Brightpeak Financial Life Insurance Review

Rating: 8.9 / 10 (Excellent)
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Financial Strength
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Brightpeak Financial – Overview

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.

Brightpeak offers term life insurance policies that are underwritten by Thrivent Financial for Lutherans, Inc., a company founded in 1917. For 100 years, Thrivent has been providing life insurance, in addition to disability income, long-term care, Medicare supplement, medical, and business insurances. Brightpeak is a non-profit organization that does not incentivize its salespeople. Their policies may average slightly more expensive than usual, but customers can be sure they are not being sold extra coverage they do not need, and that they are getting a plan that best suits their and their family’s situation.

Company Reputation

Brightpeak’s term life insurance policies are underwritten by Thrivent Financial for Lutherans, Inc. The company has a 100-year history of strength and stability. Both Fitch Ratings and A.M. Best grade Thrivent highly in terms of the company’s ability to meet its obligations to contract holders now and in the future.

Thrivent’s Financial Strength Ratings:

Rating Agency



A.M. Best





Very Strong



Brightpeak only offers term life insurance policies. The company provides an instant quote and application online. Brightpeak is a non-profit that is owned by its members rather than shareholders, so insurance agents are not profit-motivated.  Below are some details of term policies with Brightpeak:


Term Life


18-75 (depending on chosen term)


$100,000 - $2 million


10/20/30 years

Medical Exam

In most cases no if under the age of 45

Average Cost


Level Term

Premium stays the same for selected term

Instant Quote


Online Application


*Products only available in AK, AL, AR, AZ, CO, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, NE, NJ, NV, OH, OK, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV and WY.

Additional Features

Term life insurance policies issued by Brightpeak and underwritten by Thrivent offer several additional features and/or plan riders. Some come automatically with a chosen policy and some are an additional purchase.

  • Level Premiums
  • Convertible to permanent
  • Guaranteed renewability
  • Accelerated death benefit
  • Terminal illness rider
  • Premium waiver rider


To get started online, Brightpeak Financial will nee to collect the following information:

  • Gender
  • Birthday
  • Zip code
  • Health Assessment
  • Smoker/Non-smoker
  • Policy amount
  • Policy term

After this the company will require some more in depth personal information in order to generate a quote.

Life Insurance with Brightpeak Financial

Brightpeak is a solid choice for life insurance if you are willing to accept some rather limited options in exchange for great customer service and personalized attention to detail. Brightpeak’s representatives are not motivated by profit, so you will be sure to get the policy that is most suited to your needs. The company has a true interest in helping people achieve financial stability in order to make the world a better place. If, however, you are in need of more robust life insurance options, you might be better to go with one of the larger, traditional companies. 

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