The following people are eligible to apply for membership in Thrivent Financial:

• A Lutheran adult, age 16 and older, who professes to be Lutheran and is a current or former member of a Lutheran congregation.
• A Lutheran youth, 15 and younger, who is a member of a Lutheran congregation or is being raised Lutheran (baptized/confirmed Lutheran or regularly attends a Lutheran church).
• Eligible family of an adult Lutheran member. Review Sponsored Family section below for details.
• An individual who is affiliated with a Lutheran organization as defined in Affiliated with a Lutheran Organization section below. Family of members in this category are eligible for membership as detailed in Sponsored Family section below.
• Co-owners of a Lutheran business as defined in Affiliated with a Lutheran Business section below. Family of members in this category are eligible for membership as detailed in Sponsored Family section below.

Sponsored family member

Eligible non-Lutheran family members may be sponsored for family membership because of their relationship to an active member.

These membership categories are eligible to sponsor family for membership:

• Lutheran adult member (age 16 and older).
• Non-Lutheran adult member (age 16 and older) who is affiliated with a Lutheran organization and when sponsoring family has a current connection to a Lutheran organization as described in the Affiliated with a Lutheran Organization section below.
• Non-Lutheran adult member (age 16 and older) who is affiliated with a Lutheran business as a co-owner and when sponsoring family is a co-owner of a Lutheran business as described in the Affiliated with a Lutheran Business section below.

Family eligible for membership:

• Spouse.
• Widow/Widower.
• Child.
• Grandchild (includes great).
• Parent.
• Grandparent (includes great).
• Sibling.
• Mother-in-law.
• Father-in-law.
• Daughter-in-law.
• Son-in-law.

Affiliated with a Lutheran organization

A Lutheran organization must be recognized by a national Lutheran church body to qualify as a Lutheran organization for membership purposes. Examples of Lutheran organizations include Lutheran educational, social ministry, and social service organizations in addition to Lutheran congregations, care centers, hospitals, and nursing homes.

Non-Lutherans affiliated with a Lutheran organization as described below are eligible for membership because of their relationship with a Lutheran organization.

• Lutheran organization that is recognized by a national Lutheran church body.
  Employee, director, board member, trustee
• Thrivent Financial and wholly-owned subsidiaries.
  Director
• Lutheran educational organization.
  Student or parent of a student
• Lutheran educational organization.
  Graduate who provides financial, volunteer, or other recognized assistance to the educational facility
• Lutheran care center or nursing home.
  Resident or parent of resident
• Thrivent Financial insurance or annuity contract.
  Beneficiary using life insurance or annuity proceeds to purchase an insurance or annuity product or to fund a settlement option
• Lutheran congregation.
  Associate member of a congregation listed on the Lutheran congregation's membership roster
• Lutheran organization named to receive gift of Thrivent Financial life insurance or annuity and the Lutheran organization is the owner or irrevocable beneficiary.
  Donor

Affiliated with a Lutheran business as co-owner

A non-Lutheran co-owner of a Lutheran business is eligible for membership because of his/her relationship to the Lutheran business.

Lutheran business is defined as: (all apply)

• 50% or more of the business is owned by Lutherans.
• The business is closely held meaning that there are 10 or fewer owners
• There are no publicly traded equity shares
• At least one Lutheran owner is a member or is applying for membership as such.