Text Block]

Fee TableThe following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from an Investment Option or from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from an Investment Option or from the Contract, or transfer Accumulated Value between Investment Options. State premium taxes do not apply.

Transaction Expenses	Maximum Fees
Sales Load Imposed on Purchases (as a percentage of purchase payments)	0%
Surrender Charge (as a percentage of amount surrendered)1	7%
Transfer Charge2	$25

1We may assess a Surrender Charge for partial surrenders or surrenders that exceed the greatest of the 10% free surrender amount, contract earnings, or Required Minimum Distribution. Each premium payment will have its own 7-year Surrender Charge schedule. Earnings in the Contract are removed first and always without a Surrender Charge. Then, premiums are removed from the Contract on a first-in, first-out basis and are assessed Surrender Charges based on full years since allocation. The Surrender Charge is 7% during the first two years and decreases by 1% for the next five years. 2You are allowed 24 transfers each Contract Year without a Transfer Charge. Transfers in excess of 24 will incur a $25 fee. Be advised additional transfers may be subject to our frequent trading policies. The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Portfolio Company fees and expenses). If you choose to purchase an optional benefit, you will pay additional charges, as shown below. You may only add an optional benefit at the time of application and can only select the MADB Rider or the GLWB Rider. You may not select both.

Annual Contract Expenses	Maximum	Current
Administrative Expenses3	$50	$50
Base Contract Expenses (as a percentage of the daily net assets in the Subaccounts)4	1.25%	1.25%
Optional Benefit Expenses	Maximum	Current
Maximum Anniversary Death Benefit (MADB) Rider Charge (as a percentage of MADB)5	0.50%	0.25%
Thrivent Income Builder (GLWB) Rider Charge (as a percentage of the Benefit Base)6	2.50%	See GLWB Rate Sheet

3We will charge an Administrative Expense on each Contract Anniversary. We will waive the charge on any anniversary when the Accumulated Value is at least $50,000. 4The Mortality and Expense Risk Charge pending payout due to a death claim is based on the average daily net assets of the Variable Account and is equal to an annual rate of 0.95%. 5The MADB Charge is the charge for this Rider. The MADB Charge will be calculated on each Rider Quarterly Anniversary. It will be calculated as the MADB multiplied by the Maximum Anniversary Death Benefit (MADB) Charge Rate, divided by four, and withdrawn quarterly. The first charge will be deducted on the first Rider Quarterly Anniversary for the three-month period that started on the Rider Date of Issue. Thereafter, the charge for each three-month period will be deducted on the Rider Quarterly Anniversary immediately after that three-month period. 6The charge is multiplied by the GLWB Benefit Base, divided by four, and withdrawn quarterly. The first charge will be deducted on the first Rider Quarterly Anniversary for the three-month period that started on the Rider Date of Issue. Thereafter, the charge for each three-month period will be deducted on the Rider Quarterly Anniversary immediately after that three-month period. The current charge for new elections for the GLWB Rider is disclosed in a GLWB Rate Sheet Prospectus Supplement.Different fees and charges may apply after the Contract has been annuitized.

Charges after the Annuity Date
Commuted Value Charge (for Settlement Options that can be surrendered)	0.25%

As a fraternal benefit society, Thrivent is also required to have a Maintenance of Solvency provision that could require you to pay us an amount to maintain our financial strength. For a complete discussion of the Maintenance of Solvency provision, see Maintenance of Solvency in the statutory prospectus. The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of the Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document in Appendix A.

Annual Portfolio Company Expenses	Minimum	Maximum
Expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses	0.22%	2.575%
Expenses after reimbursements and/or fee waivers	0.22%	2.575%7

7The “Expenses after reimbursements and/or fee waivers” line in the above table shows the minimum and maximum fees and expenses charged by all of the Portfolios after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce Annual Portfolio Company Expenses and will continue for at least one year from the date of this prospectus.

Sales Load (of Purchase Payments), Current [Percent]

0.00%

Deferred Sales Load (of Amount Surrendered), Current [Percent]

7.00%

Deferred Sales Load, Footnotes [Text Block]

We may assess a Surrender Charge for partial surrenders or surrenders that exceed the greatest of the 10% free surrender amount, contract earnings, or Required Minimum Distribution. Each premium payment will have its own 7-year Surrender Charge schedule. Earnings in the Contract are removed first and always without a Surrender Charge. Then, premiums are removed from the Contract on a first-in, first-out basis and are assessed Surrender Charges based on full years since allocation. The Surrender Charge is 7% during the first two years and decreases by 1% for the next five years.

Transfer Fee, Current [Dollars]

$ 25

Transfer Fee, Footnotes [Text Block]

You are allowed 24 transfers each Contract Year without a Transfer Charge. Transfers in excess of 24 will incur a $25 fee. Be advised additional transfers may be subject to our frequent trading policies.

Annual Contract Expenses [Table Text Block]

Annual Contract Expenses	Maximum	Current
Administrative Expenses3	$50	$50
Base Contract Expenses (as a percentage of the daily net assets in the Subaccounts)4	1.25%	1.25%
Optional Benefit Expenses	Maximum	Current
Maximum Anniversary Death Benefit (MADB) Rider Charge (as a percentage of MADB)5	0.50%	0.25%
Thrivent Income Builder (GLWB) Rider Charge (as a percentage of the Benefit Base)6	2.50%	See GLWB Rate Sheet

Administrative Expense, Maximum [Dollars]

$ 50

Administrative Expense, Current [Dollars]

$ 50

Administrative Expense, Footnotes [Text Block]

We will charge an Administrative Expense on each Contract Anniversary. We will waive the charge on any anniversary when the Accumulated Value is at least $50,000.

Base Contract Expense (of Other Amount), Maximum [Percent]

1.25%

Base Contract Expense (of Other Amount), Current [Percent]

1.25%

Base Contract Expense, Footnotes [Text Block]

The Mortality and Expense Risk Charge pending payout due to a death claim is based on the average daily net assets of the Variable Account and is equal to an annual rate of 0.95%.

Other Annual Expense (of Other Amount), Current [Percent]

0.25%

Annual Portfolio Company Expenses [Table Text Block]

Annual Portfolio Company Expenses	Minimum	Maximum
Expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses	0.22%	2.575%
Expenses after reimbursements and/or fee waivers	0.22%	2.575%7

Portfolio Company Expenses [Text Block]

Expenses that are deducted from Portfolio assets, including management fees, distribution and/or service (12b-1) fees, and other expenses

Portfolio Company Expenses Minimum [Percent]

0.22%

Portfolio Company Expenses Maximum [Percent]

2.575%

Portfolio Company Expenses, Footnotes [Text Block]

The “Expenses after reimbursements and/or fee waivers” line in the above table shows the minimum and maximum fees and expenses charged by all of the Portfolios after taking into account contractual fee waiver or reimbursement arrangements in place. Those contractual arrangements are designed to reduce Annual Portfolio Company Expenses and will continue for at least one year from the date of this prospectus.

Surrender Example [Table Text Block]

	If you surrender your Contract at the end of the applicable time period:
		$11,942	$23,778	$35,139	$65,977

Annuitize Example [Table Text Block]

	If you annuitize your Contract at the end of the applicable time period:
		$11,942	$23,778	$31,817	$65,977

No Surrender Example [Table Text Block]

	If you do not surrender your Contract:
		$5,686	$18,588	$31,817	$65,977

Item 5. Principal Risks [Table Text Block]

Principal Risks of Investing in the Contract This annuity has some risks which may include the following: ♦ Market Risk. You can lose money by investing in the Contract, including loss of principal. You bear all the investment risk for amounts allocated to one or more of the Portfolios, which invest in underlying Funds. If the Portfolios you select increase in value, then your Accumulated Value goes up; if they decrease in value, your Accumulated Value goes down. How much your Accumulated Value goes up or down depends on the performance of the Portfolios. We do not guarantee the investment results of any Portfolio. An investment in the Contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the prospectus for the Portfolio before making an investment decision. Neither the U.S. Government nor any federal agency insures or guarantees your investment in the Contract.♦ Early Withdrawal Risk. The Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Early withdrawals may be subject to a significant surrender charge. If you make a withdrawal prior to age 59 1∕2, there may be adverse tax consequences, including a 10% federal tax penalty. In addition, a withdrawal could reduce the value of standard and optional benefits. The benefits of tax deferral, long-term income, and living benefit protections also mean that the Contract is more beneficial to investors with a long-time horizon.♦ Contract Benefits Risk. Death benefits are reduced by withdrawals on a pro-rata basis. Excess GLWB Rider withdrawals reduce the benefits provided by the Rider. There is also a risk that any financial return of an optional benefit, if any, will ultimately be less than the amount you paid for the benefit. If you elect a partial or a full surrender into a settlement option, benefits related to your deferred value will be reduced or terminated.♦ Insurance Company Risk. An investment in the Contract is subject to the risks related to Thrivent. Insurance obligations, guarantees, and benefits of the Contract are subject to the claims-paying ability of Thrivent.♦ Contract Changes Risk. At any time, we may change, add, delete, or replace investment options applicable to existing Accumulated Value and new premiums. We may also add, delete, or substitute Subaccounts as permitted by law. We may substitute shares of another Subaccount, which may have differences such as (among other things) different fees and expenses, objectives, and risks, for shares of an existing Subaccount, at our discretion. We may also close Subaccounts to allocations of premiums or Accumulated Value, or both, at any time in our discretion. Our decision to make modifications will be based on several factors including the general market conditions and the style and investment objectives of the Subaccount investments. You will be notified at least 30 days prior to the date of any change. At the time you receive Notice of a change to the Subaccounts you may submit your own reallocation instructions. If you take no action, you may be subject to rebalancing in order to satisfy an investment restriction related to an optional benefit rider.♦ Fixed Account Risk. Amounts invested in the Fixed Account will be subject to the financial strength and claims-paying ability of Thrivent.♦ Investment Restrictions. We reserve the right to limit transfers, and there is a $25 charge per transfer when you transfer your Contract Value between the investment options more than 24 times in a Contract Year. In addition, the amount transferred from the Fixed Account in any Contract Year may not exceed the greater of $500 or 25% of the Accumulated Value in the Fixed Account. We may impose limits on the minimum and maximum amounts that you may invest or other transaction limits that may limit your use of the Contract. In addition, we reserve the right to add, remove or substitute investment options.♦ Premium Payment Risk. The maximum aggregate Premiums you may make without our prior approval is $1 million.♦ Fees and Charges. Deduction of Contract fees and charges, and optional benefit charges, may result in loss of principal. We reserve the right to increase the fees and charges under the Contract and optional benefits up to the maximum guaranteed fees and charges stated in your Contract or optional benefit rider.♦ Possible Adverse Tax Consequences. The tax considerations associated with the Contract vary and can be complicated. The applicable tax rules can differ, depending on the type of Contract, whether non-qualified, traditional IRA or Roth IRA. Before making contributions to your Contract or taking other action related to your Contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Contract. ♦ Risks Affecting our Administration of Your Contract. We and our service providers and business partners are subject to certain risks, including those resulting from system failures, cybersecurity events and other disasters. Such events can adversely impact us and our operations. These risks are common to all insurers and financial service providers and may materially impact our ability to administer the Contract (and to keep Contract owner information confidential).♦ Alternatives to the Contract. Other contracts or investments may provide more favorable returns or benefits, as well as lower costs, than the Contract.♦ Potentially Harmful Trading Activity. The Contract is not designed for frequent trading by anyone. Frequent trading may disrupt the underlying Portfolios and could negatively impact performance, by interfering with efficient management and reducing long-term returns, and increasing administrative costs. To protect Owners and the underlying Portfolios, we have policies and procedures to deter frequent trading between and among the Portfolios. We cannot guarantee that these policies and procedures will be effective in detecting and preventing all trading activity that could potentially disadvantage or hurt the rights or interests of other Owners.♦ Cybersecurity Risk. We and our service providers may be susceptible to operational, cybersecurity, and related risks. In general, cybersecurity events can result from deliberate or unintentional events. Cybersecurity events include, but are not limited to, acts or attempts to gain unauthorized access to information and/or information systems, or to otherwise disrupt operations. Cybersecurity events affecting us, a Subaccount, or our service providers have the ability to disrupt and impact your Contract and our operations, including but not limited to, financial losses, ability to calculate Contract values and benefits, corrupting data or preventing parties from sharing information necessary for our operations, preventing and/or slowing transactions, potentially subjecting us to regulatory fines and penalties, and creating additional compliance costs. Similar types of cybersecurity risks are also present for issuers or securities in which the Subaccounts may invest, which could result in material adverse consequences for such issuers and may cause the Subaccounts’ investments in such companies to lose value. While we and our service providers have established reasonable controls to mitigate the risk of a cybersecurity event, there are inherent limitations in such controls, plans and systems. Additionally, while we do have control frameworks and we do perform due diligence on our service providers, we cannot fully control the cybersecurity plans and systems put in place by our service providers or any other third parties whose operations may affect the Subaccounts or your Contract. Although we attempt to minimize such failures through controls and oversight, it is not possible to identify all operation risks that may affect the Subaccounts or your Contract, or to develop processes and controls that completely eliminate or mitigate the occurrence of such failures or other disruptions in service. The value of an investment in a Subaccount may be adversely affected by the occurrence of the operational errors, failures, technological issues, or other similar events, and you may bear costs tied to these risks.

Benefits Available (N-4) [Text Block]

Benefits Available Under the Contract The following tables summarize information about the benefits under the Contract. Death Benefits

Name of Benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Current Fee	Brief Description of Restrictions and Limitations
Standard Death Benefit	A Standard Death Benefit is payable if an Owner dies before the Maximum Annuity Date. It is equal to the greater of the Accumulated Value or the premiums adjusted for withdrawals. Withdrawals decrease the Standard Death Benefit by the same proportion as the Accumulated Value was decreased by the amount taken.	Standard	No additional charge	No additional charge	♦ Withdrawals reduce the benefit.
Maximum Anniversary Death Benefit (MADB) Rider	The MADB Rider provides for a death benefit calculation that takes into account the highest Accumulated Value on any Contract Anniversary up to Contract Age 80, adjusted for any premiums or withdrawals made after the anniversary.	Optional	0.50%1 (as a percentage of MADB)	0.25%1 (as a percentage of MADB)	♦ Only available at issue if you are no more than Issue Age nearest 75. ♦ After Contract Age 80, the benefit is only adjusted for additional premiums or withdrawals. ♦ Not available with GLWB. ♦ The MADB is decreased by the same proportion as the Accumulated Value is decreased by a partial surrender. This may reduce the rider value by an amount greater than the value withdrawn or could terminate the benefit.

1See Charges-MADB Rider Charge in this prospectus for more information.Living Benefit

Name of Benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Current Fee	Brief Description of Restrictions and Limitations
Thrivent Income Builder Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider	Allows you to withdraw up to a Guaranteed Annual Withdrawal Amount (GAWA) each Contract Year for life, as long as you don’t exceed the amount permitted.	Optional	2.50%2 (as a percentage of GLWB Benefit Base)	See GLWB Rate Sheet%2	♦ Investment restrictions apply. ♦ Only available at issue if you are age nearest 50 to 85 on the Rider Date of Issue. ♦ The minimum required premium is $25,000. ♦ The GLWB Benefit Base is limited to a maximum amount in your Contract ($30 million or $10 million depending on the state.) ♦ Cannot terminate Rider until 2 years after issue. ♦ Not available with MADB Rider. ♦ A GLWB Excess Surrender may reduce the GLWB Benefit Base and the Guaranteed Annual Withdrawal Amount by more than the amount of the GLWB Excess Surrender.

2See Charges-Thrivent Income Builder (GLWB) Rider Charge for more information.Other Benefits

Name of Benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Current Fee	Brief Description of Restrictions and Limitations
Automatic Asset Rebalancing	Asset Rebalancing allows you to elect a specific asset allocation to maintain over time.	Standard	None	None	♦ You may not include the Fixed Account.
Dollar Cost Averaging	Dollar Cost Averaging allows you to have automatic periodic transfers to one or more Subaccounts other than the Fixed Account. If you have a GLWB Rider, quarterly Asset Rebalancing will happen automatically to conform with the rider’s investment restrictions.	Standard	None	None	♦ You may not Dollar Cost Average into the Fixed Account.
Systematic Partial Surrenders	Allows for ongoing withdrawals from your investment options during the Accumulation Phase.	Standard	None	None	♦ Surrender Charges may apply. ♦ Taxes and penalties may apply.
Free Surrender Amounts	Surrender Charges apply only to amounts that exceed the greatest of 10% of the Accumulated Value existing at the time the first surrender is made in a Contract Year, the Contract’s earnings or Required Minimum Distribution.	Standard	None	None	♦ Restrictions apply to each separate Contract Year.
Confinement of the Owner in a Hospital, Nursing Home, or Hospice	Surrender Charges are waived during or within 90 days after the end of confinement of the owner.	Standard	None	None	♦ Confinement must begin after the Contract has been issued and must continue at least 30 days.
Terminal Illness	Surrender Charges are waived if the Owner has a life expectancy of 12 months or less.	Standard	None	None	♦ Certification from a licensed physician acting within the scope of his or her license will be required.

Benefits Available [Table Text Block]

Name of Benefit	Purpose	Is Benefit Standard or Optional	Maximum Fee	Current Fee	Brief Description of Restrictions and Limitations
Automatic Asset Rebalancing	Asset Rebalancing allows you to elect a specific asset allocation to maintain over time.	Standard	None	None	♦ You may not include the Fixed Account.
Dollar Cost Averaging	Dollar Cost Averaging allows you to have automatic periodic transfers to one or more Subaccounts other than the Fixed Account. If you have a GLWB Rider, quarterly Asset Rebalancing will happen automatically to conform with the rider’s investment restrictions.	Standard	None	None	♦ You may not Dollar Cost Average into the Fixed Account.
Systematic Partial Surrenders	Allows for ongoing withdrawals from your investment options during the Accumulation Phase.	Standard	None	None	♦ Surrender Charges may apply. ♦ Taxes and penalties may apply.
Free Surrender Amounts	Surrender Charges apply only to amounts that exceed the greatest of 10% of the Accumulated Value existing at the time the first surrender is made in a Contract Year, the Contract’s earnings or Required Minimum Distribution.	Standard	None	None	♦ Restrictions apply to each separate Contract Year.
Confinement of the Owner in a Hospital, Nursing Home, or Hospice	Surrender Charges are waived during or within 90 days after the end of confinement of the owner.	Standard	None	None	♦ Confinement must begin after the Contract has been issued and must continue at least 30 days.
Terminal Illness	Surrender Charges are waived if the Owner has a life expectancy of 12 months or less.	Standard	None	None	♦ Certification from a licensed physician acting within the scope of his or her license will be required.

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

Appendix A: Investment Options Available Under the Contract(a) Variable Options Available Under the ContractThe following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio, which may be amended from time to time and can be found online at dfinview.com/Thrivent/RetirementChoice. You can also request this information at no cost by calling (800) 847-4836 or by sending an email request to mail@thrivent.com. If you have elected the GLWB Rider, certain investment restrictions will apply. See “Appendix B: Investment Options Available Under a Contract with GLWB Rider” for information regarding the allocation restrictions associated with this optional benefit.The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.

Prospectuses Available [Text Block]

Transaction Expenses	Maximum Fees
Sales Load Imposed on Purchases (as a percentage of purchase payments)	0%
Surrender Charge (as a percentage of amount surrendered)1	7%
Transfer Charge2	$25

The following is a list of Portfolio Companies available under the Contract. More information about the Portfolio Companies is available in the prospectuses for the Portfolio, which may be amended from time to time and can be found online at dfinview.com/Thrivent/RetirementChoice. You can also request this information at no cost by calling (800) 847-4836 or by sending an email request to mail@thrivent.com. If you have elected the GLWB Rider, certain investment restrictions will apply. See “Appendix B: Investment Options Available Under a Contract with GLWB Rider” for information regarding the allocation restrictions associated with this optional benefit.The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Portfolio Company’s past performance is not necessarily an indication of future performance.

Portfolio Companies [Table Text Block]

INVESTMENT TYPE	PORTFOLIO COMPANY; ADVISER (SUBADVISER)	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/25)
INVESTMENT TYPE	PORTFOLIO COMPANY; ADVISER (SUBADVISER)	CURRENT EXPENSES	1 YEAR	5 YEAR	10 YEAR
Global Large-Stock Growth	American Funds IS® Global Growth Portfolio - Class 4; Capital Research and Management Company	0.90%1	21.34%	7.97%	11.89%
Large Blend	American Funds IS® Growth-Income Portfolio - Class 4; Capital Research and Management Company	0.78%	17.77%	13.62%	13.63%
Foreign Large Blend	American Funds IS® International Growth and Income Portfolio - Class 4; Capital Research and Management Company	1.06%	35.09%	7.42%	7.54%
Foreign Large Growth	American Funds IS® International Portfolio - Class 4; Capital Research and Management Company	0.97%	26.41%	3.14%	6.73%
Intermediate Core-Plus Bond	BlackRock Total Return V.I. Portfolio Class III; BlackRock Advisors, LLC	0.74%1	7.60%	-0.67%	1.86%
Bank Loan	Eaton Vance VT Floating-Rate Income Portfolio - Initial Class; Eaton Vance Management	1.19%	3.95%	4.64%	4.43%
Diversified Emerging Mkts	Fidelity® VIP Emerging Markets Portfolio - Service Class 2; Fidelity Management and Research Company LLC	1.12%	40.79%	5.62%	10.66%
Equity Energy	Fidelity® VIP Energy Portfolio - Service Class 2; Fidelity Management and Research Company LLC	0.85%	10.34%	23.86%	7.69%
Foreign Large Growth	Fidelity® VIP International Capital Appreciation Portfolio - Service Class 2; Fidelity Management and Research Company LLC	1.02%	18.36%	5.99%	9.53%
Mid-Cap Value	Fidelity® VIP Value Portfolio - Service Class 2; Fidelity Management and Research Company LLC	0.85%	10.95%	12.82%	10.96%
Small Value	Franklin Small Cap Value VIP Portfolio - Class 2; Franklin Mutual Advisers, LLC	0.91%1	7.65%	8.86%	9.81%
Intermediate Core Bond	Goldman Sachs VIT Core Fixed Income Portfolio - Service Class; Goldman Sachs Asset Management, L.P.	0.67%1	7.32%	-0.81%	1.86%
Small Blend	Goldman Sachs VIT Small Cap Equity Insights Portfolio - Service Class; Goldman Sachs Asset Management, L.P.	1.07%1	15.82%	10.19%	10.57%
Mid-Cap Growth	Janus Henderson VIT Enterprise Portfolio - Service Class; Janus Henderson Investors, US LLC	0.97%	7.41%	7.35%	12.51%

INVESTMENT TYPE	PORTFOLIO COMPANY; ADVISER (SUBADVISER)	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/25)
INVESTMENT TYPE	PORTFOLIO COMPANY; ADVISER (SUBADVISER)	CURRENT EXPENSES	1 YEAR	5 YEAR	10 YEAR
Large Growth	Janus Henderson VIT Forty Portfolio - Service Class; Janus Henderson Investors, US LLC	0.87%	17.86%	11.37%	15.96%
Intermediate Core Bond	John Hancock VIT Core Bond Trust Portfolio - Series II; John Hancock Variable Trust Advisers LLC (Allspring Global Investments, LLC)	0.87%1	6.77%	-0.78%	1.70%
Foreign Small/Mid Blend	John Hancock VIT International Small Company Trust Portfolio - Series II; John Hancock Variable Trust Advisers LLC (Dimensional Fund Advisors LP)	1.26%1	34.67%	7.77%	7.57%
Multisector Bond	John Hancock VIT Strategic Income Opportunities Trust Portfolio - Series II; John Hancock Variable Trust Advisers LLC [Manulife Investment Management (US) LLC]	0.99%1	7.22%	1.34%	3.00%
Large Blend	MFS® VIT II Core Equity Portfolio - Service Class	1.03%1	12.22%	11.26%	13.53%
Technology	MFS® VIT II Technology Portfolio - Service Class	1.07%1	16.28%	12.17%	18.35%
Global Real Estate	MFS® VIT III Global Real Estate Portfolio - Service Class	1.15%1	3.30%	1.08%	4.76%
Mid-Cap Value	MFS® VIT III Mid Cap Value Portfolio - Service Class	1.04%1	5.75%	9.90%	9.69%
Small Growth	MFS® VIT New Discovery Series Portfolio - Service Class	1.12%1	12.56%	-0.54%	10.46%
Large Value	MFS® VIT Value Series Portfolio - Service Class	0.94%1	12.77%	9.69%	9.77%
Emerging Markets Bond	PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class	1.27%	14.86%	2.34%	4.96%
Global Bond	PIMCO VIT Global Bond Opportunitites Portfolio (Unhedged) - Advisor Class	1.25%	12.76%	0.07%	2.36%
Long Government	PIMCO VIT Long-Term US Government Portfolio - Advisor Class	2.575%	6.04%	-6.91%	-0.09%
Inflation- Protected Bond	PIMCO VIT Real Return Portfolio - Advisor Class	1.49%	7.74%	1.11%	3.11%
Large Blend	Principal VC Capital Appreciation Portfolio - Class 2; Principal Global Investors, LLC	0.88%	13.22%	13.53%	14.07%
Large Value	Principal VC Equity Income Portfolio - Class 2; Principal Global Investors, LLC	0.73%	15.25%	9.94%	11.24%
Foreign Large Value	Putnam VT International Value Portfolio - Class IB; Putnam Investment Management, LLC	1.06%	34.68%	12.49%	8.86%
Large Blend	Putnam VT U.S. Research Portfolio4 - Class IB; Putnam Investment Management, LLC	0.93%	17.88%	14.52%	15.07%
Global Bond	Templeton Global Bond VIP - Class 2; Franklin Advisers, Inc.	0.75%1	15.73%	-0.96%	-0.15%
Aggressive Allocation	Thrivent Aggressive Allocation Portfolio	0.85%1	15.81%	9.61%	11.26%
Large Blend	Thrivent All Cap Portfolio	0.66%	18.05%	11.90%	12.43%
Conservative Allocation	Thrivent Conservative Allocation Portfolio	0.50%	10.17%	4.03%	5.42%
Moderately Conservative Allocation	Thrivent Dynamic Allocation Portfolio	0.68%	12.62%	5.92%	6.84%
Diversified Emerging Mkts	Thrivent Emerging Markets Equity Portfolio	1.15%1	32.20%	2.10%	7.47%

INVESTMENT TYPE	PORTFOLIO COMPANY; ADVISER (SUBADVISER)	CURRENT EXPENSES	AVERAGE ANNUAL TOTAL RETURNS (as of 12/31/25)
INVESTMENT TYPE	PORTFOLIO COMPANY; ADVISER (SUBADVISER)	CURRENT EXPENSES	1 YEAR	5 YEAR	10 YEAR
Large Blend	Thrivent ESG Index Portfolio	0.36%1	17.78%	13.56%	N/A3
Global Large-Stock Blend	Thrivent Global Stock Portfolio	0.60%	20.82%	10.69%	10.67%
Intermediate Government	Thrivent Government Bond Portfolio	0.49%	7.32%	0.01%	1.74%
Health	Thrivent Healthcare Portfolio	0.92%	13.07%	4.62%	7.37%
High Yield Bond	Thrivent High Yield Portfolio	0.45%	8.78%	4.06%	5.32%
Corporate Bond	Thrivent Income Portfolio	0.44%	7.93%	0.38%	3.60%
Foreign Large Blend	Thrivent International Equity Portfolio	0.72%	30.87%	8.54%	7.41%
Foreign Large Blend	Thrivent International Index Portfolio	0.37%	31.15%	8.61%	N/A3
Large Growth	Thrivent Large Cap Growth Portfolio	0.43%	16.95%	12.89%	16.35%
Large Blend	Thrivent Large Cap Index Portfolio	0.22%	17.62%	14.17%	14.54%
Large Value	Thrivent Large Cap Value Portfolio	0.62%	19.65%	13.96%	12.16%
Mid-Cap Growth	Thrivent Mid Cap Growth Portfolio	0.89%1	2.50%	1.10%	N/A3
Mid-Cap Blend	Thrivent Mid Cap Index Portfolio	0.25%	7.23%	8.86%	10.46%
Mid-Cap Blend	Thrivent Mid Cap Stock Portfolio	0.66%	4.73%	6.86%	11.30%
Mid-Cap Value	Thrivent Mid Cap Value Portfolio	0.87%1	10.82%	11.31%	N/A3
Moderate Allocation	Thrivent Moderate Allocation Portfolio	0.70%1	13.63%	7.13%	8.38%
Moderately Aggressive Allocation	Thrivent Moderately Aggressive Allocation Portfolio	0.76%1	15.46%	8.30%	9.69%
Moderately Conservative Allocation	Thrivent Moderately Conservative Allocation Portfolio	0.65%1	12.10%	4.49%	6.04%
Money Market - Taxable	Thrivent Money Market Portfolio	0.31%	4.06%	3.05%	1.93%
Multisector Bond	Thrivent Multisector Bond Portfolio	0.74%	7.93%	2.43%	3.47%
Real Estate	Thrivent Real Estate Securities Portfolio	0.90%	0.67%	3.89%	4.68%
Short-Term Bond	Thrivent Short-Term Bond Portfolio	0.45%	6.06%	2.75%	2.89%
Small Growth	Thrivent Small Cap Growth Portfolio	0.94%1	1.87%	1.37%	N/A2
Small Blend	Thrivent Small Cap Index Portfolio	0.24%	5.80%	7.06%	9.57%
Small Blend	Thrivent Small Cap Stock Portfolio	0.70%	2.45%	7.50%	11.93%

Temporary Fee Reductions, Current Expenses [Text Block]

Current expenses reflect temporary fee reductions.

Fixed Options Available Legend [Text Block]

(b) Fixed Account Investment Option Available Under the Contract Premiums and Accumulated Value may be allocated to or transferred to the Fixed Account. We reserve the right to limit allocations or transfers to the Fixed Account. The amount transferred from the Fixed Account in any Contract Year may not exceed the greater of $500 or 25% of the Accumulated Value in the Fixed Account, excluding any Accumulated Value in the DCA Fixed Account, at the time the first transfer is made in that Contract Year. Amounts held in the Fixed Account are invested with our General Account. The interest rates for amounts in the Fixed Account depend on the date of allocation or transfer to the Fixed Account. We guarantee that the initial interest rate for each amount allocated or transferred to the Fixed Account will be effective for at least twelve months, and subsequent interest rates will not be changed more often than once every twelve months. The effective annual interest rate will never be less than the Fixed Account Guaranteed Minimum Interest Rate shown in your Contract. At our discretion, we may credit interest in excess of the guaranteed interest rate. For the current interest rate, please call our Service Center at 1-800-847-4836. The date of allocation or transfer is the date that interest begins to accrue. Interest is compounded daily. Interest guarantees are subject to Thrivent’s claims-paying ability.

Name	Term	Minimum Guaranteed Interest Rate
Fixed Account (all states except New York)	Life of the Contract	0.50% for Contracts issued on or after 10/1/2020 1.00% for Contracts issued before 10/1/2020
Fixed Account (New York only)	Life of the Contract	1.00%

Fixed Options Available [Table Text Block]

Fixed Account
(all states except New York)0.501.00Fixed Account
(New York only)1.00

Thrivent Retirement Choice Variable Annuity | American Funds IS Global Growth Portfolio - Class 4

Global Large-Stock Growth

American Funds IS® Global Growth Portfolio - Class 4; Capital Research and Management Company

0.90%

21.34%

7.97%

Thrivent Retirement Choice Variable Annuity | American Funds IS Growth-Income Portfolio - Class 4

11.89%

Large Blend

American Funds IS® Growth-Income Portfolio - Class 4; Capital Research and Management Company

0.78%

17.77%

13.62%

Thrivent Retirement Choice Variable Annuity | American Funds IS International Growth and Income Portfolio - Class 4

13.63%

Foreign Large Blend

American Funds IS® International Growth and Income Portfolio - Class 4; Capital Research and Management Company

1.06%

35.09%

7.42%

Thrivent Retirement Choice Variable Annuity | American Funds IS International Portfolio - Class 4

7.54%

Foreign Large Growth

American Funds IS® International Portfolio - Class 4; Capital Research and Management Company

0.97%

26.41%

3.14%

Thrivent Retirement Choice Variable Annuity | BlackRock Total Return V.I. Portfolio - Class III

6.73%

Intermediate Core-Plus Bond

BlackRock Total Return V.I. Portfolio Class III; BlackRock Advisors, LLC

0.74%

7.60%

(0.67%)

Thrivent Retirement Choice Variable Annuity | Eaton Vance VT Floating-Rate Income Portfolio - Initial Class

1.86%

Bank Loan

Eaton Vance VT Floating-Rate Income Portfolio - Initial Class; Eaton Vance Management

1.19%

3.95%

4.64%

Thrivent Retirement Choice Variable Annuity | Fidelity VIP Emerging Markets Portfolio - Service Class 2

4.43%

Diversified Emerging Mkts

Fidelity® VIP Emerging Markets Portfolio - Service Class 2; Fidelity Management and Research Company LLC

1.12%

40.79%

5.62%

Thrivent Retirement Choice Variable Annuity | Fidelity VIP Energy Portfolio - Service Class 2

10.66%

Equity Energy

Fidelity® VIP Energy Portfolio - Service Class 2; Fidelity Management and Research Company LLC

0.85%

10.34%

23.86%

Thrivent Retirement Choice Variable Annuity | Fidelity VIP International Capital Appreciation Portfolio - Service Class 2

7.69%

Foreign Large Growth

Fidelity® VIP International Capital Appreciation Portfolio - Service Class 2; Fidelity Management and Research Company LLC

1.02%

18.36%

5.99%

Thrivent Retirement Choice Variable Annuity | Fidelity VIP Value Portfolio - Service Class 2

9.53%

Mid-Cap Value

Fidelity® VIP Value Portfolio - Service Class 2; Fidelity Management and Research Company LLC

0.85%

10.95%

12.82%

Thrivent Retirement Choice Variable Annuity | Franklin Small Cap Value VIP Portfolio - Class 2

10.96%

Small Value

Franklin Small Cap Value VIP Portfolio - Class 2; Franklin Mutual Advisers, LLC

0.91%

7.65%

8.86%

Thrivent Retirement Choice Variable Annuity | Goldman Sachs VIT Core Fixed Income Portfolio - Service Class

9.81%

Intermediate Core Bond

Goldman Sachs VIT Core Fixed Income Portfolio - Service Class; Goldman Sachs Asset Management, L.P.

0.67%

7.32%

(0.81%)

Thrivent Retirement Choice Variable Annuity | Goldman Sachs VIT Small Cap Equity Insights Portfolio - Service Class

1.86%

Small Blend

Goldman Sachs VIT Small Cap Equity Insights Portfolio - Service Class; Goldman Sachs Asset Management, L.P.

1.07%

15.82%

10.19%

Thrivent Retirement Choice Variable Annuity | Janus Henderson VIT Enterprise Portfolio - Service Class

10.57%

Mid-Cap Growth

Janus Henderson VIT Enterprise Portfolio - Service Class; Janus Henderson Investors, US LLC

0.97%

7.41%

7.35%

Thrivent Retirement Choice Variable Annuity | Janus Henderson VIT Forty Portfolio - Service Class

12.51%

Large Growth

Janus Henderson VIT Forty Portfolio - Service Class; Janus Henderson Investors, US LLC

0.87%

17.86%

11.37%

Thrivent Retirement Choice Variable Annuity | John Hancock VIT Core Bond Trust Portfolio - Series II

15.96%

Intermediate Core Bond

John Hancock VIT Core Bond Trust Portfolio - Series II; John Hancock Variable Trust Advisers LLC (Allspring Global Investments, LLC)

0.87%

6.77%

(0.78%)

Thrivent Retirement Choice Variable Annuity | John Hancock VIT International Small Company Trust Portfolio- Series II

1.70%

Foreign Small/Mid Blend

John Hancock VIT International Small Company Trust Portfolio - Series II; John Hancock Variable Trust Advisers LLC (Dimensional Fund Advisors LP)

1.26%

34.67%

7.77%

Thrivent Retirement Choice Variable Annuity | John Hancock VIT Strategic Income Opportunities Trust Portfolio - Series II

7.57%

Multisector Bond

John Hancock VIT Strategic Income Opportunities Trust Portfolio - Series II; John Hancock Variable Trust Advisers LLC [Manulife Investment Management (US) LLC]

0.99%

7.22%

1.34%

Thrivent Retirement Choice Variable Annuity | MFS VIT II Core Equity Portfolio - Service Class

3.00%

Large Blend

MFS® VIT II Core Equity Portfolio - Service Class

1.03%

12.22%

11.26%

Thrivent Retirement Choice Variable Annuity | MFS VIT II Technology Portfolio - Service Class

13.53%

Technology

MFS® VIT II Technology Portfolio - Service Class

1.07%

16.28%

12.17%

Thrivent Retirement Choice Variable Annuity | MFS VIT III Global Real Estate Portfolio - Service Class

18.35%

Global Real Estate

MFS® VIT III Global Real Estate Portfolio - Service Class

1.15%

3.30%

1.08%

Thrivent Retirement Choice Variable Annuity | MFS VIT III Mid Cap Value Portfolio - Service Class

4.76%

Mid-Cap Value

MFS® VIT III Mid Cap Value Portfolio - Service Class

1.04%

5.75%

9.90%

Thrivent Retirement Choice Variable Annuity | MFS® VIT New Discovery Series Portfolio - Service Class

9.69%

Small Growth

MFS® VIT New Discovery Series Portfolio - Service Class

1.12%

12.56%

(0.54%)

Thrivent Retirement Choice Variable Annuity | MFS VIT Value Series Portfolio - Service Class

10.46%

Large Value

MFS® VIT Value Series Portfolio - Service Class

0.94%

12.77%

9.69%

Thrivent Retirement Choice Variable Annuity | PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class

9.77%

Emerging Markets Bond

PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class

1.27%

14.86%

2.34%

Thrivent Retirement Choice Variable Annuity | PIMCO VIT Global Bond Opportunities Portfolio (Unhedged) - Advisor Class

4.96%

Global Bond

PIMCO VIT Global Bond Opportunitites Portfolio (Unhedged) - Advisor Class

1.25%

12.76%

0.07%

Thrivent Retirement Choice Variable Annuity | PIMCO VIT Long-Term U.S. Government Portfolio - Advisor Class

2.36%

Long Government

PIMCO VIT Long-Term US Government Portfolio - Advisor Class

2.575%

6.04%

(6.91%)

Thrivent Retirement Choice Variable Annuity | PIMCO VIT Real Return Portfolio - Advisor Class

(0.09%)

Inflation- Protected Bond

PIMCO VIT Real Return Portfolio - Advisor Class

1.49%

7.74%

1.11%

Thrivent Retirement Choice Variable Annuity | Principal VC Capital Appreciation Portfolio - Class 2

3.11%

Large Blend

Principal VC Capital Appreciation Portfolio - Class 2; Principal Global Investors, LLC

0.88%

13.22%

13.53%

Thrivent Retirement Choice Variable Annuity | Principal VC Equity Income Portfolio - Class 2

14.07%

Large Value

Principal VC Equity Income Portfolio - Class 2; Principal Global Investors, LLC

0.73%

15.25%

9.94%

Thrivent Retirement Choice Variable Annuity | Putnam VT International Value Portfolio - Class IB

11.24%

Foreign Large Value

Putnam VT International Value Portfolio - Class IB; Putnam Investment Management, LLC

1.06%

34.68%

12.49%

Thrivent Retirement Choice Variable Annuity | Putnam VT U.S. Research Portfolio - Class IB

8.86%

Large Blend

Putnam VT U.S. Research Portfolio4 - Class IB; Putnam Investment Management, LLC

0.93%

17.88%

14.52%

Thrivent Retirement Choice Variable Annuity | Templeton Global Bond VIP Portfolio - Class 2

15.07%

Global Bond

Templeton Global Bond VIP - Class 2; Franklin Advisers, Inc.

0.75%

15.73%

(0.96%)

Thrivent Retirement Choice Variable Annuity | Thrivent Aggressive Allocation Portfolio

(0.15%)

Aggressive Allocation

Thrivent Aggressive Allocation Portfolio

0.85%

15.81%

9.61%

Thrivent Retirement Choice Variable Annuity | Thrivent All Cap Portfolio

11.26%

Large Blend

Thrivent All Cap Portfolio

0.66%

18.05%

11.90%

Thrivent Retirement Choice Variable Annuity | Thrivent Conservative Allocation Portfolio

12.43%

Conservative Allocation

Thrivent Conservative Allocation Portfolio

0.50%

10.17%

4.03%

Thrivent Retirement Choice Variable Annuity | Thrivent Dynamic Allocation Portfolio

5.42%

Moderately Conservative Allocation

Thrivent Dynamic Allocation Portfolio

0.68%

12.62%

5.92%

Thrivent Retirement Choice Variable Annuity | Thrivent Emerging Markets Equity Portfolio

6.84%

Diversified Emerging Mkts

Thrivent Emerging Markets Equity Portfolio

1.15%

32.20%

2.10%

Thrivent Retirement Choice Variable Annuity | Thrivent ESG Index Portfolio

7.47%

Large Blend

Thrivent ESG Index Portfolio

0.36%

17.78%

Thrivent Retirement Choice Variable Annuity | Thrivent Global Stock Portfolio

13.56%

Global Large-Stock Blend

Thrivent Global Stock Portfolio

0.60%

20.82%

10.69%

Thrivent Retirement Choice Variable Annuity | Thrivent Government Bond Portfolio

10.67%

Intermediate Government

Thrivent Government Bond Portfolio

0.49%

7.32%

0.01%

Thrivent Retirement Choice Variable Annuity | Thrivent Healthcare Portfolio

1.74%

Health

Thrivent Healthcare Portfolio

0.92%

13.07%

4.62%

Thrivent Retirement Choice Variable Annuity | Thrivent High Yield Portfolio

7.37%

High Yield Bond

Thrivent High Yield Portfolio

0.45%

8.78%

4.06%

Thrivent Retirement Choice Variable Annuity | Thrivent Income Portfolio

5.32%

Corporate Bond

Thrivent Income Portfolio

0.44%

7.93%

0.38%

Thrivent Retirement Choice Variable Annuity | Thrivent International Equity Portfolio

3.60%

Foreign Large Blend

Thrivent International Equity Portfolio

0.72%

30.87%

8.54%

Thrivent Retirement Choice Variable Annuity | Thrivent International Index Portfolio

7.41%

Foreign Large Blend

Thrivent International Index Portfolio

0.37%

31.15%

Thrivent Retirement Choice Variable Annuity | Thrivent Large Cap Growth Portfolio

8.61%

Large Growth

Thrivent Large Cap Growth Portfolio

0.43%

16.95%

12.89%

Thrivent Retirement Choice Variable Annuity | Thrivent Large Cap Index Portfolio

16.35%

Large Blend

Thrivent Large Cap Index Portfolio

0.22%

17.62%

14.17%

Thrivent Retirement Choice Variable Annuity | Thrivent Large Cap Value Portfolio

14.54%

Large Value

Thrivent Large Cap Value Portfolio

0.62%

19.65%

13.96%

Thrivent Retirement Choice Variable Annuity | Thrivent Mid Cap Growth Portfolio

12.16%

Mid-Cap Growth

Thrivent Mid Cap Growth Portfolio

0.89%

2.50%

Thrivent Retirement Choice Variable Annuity | Thrivent Mid Cap Index Portfolio

1.10%

Mid-Cap Blend

Thrivent Mid Cap Index Portfolio

0.25%

7.23%

8.86%

Thrivent Retirement Choice Variable Annuity | Thrivent Mid Cap Stock Portfolio

10.46%

Mid-Cap Blend

Thrivent Mid Cap Stock Portfolio

0.66%

4.73%

6.86%

Thrivent Retirement Choice Variable Annuity | Thrivent Mid Cap Value Portfolio

11.30%

Mid-Cap Value

Thrivent Mid Cap Value Portfolio

0.87%

10.82%

Thrivent Retirement Choice Variable Annuity | Thrivent Moderate Allocation Portfolio

11.31%

Moderate Allocation

Thrivent Moderate Allocation Portfolio

0.70%

13.63%

7.13%

Thrivent Retirement Choice Variable Annuity | Thrivent Moderately Aggressive Allocation Portfolio

8.38%

Moderately Aggressive Allocation

Thrivent Moderately Aggressive Allocation Portfolio

0.76%

15.46%

8.30%

Thrivent Retirement Choice Variable Annuity | Thrivent Moderately Conservative Allocation Portfolio

9.69%

Moderately Conservative Allocation

Thrivent Moderately Conservative Allocation Portfolio

0.65%

12.10%

4.49%

Thrivent Retirement Choice Variable Annuity | Thrivent Money Market Portfolio

6.04%

Money Market - Taxable

Thrivent Money Market Portfolio

0.31%

4.06%

3.05%

Thrivent Retirement Choice Variable Annuity | Thrivent Multisector Bond Portfolio

1.93%

Multisector Bond

Thrivent Multisector Bond Portfolio

0.74%

7.93%

2.43%

Thrivent Retirement Choice Variable Annuity | Thrivent Real Estate Securities Portfolio

3.47%

Real Estate

Thrivent Real Estate Securities Portfolio

0.90%

0.67%

3.89%

Thrivent Retirement Choice Variable Annuity | Thrivent Short-Term Bond Portfolio

4.68%

Short-Term Bond

Thrivent Short-Term Bond Portfolio

0.45%

6.06%

2.75%

Thrivent Retirement Choice Variable Annuity | Thrivent Small Cap Growth Portfolio

2.89%

Small Growth

Thrivent Small Cap Growth Portfolio

0.94%

1.87%

Thrivent Retirement Choice Variable Annuity | Thrivent Small Cap Index Portfolio

1.37%

Small Blend

Thrivent Small Cap Index Portfolio

0.24%

5.80%

7.06%

Thrivent Retirement Choice Variable Annuity | Thrivent Small Cap Stock Portfolio

9.57%

Small Blend

Thrivent Small Cap Stock Portfolio

0.70%

2.45%

7.50%

Thrivent Retirement Choice Variable Annuity | Standard Death Benefit [Member]

11.93%

StandardDeath Benefit

A Standard Death Benefit is payable if an Owner dies before the Maximum Annuity Date. It is equal to the greater of the Accumulated Value or the premiums adjusted for withdrawals. Withdrawals decrease the Standard Death Benefit by the same proportion as the Accumulated Value was decreased by the amount taken.

Standard Benefit Expense (of Other Amount), Maximum [Percent]

true

0.00%

Standard Benefit Expense (of Other Amount), Current [Percent]

0.00%

♦ Withdrawals reduce the benefit.

StandardDeath Benefit

Fees and Costs of Benefit [Text Block]

Death Benefit Before the Maximum Annuity Date We will pay Death Proceeds upon the death of an Owner. If the Owner is a Non-Natural Person, we will pay Death Proceeds upon the death of an Annuitant. Death Proceeds will be paid only if the date of death is before the Maximum Annuity Date and the Accumulated Value is greater than zero on the date of death. Death Proceeds will be paid to the beneficiaries. Death Proceeds are calculated at the end of the Valuation Period during which we receive at our Service Center a certified copy of the death certificate of the decedent, or other lawful evidence providing equivalent information. The amount of Death Proceeds is the greatest of the following: 1)The Accumulated Value. 2)The Standard Death Benefit. 3)The Maximum Anniversary Death Benefit, if any. Any amount of the Death Benefit in excess of the Accumulated Value will be allocated to the Subaccounts and/or the Fixed Account according to the ratio of the Accumulated Value in each to the Accumulated Value of the Contract. Once calculated, Death Proceeds may continue to be subject to the investment experience of the Subaccounts. When based on the investment experience of the Subaccounts, Death Proceeds may increase or decrease daily and are not guaranteed for a minimum dollar amount. Only when the beneficiary provides the claim form and all claim requirements in good order will that beneficiary’s share of the Death Proceeds be removed from the market so that claim payment can be made. In the case of multiple beneficiaries, we must receive a completed form from each beneficiary. We process each claim independently. Surrender Charges do not apply to Death Proceeds.Standard Death Benefit A Standard Death Benefit is payable if an Owner dies before the Maximum Annuity Date. The Standard Death Benefit is equal to the adjusted sum of premiums as follows: (1) As of the day a premium is received by us, the sum is increased by the amount of that premium. (2) As of the day a partial surrender is taken, the sum is decreased by the same proportion as the Accumulated Value was decreased by the amount taken. If this Contract is continued under Spousal Continuation, then on any date on or after the Continuation Date, the adjusted sum of premiums will be determined using only premiums paid and partial surrenders taken on or after the Continuation Date. The Accumulated Value on the Continuation Date will be deemed a premium paid on that date for purposes of this provision.

Death of Annuitant After an Annuity Date If an Annuitant dies while we are paying annuity income under a Settlement Option, any amounts payable will depend on the terms of that Settlement Option. See Annuity Period—Settlement Options.

Calculation Method of Benefit [Text Block]

Example of Calculation of Death Benefit: Carlos died on June 20. Since the Contract’s issue date, Carlos contributed a total of $300,000 of premium payments to his Contract and made no withdrawals. On June 25, we received proof of death. The current Accumulated Value of Carlos’s Contract on that day was $275,000. The Standard Death Benefit provides for an infusion to the Contract if the total premium payments adjusted for surrenders exceed the Accumulated Value when we receive proof of death. We determined Carlos’s Standard Death Benefit by comparing the following:

Comparison Values
Total premiums paid	$300,000
Accumulated Value	$275,000
Standard Death Benefit	$300,000

Since the highest value is $300,000, an amount is infused into the Contract to bring the value of the Contract up to $300,000 ($25,000 + $275,000 = $300,000). This amount equals the death benefit. Once the death benefit is calculated, the Death Proceeds payable fluctuate daily and are not guaranteed as to minimum dollar amount. No proceeds are distributed until we receive all claim requirements in good order.Example of Paying Death Proceeds to Beneficiaries: On June 25, we received proof of death; we determined that the death benefit was $300,000 as of that date (30,000 accumulation units x $10 each). Carlos’s two children are the beneficiaries and are entitled to 1∕2 each (as a result, each one is entitled to 15,000 accumulation units). Beneficiaries submit their claim forms on different dates. As a result they receive the following:

Date	Beneficiary	Accumulation Unit Value	Death Proceeds Received
July 10	Ramona	$11	15,000 x $11= $165,000
July 20	Sofia	$9	15,000 x $9= $135,000

Beneficiaries who are natural persons may elect to receive the Death Proceeds in a lump sum or according to one of the settlement plans described in the Contract. See Annuity Period - Settlement Options.

Thrivent Retirement Choice Variable Annuity | Thrivent Income Builder Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider

Optional Benefits Minimum [Percent]

0.50%

Optional Benefits Maximum [Percent]

2.50%

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

2.50%

Optional Benefit Expense (of Other Amount), Maximum [Percent]

2.50%

Optional Benefit Expense (of Other Amount), Current [Percent]

1.45%

See Charges-Thrivent Income Builder (GLWB) Rider Charge for more information.

Thrivent IncomeBuilderGuaranteedLifetimeWithdrawalBenefit(GLWB) Rider

Optional Benefit Expense (of Benefit Base), Maximum [Percent]

Allows you to withdraw up to a Guaranteed Annual Withdrawal Amount (GAWA) each Contract Year for life, as long as you don’t exceed the amount permitted.

Optional Benefit [Flag]

true

2.50%

Optional Benefit Expense (of Other Amount), Maximum [Percent]

2.50%

Optional Benefit Expense (of Other Amount), Current [Percent]

1.45%

See Charges-Thrivent Income Builder (GLWB) Rider Charge for more information.

♦ Investment restrictions apply.♦ Only available at issue if you are age nearest 50 to 85 on the Rider Date of Issue.♦ The minimum required premium is $25,000.♦ The GLWB Benefit Base is limited to a maximum amount in your Contract ($30 million or $10 million depending on the state.)♦ Cannot terminate Rider until 2 years after issue.♦ Not available with MADB Rider.♦ A GLWB Excess Surrender may reduce the GLWB Benefit Base and the Guaranteed Annual Withdrawal Amount by more than the amount of the GLWB Excess Surrender.

Thrivent IncomeBuilderGuaranteedLifetimeWithdrawalBenefit(GLWB) Rider

Calculation Method of Benefit [Text Block]

GLWB Rate Sheet Prospectus Supplement (“GLWB Rate Sheet”) From time to time, we will issue a GLWB Rate Sheet Prospectus Supplement that may reflect different Thrivent Income Builder (GLWB) Rider variables than what is described in this prospectus. You should not purchase this Thrivent Income Builder (GLWB) Rider without first obtaining any applicable GLWB Rate Sheet. The following GLWB variables may be changed through a GLWB Rate Sheet: GLWB Withdrawal Percentages Maximum GLWB Benefit Base GLWB Credit Percentage GLWB Benefit Base Guaranteed Minimum Current Thrivent Income Builder (GLWB) Rider Charge Thrivent Income Builder (GLWB) Rider investment restrictions You can find the current GLWB Rate Sheet at dfinview.com/Thrivent/RetirementChoice. or call our Service Center to request a copy. All GLWB Rate Sheets are also available on the EDGAR system at http://www.sec.gov under File Number 333-237618. In order to receive the GLWB Withdrawal Percentages, Maximum GLWB Benefit Base, GLWB Credit Percentage, GLWB Benefit Base Guaranteed Minimum, Thrivent Income Builder (GLWB) Rider Charge, and the Thrivent Income Builder (GLWB) Rider investment restrictions (1) your application must be signed and received in good order within the stated timeframe set forth in the applicable GLWB Rate Sheet Prospectus Supplement and (2) your initial premium must be received in good order while that GLWB Rate Sheet is in effect. If the necessary paperwork and initial premium are received after a new GLWB Rate Sheet has been issued, you will receive the applicable variables in effect on the rider issue date. A GLWB Rate Sheet has no specified end date and can be superseded at any time. If Thrivent supersedes a GLWB Rate Sheet, the new GLWB Rate Sheet will be filed on the EDGAR system a minimum of 10 business days prior to its effective date. If your Thrivent Income Builder (GLWB) Rider has already been issued, please refer to your Thrivent Income Builder (GLWB) Rider for guaranteed features. Your guarantees will not change. Thrivent Income Builder Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider The Thrivent Income Builder (GLWB) Rider is a Guaranteed Lifetime Withdrawal Benefit (GLWB) Rider that is an optional benefit that allows you to withdraw up to a Guaranteed Annual Withdrawal Amount (GAWA) each Contract Year for as long as the Thrivent Income Builder (GLWB) Rider is in force. The Thrivent Income Builder (GLWB) Rider is only available at issue or if Spousal Continuation is elected (and the Thrivent Income Builder (GLWB) Rider is still available). If you elect the Thrivent Income Builder (GLWB) Rider, you may not elect the Maximum Anniversary Death Benefit Rider. GAWA withdrawals are not subject to a Surrender Charge and may be withdrawn each Contract Year after the GLWB Calculation Date, described below. GLWB Calculation Date. The GLWB Calculation Date, is the date on which we determine the initial Guaranteed Annual Withdrawal Amount (GAWA). It is the earliest of the following dates: 1) The date that you take the first partial surrender from this Contract. That partial surrender is included in the GAWA for the Contract Year in which the surrender is taken. 2) The date that the Accumulated Value is reduced to zero, when that reduction in Accumulated Value is not the result of a surrender. 3) The Maximum Annuity Date. The GLWB Calculation Date cannot be deferred to a date later than as described above. Starting on the GLWB Calculation Date, the following provisions in the base Contract do not apply: 1) Minimum Accumulated Value. 2) Minimum remaining Accumulated Value after a partial surrender. The Benefit. While this rider is in force, no Surrender Charge will apply to partial surrenders as long as the total amount surrendered in a Contract Year is less than or equal to the Guaranteed Annual Withdrawal Amount (GAWA) for that Contract Year. Partial surrenders that do not exceed the GAWA for that Contract Year will not decrease the GLWB Benefit Base. Partial surrenders will decrease the Accumulated Value. If the Accumulated Value is reduced to zero and the GLWB Benefit Base is not zero, we will pay you the GAWA each year while a Covered Person is living. The GAWA will be paid under a settlement agreement that we will issue. Covered Person(s). The person(s) upon whose life the benefits of this rider are based. At the Rider Date of Issue, each Joint Covered Person will be the other Joint Covered Person’s sole, primary beneficiary. That beneficiary designation cannot be changed except as described in Divorce of Covered Persons Before the Maximum Annuity Date below. Covered Persons cannot be changed except that the surviving Joint Covered Person will continue as the sole Covered Person as described in Death of a Covered Person Before the GLWB Calculation Date and Death of a Covered Person Before the Maximum Annuity Date below. Divorce of Covered Persons Before the Maximum Annuity Date (for two Covered Persons only). If Covered Persons divorce, they continue as Covered Persons and this rider and its benefits continue unchanged, except that the beneficiary designation may be changed and Spousal Continuation is not an option. GLWB Withdrawal Percentage. The GLWB Withdrawal Percentage is set on the GLWB Calculation Date using the Contract Age of the Covered Person (or the younger Covered Person, if there are two) on that date. Once that GLWB Withdrawal Percentage is set on the GLWB Calculation Date, it cannot change. The GLWB Withdrawal Percentage will be based on the Contract Age of the Covered Person if a single GLWB or the youngest Covered Person if a joint GLWB and the Single and Joint percentages on the applicable GLWB Rate Sheet. For a joint GLWB, if one Covered Person has died before the GLWB Calculation Date, we will use the surviving Covered Person’s Contract Age and the percentage listed in the joint column on the applicable GLWB Rate Sheet. GLWB Benefit Base. If the Rider Date of Issue is the same as the Date of Issue of the Contract, the GLWB Benefit Base on the Rider Date of Issue is equal to the Initial Premium. Otherwise, the GLWB Benefit Base on the Rider Date of Issue is equal to the Accumulated Value as of the Rider Date of Issue. Please see the Thrivent Income Builder (GLWB) Rider and Spousal Continuation section for more information. Thereafter, GLWB Benefit Base will be adjusted as described below, not to exceed the Maximum GLWB Benefit Base on the applicable GLWB Rate Sheet. 1) When a premium is allocated under this Contract, the GLWB Benefit Base is increased by the amount of that premium. 2) At each Contract Anniversary, the GLWB Benefit Base will be increased as in (a) and (b) below, in the respective order shown. a) The GLWB Benefit Base will be increased by any Credit Amount applicable for that Contract Anniversary. b) The resulting GLWB Benefit Base is compared to the Accumulated Value. (i) Step Up: If the GLWB Benefit Base is less than that Accumulated Value, the GLWB Benefit Base will Step Up to equal the Accumulated Value. (ii) If the GLWB Benefit Base is not less than the Accumulated Value, no Step Up will be made. 3) On the Guarantee Date [The later of the 12th Contract Anniversary after the rider issue date or the Contract Anniversary the Covered Person (or the youngest if there are two) turns Contract Age 71], we will make any adjustment to the GLWB Benefit Base pursuant to GLWB Benefit Base Guaranteed Minimum. 4) As of any day that you have made a GLWB Excess Surrender, the GLWB Benefit Base is decreased as specified in GLWB Excess Surrender. The GLWB Benefit Base is used only for calculating benefits and the Thrivent Income Builder (GLWB) Charge. It cannot be taken as a Full or partial surrender and is not payable as part of Death Proceeds. GLWB Benefit Base Credit. The GLWB Benefit Base will be increased by the Credit Amount on each Contract Anniversary during a Credit Period if no surrender was made during the immediately prior Contract Year. Be advised that a required minimum distribution – “RMD”, is a surrender. Credit Amount. The Credit Amount is calculated as the Credit Base on the Contract anniversary, multiplied by the Credit Percentage effective on the applicable GLWB Rate Sheet. The initial Credit Amount is calculated at the beginning of the first Credit Period. A new Credit Amount is calculated at the beginning of any new Credit Period. Credit Base. If the Rider Date of Issue is the same as the Date of Issue of the Contract, the Credit Base equals the Initial Premium. Otherwise, the Credit Base equals the Accumulated Value on the Rider Date of Issue. Thereafter, the Credit Base is increased and decreased as follows: 1) Credit Base increase. a)If additional premium is allocated under this Contract, the Credit Base is increased by the amount of that premium. That new Credit Base is used starting on the next Contract Anniversary. b)If the GLWB Benefit Base increases due to Step Up, the Credit Base is increased to equal the GLWB Benefit Base. That new Credit Base is used starting on the Contract Anniversary one year following the Step Up. 2) Credit Base decrease. a)If the GLWB Benefit Base decreases as a result of a GLWB Excess Surrender, the Credit Base is decreased by the ratio of: i) The amount of the GLWB Excess Surrender: Divided by ii) The Accumulated Value prior to the surrender less the amount of the partial surrender that is not a GLWB Excess Surrender. That new Credit Base is used starting on the next Contract Anniversary. Credit Period. The first Credit Period begins on the Rider Date of Issue. Thereafter, a new Credit Period begins on any Contract Anniversary on which a GLWB Benefit Base Step Up causes the Credit Base to increase. The last Credit Period ends on the earliest of the following dates: 1)The date that a surrender or charge reduces the Accumulated Value to zero. 2)The later of the 10th Contract Anniversary after the Rider Date of Issue and the Contract Anniversary 10 years after the latest Contract Anniversary on which a GLWB Benefit Base increase due to Step Up caused the Credit Base to increase. 3)The Contract Anniversary when the older Covered Person reaches Contract Age 80. If the last Credit Period ends as in (2) and (3) immediately above, a Credit Amount will be added to the GLWB Benefit Base on the Contract Anniversary on which the Credit Period ended. The Accumulated Value of this Contract is not increased by any GLWB Benefit Base Credit or any increase to the Credit Base.Example of Thrivent Income Builder (GLWB) Rider getting a Benefit Base Credit, but not a Step Up: This example assumes a Credit Percentage of 4%. Please see the GLWB Rate Sheet for the Credit Percentage currently being offered. Kevin has the Thrivent Income Builder (GLWB) Rider and his initial premium is $100,000. On the rider date of issue, the GLWB Benefit Base is $100,000 and the Credit Base is $100,000. Kevin contributes no additional premium during the first Contract Year, and he takes no surrender during the first Contract Year. At the first Contract Anniversary, the Accumulated Value is $102,000. This example assumes a GLWB Benefit Base Credit of 4%. Kevin receives a GLWB Benefit Base Credit of $100,000 X 4% = $4,000, increasing the GLWB Benefit Base to $104,000. As the resulting GLWB Benefit Base is not less than the Accumulated Value, Kevin does not receive a Step Up. Example of Thrivent Income Builder (GLWB) Rider getting a Benefit Base Credit and a Step Up: This example assumes a Credit Percentage of 4%. Please see the GLWB Rate Sheet for the Credit Percentage currently being offered. Denise has the Thrivent Income Builder (GLWB) Rider and her initial premium is $100,000. On the rider date of issue, the GLWB Benefit Base is $100,000 and the Credit Base is $100,000. Denise contributes no additional premium during the first Contract Year, and she takes no surrender during the first Contract Year. At the first Contract Anniversary, the Accumulated Value is $108,000. This example assumes a GLWB Benefit Base Credit of 4%. Denise receives a GLWB Benefit Base Credit of $100,000 X 4% = $4,000, increasing the GLWB Benefit Base to $104,000. As the resulting GLWB Benefit Base is less than the Accumulated Value, Denise receives a Step Up and the GLWB Benefit Base is set equal to the Accumulated Value, making the GLWB Benefit Base $108,000. GLWB Benefit Base Guaranteed Minimum. The GLWB Benefit Base on the Guarantee Date will not be less than the GLWB Benefit Base Guaranteed Minimum if none of the following has occurred prior to that date: 1) A partial surrender has been made. 2) The Accumulated Value has been reduced to zero. The GLWB Benefit Base Guaranteed Minimum is calculated using the premium amounts allocated under this Contract. It is calculated as the sum of the following: 1) Premium allocated in the first Contract Year, multiplied by the percentage effective on the applicable GLWB Rate Sheet. 2) Premium allocated in subsequent Contract Years and no later than one day before the Guarantee Date, multiplied by the percentage effective on the applicable GLWB Rate Sheet. On the Guarantee Date, after all other adjustments to the GLWB Benefit Base on that Contract Anniversary, we will compare the GLWB Benefit Base to the GLWB Benefit Base Guaranteed Minimum. 1) If the GLWB Benefit Base is less than the GLWB Benefit Base Guaranteed Minimum, the GLWB Benefit Base will be adjusted to equal the GLWB Benefit Base Guaranteed Minimum. 2) If the GLWB Benefit Base is not less than the GLWB Benefit Base Guaranteed Minimum, no further adjustments will be made. The GLWB Benefit Base Guaranteed Minimum does not increase the Accumulated Value of this Contract and cannot be taken as a Full or partial surrender and is not payable as part of Death Proceeds.Guaranteed Annual Withdrawal Amount (GAWA). The initial GAWA is determined on the GLWB Calculation Date as: (1)The GLWB Withdrawal Percentage; Multiplied by (2)The GLWB Benefit Base on that day. The GAWA may change from year to year depending on whether the Benefit Base was increased, as described in this prospectus, or decreased as a result of GLWB Excess Surrenders. On any day that the Benefit Base is decreased, the GAWA will be adjusted, effective as of the next Contract Anniversary, to equal (a) the lesser of the Benefit Base on that date or the Maximum GLWB Benefit Base effective on the applicable GLWB Rate Sheet, multiplied by (b) the GLWB Withdrawal Percentage, and the GAWA will decrease. If the Benefit Base increases, your GAWA will increase. Your GAWA will not decrease unless your Benefit Base decreases. Any decrease in your GAWA is effective on the following Contract Anniversary. No Surrender Charges will apply when partial surrenders are made, except to the extent that total surrenders in a Contract Year exceed the greater of (a) the GAWA, or (b) the Surrender Charge free amount available under the Contract. Withdrawals of the GAWA are taxed in the same manner as partial surrenders under the Contract.Example of GAWA Single Covered Person: This example assumes a GLWB Withdrawal Percentage of 4%. Please see the GLWB Rate Sheet for the GLWB Withdrawal Percentage currently being offered. Kevin has the Thrivent Income Builder (GLWB) Rider and he is the single covered person. At the GLWB Calculation Date, Kevin’s Contract Age is 72, the GLWB Benefit Base is $100,000, and the assumed GLWB Withdrawal Percentage is 4%, based on his Contract Age. Kevin’s initial GAWA is determined on the calculation date as $4,000. On each Contract Anniversary thereafter while the rider is in force, the GAWA is redetermined as the GLWB Withdrawal Percentage (which cannot change) multiplied by the GLWB Benefit Base. Example of GAWA Joint Covered Persons: This example assumes a GLWB Withdrawal Percentage of 3.5%. Please see the GLWB Rate Sheet for the GLWB Withdrawal Percentage currently being offered. Kevin and Denise have the Thrivent Income Builder (GLWB) Rider (joint) and they are the two Covered Persons. At the GLWB Calculation Date, Kevin’s Contract Age is 72, Denise’s Contract Age is 67, the GLWB Benefit Base is $100,000, and the assumed GLWB Withdrawal Percentage is 3.5%, based on the youngest Contract Age of 67. The initial GAWA is determined on the calculation date as $3,500. On each Contract Anniversary thereafter while the rider is in force, the GAWA is redetermined as the GLWB Withdrawal Percentage (which cannot change) multiplied by the GLWB Benefit Base. GLWB Excess Surrenders. You have made a GLWB Excess Surrender on any day in a Contract Year that you make a partial surrender and the sum of partial surrenders taken in that Contract Year exceeds the Guaranteed Annual Withdrawal Amount (GAWA), except if the partial surrender made meets the Required Minimum Distribution Exception. The amount of the GLWB Excess Surrender is the sum of the partial surrenders taken in that Contract Year less the GAWA. If you take a GLWB Excess Surrender in a Contract Year, then the amount of any subsequent partial surrender you take in that Contract Year will also be a GLWB Excess Surrender. A GLWB Excess Surrender reduces the GLWB Benefit Base. As of any day that you have made a GLWB Excess Surrender, the GLWB Benefit Base is decreased as follows. The GLWB Benefit Base is decreased by the ratio of: 1) The amount of the GLWB Excess Surrender; Divided by 2) The Accumulated Value prior to the surrender less the amount of the partial surrender that is not a GLWB Excess Surrender. If the amounts surrendered are in excess of the GAWA and not eligible for the Required Minimum Distribution Exception, they are GLWB Excess Surrenders and will impact the GLWB Benefit Base.Example of GLWB Excess Surrender: Kevin has the Thrivent Income Builder (GLWB) Rider. Let’s assume his Guaranteed Annual Withdrawal Amount is $4,000, and his Accumulated Value is $103,000. Kevin takes a total of $10,000 out in the Contract Year. Therefore, the GLWB Excess Surrender is $6,000. Kevin’s Accumulated Value after taking out the $10,000 is $93,000 (no Surrender Charge occurs in this example). Kevin’s GLWB Benefit Base is decreased by the ratio of $6,000 ÷ ($103,000 - $4,000), which is 6.06%. Kevin’s Credit Base is decreased by the ratio of $6,000 ÷ ($103,000 - $4,000), which is 6.06%. A GLWB Excess Surrender may reduce the GLWB Benefit Base and the Guaranteed Annual Withdrawal Amount by more than the amount of the GLWB Excess Surrender. Required Minimum Distribution Exception. If a Required Minimum Distribution is greater than the GAWA, you may take partial surrenders up to the Required Minimum Distribution amount as determined below without it being considered a GLWB Excess Surrender. The cumulative partial surrenders that may be taken in a Contract Year without being considered a GLWB Excess Surrender are the greatest of the following: 1) During the portion of a Contract Year from the Contract Anniversary to the end of the calendar year that includes that Contract Anniversary: a) You may make cumulative partial surrenders up to the Required Minimum Distribution Amount for the calendar year that includes that Contract Anniversary without having them considered as a GLWB Excess Surrender. b) Any partial surrenders in excess of the amount in (a) above will be considered as a GLWB Excess Surrender. 2) During the portion of a Contract Year from the first day of the subsequent calendar year to the end of that Contract Year: a) If you did not make cumulative partial surrenders up to the Required Minimum Distribution Amount as in (1)(a) above, you may make cumulative partial surrenders up to the greatest of the following without having them considered as a GLWB Excess Surrender: i) The Required Minimum Distribution for that prior calendar year. ii) The Required Minimum Distribution for the subsequent calendar year. b) If you made cumulative partial surrenders in the prior calendar year as in (1)(b) above, any partial surrenders made will be considered a GLWB Excess Surrender.Example of GLWB Excess Surrender with Required Minimum Distribution Exception: Kevin has the Thrivent Income Builder (GLWB) Rider, his Guaranteed Annual Withdrawal Amount is $4,000, and his Accumulated Value is $103,000. Kevin takes out $11,000 in the portion of a Contract Year from the Contract Anniversary to the end of the calendar year. Let’s assume Kevin’s IRA has a Required Minimum Distribution amount for that calendar year of $5,000. Kevin may take up to the Required Minimum Distribution amount without having them considered a GLWB Excess Surrender. Therefore, the GLWB Excess Surrender is $6,000. Kevin’s Accumulated Value after the $11,000 partial surrender is $92,000 (no Surrender Charge occurs in this example). Kevin’s GLWB Benefit Base is decreased by the ratio of $6,000 ÷ ($103,000 - $5,000), which is 6.1224%. Kevin’s Credit Base is decreased by the ratio of $6,000 ÷ ($103,000 - $5,000), which is 6.1224%. GLWB Death Benefit. Death proceeds are the maximum of the Accumulated Value, the Standard Death Benefit and the GLWB Death Benefit. The GLWB Death Benefit on any day is equal to the adjusted sum of premiums determined as follows: 1) As of the day a premium is allocated to this Contract, the sum is increased by the amount of that premium. If the Rider Date of Issue is after the Date of Issue of the base Contract, the Accumulated Value on the Rider Date of Issue is considered a premium for purposes of this provision. 2) As of the day that a partial surrender is made that is not a GLWB Excess Surrender, the sum is decreased by the amount of the partial surrender. 3) As of the day that you have made a GLWB Excess Surrender, the sum is first decreased by the amount of the partial surrender that is not a GLWB Excess Surrender, and then is decreased by the ratio of: a) The amount of the GLWB Excess Surrender; Divided by b) The Accumulated Value prior to the surrender less the amount of the partial surrender that is not a GLWB Excess Surrender. Death of a Covered Person Before the GLWB Calculation Date.Upon the death of a single Covered Person, Death Proceeds may become payable. In lieu of receiving Death Proceeds, a Spouse who is the sole, primary beneficiary may be able to elect to continue the Contract under Spousal Continuation. The GLWB Rider terminates and cannot be re-added.
If one of the two Joint Covered Persons dies before the GLWB Calculation Date, this rider is unchanged, except that: (1)The surviving Joint Covered Person becomes the sole Joint Covered Person; and (2)The age of the surviving Joint Covered Person is deemed to be the age of the younger Joint Covered Person and will be used to set the GLWB Withdrawal Percentage on the GLWB Calculation Date using the applicable joint percentage. Death of a Covered Person After the GLWB Calculation Date but Before the Maximum Annuity Date. Upon the death of a single Covered Person, Death Proceeds may become payable. In lieu of receiving Death Proceeds, a Spouse who is the sole, primary beneficiary may be able to elect to continue the Contract under Spousal Continuation. The GLWB Rider terminates and cannot be re-added.

At the death of the first of the two Joint Covered Persons before the Maximum Annuity Date:(1)If the deceased Joint Covered Person is an Owner of this Contract: (a)If Spousal Continuation has been elected, this rider and its benefits continue unchanged, except that the surviving Joint Covered Person becomes the sole Joint Covered Person. (b)If Spousal Continuation has not been elected, Death Proceeds will be paid. All other benefits provided by this rider cease. (2)If the deceased Joint Covered Person is not an Owner of this Contract and elects Spousal Continuation, this rider and its benefits continue unchanged, except that the surviving Joint Covered Person becomes the sole Joint Covered Person. If this rider and its benefits continued as described above, at the death of the second Covered Person to die before the Maximum Annuity Date, Death Proceeds will be paid and will be calculated using the GLWB Death Benefit. All other benefits provided by this rider cease. Thrivent Income Builder (GLWB) Rider and Spousal Continuation. If an Owner dies before the Maximum Annuity Date and the Spouse of the Owner is the sole, primary beneficiary, the surviving Spouse may elect to continue the Contract as Owner. If the election to continue the Contract is not made within 60 days from the date we receive proof of death, the surviving Spouse will be deemed to have elected to continue the Contract effective on the Continuation Date. If the deceased Spouse was a single Covered Person under a GLWB Rider, that GLWB Rider terminates. A new GLWB Rider cannot be added to the Contract.Thrivent Income Builder (GLWB) Rider Investment Restrictions. If you have the optional Thrivent Income Builder (GLWB) Rider, you will be subject to investment restrictions. There are currently two options available, the Asset Allocation Option or the Custom Option. Premium and Accumulated Value allocations must comply with one of these options. The Asset Allocation Option requires 100% allocation among the available Subaccounts and there is no restriction on how much you can allocate into each Subaccount. The Custom Option has five different groups with a specified minimum or maximum percentage of premium or Accumulated Value that can be allocated to each group. You select the percentages of premium or Accumulated Value to allocate to Subaccounts within each group. Each option is also subject to automatic quarterly asset rebalancing. At any time, we may change, add, delete, or replace investment options applicable to existing Accumulated Value and new premiums. You will receive Notice if these change in the future. Please see Appendix B – Investment Options Available Under a Contract with GLWB Rider for more information. We may also add, delete, or substitute Subaccounts as permitted by law. We may substitute shares of another Subaccount, which may have differences such as (among other things) different fees and expenses, objectives, and risks, for shares of an existing Subaccount, at our discretion. We may also close Subaccounts to allocations of premiums or Accumulated Value, or both, at any time in our discretion. Our decision to make modifications will be based on several factors including the general market conditions and the style and investment objectives of the Subaccount investments. You will be notified at least 30 days prior to the date of any change. At the time you receive Notice of a change to the Subaccounts you may submit your own reallocation instructions. If you take no action, you may be subject to rebalancing in order to satisfy the investment restrictions. Automatic GLWB Asset Rebalancing. You may not add automatic transfers under Dollar Cost Averaging and Asset Rebalancing on a Contract with a GLWB Rider. However, the GLWB Rider automatically provides for quarterly rebalancing. On each subsequent Rider Quarterly Anniversary, after all other transactions and allocations to or from the Subaccounts, the Accumulated Value will be automatically rebalanced according to the new allocation targets. The rebalancing will occur at the end of the Valuation Period during which the Rider Quarterly Anniversary occurs. If that Rider Quarterly Anniversary is a day that doesn’t exist in that month, for purposes of rebalancing, that Rider Quarterly Anniversary will be considered to be the latest existing day in that month that is prior to that Rider Quarterly Anniversary. Thrivent Income Builder (GLWB) Charge.The Thrivent Income Builder (GLWB) Rider Charge will be deducted from the Subaccounts of the Variable Account on a pro rata basis according to the ratio of the accumulated value in each Subaccount of the Variable Account to the Accumulated Value of the Variable Account as of the Rider Quarterly Anniversary. The Thrivent Income Builder (GLWB) Rider Charge is deducted from the Fixed Account only if the Variable Account is depleted. This charge is deducted quarterly, beginning three months after the Date of Issue, on the same day of the month as the Date of Issue (or if that day does not occur in that month, on the last day of that month). On the day of the Thrivent Income Builder (GLWB) Rider Charge, the amount of the charge is determined by multiplying the GLWB Benefit Base by the Thrivent Income Builder (GLWB) Rider Charge Rate and dividing by 4. The first Thrivent Income Builder (GLWB) Rider Charge will be deducted on the first Rider Quarterly Anniversary for the three-month period that started on the Rider Date of Issue. Thereafter, the Thrivent Income Builder (GLWB) Rider Charge for each three-month period will be deducted on the Rider Quarterly Anniversary immediately after that three-month period. If the market is closed on the date the Thrivent Income Builder (GLWB) Rider Charge should be processed, the charge will be processed on the next Valuation Date. Termination of the Thrivent Income Builder. You may terminate the Thrivent Income Builder at any time provided it is at least two years after we issued the Thrivent Income Builder. The termination will be effective on the date we receive Notice from you. The Thrivent Income Builder also terminates at the earliest of any of the following events: ♦ the date of Contract termination; ♦ the date we receive proof of death of the first Covered Person to die if the deceased Covered Person is an Owner of this Contract and Spousal Continuation has not been elected; ♦ the date we receive proof of the death of the second Covered Person to die; ♦ the date that the GLWB Benefit Base is reduced to zero; ♦ the date at least two years after the Thrivent Income Builder Date of Issue that we receive your Notice to cancel the Thrivent Income Builder; ♦ the date you elect to receive proceeds from a Full Surrender under a settlement option; or ♦ the Maximum Annuity Date. If the Contract terminates because the GAWA that is surrendered exceeds the Accumulated Value and the GLWB Benefit Base is greater than zero, we will continue to pay you the GAWA each year for as long as at least one Covered Person is alive under a settlement agreement that we will issue. Additional Plan of Settlement. If this Thrivent Income Builder (GLWB Rider)) terminates on the Maximum Annuity Date, in addition to the plans of settlement described in Settlement Options, the following option will be available beginning on the Maximum Annuity Date. If you elect this option, income will be paid only under this Settlement Option. ♦ Guaranteed Annual Withdrawal Amount Settlement Option. We will pay you the GAWA each year while at least one Covered Person is living. The GAWA will be paid under a settlement agreement that we will issue.

Your Maximum GLWB Benefit Base will be limited to the dollar amount below. In addition, the following factors will be variables in the calculation of your GLWB Rider benefit.

GLWB Rider Features	Current
Maximum GLWB Benefit Base (in California, $10,000,000)	$30,000,000
GLWB Credit Percentage	6%
GLWB Benefit Base Guaranteed Minimum The GLWB Benefit Base Guaranteed Minimum is calculated using the premium amounts allocated under this contract. It is calculated as the sum of the following:
1) Premium allocated in the first Contract Year, multiplied by:	100%
2) Premium allocated in subsequent Contract Years and no later than one day before the Guarantee Date, multiplied by:
	100%

Your Maximum GLWB Benefit Base will be limited to the dollar amount below. In addition, the following factors will be variables in the calculation of your GLWB Rider benefit.

GLWB Rider Features	Current
Maximum GLWB Benefit Base	$30,000,000
GLWB Credit Percentage	6%
GLWB Benefit Base Guaranteed Minimum The GLWB Benefit Base Guaranteed Minimum is calculated using the premium amounts allocated under this contract. It is calculated as the sum of the following:
1) Premium allocated in the first Contract Year, multiplied by:	100%
2) Premium allocated in subsequent Contract Years and no later than one day before the Guarantee Date, multiplied by:
	100%

Thrivent Retirement Choice Variable Annuity | Maximum Anniversary Death Benefit

Optional Benefits Minimum [Percent]

0.20%

Optional Benefits Maximum [Percent]

0.50%

Optional Benefit Expense (of Other Amount), Maximum [Percent]

0.50%

Optional Benefit Expense (of Other Amount), Current [Percent]

0.25%

The MADB Charge is the charge for this Rider. The MADB Charge will be calculated on each Rider Quarterly Anniversary. It will be calculated as the MADB multiplied by the Maximum Anniversary Death Benefit (MADB) Charge Rate, divided by four, and withdrawn quarterly. The first charge will be deducted on the first Rider Quarterly Anniversary for the three-month period that started on the Rider Date of Issue. Thereafter, the charge for each three-month period will be deducted on the Rider Quarterly Anniversary immediately after that three-month period.See Charges-MADB Rider Charge in this prospectus for more information.

MaximumAnniversaryDeath Benefit(MADB) Rider

Optional Benefit Expense (of Other Amount), Maximum [Percent]

The MADB Rider provides for a death benefit calculation that takes into account the highest Accumulated Value on any Contract Anniversary up to Contract Age 80, adjusted for any premiums or withdrawals made after the anniversary.

Optional Benefit [Flag]

true

0.50%

Optional Benefit Expense (of Other Amount), Current [Percent]

0.25%

♦ Only available at issue if you are no more than Issue Age nearest 75.♦ After Contract Age 80, the benefit is only adjusted for additional premiums or withdrawals.♦ Not available with GLWB.♦ The MADB is decreased by the same proportion as the Accumulated Value is decreased by a partial surrender. This may reduce the rider value by an amount greater than the value withdrawn or could terminate the benefit.

MaximumAnniversaryDeath Benefit(MADB) Rider

Thrivent Retirement Choice Variable Annuity | Automatic Asset Rebalancing

Maximum Anniversary Death Benefit (MADB) Rider The Maximum Anniversary Death Benefit (MADB) Rider is only available at issue if no more than age 75 (age nearest). The MADB Rider is not available if you elect the Thrivent Income Builder (GLWB) Rider. For purposes of this MADB Rider, the individual referenced must be an Owner. If the Owner is a Non-Natural Person, the individual referenced must be an Annuitant. The amount of Death Proceeds is the greatest of the following: 1) The Accumulated Value. 2) The Standard Death Benefit. 3) The Maximum Anniversary Death Benefit. On any day through the Contract Anniversary on which the oldest individual attains Contract Age 80, the MADB is the greatest of the Anniversary Death Benefits determined as follows during the first Contract Year and for each Contract Anniversary. 1) The Anniversary Death Benefit on any day during the first Contract Year equals the adjusted sum of premiums determined as follows in chronological order: a) As of the day a premium is allocated to this Contract, the sum is increased by the amount of that premium. b) As of the day that a partial surrender is made, the sum is decreased by the same proportion as the Accumulated Value was decreased by the amount taken. 2) The Anniversary Death Benefit for a Contract Anniversary is the Accumulated Value on that anniversary adjusted as follows in chronological order: a) As of the day a premium is received by us, the benefit is increased by the amount of that premium. b) As of the day that a partial surrender is made, the benefit is decreased by the same proportion as the Accumulated Value was decreased by the amount taken. On any day after the Contract Anniversary on which the oldest individual attains Contract Age 80, the MADB is equal to the amount calculated in Section 2 above, at that individual’s Contract Age 80, adjusted in chronological order as in a) and b) above. This rider will terminate on the earliest of the following dates: 1) The date this Contract terminates. 2) The end of the Valuation Period during which we receive at our Service Center a certified copy of the death certificate of the decedent, or other lawful evidence providing equivalent information. 3) The date the Accumulated Value is reduced to zero. 4) The date at least two years after the Rider Date of Issue that we receive your Notice to cancel this rider. 5) The date you elect to receive proceeds from a Full Surrender under a Settlement Option. 6) The Maximum Annuity Date.Example of MADB Rider Where a Death Benefit Increase Occurs: Rumi elects the Maximum Anniversary Death Benefit (MADB) Rider at issue and her initial premium is $100,000. Rumi contributes no additional premium during the first Contract Year, and she takes no surrender during the first Contract Year. In the first Contract Year, Rumi’s MADB amount is $100,000, or the Standard Death Benefit. On Rumi’s first Contract Anniversary, the Accumulated Value is $108,000. Rumi’s MADB amount is calculated as of that date as $108,000. Example of MADB Rider Where a Death Benefit Increase Does Not Occur: Rumi elects the MADB Rider at issue and her initial premium is $100,000. Rumi contributes no additional premium during the first Contract Year, and she takes no surrender during the first Contract Year. In the first Contract Year, Rumi’s MADB amount is $100,000, or the Standard Death Benefit. On Rumi’s first Contract Anniversary, the Accumulated Value is $98,000. Rumi’s MADB amount is calculated as of that date as $100,000.

Automatic Asset Rebalancing

Asset Rebalancing allows you to elect a specific asset allocation to maintain over time.

Standard Benefit Expense (of Other Amount), Maximum [Percent]

true

0.00%

Standard Benefit Expense (of Other Amount), Current [Percent]

0.00%

♦ You may not include the Fixed Account.

Thrivent Retirement Choice Variable Annuity | Dollar Cost Averaging

Automatic Asset Rebalancing

Dollar Cost Averaging

Dollar Cost Averaging allows you to have automatic periodic transfers to one or more Subaccounts other than the Fixed Account. If you have a GLWB Rider, quarterly Asset Rebalancing will happen automatically to conform with the rider’s investment restrictions.

Standard Benefit Expense (of Other Amount), Maximum [Percent]

true

0.00%

Standard Benefit Expense (of Other Amount), Current [Percent]

0.00%

♦ You may not Dollar Cost Average into the Fixed Account.

Thrivent Retirement Choice Variable Annuity | Systematic Partial Surrenders

Dollar Cost Averaging

Systematic Partial Surrenders

Allows for ongoing withdrawals from your investment options during the Accumulation Phase.

Standard Benefit Expense (of Other Amount), Maximum [Percent]

true

0.00%

Standard Benefit Expense (of Other Amount), Current [Percent]

0.00%

♦ Surrender Charges may apply.♦ Taxes and penalties may apply.

Thrivent Retirement Choice Variable Annuity | Free Surrender Amounts

Systematic Partial Surrenders

Free Surrender Amounts

Surrender Charges apply only to amounts that exceed the greatest of 10% of the Accumulated Value existing at the time the first surrender is made in a Contract Year, the Contract’s earnings or Required Minimum Distribution.

Standard Benefit Expense (of Other Amount), Maximum [Percent]

true

0.00%

Standard Benefit Expense (of Other Amount), Current [Percent]

0.00%

♦ Restrictions apply to each separate Contract Year.

Thrivent Retirement Choice Variable Annuity | Confinement of the Owner in a Hospital Nursing Home or Hospice

Free Surrender Amounts

Confinement of the Owner in a Hospital, Nursing Home, or Hospice

Surrender Charges are waived during or within 90 days after the end of confinement of the owner.

Standard Benefit Expense (of Other Amount), Maximum [Percent]

true

0.00%

Standard Benefit Expense (of Other Amount), Current [Percent]

0.00%

♦ Confinement must begin after the Contract has been issued and must continue at least 30 days.

Thrivent Retirement Choice Variable Annuity | Terminal Illness

Confinement of the Owner in a Hospital, Nursing Home, or Hospice

Terminal Illness

Surrender Charges are waived if the Owner has a life expectancy of 12 months or less.

Standard Benefit Expense (of Other Amount), Maximum [Percent]

true

0.00%

Standard Benefit Expense (of Other Amount), Current [Percent]

0.00%

♦ Certification from a licensed physician acting within the scope of his or her license will be required.

Thrivent Retirement Choice Variable Annuity | Thrivent Guaranteed Lifetime Withdrawal Benefit Rider

Terminal Illness

Surrender Expense, 1 Year, Maximum [Dollars]

The charge is multiplied by the GLWB Benefit Base, divided by four, and withdrawn quarterly. The first charge will be deducted on the first Rider Quarterly Anniversary for the three-month period that started on the Rider Date of Issue. Thereafter, the charge for each three-month period will be deducted on the Rider Quarterly Anniversary immediately after that three-month period. The current charge for new elections for the GLWB Rider is disclosed in a GLWB Rate Sheet Prospectus Supplement.

$ 11,942

Surrender Expense, 3 Years, Maximum [Dollars]

23,778

Surrender Expense, 5 Years, Maximum [Dollars]

35,139

Surrender Expense, 10 Years, Maximum [Dollars]

65,977

Annuitized Expense, 1 Year, Maximum [Dollars]

11,942

Annuitized Expense, 3 Years, Maximum [Dollars]

23,778

Annuitized Expense, 5 Years, Maximum [Dollars]

31,817

Annuitized Expense, 10 Years, Maximum [Dollars]

65,977

No Surrender Expense, 1 Year, Maximum [Dollars]

5,686

No Surrender Expense, 3 Years, Maximum [Dollars]

18,588

No Surrender Expense, 5 Years, Maximum [Dollars]

31,817

No Surrender Expense, 10 Years, Maximum [Dollars]

$ 65,977

Thrivent Retirement Choice Variable Annuity | Spousal Continuation

Thrivent Retirement Choice Variable Annuity | Fixed Account

Spousal Continuation If an Owner dies, and that Owner’s Spouse is the sole primary beneficiary, that Spouse may elect to continue this Contract in force under Spousal Continuation, to the extent permitted by law. Spousal Continuation, if elected, is subject to the following: 1)Spousal Continuation is effective on the date that the election is made (the Continuation Date). 2)The Spouse will be the Owner and Annuitant on the Continuation Date. 3)Contract benefits that continue will be determined using the Accumulated Value on the Continuation Date. The Surrender Charge schedule will continue as if the death had not occurred. Note that if the deceased Spouse was a single Covered Person under a GLWB Rider, that GLWB Rider terminates. A new GLWB Rider cannot be added to the Contract. 4)Spousal Continuation is elected in lieu of receiving Death Proceeds. 5)Death Proceeds are calculated on the date we receive Proof of Death of an Owner. Any excess of Death Proceeds over Accumulated Value on that date will be added to the Accumulated Value. This amount will be allocated to Subaccounts of the Variable Account and to the Fixed Account according to the ratio of the Accumulated Value in each to the total Accumulated Value. 6)Spousal Continuation may be elected only once in this Contract. The Spouse will have 60 days from the date we receive proof of death in which to elect to receive Death Proceeds or continue the Contract under Spousal Continuation. If an election is not made within 60 days, we will deem that Spousal Continuation has been elected on the 61st day, and that day will be the Continuation Date.

Fixed Option Details [Line Items]

Fixed Option Details, Description [Text Block]

Fixed Account Premiums and Accumulated Value may be allocated to or transferred to the Fixed Account. We reserve the right to limit allocations or transfers to and from the Fixed Account. Amounts held in the Fixed Account are invested with our General Account. The interest rates for amounts in the Fixed Account depend on the date of allocation or transfer to the Fixed Account. We guarantee that the initial interest rate for each amount allocated or transferred to the Fixed Account will be effective for at least twelve months, and subsequent interest rates will not be changed more often than once every twelve months. The effective annual interest rate will never be less than the Fixed Account Guaranteed Minimum Interest Rate shown in your Contract. At our discretion, we may credit interest in excess of the guaranteed interest rate. For the current interest rate, please call our Service Center at 1-800-847-4836. The date of allocation or transfer is the date that interest begins to accrue. Interest is compounded daily. Interest guarantees are subject to Thrivent’s claims-paying ability. The amount transferred from the Fixed Account in any Contract Year may not exceed the greater of $500 or 25% of the Accumulated Value in the Fixed Account, excluding any Accumulated Value in the DCA Fixed Account, at the time the first transfer is made in that Contract Year. More information about all the Investment Options can be found in Appendix A.

Name	Term	Minimum Guaranteed Interest Rate
Fixed Account (all states except New York)	Life of the Contract	0.50% for Contracts issued on or after 10/1/2020 1.00% for Contracts issued before 10/1/2020
Fixed Account (New York only)	Life of the Contract	1.00%

Fixed Option Available, Name

<span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Fixed Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(all states except New York)</span>

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

0.50%

Thrivent Retirement Choice Variable Annuity | Fixed Account | Previously Offered [Member]

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

1.00%

Thrivent Retirement Choice Variable Annuity | Fixed Options New York

Fixed Option Available, Name

Fixed Option Available, Minimum Guaranteed Interest Rate [Percent]

1.00%

Thrivent Retirement Choice Variable Annuity | Risk of Loss [Member]

Thrivent Retirement Choice Variable Annuity | Not Short Term Investment Risk [Member]

Yes. You can lose money investing in the Contract.

Thrivent Retirement Choice Variable Annuity | Investment Options Risk [Member]

No. This product is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Each premium payment has a 7-year Surrender Charge that may decrease the surrender value. Amounts withdrawn from the Contract may result in surrender charges, taxes, and tax penalties.

Thrivent Retirement Choice Variable Annuity | Market Risk [Member]

An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Contract. Each Investment Option (including the Fixed Account) will have its own unique risks, and you should review these investment options before making an investment decision.

Thrivent Retirement Choice Variable Annuity | Early Withdrawal Risk [Member]

Market Risk. You can lose money by investing in the Contract, including loss of principal. You bear all the investment risk for amounts allocated to one or more of the Portfolios, which invest in underlying Funds. If the Portfolios you select increase in value, then your Accumulated Value goes up; if they decrease in value, your Accumulated Value goes down. How much your Accumulated Value goes up or down depends on the performance of the Portfolios. We do not guarantee the investment results of any Portfolio. An investment in the Contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected Portfolio(s), each of which has its own unique risks. You should review the prospectus for the Portfolio before making an investment decision. Neither the U.S. Government nor any federal agency insures or guarantees your investment in the Contract.

Thrivent Retirement Choice Variable Annuity | Contract Benefits Risk [Member]

Early Withdrawal Risk. The Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Early withdrawals may be subject to a significant surrender charge. If you make a withdrawal prior to age 59 1∕2, there may be adverse tax consequences, including a 10% federal tax penalty. In addition, a withdrawal could reduce the value of standard and optional benefits. The benefits of tax deferral, long-term income, and living benefit protections also mean that the Contract is more beneficial to investors with a long-time horizon.

Thrivent Retirement Choice Variable Annuity | Insurance Company Risk [Member]

Contract Benefits Risk. Death benefits are reduced by withdrawals on a pro-rata basis. Excess GLWB Rider withdrawals reduce the benefits provided by the Rider. There is also a risk that any financial return of an optional benefit, if any, will ultimately be less than the amount you paid for the benefit. If you elect a partial or a full surrender into a settlement option, benefits related to your deferred value will be reduced or terminated.

An investment in the Contract is subject to the risks related to Thrivent. Any obligations (including those under the Fixed Account), guarantees or benefits are subject to the claims-paying ability of Thrivent. More information about Thrivent, including its financial strength ratings are available upon request by calling 1-800-847-4836 or by sending an email to mail@thrivent.com.

Thrivent Retirement Choice Variable Annuity | Contract Changes Risk [Member]

Insurance Company Risk. An investment in the Contract is subject to the risks related to Thrivent. Insurance obligations, guarantees, and benefits of the Contract are subject to the claims-paying ability of Thrivent.

Thrivent Retirement Choice Variable Annuity | Fixed Account Risk

Contract Changes Risk. At any time, we may change, add, delete, or replace investment options applicable to existing Accumulated Value and new premiums. We may also add, delete, or substitute Subaccounts as permitted by law. We may substitute shares of another Subaccount, which may have differences such as (among other things) different fees and expenses, objectives, and risks, for shares of an existing Subaccount, at our discretion. We may also close Subaccounts to allocations of premiums or Accumulated Value, or both, at any time in our discretion. Our decision to make modifications will be based on several factors including the general market conditions and the style and investment objectives of the Subaccount investments. You will be notified at least 30 days prior to the date of any change. At the time you receive Notice of a change to the Subaccounts you may submit your own reallocation instructions. If you take no action, you may be subject to rebalancing in order to satisfy an investment restriction related to an optional benefit rider.

Thrivent Retirement Choice Variable Annuity | Investment Restrictions

Fixed Account Risk. Amounts invested in the Fixed Account will be subject to the financial strength and claims-paying ability of Thrivent.

Thrivent Retirement Choice Variable Annuity | Premium Payment Risk

Investment Restrictions. We reserve the right to limit transfers, and there is a $25 charge per transfer when you transfer your Contract Value between the investment options more than 24 times in a Contract Year. In addition, the amount transferred from the Fixed Account in any Contract Year may not exceed the greater of $500 or 25% of the Accumulated Value in the Fixed Account. We may impose limits on the minimum and maximum amounts that you may invest or other transaction limits that may limit your use of the Contract. In addition, we reserve the right to add, remove or substitute investment options.

Thrivent Retirement Choice Variable Annuity | Fees and Charges

Premium Payment Risk. The maximum aggregate Premiums you may make without our prior approval is $1 million.

Thrivent Retirement Choice Variable Annuity | Possible Adverse Tax Consequences

Fees and Charges. Deduction of Contract fees and charges, and optional benefit charges, may result in loss of principal. We reserve the right to increase the fees and charges under the Contract and optional benefits up to the maximum guaranteed fees and charges stated in your Contract or optional benefit rider.

Thrivent Retirement Choice Variable Annuity | Risks Affecting our Administration of Your Contract

Possible Adverse Tax Consequences. The tax considerations associated with the Contract vary and can be complicated. The applicable tax rules can differ, depending on the type of Contract, whether non-qualified, traditional IRA or Roth IRA. Before making contributions to your Contract or taking other action related to your Contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Contract.

Thrivent Retirement Choice Variable Annuity | Alternatives to the Contract

Risks Affecting our Administration of Your Contract. We and our service providers and business partners are subject to certain risks, including those resulting from system failures, cybersecurity events and other disasters. Such events can adversely impact us and our operations. These risks are common to all insurers and financial service providers and may materially impact our ability to administer the Contract (and to keep Contract owner information confidential).

Thrivent Retirement Choice Variable Annuity | Potentially Harmful Trading Activity

Alternatives to the Contract. Other contracts or investments may provide more favorable returns or benefits, as well as lower costs, than the Contract.

Thrivent Retirement Choice Variable Annuity | Cybersecurity Risk

Potentially Harmful Trading Activity. The Contract is not designed for frequent trading by anyone. Frequent trading may disrupt the underlying Portfolios and could negatively impact performance, by interfering with efficient management and reducing long-term returns, and increasing administrative costs. To protect Owners and the underlying Portfolios, we have policies and procedures to deter frequent trading between and among the Portfolios. We cannot guarantee that these policies and procedures will be effective in detecting and preventing all trading activity that could potentially disadvantage or hurt the rights or interests of other Owners.