Clients with parents who went through LTC episode recently

When her 91-year-old mother fell and broke both of her wrists, Janelle disrupted her life for weeks, flying across the country at her own expense to take care of her.

Janelle resolved then and there to do whatever she could to avoid ever being a burden to her two adult children. Purchasing LTCI and getting a little more fit seem like a good way to start.

In exploring her LTCI options, Janelle is drawn to hybrid and annuity products, and Bridge’s NeverStop Wellness Rewards program perks her interest. She grows more excited when she discovers that it offers complementary health coaching to start an exercise program that will keep her strong and active and reduce the risk of ever needing LTC at all. “I’m the kind of person who could use a nudge, but don’t want to pay out of pocket for a health coach. Bridge not only checks off all my LTC boxes to protect my estate, but adds the coaching—something I thought I couldn’t afford on my own. Count me in!”

Clients who have been rejected for LTC insurance in the past

“Are you sure I won’t be rejected?” Stan asks his agent several times before deciding to apply for Bridge. Stan, who has advanced diabetes and has already lost a foot to the disease, has been rejected twice in the last ten years. Both times required a lengthy application process, a blood draw, and then a wait for over a month to get the bad news.

“Not only is Bridge 100% medically guaranteed,” says his agent, “but we can get the results in less than an hour, right here in my office, no lab tests required!”

“I can’t quite believe this, but I’m willing to try one more time.” One hour later, Stan receives and signs his offer.

Clients who are looking to benefit from the tax benefit on existing or soon to be LTC expense

For years, Henry has gritted his remaining teeth over the fact that his friend Stu gets to deduct 25% of his LTC premiums from his taxes, in effect getting a tax deduction for in-home care expenses, whereas Henry has to pay out of pocket for several hours of outside help every week to help him bathe, “with no tax deduction, no nothing!”

Why didn’t Henry get LTC insurance, like Stu did? “Because even if I tried 20 years ago, with my asthma and COPD I would have been rejected. The system is stacked against people like me!”

When Stu tells Henry about Bridge and refers him to his agent, Henry makes the call immediately. When the agent confirms Bridge’s 100% guaranteed acceptance, Henry doesn’t require any further persuasion. Purchasing Bridge is a no brainer. Henry already knows to the dollar what his tax credit will be.

Clients who are concerned about aging because of a chronic condition or are super healthy and want to continue to stay that way

Erica, 55 and single, loves her job, her two grown kids, and her condo with river views. Last week she finished her first half marathon. Erica wants the security of long-term care insurance, but she also wants to be encouraged—and rewarded for—taking such good care of her health. She anticipates a long, active retirement.

As soon as Erica learns about Bridge’s NeverStop Wellness Rewards Program, and the ability to earn long-term care credits, her face lights up. She’s even more excited as she learns more about what it includes: personalized coaching, trackable goals, and motivational gifts like the FitBit watch. Bridge Annuity checks off all her boxes. If Erica stays healthy and doesn’t need long-term care, she can cash in on her annuity. If she does need LtC, she’s rewarded for her participation in NeverStop Wellness. Deal!