Bridge by EquiTrust — 100% approval1 for long-term care benefits. Bridge combines a fixed index annuity with LTC coverage and a personalized wellness program.
of people turning 65 today will require some type of long-term care services in their later years.²
Bridge is an innovative way to help your clients prepare to cover those expenses.
Key enhancements
Available on contracts funded on or after January 1, 2026
Minimum issue age lowered from 55 to 50
LTC Rider Benefit Base roll-up increased from 2.00% to 3.00%
LTC Rider Coverage Ratios now apply to premiums received in years 1-5
Wellness Credits now based on Benefit Base instead of Net Amount at Risk (NAR)
Get a custom illustration
Want more details on our innovative FIA with LTC coverage, or working on a case that may be a good fit? Contact Sales Support for a custom illustration.
CLIENT APPROVED Product overview Share this brochure to show all the advantages of the product.
AGENTS ONLY Agent guide Use this guide to become familiar with the product specifications.
AGENTS ONLY Quick hits Get high-level details and product rates.
What is Bridge?
Bridge helps your clients plan for retirement and protect against long-term care expenses — with guaranteed approval1 for LTC coverage.
Long-term care benefits
LTC benefits are tax-free for qualified expenses (up to the IRS daily limit). Monthly payments are indemnity-based — no receipts required — and start when the client qualifies and the claim is approved. Clients can pause benefits anytime to preserve annuity value, and then restart as needed.
100% guaranteed1 LTC approval
No one is declined for LTC benefits, and there’s no field underwriting needed!
No height and weight restrictions
No APS
No prescription checks
No medical exams
Simplified underwriting
Underwriting for LTC coverage is quick and digital, and no one can be declined.1 There are three underwriting classes: Secure, Standard and Preferred. Your client can opt out of underwriting and accept Secure class, or increase their LTC benefit amount if they qualify for Standard or Preferred class.
NeverStop Health Coaching & Rewards Program
The NeverStop Health Coaching & Rewards Program, in partnership with Assured Allies, provides a personalized Aging Map, one-on-one Wellness Ally support and Wellness Credits that can increase LTC coverage. Members also enjoy resources and discounts.
Want to reach out to clients about EquiTrust products?
Use one of our pre-approved ads or create your own and submit for approval. To receive the quickest response, send your ad as an attachment to Advertising@EquiTrust.com. Start by reviewing our advertising guidelines.
CLIENT APPROVED* Not use it or lose it preapproved ad Use this ad/flyer to call out the win-win of the fixed index annuity and LTC benefits of Bridge.
CLIENT APPROVED* What's your LTC plan preapproved ad Use this ad/flyer to build the need to prepare for LTC expenses, and serve up Bridge as a solution.
CLIENT APPROVED* Everyone's covered preapproved ad Use this ad/flyer to share that everyone is approved for Bridge LTC coverage.
*These ads are not approved for use in all states.
1 Must pass annuity suitability requirements. Clients who choose to bypass underwriting will be assigned to Secure class. By participating in underwriting, they may qualify for Preferred or Standard class, through which premium dollars purchase a higher long-term care benefit.
Bridge contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(12-21). Riders issued on ICC17- ET-FIXED-MVA(02-17); ICC18-430-NHW(06-18) or 430-NHW(08-03); ICC16-ET-TI(10-16) or ET-TI(10-16). Long- Term Care Rider issued on ET-LTC(01-24). NeverStop Wellness Rider issued on ET-WEL(01-24). EquiTrust does not offer investment advice to any individual and this information should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa.
Bridge helps your clients plan for retirement and protect against long-term care expenses — with guaranteed approval1 for LTC coverage.