MONTHLY OVERVIEW: November 2025 updates, recaps and department news

MONTHLY OVERVIEW

November 2025

All-Product Summary

LEAD WITH LONG-TERM CARE

70% of people turning 65

will need some level of long-term care in retirement,¹ but only 3-4% of adults over age 50 have long-term care insurance.²

Bridge^® by EquiTrust — which combines a fixed index annuity with long-term care (LTC) benefits — is an innovative way to help clients manage LTC expenses. And everyone’s approved³for LTC benefits.

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Holiday office closures

EquiTrust offices will be closed on Thursday, December 25 and Thursday, January 1.

Premium bonus special

Additional 3% bonus on all EquiTrust bonus products for applications received through December 31, 2025.

Get the details

Last call for extra trip credit

Available only through December 31, 2025! Power up your production as you work to join us for the 2026 EquiTrust Agent Incentive Trip to Whistler, Canada!

TRIPLE credit on SmartBoost™ Index sales
DOUBLE credit on sales of all other EquiTrust products

See campaign rules

Sales ideas recap

Sales ideas sent to you in November issues of Sales Week:

Administrative news brief

Required Minimum Distribution (RMD) deadline approaching

Now’s the time to reach out to clients who are required to take an RMD in 2025.

To ensure processing by year-end, RMD forms must be received by Monday, December 15, 2025. Please use the most current versions:

RMD Form – ET-2512
RMD – Beneficiary/Stretch IRA Form – ET-2512ST

866-598-3694 • Sales.Support@EquiTrust.com • Agents.EquiTrust.com

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¹ "How Much Care Will You Need?”; U.S. Department of Health and Human Services; April 29, 2022; https://www.hhs.gov/aging/long-term-care/index.html; accessed September 30, 2025.

² "Five Reasons to Discuss Long-Term Care Insurance Options With Your Clients”; LIMRA; 2024; https://www.limra.com/en/newsroom/industry-trends/2024/limra-five-reasons-to-discuss-long-term-care-insurance-options-with-your-clients/; accessed October 30, 2025.

³ Must pass annuity suitability requirements.

Bridge contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(12-21). Long-Term Care Rider issued on ET-LTC(04-22). EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.

2648-GEN-EM-MO (11-25)

FOR FINANCIAL PROFESSIONAL USE ONLY