# EDGAR Filing Document

**Accession Number:** 0001039305
**File Stem:** 0001193125-26-190772
**Filing Date:** 2026-4
**Character Count:** 112145
**Document Hash:** c65d55b2ddb443a525113a6395be2c89
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-190772.hdr.sgml**: 20260429

**ACCESSION NUMBER**: 0001193125-26-190772

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 3

**FILED AS OF DATE**: 20260429

**DATE AS OF CHANGE**: 20260429

**EFFECTIVENESS DATE**: 20260429

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** THRIVENT VARIABLE LIFE ACCOUNT I
- **CENTRAL INDEX KEY:** 0001039305

**ORGANIZATION NAME:**
- **EIN:** 396666871
- **STATE OF INCORPORATION:** WI
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-233397
- **FILM NUMBER:** 26913800

**BUSINESS ADDRESS:**
- **STREET 1:** 600 PORTLAND AVENUE SOUTH
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55415-4402
- **BUSINESS PHONE:** 6123407215

**MAIL ADDRESS:**
- **STREET 1:** 600 PORTLAND AVENUE SOUTH
- **CITY:** MINNEAPOLIS
- **STATE:** MN
- **ZIP:** 55415-4402

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** THRIVENT VARIABLE LIFE ACCOUNT 1
- **DATE OF NAME CHANGE:** 20020823

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AAL VARIABLE LIFE ACCOUNT I
- **DATE OF NAME CHANGE:** 19970710

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** AAL VARIABLE LIFE ACCOUNT 1
- **DATE OF NAME CHANGE:** 19970514

## Series and Classes Contracts Data

### THRIVENT VARIABLE LIFE ACCOUNT I (Series ID: S000002690)

| Class ID   | Class Name       | Ticker Symbol   |
|:---|:---|:---|
| C000215530 | Accumulation VUL |  |

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| ![](g56450thrivent2020_logowreg.jpg) | &nbsp;&nbsp; Thrivent Accumulation Variable<br> Universal Life Insurance<br>|
| ![](g56450thrivent2020_logowreg.jpg) | Thrivent Variable Life Account I  |
| ![](g56450thrivent2020_logowreg.jpg) | Summary Prospectus for New Investors |
| ![](g56450thrivent2020_logowreg.jpg) | **April 30, 2026** |

---

This Summary Prospectus summarizes key features of the Thrivent Accumulation Variable Universal Life Insurance [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) (the "Contract") offered by Thrivent Financial for Lutherans ("Thrivent") to persons who are eligible for Thrivent membership. This [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is a flexible premium individual variable adjustable life insurance contract and is a long-term investment designed to provide significant life insurance benefits. Before you invest, you should also review the prospectus for the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), which contains more information about the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)'s features, benefits, and risks. You can find the current prospectus and other information about the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) online at dfinview.com/Thrivent/AccumulationVUL. You can also obtain this information at no cost by calling 1-800-847-4836, or by sending an email request to mail@thrivent.com.

Additional general information about certain investment products, including variable life insurance contracts, has been prepared by the Securities and Exchange Commission's staff and is available at Investor.gov.

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YOU MAY CANCEL YOUR CONTRACT WITHIN 30 DAYS OF <br>RECEIVING IT WITHOUT PAYING FEES OR PENALTIES.

Upon cancellation, in most states you will receive a refund equal to the sum of the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b), less any [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) plus any [Percent of Premium Charge](#percentofpremiumcharge_72b2b26d-0a79-430e-8826-6fef641906a0) that was charged at issue and any monthly deduction that was made. You should review the prospectus, or consult with your financial advisor or professional, for additional information about the specific cancellation terms that apply.

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**The Securities and Exchange Commission has not approved or disapproved this** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025) **or passed upon the adequacy of this summary prospectus. Any representation to the contrary is a criminal offense.**

------

**Table of Contents**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| [Important Information You Should Consider About the Contract](#xx_cb5afbc1-af30-411c-bd4a-f57dbf2d0f92_1) | 1 |
| [Overview of the Contract](#xx_cb5afbc1-af30-411c-bd4a-f57dbf2d0f92_4) | 4 |
| [Standard Death Benefits](#xx_cb5afbc1-af30-411c-bd4a-f57dbf2d0f92_5) | 5 |
| [Other Benefits Available Under the Contract](#xx_cb5afbc1-af30-411c-bd4a-f57dbf2d0f92_7) | 7 |
| [Benefits Table](#xx_cb5afbc1-af30-411c-bd4a-f57dbf2d0f92_7) | 7 |
| [Buying the Contract](#xx_cb5afbc1-af30-411c-bd4a-f57dbf2d0f92_7) | 7 |
| [How Your Contract Can Lapse](#xx_cb5afbc1-af30-411c-bd4a-f57dbf2d0f92_10) | 10 |
| [Making Withdrawals: Accessing the Money in Your Contract](#xx_cb5afbc1-af30-411c-bd4a-f57dbf2d0f92_11) | 11 |
| [Additional Information About Fees](#xx_6b7576c9-0b03-4e0c-a268-0d4ebd4398ed_1) | 13 |
| [Special Terms](#xx_69c750c4-4d04-4635-8992-20618bc47896_1) | 16 |
| [Appendix: Portfolios Available Under the Contract](#xx_c5264e68-f27a-429f-a0ac-79aae847f458_1) | 19 |

---

------

Important Information You Should Consider About the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **Location in**<br> **Statutory**<br> **Prospectus**<br>|
| &nbsp;&nbsp; Charges for Early <br> Withdrawals<br>| A [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) (early withdrawal charge) may be assessed upon <br> surrender, lapse or any decrease in the [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). A [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) will <br> be assessed if the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is in the first 10 [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb)s after the [Date of](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6)<br> Issue and for 10 years after each increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). The [Decrease](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)<br> Charge will vary depending on the number of years since the [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6), or <br> the last increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). The maximum amount that may be charged <br> is $50.18 per $1,000 of decrease in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). For example, if you make <br> an early withdrawal, you could pay a [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) of up to $5,018 on a <br> $100,000 decrease.  | A [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) (early withdrawal charge) may be assessed upon <br> surrender, lapse or any decrease in the [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). A [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) will <br> be assessed if the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is in the first 10 [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb)s after the [Date of](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6)<br> Issue and for 10 years after each increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). The [Decrease](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)<br> Charge will vary depending on the number of years since the [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6), or <br> the last increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). The maximum amount that may be charged <br> is $50.18 per $1,000 of decrease in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). For example, if you make <br> an early withdrawal, you could pay a [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) of up to $5,018 on a <br> $100,000 decrease.  | A [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) (early withdrawal charge) may be assessed upon <br> surrender, lapse or any decrease in the [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). A [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) will <br> be assessed if the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is in the first 10 [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb)s after the [Date of](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6)<br> Issue and for 10 years after each increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). The [Decrease](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)<br> Charge will vary depending on the number of years since the [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6), or <br> the last increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). The maximum amount that may be charged <br> is $50.18 per $1,000 of decrease in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). For example, if you make <br> an early withdrawal, you could pay a [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) of up to $5,018 on a <br> $100,000 decrease.  | Charges<br> Fee Table<br>|
| &nbsp;&nbsp; Transaction <br> Charges<br>| In addition to [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)s (early withdrawal charges), you also may be <br> charged for other transactions such as when you pay a premium, transfer <br> accumulated value between investment options, make more than one partial <br> surrender in a [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb) or exercise your Accelerated Death Benefit for <br> Terminal Illness Rider. | In addition to [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)s (early withdrawal charges), you also may be <br> charged for other transactions such as when you pay a premium, transfer <br> accumulated value between investment options, make more than one partial <br> surrender in a [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb) or exercise your Accelerated Death Benefit for <br> Terminal Illness Rider. | In addition to [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)s (early withdrawal charges), you also may be <br> charged for other transactions such as when you pay a premium, transfer <br> accumulated value between investment options, make more than one partial <br> surrender in a [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb) or exercise your Accelerated Death Benefit for <br> Terminal Illness Rider. | Charges<br> Fee Table<br>|
| &nbsp;&nbsp; Ongoing Fees and <br> Expenses (annual <br> charges) | In addition to [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)s (early withdrawal charges) and transaction <br> charges, investment in the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is subject to certain ongoing fees and <br> expenses, including fees and expenses covering the cost of insurance under <br> the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), mortality and expense risk charges, monthly unit charges, basic <br> monthly charges, interest on any [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32), and the cost of optional benefits <br> available under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). Some of these fees and expenses are set based <br> on characteristics of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) (e.g. age, sex (in most states), and rating <br> classification). See the specifications page of your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) for rates <br> applicable to your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).<br> Investors will also bear expenses associated with [Portfolios](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) that correspond to <br> [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b)s available under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), as shown in the following table: | In addition to [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)s (early withdrawal charges) and transaction <br> charges, investment in the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is subject to certain ongoing fees and <br> expenses, including fees and expenses covering the cost of insurance under <br> the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), mortality and expense risk charges, monthly unit charges, basic <br> monthly charges, interest on any [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32), and the cost of optional benefits <br> available under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). Some of these fees and expenses are set based <br> on characteristics of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) (e.g. age, sex (in most states), and rating <br> classification). See the specifications page of your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) for rates <br> applicable to your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).<br> Investors will also bear expenses associated with [Portfolios](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) that correspond to <br> [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b)s available under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), as shown in the following table: | In addition to [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)s (early withdrawal charges) and transaction <br> charges, investment in the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is subject to certain ongoing fees and <br> expenses, including fees and expenses covering the cost of insurance under <br> the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), mortality and expense risk charges, monthly unit charges, basic <br> monthly charges, interest on any [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32), and the cost of optional benefits <br> available under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). Some of these fees and expenses are set based <br> on characteristics of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) (e.g. age, sex (in most states), and rating <br> classification). See the specifications page of your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) for rates <br> applicable to your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).<br> Investors will also bear expenses associated with [Portfolios](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) that correspond to <br> [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b)s available under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), as shown in the following table: | Charges<br> Fee Table<br> Appendix |
| &nbsp;&nbsp; Ongoing Fees and <br> Expenses (annual <br> charges) | **Annual Fee** | **Minimum** | **Maximum** | Charges<br> Fee Table<br> Appendix |
| &nbsp;&nbsp; Ongoing Fees and <br> Expenses (annual <br> charges) | Annual [Portfolio](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) Expenses (deducted <br> from [Portfolio](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) assets)<br>| 0.22% | 1.52% | Charges<br> Fee Table<br> Appendix |

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**1**

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| | | |
|:---|:---|:---|
| **RISKS** | **RISKS** | **Location in**<br> **Statutory**<br> **Prospectus**<br>|
| Risk of Loss | You can lose money by investing in this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), including loss of your <br> premiums (principal), and your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) can lapse without value.<br> Additionally, [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) will reduce your [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a), [Death Proceeds](#deathproceeds_836550eb-c314-4d50-b17d-90938ae4694c) and <br> the amount of premiums considered to meet the [No-Lapse Guarantee](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8)<br> Premium requirement. If you surrender the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) or allow it to lapse while a <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) loan is outstanding, the amount of [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32), to the extent it has not <br> previously been taxed, will be considered part of the amount you receive and <br> taxed accordingly. Loans may have tax consequences. | Principal Risks of <br> Investing in the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)<br>|
| &nbsp;&nbsp; Not a Short-Term <br> Investment<br>| This [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is not designed for short-term investing and is not appropriate <br> for an investor who needs ready access to cash. You should only purchase the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) if you have the financial ability to keep it in force for a substantial <br> period of time.<br> The primary reason to buy a life insurance contract is for the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) it <br> provides in the event of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)'s death. You should not purchase the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) if you do not need life insurance protection or intend to surrender all <br> or part of the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) in the near future. Surrender charges, <br> expenses, and tax consequences generally make the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) unsuitable as a <br> short-term investment. | Principal Risks of <br> Investing in the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)<br>|
| &nbsp;&nbsp; Risk Associated <br> with Investment <br> Options<br>| An investment in this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is subject to the risk of poor investment <br> performance of the investment options you choose and can vary depending on <br> the performance of the investment options available under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). <br> Each investment option has its own unique risks.<br> We do not guarantee any money you place in the [Subaccounts](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b). The value of <br> each [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b) will increase or decrease, depending on the investment <br> performance of the corresponding [Portfolio](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) and fees and charges under the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). You could lose some or all of your money.<br> You should review the available [Portfolio](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94)s' prospectuses before making an <br> investment decision. | Principal Risks of <br> Investing in the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)<br>|
| &nbsp;&nbsp; Insurance <br> Company Risks<br>| An investment in the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is subject to risks related to Thrivent, including <br> that any obligations, guarantees, and benefits of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) are subject to <br> the claims-paying ability and financial strength of Thrivent. More information <br> about Thrivent, including its financial strength ratings, is available upon <br> request by calling 1-800-847-4836.  | Principal Risks of <br> Investing in the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)<br>|
| Contract Lapse | Your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) will lapse (that is, terminate without value) if: (1) your monthly <br> deductions are greater than your [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a); (2) there is not an <br> active [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185); and (3) payment of the premium to keep the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) in force is not paid within the grace period. No [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) will be <br> paid if the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is lapsed. Payment will be required to reinstate the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). We will reinstate a [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) only if our requirements for <br> reinstatement are satisfied, which may include requiring new proof of <br> insurability of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) person. | Lapse and<br> Reinstatement<br>|

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**2**

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| | | |
|:---|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** | **Location in**<br> **Statutory**<br> **Prospectus**<br>|
| Investments  | We place limits on frequent trading. <br> There is a $25 charge for each transfer when you transfer money between <br> investment options in excess of 12 times a year. <br> We reserve the right to add, delete, combine or substitute investment <br> [Subaccounts](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b). <br> If you elected the Guideline Premium Test (GPT), we reserve the right to not <br> accept any premiums when the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) is based on the [Table of Death](#tableofdeathbenefit_2649cf9d-2d52-4885-8386-a6c75b8e86a4)<br> Benefit Factors or the portion of any premium that would cause the [Death](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)<br> Benefit to be based on the [Table of Death Benefit Factors.](#tableofdeathbenefit_2649cf9d-2d52-4885-8386-a6c75b8e86a4)<br> If you elected the Cash Value Accumulation Test (CVAT), then prior to [Attained](#attainedage_77c858ad-eb45-4c66-842b-bb75008d1967)<br> Age 100 (and at any age in New York issued Contracts), we will not accept <br> premium as described above and at [Attained Age](#attainedage_77c858ad-eb45-4c66-842b-bb75008d1967) 100 and later we reserve the <br> right not to accept premiums as described above.<br> We will also have the right to limit or refund a premium payment or make <br> distributions from the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as necessary to continue to qualify the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)<br> as life insurance under federal tax law or to avoid the classification of your <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as a "modified endowment contract" (MEC). | Frequent Trading <br> Among <br> [Subaccounts](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b) and <br> Other Transactions<br> Addition, Deletion, <br> Combination or <br> Substitution of <br> Investments<br> Premium Limits<br> Taxes<br>|
| Optional Benefits | Optional benefits may be subject to age and underwriting requirements. We <br> generally deduct any monthly costs for these [Additional Benefits](#additionalbenefits_f2b24b6d-a260-4619-aa14-728abc7e2fcd) from the <br> [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) as part of the monthly deduction. Optional benefits may <br> not be available for all ages or underwriting classes, may not be available after <br> original issue of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) and may terminate at certain ages. We may stop <br> offering an optional benefit at any time prior to the time you elect to add it to <br> your Contract. | Other Benefits <br> Available Under <br> the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)<br>|
| **TAXES** | **TAXES** |  |
| Tax Implications  | You should consult with a tax professional to determine the tax implications of <br> an investment in and payments received under this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).<br> Distributions from your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), if taxable, will be taxed at ordinary income tax <br> rates. <br> Depending on the total amount of premiums you pay and the frequency of <br> such payments, the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) may be treated as a MEC.<br> Distributions including loans and loan interest will be taxed on an "income first" <br> basis and may be subject to a penalty tax if taken before you are age 59 <sup>1</sup>∕2 if <br> your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is a MEC. <br> The transfer of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) or designation of a [Beneficiary](#beneficiary_1b8b058a-b09e-4fed-b37e-82271632db59) may have federal, <br> state, and/or local transfer and inheritance tax consequences, including the <br> impositions of gift, estate, and generation skipping transfer taxes. | Taxes |

---

**3**

------

---

| | | |
|:---|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** | **Location in**<br> **Statutory**<br> **Prospectus**<br>|
| &nbsp;&nbsp; Investment <br> Professional <br> Compensation <br>| Your financial advisor or professional may receive compensation for selling <br> this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to you and ongoing future compensation. This compensation may <br> consist of commissions, bonuses, asset-based compensation, and <br> promotional incentives. This conflict of interest may influence your financial <br> advisor or professional to recommend the purchase of this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as well as <br> continued or larger future investments into this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), or another contract <br> issued by Thrivent, over another investment. | Distribution of the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)<br>|
| Exchanges | Some investment professionals may have a financial incentive to offer you a <br> new contract in place of the one you own. You should only exchange your <br> contract if you determine, after comparing the features, fees, and risks of both <br> contracts, that it is better for you to purchase the new contract rather than <br> continue to own your existing contract. | Distribution of the <br> [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)<br>|

---

Overview of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)

**What is this** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**, and what is it designed to do?** <br>The Thrivent Accumulation Variable Universal Life Insurance [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is a flexible premium individual variable adjustable life insurance contract. It offers [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)s to protect your designated [Beneficiaries](#beneficiary_1b8b058a-b09e-4fed-b37e-82271632db59). It is not intended for people who may need to make early or frequent withdrawals or intend to engage in frequent trading in the [Portfolios](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94).

The primary purpose of the Contract is to provide a [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) to beneficiaries upon the death of the Insured. Secondarily, the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) in the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) may provide a source of supplemental funds in the future.

**How do premiums work?** <br> After you pay the initial premium and after the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is issued, you may pay subsequent premiums at any time and in any amount, subject to some restrictions. We will allocate your [Net Premium](#netpremium_94ff0fd5-991e-435c-ac0a-127957537af4) to the various [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b)s, [DCA Fixed](#dcafixedaccount_9b06f7ba-16dd-411a-bffc-223ee6e4b115)Account and/or [Fixed Account](#fixedaccount_7204c904-d879-4e35-87f4-6623bbdefa00) according to the most recent allocation instructions in your file. Additional information about each [Portfolio](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) is provided in an [Appendix](#appendix_3debd067-2f93-4b7d-880e-b5633781b4d5) to the prospectus.

If you elected the Guideline Premium Test (GPT), we reserve the right to not accept any premiums when the [Death](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)Benefit is based on the [Table of Death Benefit Factors](#tableofdeathbenefit_2649cf9d-2d52-4885-8386-a6c75b8e86a4) or the portion of any premium that would cause the Death Benefit to be based on the Table of Death Benefit Factors. If you elected the Cash Value Accumulation Test (CVAT), then prior to Attained Age 100 (and at any age in New York issued Contracts), we will not accept premiums as described above and at Attained Age 100 and later we reserve the right not to accept premiums as described above.

We will also have the right to limit or refund a premium payment or make distributions from the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as necessary to continue to qualify the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as life insurance under federal tax law or to avoid the classification of your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as a MEC. If a requested transaction would immediately cause your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to become a MEC we will notify you and not process that transaction unless and until we have received your instruction to proceed and allow MEC status.

Insufficient premiums may result in a lapse of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).

**What are the primary features and options that this** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025) **offers?**

[**Death Benefit**](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)**s**. Your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) allows you to choose between two [Death Benefit Option](#deathbenefitoption_1914f9f8-1ca7-4b31-93c8-35e678cdfd1a)s which will affect the amount of [Death Proceeds](#deathproceeds_836550eb-c314-4d50-b17d-90938ae4694c) we pay your designated [Beneficiaries](#beneficiary_1b8b058a-b09e-4fed-b37e-82271632db59) at the time of the [Insured's](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) death. You may be able to increase the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c), which may require additional premiums.

**4**

------

**Withdrawal options.** Your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) allows you to withdraw all or part of your [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) upon giving [Notice](#notice_5595f954-25ba-4d6e-b511-e24bb1b4ecfe). Each partial surrender must be at least $200, and you may not make a partial surrender if the remaining [Cash Surrender](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a)Value would be less than $300. There is a $25 charge for each partial surrender in excess of one in a [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb). You may also fully surrender your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). Full and partial surrenders may have tax consequences.

**Loan provisions.** While the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) is living, you may, by giving [Notice](#notice_5595f954-25ba-4d6e-b511-e24bb1b4ecfe), obtain a loan from us using your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as security for the loan. The available loan amount is an amount such that the total [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) will not exceed 100% of [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) less [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)s on the date of the loan. Interest on the loan accrues daily at a maximum net annual rate of 4.0% (a gross effective annual rate of 6.0%) on the [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32). [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) reduces your [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a), [Death](#deathproceeds_836550eb-c314-4d50-b17d-90938ae4694c)Proceeds and the amount of premiums considered to meet the [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8) requirement. While the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) is living, you may pay back the loan.

**Optional benefits that occur during your lifetime.** This [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) offers one standard and two optional benefits. For an additional fee to exercise, the Accelerated Death Benefit for Terminal Illness rider will pay a portion of the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)when requested if the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) has a life expectancy of 24 months or less in most states. You may also purchase the Disability Waiver of Monthly Deductions which waives your cost of insurance and other monthly deductions until the earlier of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)'s age 121 or recovery from total disability. Additionally, you may purchase a Guaranteed Increase Option rider that allows you to increase the amount of coverage without having to show evidence of insurability at certain pre-defined opportunities.

**Increase in Current Fees and Expenses.** Certain insurance charges are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the guaranteed maximum levels, based on changes in the Company's future expectations of relevant factors, as determined in its sole discretion. Although some Portfolios may have expense limitation agreements, the operating expenses of the Portfolios are not guaranteed and may increase or decrease over time. If fees and expenses are increased, you may need to increase the amount and/or frequency of premium payments to keep the Contract in force.

Standard Death Benefits

The primary reason to buy a life insurance [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is for the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) it provides in the event of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)'s death. At the time of purchase, you must select between two [Death Benefit Option](#deathbenefitoption_1914f9f8-1ca7-4b31-93c8-35e678cdfd1a)s: Option 1 (Level [Death Benefit Option](#deathbenefitoption_1914f9f8-1ca7-4b31-93c8-35e678cdfd1a)) or Option 2 (Variable [Death Benefit Option](#deathbenefitoption_1914f9f8-1ca7-4b31-93c8-35e678cdfd1a)). We determine the amount payable ([Death Proceeds](#deathproceeds_836550eb-c314-4d50-b17d-90938ae4694c)) depending on the [Death](#deathbenefitoption_1914f9f8-1ca7-4b31-93c8-35e678cdfd1a)Benefit Option in effect on the date of [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)'s death. [Death Proceeds](#deathproceeds_836550eb-c314-4d50-b17d-90938ae4694c) payable upon the death of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) is the sum of the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) plus any insurance on the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)'s life provided by [Additional Benefits](#additionalbenefits_f2b24b6d-a260-4619-aa14-728abc7e2fcd) less any [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) and the lesser of (1) unpaid monthly deductions or (2) any unpaid [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8). We will also deduct any amount paid by us after the date of death and before we were notified of the death. The [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) will be calculated as of the date of death.

**When Insurance Coverage Takes Effect** <br>At the time an [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491) is accepted, subject to Thrivent's underwriting rules, an applicant can obtain temporary insurance protection pending issuance of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) by submitting payment of a full premium for the premium interval selected. If Thrivent subsequently determines that the proposed [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) is not an acceptable risk under Thrivent's underwriting standards or rules, no temporary insurance coverage will have been provided and any premium paid will be refunded without interest.

No insurance will take effect unless and until all of the following conditions are present and satisfied during the lives of all persons to be insured: (a) the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) has been issued and delivered to you; (b) the first full premium has been paid; and (c) the health of all persons to be insured remains as stated in the [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491). We begin to deduct monthly deductions from your [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) on the [Contract Date](#contractdate_936645f7-d788-4428-ad91-6603daf7c83f). However, monthly deductions will be effective as of the Date of Issue if different from the [Contract Date](#contractdate_936645f7-d788-4428-ad91-6603daf7c83f).

**5**

------

**Life Insurance Tax Qualification** <br>Contracts must meet the definition of life insurance under Section 7702 of the Internal Revenue Code (Code). At the time of purchase, you must select between two methods that satisfy this tax definition: the Cash Value Accumulation Test (CVAT) and the Guideline Premium Test (GPT). You cannot change your selection after the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is issued. For both tests, the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) will be at least the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) multiplied by a death benefit factor, which varies by [Attained Age](#attainedage_77c858ad-eb45-4c66-842b-bb75008d1967).

CVAT: the death benefit factors are based on the risk class and sex (in most states) of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf), and any rating. A table of these death benefit factors will be listed in the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).

GPT: the death benefit factors are the cash value corridor factors provided in the Code. A table of these death benefit factors will be listed in the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). Premiums may be limited under the GPT, to ensure compliance with the Federal tax laws.

As this selection cannot be revised, careful consideration should be given to which testing method to choose. Aspects you should consider include the following.

The CVAT will generally allow larger premiums to be paid relative to the Contract's [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c), especially in the early [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) years. If you want to maximize [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b)s relative to the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)'s [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c), this test generally will allow larger [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b)s relative to the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) in the early years and lower [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b)s relative to the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) in the later [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) years.

Conversely, [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)s based on the GPT generally require larger [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)s relative to [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b)s in early [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) years but allow larger [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b)s relative to [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)s in later [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) years. As there are cumulative premium limits with this test, total premium payments must not exceed the limit described in the Code.

**Payment of Benefits** 

In addition to traditional lump sum payments, other payment options are available. All or part of the life insurance proceeds from death or surrender may be placed in one of several settlement options. Proceeds distributed according to a settlement option do not vary with the investment performance of the [Variable Account](#variableaccount_6a936482-bac0-4c83-8c29-ea2e9c76952f). Contract [Owner](#owner_a1f986a2-652a-48a1-9ea5-5d6b2ea64c77)s may select a settlement option prior to the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)'s death. A [Beneficiary](#beneficiary_1b8b058a-b09e-4fed-b37e-82271632db59) may select a settlement option at the time of making a claim for [Death Benefits](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c). There are five settlement options: (1) Interest Income; (2) Income of a Fixed Amount; (3) Income for a Fixed Period; (4) Life Income with Guaranteed Period; and (5) Joint & Survivor Life Income with Guaranteed Period. The settlement options may be revocable depending on which settlement option is selected. See the Settlement Options section of the statutory prospectus for more details.

The minimum amount that we will apply to a settlement option is $2,000. Additionally, the resulting payment must be at least $50. Once a settlement option is selected, we will provide a settlement option agreement. In the settlement option agreement, we will reflect guaranteed payments, if any.

**6**

------

Other Benefits Available Under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)

**In addition to the standard death benefits associated with your** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**, other benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the tables may be found in the Fee Table.**

Benefits Table

---

| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is Benefit**<br> **Standard or**<br> **Optional**<br>| **Brief Description of**<br> **Restrictions/Limitations**<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; Guaranteed Increase <br> Option<br>| Allows you to increase the amount of coverage <br> without having to show evidence of insurability <br> at certain pre-defined opportunities.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; ♦ Issue ages 0-17. <br> ♦ Available at issue or may be <br> added after issue with <br> evidence of insurability.<br> ♦ Only available if the base <br> coverage is not rated.<br> ♦ Terminates 60 days following <br> the first rider anniversary on <br> or after the Insured's age 49, <br> or on the date that an <br> Alternate Increase Option <br> Date was used, canceling <br> the last Fixed Increase <br> Option.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; Disability Waiver of <br> Monthly Deductions<br>| In the event the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) is totally disabled <br> under the terms of the rider, scheduled <br> premiums due during the benefit period are <br> waived so the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), including any [Additional](#additionalbenefits_f2b24b6d-a260-4619-aa14-728abc7e2fcd)<br> Benefits, continues in force.<br>| Optional | &nbsp;&nbsp;&nbsp;&nbsp; ♦ Can be issued at ages 0-59.<br> ♦ Terminates at age 65 or the <br> end of the benefit period, if <br> later.<br> ♦ Six month waiting period from <br> date of disability.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; Accelerated Death <br> Benefit for Terminal <br> Illness Rider<br>| This rider pays a portion of the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)<br> when requested if the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) has a life <br> expectancy of 24 months or less in most states.<br>| Standard | &nbsp;&nbsp;&nbsp;&nbsp; ♦ Any assignee, irrevocable <br> [Beneficiary](#beneficiary_1b8b058a-b09e-4fed-b37e-82271632db59) or other party <br> with ownership rights must <br> consent to payment of the <br> Accelerated Benefit.<br>|

---

Buying the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)

**How do I purchase the Thrivent Accumulation Variable Universal Life Insurance** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**?** <br>You purchase a [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) by submitting a completed [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491) and an initial premium to us at our [Service Center](#servicecenter_93693c34-f22f-4288-9a31-35d772b32bb2) through a financial advisor or professional. We will begin processing your request to purchase a [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) when we receive the [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491) in [Good Order](#goodorder_f923333f-4b9a-4b36-973a-295f0be733e6).

**Initial Premium** <br>You may allocate your premium to any [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b) of the [Variable Account](#variableaccount_6a936482-bac0-4c83-8c29-ea2e9c76952f) and/or the [Fixed Accounts](#fixedaccounts_cb92f18d-94c7-460d-9e48-d4268af2df17). If your [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491)is in [Good Order](#goodorder_f923333f-4b9a-4b36-973a-295f0be733e6) and we approve your [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491), we will allocate your initial premium to your selected [Subaccounts](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b), [DCA Fixed Account](#dcafixedaccount_9b06f7ba-16dd-411a-bffc-223ee6e4b115) and/or [Fixed Account](#fixedaccount_7204c904-d879-4e35-87f4-6623bbdefa00) as of the [Contract Date](#contractdate_936645f7-d788-4428-ad91-6603daf7c83f).

**7**

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We will issue your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) if you meet all underwriting and other requirements. We issue [Contracts](#contract_a2821932-2678-47f8-a915-9af6b1151025) only with a [Date of](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6)Issue between the 1st and the 28th of any month. New [Contracts](#contract_a2821932-2678-47f8-a915-9af6b1151025) that would otherwise receive a [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6) of the 29th through the 31st of any month will instead be given a [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6) of the 28th day of the month. The minimum premium required to issue the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is equal to the [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8).

**Flexible Premiums** <br> This [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is a flexible premium individual variable adjustable life insurance contract. After a minimum initial premium, premiums may be paid at any time and in any amount, subject to some restrictions. There are no scheduled premium due dates.

You are responsible for monitoring and managing the amount of premiums you choose to pay and how those premiums are allocated to [Subaccounts](#subaccounts_32bf3e19-0762-4614-9ce6-244e061e800b) and the [Fixed Account](#fixedaccount_7204c904-d879-4e35-87f4-6623bbdefa00) to help assure the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) meets your needs. We recommend that you pay at least the [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8)s to protect your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) from lapsing. Paying these minimum premium amounts ensures, while the guarantee is active, that your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) will not lapse in the event the [Cash Surrender](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a)Value is not sufficient to pay the monthly deductions.

**Net Premium and Premium Allocation** <br> We deduct a [Percent of Premium Charge](#percentofpremiumcharge_72b2b26d-0a79-430e-8826-6fef641906a0) of 5% on each premium. The remainder of the premium is the "[Net Premium](#netpremium_94ff0fd5-991e-435c-ac0a-127957537af4)." The [Percent of Premium Charge](#percentofpremiumcharge_72b2b26d-0a79-430e-8826-6fef641906a0) may not be deducted in certain situations. [Net Premiums](#netpremium_94ff0fd5-991e-435c-ac0a-127957537af4) are the amounts we direct to the various [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b)s and/or [Fixed Accounts](#fixedaccounts_cb92f18d-94c7-460d-9e48-d4268af2df17) according to your allocation instructions.

We will allocate your [Net Premium](#netpremium_94ff0fd5-991e-435c-ac0a-127957537af4) according to the allocation instructions on your [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491) or most recent allocation instructions on file. Your allocation must be in whole percentages and total 100%. You may change your allocation percentages for future payments at any time by giving us [Notice](#notice_5595f954-25ba-4d6e-b511-e24bb1b4ecfe).

If we receive your premium before the close of regular trading on the New York Stock Exchange (NYSE) (usually 4:00 p.m. Eastern Time, the time we determine the value of the accumulation units) on a [Valuation Date](#valuationdate_7f443833-e73d-4273-9def-b4bc1b1327ac), allocation occurs at the end of the day in which we receive your payment. If we receive your premium on a [non-Valuation Date](#valuationdate_7f443833-e73d-4273-9def-b4bc1b1327ac) or after the NYSE closes, the allocation occurs as of the end of the next [Valuation Date](#valuationdate_7f443833-e73d-4273-9def-b4bc1b1327ac).

**Limits on Premium** <br>IRS rules govern the tax treatment of life insurance contracts. We have the right to limit or refund a premium payment or make distributions from the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as necessary to continue to qualify the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as life insurance under federal tax law or to avoid the classification of your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) as a "modified endowment contract" (MEC). If mandated under applicable law, we may be required to reject a premium payment.

In addition to excluding life insurance [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c)s from the [Beneficiary](#beneficiary_1b8b058a-b09e-4fed-b37e-82271632db59)'s gross income, the Internal Revenue Code of 1986, as amended (the "Code") also defers taxation on the income portion of the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b), prior to receipt by the [Contract Owner](#contractowner_c896ba1b-1632-4e4c-abcd-d65cc5bcdf82). To qualify for this treatment, federal tax law may limit the premiums you may pay and requires that the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) be limited to a certain percentage of the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c). We will return the portion of any premium payment that causes the limit on premiums to be exceeded, unless the premium is required to keep the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) in force.

If you elect the Guideline Premium Test (GPT) we reserve the right to not accept premiums in the following situations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Any premiums when the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) is based on the [Table of Death Benefit Factors](#tableofdeathbenefit_2649cf9d-2d52-4885-8386-a6c75b8e86a4); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The portion of any premium that would cause the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) to be based on the [Table of Death Benefit](#tableofdeathbenefit_2649cf9d-2d52-4885-8386-a6c75b8e86a4)Factors.

If you elect the Cash Value Accumulation Test (CVAT), then prior to Attained Age 100 (and at any age in New York issued Contracts), we will not accept premium as described above and at Attained Age 100 and later we reserve the right not to accept premiums as described above.

**8**

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Additional premium limits will apply for [Contracts](#contract_a2821932-2678-47f8-a915-9af6b1151025) subject to the GPT. In the event of a reduction in the [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8), or other changes to the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) which cause the premiums paid or the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) to exceed the applicable limit described in the Code regarding the definition of life insurance, we will refund any excess premiums and earnings thereon (and other [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b)) as necessary to comply with the limit described in the Code, and in limited circumstances we may increase the [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c). At [Attained Age](#attainedage_77c858ad-eb45-4c66-842b-bb75008d1967) 100 and later (except on New York issued contracts), we reserve the right to not accept premiums as described above.

Your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) could be classified as a MEC if premiums paid exceed certain dollar thresholds or if certain transactions are processed. Except as described below, we will apply only the portion of the premium payment(s) (including electronic payments) that will not cause the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to become a MEC and will return the balance to the premium payer without applying it to the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). The portion of the payment that is applied to the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) will be credited as of the [Valuation](#valuationdate_7f443833-e73d-4273-9def-b4bc1b1327ac)Date the payment was determined to be in [Good Order](#goodorder_f923333f-4b9a-4b36-973a-295f0be733e6). The premium refund to prevent MEC status may, in some situations, result in loss of the No-Lapse Guarantee (if applicable) on the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). Additionally, except as described below, a request for any transaction (such as a reduction in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8)) that would immediately cause the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to become a MEC will be deemed not in [Good Order](#goodorder_f923333f-4b9a-4b36-973a-295f0be733e6). We will notify you if a requested transaction would immediately cause your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to become a MEC and will not process that transaction unless and until we have received your instruction to proceed and allow MEC status.

The following exceptions apply to this MEC process:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. When your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is initially issued, we will either accept or reject the full premium payment. We will accept a full premium payment that results in MEC status only if we have received acknowledgement of MEC status signed by you on forms acceptable to us. Otherwise, if allocation of the full premium payment would result in MEC status, we will consider the [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491) to be not in [Good Order](#goodorder_f923333f-4b9a-4b36-973a-295f0be733e6) and will not issue the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) and will not allocate any portion of the premium until the [Application](#application_ed7a3c61-a2c5-4f00-8a8a-9b483e142491) is in [Good Order](#goodorder_f923333f-4b9a-4b36-973a-295f0be733e6).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If the start of the next [MEC Contract Year](#meccontractyear_956511a9-e384-457d-886c-fe4880cff321) is within 30 calendar days of the date the premium is received, and allocating all or a portion of the payment on the first day of the next [MEC Contract Year](#meccontractyear_956511a9-e384-457d-886c-fe4880cff321) will not cause the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to become a MEC, then:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. upon receipt we will allocate, as described above, only the portion of the premium payment that will not cause the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to become a MEC; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. we will wait to allocate the balance of the payment that can be applied without causing your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to become a MEC on the first day of the next [MEC Contract Year](#meccontractyear_956511a9-e384-457d-886c-fe4880cff321) or if the first day of the next [MEC Contract](#meccontractyear_956511a9-e384-457d-886c-fe4880cff321)Year is not a [Valuation Date](#valuationdate_7f443833-e73d-4273-9def-b4bc1b1327ac), then the payment will be allocated as of the next following [Valuation Date](#valuationdate_7f443833-e73d-4273-9def-b4bc1b1327ac); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. we will return to the premium payer, without allocating it to the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), any remaining balance that, as of the first day of the next [MEC Contract Year](#meccontractyear_956511a9-e384-457d-886c-fe4880cff321), still would have caused the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to become a MEC; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. no interest will be paid to you or the premium payer from the date of receipt of the premium payment to the date it is either allocated to your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) or returned to you.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If the amount of the premium payment that can be applied to your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is less than $1.00, then the payment will be refunded or held according to these processes. A payment in an amount less than $1.00 will not be applied to your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. You may also provide instructions directing us to allocate any specific premium payment and/or process any specific transaction even if MEC status will result. Those instructions must indicate that you consent to your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) being treated as a MEC. You should consult with your tax advisor before doing so. Those instructions must be received with the applicable premium payment or transaction request that will result in MEC status. We do not allow advance elections for future premium payments or future transactions that may result in MEC status on your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).

For more information on MECs, see *Taxes*.

**9**

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**Premium in Default and Grace Period** <br> Unless the [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185) is in effect, a premium is in default on a [Monthly Anniversary](#monthlyanniversary_1cd93822-da80-471e-97b0-698781207d2e) if a monthly deduction to be made on that date would result in a [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) less than zero. You will have a grace period of 61 days after the date of default, during which the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) will remain in force. At least 31 days before the end of the grace period we will notify you and any assignee of the premium required to keep the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) in force. The amount indicated in the notice will be based on the [Valuation Date](#valuationdate_7f443833-e73d-4273-9def-b4bc1b1327ac) on which the notice is produced. The amount needed to prevent the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) from lapsing may increase or decrease daily based on fluctuations in the [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b)s you selected.

You should discuss the amount with your financial advisor or professional. The [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) will continue in force through the grace period.

If the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) dies during the grace period, the [Death Proceeds](#deathproceeds_836550eb-c314-4d50-b17d-90938ae4694c) payable will be reduced by the amount of the monthly deductions due and unpaid and the amount of any outstanding [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)[Debt.](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32)

If your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is issued in Florida and the [Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1) is 64 or greater, this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) will not terminate until at least 21 days after we mail notification of termination to you and to any secondary addressee that you have designated.

[**No-Lapse Guarantee**](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185) <br> The [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185) ensures, while the guarantee is active, that your coverage will continue even if the [Cash](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a)Surrender Value is insufficient to pay the current monthly deductions. If timely payment of minimum premium amounts (the [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8)) is received and the monthly deduction to be made exceeds the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) less any [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32), a deduction equal to that amount will be made, if that amount is greater than zero. If it is not greater than zero, no deduction will be made and instead the balance of the monthly deduction will be postponed until the next day on which the amount of the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) less any [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) exceeds the amount of the postponed monthly deduction. At that time the postponed amount will be deducted from the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b). If the [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185) becomes inactive or terminates while any amount of postponed monthly deductions remains outstanding, premium will be in default. The premium required to keep this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) in force will include the outstanding amount of postponed monthly deductions.

The [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8) is the minimum monthly premium required to keep your [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185) in effect. Your particular [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8) and the termination date of the guarantee are shown on the schedule page of your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). The [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8) is calculated specifically for each [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) on the [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6). The [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185) will vary by [Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1), sex, [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8), [Additional Benefits](#additionalbenefits_f2b24b6d-a260-4619-aa14-728abc7e2fcd), [Death Benefit Option](#deathbenefitoption_1914f9f8-1ca7-4b31-93c8-35e678cdfd1a), and risk class (which may include ratings).

The [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185) is automatically available to you when you purchase the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). The duration of the [No-Lapse](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185)Guarantee varies by Issue Age:

♦

Issue Ages 0-60: 20 years

♦

Issue Ages 61-75: 10 years

♦

Issue Ages 76-80: 5 years

How Your Contract Can Lapse

**Lapse**

Your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) will lapse (that is, terminate without value) if:

♦

your monthly deductions are greater than your [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a);

♦

there is not an active [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185); and

♦

payment of the premium to keep the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) in force is not paid within the grace period.

If the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) lapses, a tax may result.

**10**

------

If the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) lapses, you have the right to reinstate your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) within certain limitations. The requirements for reinstatement and associated limitations are described below and in more detail in your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). Reinstatement within 90 days of lapse and within the same calendar year as the lapse is most beneficial for minimizing any related taxes.

**Reinstatement** 

You may reinstate the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) any time within three years after it has lapsed unless it was surrendered (some states may allow a longer period to be able to reinstate your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)). To reinstate your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) we require:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.An application for reinstatement submitted to us at our [Service Center](#servicecenter_93693c34-f22f-4288-9a31-35d772b32bb2);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Evidence of insurability that meets our standards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.Payment of one of the following amounts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.A premium sufficient to cover:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i.Any monthly deductions that were not made before the grace period because they were postponed under the [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii.The monthly deductions that were not made during the grace period; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.If the effective date of reinstatement is before the termination date of the [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185), a premium sufficient to reactivate the [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.Payment of a premium sufficient to keep this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) in force for at least three months, based on unit values on the date of reinstatement; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.Repayment of all [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) existing at the end of the grace period.

The effective date of a reinstatement will be the date the application for reinstatement is approved by us. The [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) on that date will be equal to:

♦

The [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) at the end of the grace period; plus

♦

The [Net Premium](#netpremium_94ff0fd5-991e-435c-ac0a-127957537af4) received to reinstate the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025); less

♦

Any postponed or unpaid monthly deductions made on that date.

Any [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) on or after reinstatement will be the same as if the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) had always been in force since the [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6).

You may reinstate any [Additional Benefits](#additionalbenefits_f2b24b6d-a260-4619-aa14-728abc7e2fcd) that were in effect prior to lapse that would not have otherwise terminated pursuant to provisions of the Additional Benefit rider before the effective date of reinstatement.

The [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185) will be included on a reinstated [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) only if that guarantee did not terminate before the effective date of reinstatement and you pay an amount sufficient to reactivate a [No-Lapse Guarantee](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185). Any [No-Lapse](#nolapseguarantee_c67726e8-5c4e-41c4-936a-5a0ab79da185)Guarantee that could have been reactivated by paying a sufficient premium will be included on the reinstated [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) in inactive status.

Making Withdrawals: Accessing the Money in Your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)

You may surrender your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) and receive your [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) or make a partial surrender by giving us [Notice](#notice_5595f954-25ba-4d6e-b511-e24bb1b4ecfe)at our [Service Center](#servicecenter_93693c34-f22f-4288-9a31-35d772b32bb2). The surrender or partial surrender will not be processed until we receive your request in [Good](#goodorder_f923333f-4b9a-4b36-973a-295f0be733e6)Order. You may obtain information as to a surrender or partial surrender by contacting your financial advisor or professional or calling our [Service Center](#servicecenter_93693c34-f22f-4288-9a31-35d772b32bb2) at (800) 847-4836. We do not accept telephone requests for surrenders.

**Partial Surrenders** <br>Partial surrenders offer you a way to access your [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b). You may withdraw part of your [Cash Surrender](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a)Value upon giving [Notice](#notice_5595f954-25ba-4d6e-b511-e24bb1b4ecfe). Partial surrenders are implemented by either the redemption of accumulation units or reduction

**11**

------

in the [Fixed Accounts](#fixedaccounts_cb92f18d-94c7-460d-9e48-d4268af2df17) balance. The partial surrender will be taken from the [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b)s and [Fixed Accounts](#fixedaccounts_cb92f18d-94c7-460d-9e48-d4268af2df17) according to the ratio that the [Contract's](#contract_a2821932-2678-47f8-a915-9af6b1151025) accumulated value in the Subaccounts or Fixed Accounts bears to the total [Accumulated](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b)Value less any accumulated value in the [Loan Account](#loanaccount_2a2e5b32-946f-4c7c-bdd0-a61f8f2a5c28) at the time of the partial surrender. With our approval, you may choose other allocations of a partial surrender. A partial surrender may have tax consequences.

A partial surrender will reduce your [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b), [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8), [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) and the amount of premiums considered to meet the [No-Lapse Guarantee Premium](#nolapseguaranteepremium_c273317b-0bda-4c99-95d6-f9a10b5a6fd8) requirements.

**Full Surrender** <br>At any time while the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is in force and the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) is living, you may surrender this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) by sending [Notice](#notice_5595f954-25ba-4d6e-b511-e24bb1b4ecfe) to our [Service Center](#servicecenter_93693c34-f22f-4288-9a31-35d772b32bb2). If you surrender your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), the surrender will be effective on the day we receive [Notice](#notice_5595f954-25ba-4d6e-b511-e24bb1b4ecfe).

Following a full surrender, you will receive the [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) from the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). As an alternative to receiving the [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a), at any time while the Insured is living (and before [Attained Age](#attainedage_77c858ad-eb45-4c66-842b-bb75008d1967) 121) you may surrender this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) and elect to apply the [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) as a single premium to purchase [Paid-Up Life Insurance](#paiduplifeinsurance_2b6430b2-8e4a-4f7a-a27b-f233cde815e9) on the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf).

A full surrender may result in a [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) depending how long your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) has been in force.

A full surrender will result in a [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) of $0, a [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8) of $0 and a [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c) of $0. Insurance coverage ceases on the effective date of the surrender and the coverage cannot be reinstated.

If your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) is issued in New York, you may exchange this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) for any fixed benefit permanent life insurance on the life of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) that we offer at the time of exchange and no evidence of insurability will be required. This exchange right is subject to all the conditions specified in your New York [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) form and this [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) must be exchanged: 1. Within 18 months after the [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6); or 2. Within 60 days after the later of the effective date of a material change of investment policy of the [Variable Account](#variableaccount_6a936482-bac0-4c83-8c29-ea2e9c76952f) and the date you receive notification of such change.

A full surrender of your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) may have tax consequences.

[**Cash Surrender Value**](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) <br>The [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) is the total amount you will receive upon surrender of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). It is equal to the [Accumulated Value](#accumulatedvalue_00f1b88c-ba59-475e-a2e8-a6687abcf70b) less any [Decrease Charges](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) and any outstanding [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) and any unpaid monthly deductions. The [Cash](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a)Surrender Value changes daily, reflecting, among other things, increases and decreases in the value of the [Portfolio](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94)s in which the assets of the [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b)s are invested and interest credited in the [Fixed Accounts](#fixedaccounts_cb92f18d-94c7-460d-9e48-d4268af2df17) and [Loan Account](#loanaccount_2a2e5b32-946f-4c7c-bdd0-a61f8f2a5c28), and any interest charged against the [Loan Account](#loanaccount_2a2e5b32-946f-4c7c-bdd0-a61f8f2a5c28). It is possible for the [Cash Surrender Value](#cashsurrendervalue_cdfbb4ae-69c2-467d-bb1c-dd467c17c56a) of your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) to decline to zero because of unfavorable investment performance or outstanding [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) or insufficient premium payments.

**Timing of Payments** <br>We typically process any surrender, partial surrender, [Death Benefit](#deathbenefit_7875de5d-172a-4efe-8f29-dd0d4409454c), loan, transfer or settlement option within 7 days after receipt of all applicable written and telephone requests and/or proof of death of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf). We may postpone payment of any amount due from the [Variable Account](#variableaccount_6a936482-bac0-4c83-8c29-ea2e9c76952f) for a surrender, partial surrender, transfer, loan or on the death of the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)whenever the New York Stock Exchange is closed, the SEC has determined that an emergency exists, or the SEC requires that trading be restricted.

Except when used to pay premiums due on contracts with us, we also may postpone any transfer from the [Fixed Accounts](#fixedaccounts_cb92f18d-94c7-460d-9e48-d4268af2df17)or payment of any portion of the amount payable upon surrender, partial surrender or loan from the [Fixed Accounts](#fixedaccounts_cb92f18d-94c7-460d-9e48-d4268af2df17) for not more than six months from the day we receive [Notice](#notice_5595f954-25ba-4d6e-b511-e24bb1b4ecfe) and, if required, your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).

**12**

------

Additional Information About Fees

**The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**. Please refer to your** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025) **specifications page for information about the specific fees you will pay each year based on the options you have selected.**

**The first table describes the fees and expenses that you will pay at the time that you buy the** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**, surrender or make withdrawals from the** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**, or transfer accumulated value between investment options.** 

**Transaction Fees** 

---

| | | |
|:---|:---|:---|
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| [**Percent of Premium Charge**](#percentofpremiumcharge_72b2b26d-0a79-430e-8826-6fef641906a0) | &nbsp;&nbsp;&nbsp; Upon receipt of each premium <br> payment<br>| 5% of each premium payment<sup>1</sup> |
| **Premium Tax Charge** | Not currently applicable<sup>2</sup> | Not currently applicable<sup>2</sup> |
| [**Decrease Charge**](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)<sup>3</sup> | &nbsp;&nbsp;&nbsp; Upon surrender, lapse, or decrease <br> in the [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8)<br>|  |
| &nbsp;&nbsp;&nbsp;&nbsp; Maximum |  | &nbsp;&nbsp;&nbsp; $50.18 per $1,000 of decrease in <br> [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8)<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; Minimum |  | &nbsp;&nbsp;&nbsp; $3.70 per $1,000 of decrease in <br> [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8)<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a male [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf), <br> [Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1) 45, in the standard <br> non-tobacco risk class with a <br> [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8) of $400,000, in <br> the first [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb).<br>|  | &nbsp;&nbsp;&nbsp; $20.30 per $1,000 of decrease in <br> [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8)<br>|
| **Partial Surrender Charge** | &nbsp;&nbsp;&nbsp; Upon each partial surrender in <br> excess of one per [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb)<br>| $25 per partial surrender |
| **Transfer Charge** | &nbsp;&nbsp;&nbsp; Upon each transfer after the twelfth <br> in a [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb)<sup>4</sup><br>| $25 per transfer |
| **Accelerated Death Benefit** | On exercise of benefit<sup>5</sup> | $150  |

---

<sup>1</sup> The [Percent of Premium Charge](#percentofpremiumcharge_72b2b26d-0a79-430e-8826-6fef641906a0) may not be deducted in certain situations.

<sup>2</sup> We are not currently subject to premium taxes. However, we reserve the right to impose a charge for these taxes in the future if we have to pay them. If imposed, the premium tax charge would be between 0% and 5% of premium payments.

<sup>3</sup> The [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) applies to each decrease in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8) during the first 10 [Contract Years](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb) and during the first 10 years following an increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). The [Decrease Charge](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b) remains level for the first five years of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) (or during the first five years following an increase in [Face](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8)Amount), and then decreases each [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb) to zero after year 10 (and to zero after the 10th year following an increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8)). [Decrease](#decreasecharge_951f1284-91f6-4b8b-91ac-98c766ce8c3b)Charges depend on the [Insured's](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)[Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1), sex (in most states), amount of decrease in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8), risk class and duration of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). See Charges.

<sup>4</sup> The charge applies to each Subaccount transfer in excess of the first twelve transfers made in a [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb).

<sup>5</sup> The charge may vary by state and may be lower in some states.

**The next table describes the fees and expenses that you will pay periodically during the time that you own the** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**, not including** [**Portfolio**](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) **fees and expenses.**

**13**

------

**Periodic Charges Other Than Annual** [**Portfolio**](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) **Expenses** 

---

| | | |
|:---|:---|:---|
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| **Cost of Insurance Charge**<sup>6</sup> | &nbsp;&nbsp;&nbsp; On [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6) and monthly <br> thereafter<br>|  |
| &nbsp;&nbsp;&nbsp;&nbsp; Maximum Charge |  | &nbsp;&nbsp;&nbsp; $83.3333 per $1,000 of risk <br> amount<sup>7</sup><br>|
| &nbsp;&nbsp;&nbsp;&nbsp; Minimum Charge |  | &nbsp;&nbsp;&nbsp; $0.0058 per $1,000 of risk <br> amount<sup>7</sup><br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a male [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf), <br> [Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1) 45, in the standard <br> non-tobacco risk class with a <br> [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8) of $400,000, in <br> the first [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb).<br>|  | &nbsp;&nbsp;&nbsp; $0.0858 per $1,000 of risk <br> amount<sup>7</sup><br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Mortality and Expense Risk** <br> **Charge**<br>| &nbsp;&nbsp;&nbsp; On [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6) and monthly <br> thereafter<br>| 0.082% of the [Subaccount](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b) value<sup>8</sup> |
| **Monthly Unit Charge**<sup>9</sup> | &nbsp;&nbsp;&nbsp; On [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6) and monthly after <br> issue, and monthly after a [Face](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8)<br> Amount Increase<br>|  |
| &nbsp;&nbsp;&nbsp;&nbsp; Maximum Charge |  | $0.49 per $1,000 of [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8) |
| &nbsp;&nbsp;&nbsp;&nbsp; Minimum Charge |  | $0.00 per $1,000 of [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a male [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf), <br> [Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1) 45, in the standard <br> non-tobacco risk class with a <br> [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8) of $400,000, in <br> the first [Contract Year](#contractyear_09ea1820-fdbf-43a6-8d1d-ce3938ca21cb).<br>|  | $0.10 per $1,000 of [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8) |
| **Basic Monthly Charge** | &nbsp;&nbsp;&nbsp; On the [Date of Issue](#dateofissue_fbc38af8-9e55-4e5d-aa8d-ed660c8f75f6) and monthly <br> thereafter<br>| $9.00<sup>10</sup> |
| [**Debt**](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) **Interest** | Accrues daily | 4.0% Net Interest Rate on [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32)<sup>11</sup> |
| **Optional Benefits Charge:**<sup>12</sup> |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ***Disability Waiver of Monthly*** <br> ***Deduction Benefit***<br>| &nbsp;&nbsp;&nbsp; On the rider date of issue and <br> monthly thereafter<br>|  |
| &nbsp;&nbsp;&nbsp;&nbsp; Maximum |  | &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;195.5% of all monthly <br> deductions<sup>13</sup><br>|

---

<sup>6</sup> Cost of insurance charges depend on the [Insured's](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)[Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1), sex (in most states), risk amount, [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8), risk class and duration of the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). The Cost of Insurance Charge shown may not be representative of the charge that you will pay.

<sup>7</sup> For more information on the calculation of this charge see Charges.

<sup>8</sup> Actual current charge is less. For more information on the calculation of this charge see Charges.

<sup>9</sup> The charge applies for the first 180 months after issue and the first 180 months after an increase in [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8). See Charges.

<sup>10</sup> Charge for adults (issue age 18+) is $9.00 per month. For juvenile (issue age 0-17) [Contracts](#contract_a2821932-2678-47f8-a915-9af6b1151025), the charge is $7.50 per month.

<sup>11</sup> The maximum net interest charged on [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) is 4.0%. The gross annual interest rate charged on [Debt](#debt_7c8e9826-8563-432b-82bc-4fb3b9841b32) is 6.0% and for amounts that are transferred as collateral to the [Loan Account](#loanaccount_2a2e5b32-946f-4c7c-bdd0-a61f8f2a5c28) we pay a minimum effective annual rate of 2.0%. We may pay a rate greater than 2.0%.

<sup>12</sup> Charges for [Additional Benefits](#additionalbenefits_f2b24b6d-a260-4619-aa14-728abc7e2fcd) vary based on [Attained Age](#attainedage_77c858ad-eb45-4c66-842b-bb75008d1967) or [Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1), sex (in most states), risk class, [Face Amount](#faceamount_e9ddd30a-3a64-42a5-9227-95c4136bb8c8), risk amount, or rider coverage amount. Charges based on age may increase as the [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) ages. The charges noted apply if the rider is included in your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) and the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025)and/or rider has not otherwise terminated. Before you purchase a [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025), we will provide you a free personalized illustration of your future benefits under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025).

<sup>13</sup> The charge applies until [Insured's](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)[Attained Age](#attainedage_77c858ad-eb45-4c66-842b-bb75008d1967) 65. Monthly deductions include cost of insurance charge, benefit rider charges, basic monthly charge, monthly unit charge, and mortality and expense risk charge.

**14**

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**Periodic Charges Other Than Annual Portfolio Expenses, cont.**

---

| | |
|:---|:---|
| **Charge** | **When Charge is Deducted** |
| &nbsp;&nbsp;&nbsp;&nbsp; Minimum | 4.8% of all monthly deductions<sup>13</sup> |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for a male [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf), <br> [Issue Age](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1) 45, in the standard <br> risk class<br>| 9.5% of all monthly deductions<sup>13</sup> |
| ***Guaranteed Increase Option*** | &nbsp;&nbsp;&nbsp; On the rider date of issue and <br> monthly thereafter<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; Maximum | &nbsp;&nbsp;&nbsp; $0.21 per $1,000 of rider <br> coverage amount<sup>14</sup><br>|
| &nbsp;&nbsp;&nbsp;&nbsp; Minimum | &nbsp;&nbsp;&nbsp; $0.03 per $1,000 of rider <br> coverage amount<sup>14</sup> <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Charge for an [Insured](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf), [Issue](#issueage_9337722e-7fbd-40fb-a48c-29c9dba22ac1)<br> Age0<br>| &nbsp;&nbsp;&nbsp; $0.03 per $1,000 of rider <br> coverage amount<sup>14</sup><br>|

---

<sup>13</sup> The charge applies until [Insured's](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf)[Attained Age](#attainedage_77c858ad-eb45-4c66-842b-bb75008d1967) 65. Monthly deductions include cost of insurance charge, benefit rider charges, basic monthly charge, monthly unit charge, and mortality and expense risk charge.

<sup>14</sup> The charge applies until the first rider anniversary on or after [Insured's](#insured_7af5d1a2-de44-49f1-bfdc-99d98fcd1abf) age 49.

**The next item shows the minimum and maximum total annual operating expenses charged by the** [**Portfolios**](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) **that investors will bear during the time that they own the** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**. This table shows the range (maximum and minimum) of fees and expenses (including management fees and other expenses) charged by the** [**Portfolios**](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94)**, expressed as an annual percentage of average daily net assets. A complete list of the** [**Portfolios**](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) **corresponding to** [**Subaccounts**](#subaccount_108de320-6002-424b-9005-9cb3cdedeb1b) **available under the** [**Contract**](#contract_a2821932-2678-47f8-a915-9af6b1151025)**, including their annual expenses, may be found at the back of this document in the** [**Appendix**](#appendix_3debd067-2f93-4b7d-880e-b5633781b4d5)**.** 

---

| | | |
|:---|:---|:---|
| **Annual** [**Portfolio**](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) **Expenses** | **MINIMUM** | **MAXIMUM** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Expenses that are deducted from [Portfolio](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) assets, including management fees, distribution <br> fees and other expenses.<br>| 0.22% | 1.52% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Expenses that are deducted from [Portfolio](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) assets, after reimbursements and/or fee <br> waivers.\*<br>| 0.22% | 1.15%\* |

---

\* The reimbursements and/or fee waivers will last until April 30, 2026, but may be terminated at any time in the future.

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*.*

**15**

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Special Terms

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| | |
|:---|:---|
| **Accumulated Value** | The total value of the Contract. Accumulated Value equals the sum of the <br> Subaccounts, the Fixed Accounts, and the Loan Account.<br>|
| **Additional Benefits** | Benefits provided by riders, if any, included as part of the Contract.  |
| **Application**  | The application(s) and all amendments and supplements to the application <br> used to apply for this Contract. This includes applications for reinstatement and <br> applications made for changes to the Contract. <br>|
| **Attained Age**  | Attained Age on any day is the Insured's age on the Contract Anniversary on or <br> immediately prior to that day.<br>|
| **Beneficiary**  | The person(s) named by the Contract Owner to receive the Death Proceeds <br> under the Contract. A Beneficiary need not be a natural person. <br>|
| **Cash Surrender Value** | The Accumulated Value of the Contract less any applicable Decrease Charges; <br> outstanding Debt; and any unpaid monthly deductions. <br>|
| **Contract**  | The flexible premium variable adjustable life insurance (Thrivent Financial <br> Accumulation Variable Universal Life) offered by us (Thrivent) and described in <br> this summary prospectus. The entire Contract consists of the Contract, any <br> Additional Benefits, amendments, endorsements, Application and our Articles of <br> Incorporation and Bylaws.<br>|
| **Contract Anniversary** | The same month and day of each year after issue as in the Date of Issue. |
| **Contract Date**  | The latest of the (1) Date of Issue; (2) the date we receive in Good Order the <br> first premium payment at our Service Center; or (3) the date we approve this <br> Contract to be issued.<br>|
| **Contract Year**  | The 12-month period following the Date of Issue or a Contract Anniversary. The <br> Contract Year is always based upon the time elapsed since the Date of Issue.<br>|
| **Date of Issue**  | The date when we issue the Contract. This date will be specified in the Contract <br> and may be different from the Contract Date. The Date of Issue is the date as of <br> which we begin to apply deductions from your Accumulated Value. <br>|
| **DCA Fixed Account** | This account is established when you set up the Dollar Cost Averaging plan. <br> Net Premiums are directed to this account for subsequent monthly transfers <br> into Subaccounts according to your allocation instructions. The amount in the <br> DCA Fixed Account is credited with an interest rate that is determined when the <br> payment is allocated to the DCA Fixed Account. The interest rate is effective for <br> 12 months from the date of allocation. The DCA Fixed Account is part of our <br> General Account and is not a Subaccount. The DCA Fixed Account is included <br> as part of the Accumulated Value of your Contract. <br>|
| **Death Benefit**  | The amount of the benefit that provides the basis for the Death Proceeds <br> calculation. The Death Benefit on any day depends upon the Death Benefit <br> Option in effect on that day. <br>|
| **Death Benefit Option** | Either of the two methods used to determine the Death Benefit. The option is <br> selected in the Application and may be changed any time prior to Attained Age <br> 121. <br>|
| **Death Proceeds**  | The amount paid upon the death of the Insured. The amount is paid to the <br> Beneficiary(ies) designated by the Contract Owner. <br>|
| **Debt** | All unpaid Contract loans plus accrued interest.  |
| **Decrease Charge**  | A Decrease Charge compensates us for expenses associated with <br> underwriting, issuing and distributing the Contract. The charge applies to <br> decreases in the Face Amount or partial surrenders that result in a decrease in <br> Face Amount during the first 10 Contract Years (or first 10 years following an <br> increase in the Face Amount on the increased amount). We deduct the amount <br> of the Decrease Charge at the time of the reduction in Face Amount or <br> surrender.<br>|
| **Dollar Cost Averaging** | An elective program that systematically moves dollars from either the DCA <br> Fixed Account or the Money Market Subaccount. <br>|

---

**16**

------

---

| | |
|:---|:---|
| **Face Amount**  | The amount of life insurance provided by the Contract exclusive of any <br> Additional Benefits. The Face Amount on the Date of Issue is the Initial Face <br> Amount. Increases or decreases in Face Amount will be shown on <br> supplemental Contract schedule pages that we will send to you. <br>|
| **Fixed Account**  | An investment allocation option that credits an interest rate. The Fixed Account <br> is part of our General Account. The Fixed Account is not a Subaccount.<br>|
| **Fixed Accounts**  | Amounts held in the Fixed Account and DCA Fixed Account.  |
| **Fund** | Thrivent Series Fund, Inc., an open-end management investment company, that <br> consists of several Portfolios that underlie Subaccounts of the Variable Account.<br>|
| **Good Order**  | Any request that is submitted with any and all required forms, information, <br> authorization, and funds, received at our Service Center in Appleton, <br> Wisconsin. <br>|
| **Insured**  | The person on whose life the Contract is issued.  |
| **Issue Age**  | The Insured's age on the Date of Issue. |
| **Loan Account**  | When you obtain a loan, Accumulated Value equal to the amount of the loan is <br> taken from the Subaccounts and moved to a Loan Account. Amounts <br> transferred to the Loan Account are invested with our General Account assets. <br> The Loan Account is equal to the amount transferred from any Subaccount, <br> and/or Fixed Accounts to secure the loan less Accumulated Value transferred <br> from the Loan Account to a Subaccount and the Fixed Accounts as a result of <br> repayment of Debt plus the amount by which the accrued interest charged <br> exceeds the amount of interest credited.<br>|
| **MEC Contract Year** | The 12-month period following the Date of Issue or a Contract Anniversary <br> unless there has been a material change under IRC Section 7702A. A material <br> change of the Contract (as defined in the tax law) results in a MEC Contract <br> Year based upon the date of the material change. If there has been more than <br> one material change, the most recent material change will determine the <br> current MEC Contract Year.<br>|
| **Monthly Anniversary** | The date each month on which we deduct charges from Accumulated Value. <br> These monthly deductions occur once each month on the Valuation Date, on or <br> next following the day of the month which corresponds to the day of the month <br> that we issued the Contract<br>|
| **Net Premium**  | The amount of each premium that is applied to the Subaccounts of the Variable <br> Account or to the Fixed Accounts. The Net Premium is equal to the premium <br> paid less the Percent of Premium Charge. The Percent of Premium Charge <br> may not be deducted in certain situations. <br>|
| **No-Lapse Guarantee** | A contract provision that guarantees that insurance coverage will not lapse in <br> the event your Cash Surrender Value is not adequate to cover the current <br> monthly deductions. You must meet the premium requirements of a No-Lapse <br> Guarantee for the Contract to remain in force in the event your Cash Surrender <br> Value is not adequate. <br>|
| **No-Lapse Guarantee Premium** | The minimum monthly premium required to keep the No-Lapse Guarantee in <br> effect. Different combinations of age, sex, risk class, Face Amount, Death <br> Benefit Option and Additional Benefits will result in different No-Lapse <br> Guarantee Premiums. <br>|
| **Notice**  | A request signed by the Contract Owner, received in Good Order by us at our <br> Service Center and satisfactory in form and content to us. <br>|
| **Owner** | A person or entity who owns the Contract.  |
| **Paid-Up Life Insurance** | A new whole life insurance contract with a reduced death benefit determined <br> based on the Cash Surrender Value applied as a single premium to purchase <br> the coverage. No further premiums will be required to support the new, lower <br> amount of coverage.<br>|
| **Percent of Premium Charge** | 5% of each premium. |
| **Portfolio** | A portfolio of Thrivent Series Fund, Inc. which is the underlying investment of a <br> corresponding Subaccount which you may select for your Contract. <br>|

---

**17**

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---

| | |
|:---|:---|
| **Service Center**  | Our office located at 4321 North Ballard Road, Appleton, Wisconsin <br> 54919-0001 or such other address as we may designate. Telephone: (800) <br> 847-4836. Email: mail@thrivent.com.<br>|
| **Subaccount**  | A subdivision of the Variable Account. Each Subaccount invests exclusively in <br> the shares of a corresponding Portfolio of the Fund. <br>|
| **Table of Death Benefit Factors** | The table found in the schedule pages of the Contract and used to help assure <br> the Contract qualifies as life insurance under the federal tax law.<br>|
| **Valuation Date**  | Any day that the New York Stock Exchange is open for regular trading. |
| **Variable Account** | Thrivent Variable Life Account I, which is a separate account of Thrivent.  |
| **We, our, us, Society**  | Thrivent. |
| **You, your, yours**  | The Owner(s) of the Contract. |

---

**18**

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Appendix: Portfolios Available Under the Contract

The following is a list of [Portfolios](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) that correspond to subaccounts available under the [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025). More information about the [Portfolios](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) is available in the prospectuses for the [Portfolios](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94), which may be amended from time to time and can be found online at dfinview.com/Thrivent/AccumulationVUL. You can also request this information in paper at no cost by calling (800) 847-4836 or by sending an email request to mail@thrivent.com.

The current expenses and performance information below reflects fees and expenses of the [Portfolios](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) but does not reflect the other fees and expenses that your [Contract](#contract_a2821932-2678-47f8-a915-9af6b1151025) may charge. Expenses would be higher and performance would be lower if these charges were included. Each [Portfolio's](#portfolio_6eec6b55-fbe7-47a3-870d-f1d818e35b94) past performance is not necessarily an indication of future performance.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **INVESTMENT** <br> **TYPE** | **PORTFOLIO AND ADVISER/SUBADVISER** | **CURRENT** <br>**EXPENSES** | **AVERAGE ANNUAL TOTAL RETURNS** <br>(as of 12/31/25) | **AVERAGE ANNUAL TOTAL RETURNS** <br>(as of 12/31/25) | **AVERAGE ANNUAL TOTAL RETURNS** <br>(as of 12/31/25) |
| &nbsp;&nbsp; **INVESTMENT** <br> **TYPE** | **PORTFOLIO AND ADVISER/SUBADVISER** | **CURRENT** <br>**EXPENSES** | **1 YEAR** | **5 YEAR** | **10 YEAR** |
| &nbsp;&nbsp; Aggressive <br> Allocation<br>| **Thrivent Aggressive Allocation Portfolio** | 0.85%<sup>1</sup> <br>| 15.81% | 9.61% | 11.26% |
| Large Blend | **Thrivent All Cap Portfolio** | 0.66% | 18.05% | 11.90% | 12.43% |
| &nbsp;&nbsp; Conservative <br> Allocation<br>| **Thrivent Conservative Allocation Portfolio** | 0.50% | 10.17% | 4.03% | 5.42% |
| &nbsp;&nbsp; Moderately <br> Conservative <br> Allocation<br>| **Thrivent Dynamic Allocation Portfolio** | 0.68% | 12.62% | 5.92% | 6.84% |
| &nbsp;&nbsp; Diversified <br> Emerging <br> Mkts<br>| **Thrivent Emerging Markets Equity Portfolio** | 1.15%<sup>1</sup> <br>| 32.20% | 2.10% | 7.47% |
| Large Blend | **Thrivent ESG Index Portfolio** | 0.36%<sup>1</sup> <br>| 17.78% | 13.56% | N/A<sup>3</sup> <br>|
| &nbsp;&nbsp; Global <br> Large-Stock <br> Blend<br>| **Thrivent Global Stock Portfolio** | 0.60% | 20.82% | 10.69% | 10.67% |
| &nbsp;&nbsp; Intermediate <br> Government<br>| **Thrivent Government Bond Portfolio** | 0.49% | 7.32% | 0.01% | 1.74% |
| Health | **Thrivent Healthcare Portfolio** | 0.92% | 13.07% | 4.62% | 7.37% |
| &nbsp;&nbsp; High Yield <br> Bond<br>| **Thrivent High Yield Portfolio** | 0.45% | 8.78% | 4.06% | 5.32% |
| &nbsp;&nbsp; Corporate <br> Bond<br>| **Thrivent Income Portfolio** | 0.44% | 7.93% | 0.38% | 3.60% |
| &nbsp;&nbsp; Foreign Large <br> Blend<br>| **Thrivent International Equity Portfolio** | 0.72% | 30.87% | 8.54% | 7.41% |
| &nbsp;&nbsp; Foreign Large <br> Blend<br>| **Thrivent International Index Portfolio** | 0.37% | 31.15% | 8.61% | N/A<sup>3</sup> <br>|
| 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% |
| &nbsp;&nbsp; Mid-Cap <br> Growth<br>| **Thrivent Mid Cap Growth Portfolio** | 0.89%<sup>1</sup> <br>| 2.50% | 1.10% | N/A<sup>3</sup> <br>|
| &nbsp;&nbsp; Mid-Cap <br> Blend<br>| **Thrivent Mid Cap Index Portfolio** | 0.25% | 7.23% | 8.86% | 10.46% |
| &nbsp;&nbsp; Mid-Cap <br> Blend<br>| **Thrivent Mid Cap Stock Portfolio** | 0.66% | 4.73% | 6.86% | 11.30% |
| &nbsp;&nbsp; Mid-Cap <br> Value<br>| **Thrivent Mid Cap Value Portfolio** | 0.87%<sup>1</sup> <br>| 10.82% | 11.31% | N/A<sup>3</sup> <br>|
| &nbsp;&nbsp; Moderate <br> Allocation<br>| **Thrivent Moderate Allocation Portfolio** | 0.70%<sup>1</sup> <br>| 13.63% | 7.13% | 8.38% |

---

**19**

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; **INVESTMENT** <br> **TYPE** | **PORTFOLIO AND ADVISER/SUBADVISER** | **CURRENT** <br> **EXPENSES** | **AVERAGE ANNUAL TOTAL** <br> **RETURNS** <br> (as of 12/31/25) | **AVERAGE ANNUAL TOTAL** <br> **RETURNS** <br> (as of 12/31/25) | **AVERAGE ANNUAL TOTAL** <br> **RETURNS** <br> (as of 12/31/25) |
| &nbsp;&nbsp; **INVESTMENT** <br> **TYPE** | **PORTFOLIO AND ADVISER/SUBADVISER** | **CURRENT** <br> **EXPENSES** | **1 YEAR** | **5 YEAR** | **10 YEAR** |
| &nbsp;&nbsp; Moderately <br> Aggressive <br> Allocation<br>| **Thrivent Moderately Aggressive Allocation Portfolio** | 0.76%<sup>1</sup> <br>| 15.46% | 8.30% | 9.69% |
| &nbsp;&nbsp; Moderately <br> Conservative <br> Allocation<br>| **Thrivent Moderately Conservative Allocation Portfolio** | 0.65%<sup>1</sup> <br>| 12.10% | 4.49% | 6.04% |
| &nbsp;&nbsp; Money <br> Market - <br> Taxable<br>| **Thrivent Money Market Portfolio** | 0.31% | 4.06% | 3.05% | 1.93% |
| &nbsp;&nbsp; Multisector <br> Bond<br>| **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% |
| &nbsp;&nbsp; Short-Term <br> Bond<br>| **Thrivent Short-Term Bond Portfolio** | 0.45% | 6.06% | 2.75% | 2.89% |
| Small Growth | **Thrivent Small Cap Growth Portfolio** | 0.94%<sup>1</sup> <br>| 1.87% | 1.37% | N/A<sup>2</sup> <br>|
| 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% |

---

<sup>1</sup>

Current expenses reflect temporary fee reductions.

<sup>2</sup>

The Fund is not showing Average Annual Total Returns information because the Fund commenced operation on 04/27/2018 and does not have annual returns for the period shown.

<sup>3</sup>

The Fund is not showing Average Annual Total Returns information because the Fund commenced operation on 04/29/2020 and does not have annual returns for the period shown.

**20**

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![](g56450thriventballard.jpg)

This summary prospectus for new investors incorporates by reference the Thrivent Accumulation Variable Universal Life Insurance prospectus and Statement of Additional Information (SAI), both dated April 30, 2026, as amended or supplemented.

The SAI dated April 30, 2026, contains more information about the Contract and Variable Account. The SAI has been filed with the SEC and is incorporated by reference into the prospectus. The SAI is available, without charge, upon request. You can view a copy of the SAI online at dfinview.com/Thrivent/AccumulationVUL. For a paper copy of the SAI, to request other information about the Contract, and to make other inquiries, you may call our Service Center at 1-800-847-4836 or you may send an email to mail@thrivent.com.

Reports and other information about Thrivent are available on the Securities Exchange Commission website at http://www.sec.gov. Copies of the information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

Thrivent is the marketing name for Thrivent Financial for Lutherans. Insurance products issued by Thrivent. Securities and investment advisory services offered through Thrivent Investment Management Inc., a registered investment adviser, member FINRA and SIPC, and a subsidiary of Thrivent. Licensed agent/producer of Thrivent. Registered representative of Thrivent Investment Management, Inc. Thrivent.com/disclosures.

Insurance products, securities and investment advisory services are provided by appropriately appointed and licensed financial advisors and professionals. Only individuals who are financial advisors are credentialed to provide investment advisory services. Visit Thrivent.com or FINRA's Broker Check for more information about our financial advisors.

Contract Forms ICC19 V-VZ-VUL and state variations.

EDGAR Contract No.C000215530 32064SPR R4-26

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