The Bridge® FIA from EquiTrust Life Insurance Company is an innovative solution designed to help clients age successfully, protect their assets, and secure long‑term care benefits—all within one powerful product. With built‑in long‑term care (LTC) benefits and the unique NeverStop® wellness program, Bridge bridges the gap between financial security and holistic health support.
As a flexible‑premium fixed index annuity with LTC benefits, Bridge gives agents a competitive edge in a crowded marketplace—offering a product that stands apart from traditional LTC insurance and standard FIAs.
Why Agents Choose Bridge®
1. A Differentiated, All‑In‑One Solution
Bridge combines FIA accumulation potential with tax‑advantaged LTC benefits and a science‑based wellness program, offering a value proposition that few carriers can match.
2. Guaranteed Issue Underwriting
No client can be declined for coverage—Bridge offers three underwriting classes, including a guaranteed-issue Secure class, creating opportunities for clients who may not qualify for traditional LTC solutions.
3. Strong Sales Story with Multiple Value Drivers
Agents can position Bridge as:
- A tax‑efficient way to cover LTC costs
- A principal‑protected annuity
- A wellness‑enhancing program that can increase benefits through participation
4. Flexible Funding Options
Bridge accepts Non‑Qualified funds, with the opportunity to leverage 1035 exchanges to turn taxable gains into tax‑free LTC benefits.
5. Indexed Growth with Multiple Strategies
Agents can align clients with several indexing options—including S&P 500, Barclays Focus50, and S&P MARC 5%—as well as fixed‑rate strategies.
Why Clients Love Bridge®
1. LTC Benefits Without the Complexity
Bridge provides LTC benefits that are:
- Tax‑free for qualified LTC expenses
- Indemnity‑based (no receipts required)
- Paid for up to 60 months even if the annuity value is depleted (assuming no withdrawals).
2. Guaranteed Coverage and Predictability
Clients enjoy:
- Guaranteed LTC coverage that cannot lapse
- A 3% annual LTC Benefit Base increase for up to 20 years
- The ability to choose the Coverage Ratio that fits their goals
3. Aging Successfully with NeverStop®
The NeverStop® Wellness Program gives clients personalized lifestyle guidance, health coaching, and even opportunities to earn additional LTC benefits through participation. This creates a unique incentive to stay healthy while building long‑term protection.
4. Growth Potential with Downside Protection
Because Bridge is a fixed index annuity, clients gain market‑linked crediting potential with no downside market risk, making it attractive for conservative investors seeking both accumulation and protection.
5. Flexibility and Control
Clients can:
- Add premium anytime to increase benefits (within product limits)
- Access 10% penalty‑free withdrawals annually
- Use Bridge as part of IRA, Roth, SEP, SIMPLE, and non‑qualified strategies
The Bridge® Advantage in Today’s LTC Landscape
With 70% of Americans turning 65 expected to need long‑term care and only a small number of LTC carriers still active in the standalone market, Bridge offers a modern, comprehensive way to prepare for rising costs.
Average monthly LTC costs continue to climb:
- $9,034 – Private nursing home room
- $7,908 – Semi‑private room
- $5,148 – Home health aide
- $4,500 – Assisted living
Bridge helps clients protect themselves from these increasing financial risks, all while maintaining asset security and long‑term independence.
Position Bridge® as the Solution Your Clients Need
For agents seeking a competitive, client‑centered FIA with unmatched LTC value, Bridge stands out:
- Tax‑advantaged LTC protection
- Growth potential & principal protection
- Guaranteed issue options
- A wellness‑first benefits engine
- No waiting period
- Indemnity‑based payouts
- Multiple indexing strategies
- Flexible premium options
It’s an ideal solution for clients who want to protect their retirement lifestyle, ensure long‑term independence, and maximize the benefit of their non‑qualified assets.
Helpful EquiTrust Links for Agents
EquiTrust Agent Portal
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Access PortalEquiTrust Bridge® Agent Gateway (Marketing & Sales Tools)
A resource hub for learning, marketing, and selling Bridge®
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Disclaimer – This material is for informational and example purposes only and is not a contract. Product features, benefits, rates, underwriting guidelines, and availability are subject to change at any time without notice. For the most current and complete details, please refer to official EquiTrust documentation and resources.