Thrivent Prospectus

4. The contract's total value, combining amounts held in subaccounts and the fixed account.
7. The surviving family member who may elect to continue the annuity contract after the annuitant's death.
8. The fee imposed after the 24 free transfers allowed each contract year.
10. A full or partial withdrawal of money from the annuity contract.
11. A medical condition with a life expectancy of 12 months or less that may qualify for a surrender charge waiver.
13. The person whose death before the annuity date can trigger the standard death benefit.
15. The automatic investment program that periodically restores a selected asset allocation.
17. The percentage of accumulated value generally available for withdrawal each contract year without a surrender charge.
18. The payment made by the purchaser to fund an annuity contract.
19. The investment divisions of the variable account whose values depend on underlying portfolio performance.

1. The person designated to receive a contract's death benefit or annuity proceeds.
2. The investment account used for one dollar-cost averaging program, from which money is transferred monthly into subaccounts.
3. The risk that annuity income payments will continue longer than the insurer expected.
5. The investment strategy that makes equal periodic investments over time to reduce the risk of investing at a market peak.
6. The basic death benefit payable when an annuitant dies before the annuity date.
9. The charge assessed on certain withdrawals during the first three years after a premium payment.
12. The risk that the insurer's costs will exceed the charges collected under the contract.
14. The accounting method used to determine which premium payments are withdrawn first.
16. The period after receiving a contract during which the purchaser may cancel it; generally 10 calendar days.