Accumulation VUL Thrivent Aggressive Allocation Portfolio Thrivent All Cap Portfolio Thrivent Conservative Allocation Portfolio Thrivent Dynamic Allocation Portfolio Thrivent Emerging Markets Equity Portfolio Thrivent ESG Index Portfolio Thrivent Global Stock Portfolio Thrivent Government Bond Portfolio Thrivent Healthcare Portfolio Thrivent High Yield Portfolio Thrivent Income Portfolio Thrivent International Equity Portfolio Thrivent International Index Portfolio Thrivent Large Cap Growth Portfolio Thrivent Large Cap Index Portfolio Thrivent Large Cap Value Portfolio Thrivent Mid Cap Growth Portfolio Thrivent Mid Cap Index Portfolio Thrivent Mid Cap Stock Portfolio Thrivent Mid Cap Value Portfolio Thrivent Moderate Allocation Portfolio Thrivent Moderately Aggressive Allocation Portfolio Thrivent Moderately Conservative Allocation Portfolio Thrivent Money Market Portfolio Thrivent Multisector Bond Portfolio Thrivent Real Estate Securities Portfolio Thrivent Short-Term Bond Portfolio Thrivent Small Cap Growth Portfolio Thrivent Small Cap Index Portfolio Thrivent Small Cap Stock Portfolio Accelerated Death Benefit for Terminal Illness Loans Disability Waiver of Monthly Deductions Guaranteed Increase Option Option 1 Death Benefit Option 2 Death Benefit Accelerated Death Benefit for Terminal Illness Rider Investment Risk Tax Risks Surrender and Partial Surrender Risks Loan Risks Portfolio Risks Short-Term Investment Risk Fixed Account Risk Premium Payment Risk Fees and Charges Risks Affecting our Administration of Your Contract Alternatives to the Contract Potentially Harmful Transfer Activity Risk of increase in Current Fees and Expenses Cybersecurity Risk