AMENDMENT to the REINSURANCE AGREEMENTS (as listed in the attached Agreement Exhibit and hereinafter collectively referred to as the “Agreements”) between THRIVENT FINANCIAL FOR LUTHERANS Appleton, Wisconsin (hereinafter referred to as the “Ceding...

Exhibit (g)(xviii)

AMENDMENT

to the

REINSURANCE AGREEMENTS

(as listed in the attached Agreement Exhibit and hereinafter

collectively referred to as the “Agreements”)

between

THRIVENT FINANCIAL FOR LUTHERANS

Appleton, Wisconsin

(hereinafter referred to as the “Ceding Company”)

and

RGA REINSURANCE COMPANY

Chesterfield, Missouri

(hereinafter referred to as the “Reinsurer”)

This Amendment is Effective April 1, 2023

I. ADDITION OF THE CEDING COMPANY’S EXPRESS CLAIMS PROGRAM

As of the effective date of this Amendment, the parties agree to apply the Ceding Company’s Express Claims guidelines, as provided to the Reinsurer on November 1, 2022, to claims which fall under the terms of the Agreements.

The parties agree that the following additional parameters apply:

i. The Express Claims Program is an internal review and not disclosed to policyowners, beneficiaries, or agents until after a decision has been made by the Ceding Company that no additional information is necessary to pay the claim.

ii. The Ceding Company agrees to internally audit a representative sample of claims paid under the Express Claims Program annually to verify the insureds’ deaths using other sources than those initially used. The representative sample of claims must be the larger of 10 claims or 5% of claims reinsured under the agreement. The Ceding Company will share the results of these audits with the Reinsurer.

iii. The Ceding Company agrees to provide annual fraud training to employees who participate in the claims Program, including meeting any state requirements.

iv. The parties agree that the Reinsurer is not liable for any death benefits paid in error. Under no circumstances will the Reinsurer be responsible for benefit amounts in excess of the policy Reinsured Net Amount at Risk for YRT Agreements or the Reinsurance Death Benefit for Coinsurance Agreements.

Thrivent Financial for Lutherans Express Claims Program

v. The Reinsurer must be notified of, and agree to, any additional changes to the Express Claims guidelines in advance.

vi. Reinsurer will have the right to audit, remotely or at the Ceding Company’s office, the Ceding Company’s claims paying practices and procedures, including those practices and procedures applicable to claims eligible under the Express Claims Program. If, in its sole judgement, the Reinsurer determines the results of these programs are not satisfactory or that the Company’s claims paying practices and procedures have materially changed from those applied at the inception of these programs, or materially differ from generally accepted industry claims practices, the Reinsurer may immediately terminate the Express Claims Program or, at the Reinsurer’s option, may modify the parameters of the Express Claims Program in a manner that is mutually agreeable to both parties.

II. All provisions of the Agreement not specifically modified herein remain unchanged.

Thrivent Financial for Lutherans Express Claims Program

A signature on this Amendment transmitted electronically shall have the same force and effect as an original signature.

IN WITNESS WHEREOF, both parties have executed this Amendment as follows:

THRIVENT FINANCIAL FOR LUTHERANS						RGA REINSURANCE COMPANY
By:		/s/ Xxxxx X. Xxxxx				By:		/s/ Xxxxxx XxXxxxx
(Signature)						(Signature)
Title:		Vice President, Risk - Actuarial				Title:		Vice President
Date:		May 15, 2023				Date:		June 22, 2023
Location:		Minneapolis, Minnesota				Location:		Chesterfield, Missouri

Thrivent Financial for Lutherans Express Claims Program

AGREEMENT EXHIBIT

Reinsurer’s Agreement Number		Ceding Company’s Agreement Number		Agreement Effective Date		Description of Agreement		Reinsurer’s Amendment Number
00000-00-00				November 11, 2017		Automatic and Facultative YRT Reinsurance Agreement		00000-00-00
00000-00-00				August 1, 2011		Automatic and Facultative Coinsurance Reinsurance Agreement		00000-00-00
9443-00-00				April 1, 2004		Automatic and Facultative Coinsurance Reinsurance Agreement		9443-00-07
9197-00-00		T00727		January 1, 1987		Facultative YRT Reinsurance Agreement		9197-00-10
9194-00-00		T00058		October 1, 1982		Facultative Coinsurance Reinsurance Agreement		9194-00-09
9188-00-00		T00011		June 15, 1980		Facultative YRT Reinsurance Agreement		9188-00-20
9187-00-00		T00059		January 1, 1983		Facultative YRT Reinsurance Agreement		9187-00-10
9186-00-00		T00714		May 1, 2000		Facultative YRT Reinsurance Agreement		9186-00-06
9185-00-00		T00012		September 1, 1982		Facultative Coinsurance Reinsurance Agreement		9185-00-14
9184-00-00		T00694		February 1, 2000		Facultative YRT Reinsurance Agreement		9184-00-06
9127-00-00		T00961		January 1, 2003		Automatic and Facultative Coinsurance Reinsurance Agreement		9127-00-10
3453-00-00		375-1		March 1, 1993		Facultative YRT Reinsurance Agreement		3453-00-17

Thrivent Financial for Lutherans Express Claims Program