Guaranteed Retirement Plan

You will have expenses in retirement—that’s guaranteed. Your income should be too. Our Guaranteed Retirement Plan, a fixed annuity, provides a paycheck you can count on.

Fill the Gap in Your Retirement Income

You may have heard your parents say, “I’ll be working ‘til I’m dead.” Lucky for you, you don’t have to follow in their footsteps.

401(k) plans and Social Security income alone aren’t cutting it, and more than half (52%) of U.S. households are at risk of not having enough money to maintain their living standards in retirement.1

brightpeak’s Guaranteed Retirement Plan, a fixed annuity, fills this gap by providing a guaranteed stream of income when you retire until the end of your life.

We lost you at annuity, didn’t we?

What’s a Fixed Annuity?

A fixed annuity is a contract between you and your insurance company that allows you to contribute money every month over time and receive fixed payments (kind of like a paycheck) when you reach a certain age in life. When you enroll in our Guaranteed Retirement Plan, you begin receiving payments when you retire.

The money you contribute to your Guaranteed Retirement Plan buys you income to prepare for your future expenses, and unlike a savings account, you can’t run out of money—no matter what.*

*Guarantees are backed by the financial strength and claims-paying ability of Thrivent Financial.

Benefits and Features

Imagine retirement in a whole new light. Instead of worrying about stretching your funds over time, you can enjoy every year.



Receive a steady, life-long income once you retire, not a lump sum.



Also, you can’t lose money. If you die before retirement age, all your contributions will be paid to your beneficiary.



We’re backed by the strength of Thrivent Financial, an A++-rated not-for-profit that is more than 100 years old, so you can be confident your money will still be there when you retire.

Why brightpeak

We offer a competitive interest rate and also allow for lower monthly premiums so you can begin contributing to your Guaranteed Retirement Plan no matter what stage of life you’re in.


Guaranteed 3% interest rate
(plus dividends)


Low minimum premiums of $50


Roth IRA, Traditional IRA, or Non-qualified options

How It Works

Every penny you contribute to your Guaranteed Retirement Plan helps you build a secure retirement income that you can’t outlive. Fill the gap between your 401(k) and Social Security Income.

Meet 30-year-old Mike


Mike contributes a $250 per month premium to his Guaranteed Retirement Plan.


At 68 years old, he’ll receive a guaranteed lifetime annual income of:
$16,847 per year
($1,404 per month).

With dividends, this could reach:
$22,545 per year
($1,879 per month).*

*Projected dividends are subject to change by Thrivent Financial. Actual results could be higher or lower.

What Our Members Are Saying

Get your quote now