Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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AFLAC vs. Thrivent Financial for Lutherans

Selecting an insurance provider such as AFLAC or Thrivent Financial for Lutherans is best done by comparing the products that each company offers.

Most people must consider that their protection products are heavily tide to their options for health procedures, funeral expenses and their family’s peace of mind.

Furthermore, companies like AFLAC and Thrivent Financial for Lutherans also provide protection products that will provide disability coverage when needed. Obtaining the necessary coverage is usually easy once consumers consider their options and potential needs in the future.

It can be very helpful to write down immediate and potential needs related to insurance products offered by AFLAC and Thrivent Financial for Lutherans. Specifically, it is important for consumers to consider potential coverage needed within the areas of life insurance, supplemental health insurance and disability income insurance.

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Life Insurance

One of the most popular protection products that many consumers seek to obtain is life insurance. This type of consumer protection insurance is mainly offered to help family members cover the cost of funeral and burial expenses.

Life insurance is also an invaluable solution that helps loved ones cover remaining expenses such as bills, debts and any uninsured medical costs. Both AFLAC and Thrivent Financial for Lutherans provide life insurance coverage products, including whole life insurance, term life insurance and combination life insurance policies.

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AFLAC

AFLAC provides up to $200,000 in life insurance coverage to consumers under the age of 50. However, consumer who are age 50 and up can only obtain a maximum of $100,000 in life insurance coverage. Consumers must simply answer a few questions about their current health status to apply for life insurance coverage through AFLAC.

  • Term Life Insurance from AFLAC usually covers a temporary period of time and has an expiration date. Consumers can obtain coverage periods of up to 30 years.
  • Whole Life Insurance from AFLAC is considered a permanent solution for coverage. However, the coverage usually builds cash value overtime that can be borrowed against, collected or utilized for any premium costs attached to the policy.
  • Children Riders are an attached life insurance coverage for children that can be added to both whole life and term life insurance policies from AFLAC.

Thrivent Financial for Lutherans

Thrivent Financial for Lutherans provides both short-term and permanent insurance policies. Furthermore, they offer flexible coverage policies that are provided within their universal life insurance policies.

  • Term Life Insurance is a short-term protection solution that Thrivent Financial for Lutherans believes is ideally used while building a business, paying off a mortgage and raising a family.
  • Whole Life Insurance provides a guaranteed permanent coverage solution with cash value, level premiums and total death benefits.
  • Universal Life Insurance from Thrivent Financial for Lutherans is permanent protection that has fluxuating death and premium benefits that are limited by the terms of each policy.
  • Variable Universal Life Insurance from Thrivent Financial offers consumers a variable premium policy with the possibility to build cash value as a permanent coverage solution.

2. Health Insurance

Supplemental health Insurance policies provided by AFLAC and Thrivent Financial for Lutherans offers protection coverage that may or may not be covered by major insurance companies.

However, supplemental health insurance is used to cover specific areas of health, including hospital confinement or intensive care, dental coverage, and critical care or recovery.

Yet, supplemental health insurance may also provide supplemental coverage for Medicare insurance and long-term care.

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AFLAC

  • Specific Disease Coverage provided by AFLAC includes cash payout coverage when a person is diagnosed with a specific disease such as cancer. This type of coverage can be used to help pay for out-of-pocket expenses, such as major insurance deductibles, travel and lodging during treatment or monthly living expenses.
  • Recovery and Critical Care coverage from AFLAC can cover expenses associated with unexpected health and life events, such as third degree burns, coma, vegetative states, and stroke and paralysis.
  • Supplemental Dental Insurance from AFLAC provides coverage for routine dental care, X-rays, evaluations and other procedures not normally covered by major dental policies. AFLAC offers stable rates, no deductibles, and competitive rates with their supplemental dental coverage.
  • Other supplemental insurance policies offered from AFLAC include protection such as Lump Sum Cancer or Critical Illness coverage, Hospital Confinement Sickness and Indemnity coverage and Hospital Intensive Care coverage.

Thrivent Financial for Lutherans

  • Major Medical Insurance is provided by Thrivent Financial for Lutherans, and offers comprehensive health coverage for individuals and families. Ideally, major medical coverage from Thrivent Financial will be used by those that are self-employed full time or part time, those that need supplemental group plan coverage, and those that are early retirees.
  • Medicare Supplement Insurance provided by Thrivent Financial for Lutherans covers out-of-pocket expenses such as coinsurance and deductible costs.
  • Thrivent Financial Long-Term Care Insurance is provided to cover expenses that result from chronically ill care given within a group facility setting, such as extended care facilities, nursing homes and adult foster care homes.

3. Disability Income Insurance

After an accident or sudden disability occurs, the loss of personal income can take a major toll on family expenses. Short term disability insurance policies offered through AFLAC and Thrivent Financial for Lutherans offer coverage that provides a percentage of income supplementation that is paid on a monthly basis in the event that a diagnosed disability occurs.

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AFLAC

AFLAC provides flexible options for short-term disability income insurance that is based on several factors. For instance, consumers can easily choose a coverage option that is based personal affordability factors.

Furthermore, AFLAC short-term disability insurance coverage can also be tailored to meet personal income requirements, and the specific amount of monthly benefits that is desired. AFLAC also offers consumers the ability to obtain this type of insurance based on the amount of months that benefits will be paid out.

Optional riders and the amount of days before coverage payments will begin are also flexible. Planned pregnancy may also be covered under AFLAC disability insurance coverage. Even so, consumers can only elect AFLAC short-term disability income insurance through employee payroll deductions.

Thrivent Financial for Lutherans

Consumers have several options with short-term disability coverage offered through Thrivent Financial for Lutherans. Coverage options are chosen based on features and benefits, such as stay-at-home spouse coverage, a 1 to 24 month flexible deduction period and 6-month to 10 year maximum coverage period.

Thrivent Financial for Lutherans also offers their clients the ability to choose a coverage period that expires at age 65 or at age 70. Coverage amounts can range from $500 to $16,000 based on current income and type of occupation. Instances of pregnancy, elected abortion or childbirth are not covered under Thrivent Financial for Lutherans short-term disability income policy. However, coverage may be provided in the event of disability due to pregnancy complications. Thrivent Financial for Lutherans also offers flexible rider options for additional coverage.

Making a Wise Decision

Whether a consumer wants to choose AFLAC or Thrivent Financial for Lutherans, obtaining insurance protection coverage is a vital decision that must be made as soon as possible. Each company helps to prepare the individual or family for unexpected events that will most likely affect finances.

However, acquiring a plan with AFLAC or Thrivent Financial for Lutherans is wise decision that will provide the necessary coverage to protect assets such as savings accounts and retirement accounts. Making the decision to acquire a protection policy requires smart planning now, but can provide much peace of mind later.

Acquiring insurance in today’s day and age is all but a required. Shop around and save by entering your ZIP code into our FREE quote comparison tool at the bottom of the page!