FOR PRODUCERS ONLY
BRIDGE® by EquiTrust
Bridge combines long-term care coverage, a science-based wellness program, and a non-qualified fixed index annuity—empowering your clients to plan both for a healthy future and lasting financial security.
Bridge is a flexible-premium, fixed-index deferred annuity with a Long-Term Care Rider, a science-based wellness program, and a choice between five index accounts and a fixed account.
Bridge is an innovative solution designed to help your clients achieve two primary objectives:
Age successfully and live independently
Protect and grow their assets with benefits to pay for long-term care expenses
Bridge is for anyone 50-80 years old who wants to satisfy their financial growth, protection, and legacy goals in one flexible product.
Guaranteed approval for long-term care coverage*: No one is turned away
Easy, real-time digital underwriting (40 minutes vs. a few weeks/months)
NeverStop® Health Coaching & Rewards Program**: Ongoing relationship and value from Day 1
Digital action plans and 1:1 coaching
Additional LTC coverage through participation
It’s the only fixed-index annuity that offers LTC coverage plus the NeverStop® Health Coaching & Rewards Program**
The annuity alone is competitive!
Everyone is approved for LTC coverage*
Underwriting is easy and painless
NeverStop Coaching and Rewards Program allows members to earn additional LTC coverage
Sound too good to be true?
Use analogies to explain long-term care to your clients in a way they can understand and relate to.
We’ve put together 12 analogies and a simple, yet impactful client presentation to help you do just that. Here’s the first analogy:
Analogy #1
The Seatbelt Analogy
Long-term care coverage is like a seatbelt. You don’t wear it because you expect an accident — you wear it because you want to be protected if something happens.
👉 Want the rest of the 12 analogies and the simple, yet impactful client presentation in PDF format? Then please enter your email address below and gain instant access to the full PDF resource:
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Bridge® by EquiTrust Is a Smarter Way to Prepare for the Future
As your clients reach or near age 65, one important question becomes unavoidable: Are they financially prepared for potential long-term care needs and costs?
Less than 15 carriers remain in the standalone long-term care insurance market.
— “Milliman’s annual U.S. industry LTCI claims projection”; Milliman; March 6, 2025; https://www.milliman.com/en/insight/annual-us-industry-ltci-claimsprojection-2025; accessed October 10, 2025.
Bridge is a next-generation solution designed to meet this growing need. It connects two major goals for your clients:
The ability to age independently—at home, on their terms
A smart way to leverage their existing assets to help cover long-term care costs
With Bridge®, your clients can gain peace of mind through better wellness, better access, and better life.
HOW BRIDGE WORKS
Simple, Flexible, and Powerful
Built-in Wellness Support
NeverStop® Health Coaching & Rewards Program is included with every Bridge contract**. NeverStop turns proven insights into simple, guided actions for aging well — building lasting strength, energy, and confidence, while allowing clients to earn additional dollars towards their long-term care benefit. Your clients get personalized coaching that helps them take simple, science-backed actions to stay independent. Every action earns credits that can increase their long-term care benefit. It's not generic wellness — it's real support that grows their coverage.
Long-Term Care Benefits—On Their Terms
If care is needed, Bridge converts funds into tax-free benefits for qualified long-term care expenses (subject to daily IRS maximum). Since this is an indemnity policy and not a reimbursement policy, there are no receipts required—clients receive benefits based on their claim eligibility. This frees up family members from the bookkeeping headaches of copying and submitting receipts, waiting for expense approval, being denied expense reimbursement and, when approved, waiting for expense reimbursement.
Flexible Coverage Ratio
Clients can choose the level of long-term care coverage that fits their needs. Bridge offers benefit multiples ranging from 100% up to 330% of the first-year premium, depending on the client's age and underwriting class.
If Care Isn’t Needed? Still a Win.
If the client never uses the long-term care benefit, the money isn’t lost. The annuity’s accumulated value remains available for:
Supplemental retirement income
Leaving a financial legacy to beneficiaries
Easy, All-Digital Underwriting
Bridge features a fast, no-hassle approval process:
30-minute video-based assessment
No medical records, no exams, no prescription checks
Everyone is approved* in underwriting
Designed for Flexibility
Clients can tailor their long-term care benefits to match their specific planning goals. Bridge accepts funds from:
Non-qualified sources
1035 exchanges from existing annuities (even with deferred gains)
1035 exchanges from unneeded life insurance policies
Powered by an Indexed Annuity
At its core, Bridge is a fixed-index annuity—so it can accumulate value at potentially higher rates than traditional fixed accounts, while also offering the stability of guaranteed benefits.
Bridge® by EquiTrust gives your clients something more than just financial protection—it gives them confidence in their future. It’s a seamless way to offer wellness, care planning, and legacy—all in one innovative product.
Want to Learn More About Bridge?
We’ve put together powerful resources to help you dive deeper into how Bridge works - and how it can help your clients thrive.
A comprehensive overview of the product, positioning tips, and client fit
Step-by-step breakdown of the simple, guaranteed-approval workflow
Details about the science-based wellness program included with Bridge®
And if you want to take it a step further…
Give us your best email address and we’ll send you a PDF file with 12 analogies and a client presentation by Don Connelly to help you explain long-term care to your clients in a way they can understand and relate to.
No spam. No commitments.
Just valuable info delivered straight to your inbox.
By providing your email address, you are authorizing us to send you marketing, informational and other emails. If you would like to opt out from receiving these emails, please send an email to support@longevityplanners.com asking to opt-out.
What Members and Experts Say
“It means using my body to its best potential to do things I want to do and experience life.”
CASE STUDIES
MEET SUSAN
Adjusting to life’s big transitions
Susan, 75, was experiencing many new challenges after she and her husband sold their home and small business and relocated to a new state to be closer to their daughter. Thanks to the NeverStop Coaching and Rewards Program included with her Bridge® by EquiTrust contract, Susan enjoyed the support and guidance of her coach, Dana, to help her through the transition.
MEET GEORGE
Making smart choices for long-term health
George, 79, a retiree who lives with his wife, was excited to use the NeverStop Health Coaching and Rewards Program included with his Bridge® by EquiTrust contract to boost his health. Working together with his coach, Ashley, George committed to the following healthy action goals and completed them all in the first six months:
• Regular healthcare check-ups and screenings
• A visit to his audiologist to better manage his hearing aids
• A daily move goal of 4,000+ steps per day