Brightpeak Financial Life Insurance Review

Rating: 9.1 / 10 (Excellent)
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Minnesota- based Brightpeak Financial is a financial services company that strives to help Christians take control of their money situation so they may live with confidence and generosity. The company feels when the stress and worry that financial difficulties bring are removed; clients will live fuller, more confident lives of service to family and the community.

How is Brightpeak Financial rated?


Financial Strength
Customer Experience

Overall Rating: 9.1 / 10 (Excellent)

Brightpeak Financial is a not-for-profit division of Thrivent Financial, a membership organization for Christians with over a century of experience in the life insurance industry. They offer straightforward financial guidance along with term life insurance, disability income insurance, and retirement plans, all from a holistic approach that integrates the cultural, spiritual, behavioral, emotional, and practical dimensions of personal finances. Brightpeak may be the perfect choice for spiritually-oriented consumers looking to support a transparent and ethical company.

Financial Strength

Key Details

Thrivent Financial
AM Best Financial Rating

Financial Strength - 10 / 10

As a subsidiary of Thrivent Financial, Brightpeak enjoys a strong financial reputation. The company has received an A.M. Best financial strength rating of A++ (Superior) and a long-term issuer credit rating of aa+ (Stable).
*The above information reflects the financial strength of the underwriter of the Brightpeak Financial life insurance policies: Thrivent Financial.

Reputation & Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.0) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

Trust Pilot Rating
8.7 out of 10
BBB Rating
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 9 / 10

Brightpeak Financial is accredited by the Better Busines Bureau and currently holds an A+ rating with no customer complaints. Thrivent Financial, its parent company, has only received a total of 6 complaints against their individual life policies according to the NAIC's 2016 report.

Brightpeak Financial Policies

Brightpeak Financial offers customers the following life insurance policies: Term. Because we feel that Term Life insurance is a superior choice for most customers, we've focused our review on the Brightpeak Financial Term Life policy.

Term Life Insurance

Minimum Age
Minimum Death Benefit
Maximum Death Benefit
Available Terms
10 year
20 year
30 year

Policies - 8 / 10

Brightpeak Financial only offers 10, 20, and 30 term life insurance policies for individuals over 50 years of age. Their coverage amounts range from $50,000 to $6 million, yet don't appear to include any optional riders or additional benefits. Brightpeak offers a product that is simple, straightforward, and reliable, an excellent option for spiritual-minded individuals looking to sponsor an ethical, family-oriented company.

Flexibility & Available Riders

Flexibility - 8 / 10

Brightpeak does not provide any optional riders or additional coverages with which to customize their term life policies. They do, however, offer a separate disability insurance to supplement most short-term disability polices.

Additional Company Information

Homepage URL
Company Phone
(888) 362-5502
Headquarters Address
901 N. 3rd Street #195, Minneapolis, MN, 55401
Year Founded

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