Grow Your Clients' Estate Value with LTC Coverage
70% of seniors need long-term care, which costs $100,000 each year. To fulfill your fiduciary duties, trusted financial advisors can’t ignore this predictable threat to your clients’ retirement savings — especially since Medicare and most private health insurance plans don’t cover long-term care expenses.
This creates an opportunity to not only protect, but also grow your client’s assets — securing their financial future and helping them thrive in their senior years.
While traditional LTC insurance has flaws, modern hybrid LTC products offer game-changing benefits. A 1% increase in returns could boost clients’ estate value by nearly 25% over 20 years, but the right LTC solution can double this impact.
That’s where our unique LTC solution comes in – it offers optimal coverage and investment protection, aligning with your mission to secure your clients' financial futures.
It Complements Your Annuities and Investment Offerings
- Contrary to popular belief, Medicare and private health insurance does not cover long-term care
- By educating clients on this overlooked risk, financial advisors can showcase expertise and fulfill fiduciary duties
- Once clients understand this, they quickly grasp the necessity of an LTC product like Bridge
Annual Fees Are Typically Lower Than Alternatives
Annualized charges as a percentage of Accumulation Value after 10 years
Example based on $100,000 premium, issue age 65, max available coverage, preferred UW class. Fees vary by client age, health status, and premium
* LTC Rider charges vary by age and rate class and reduce AV, but do not reduce LTC benefits. For demonstration purposes only. Past performance does not assure future results. Based on $100,000 premium, Preferred risk class, Maximum Coverage Ratio, current illustrated rates for 1-year PTP Cap Account. Illustrated rates used: EquiTrust 6.85%, Carrier A 5.50%, Carrier B 3.50%. The non-guaranteed values shown are based on the current non-guaranteed elements and historical index performance over the most recent 10-year period. Bridge contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(11-21). Long-Term Care Rider issued on ET-LTC(04-22). NeverStop Wellness Rider issued on ET-WEL(11-21). Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. For producer use only
Unmatched Benefits for your Clients
- Delays the need for LTC services via wellness plans, health coaching, and financial rewards for healthy living via the NeverStop program
- Increases LTC coverage with NeverStop participation
- Allows unused LTC funds to become supplemental income or inheritance
It’s an Easy Sell For You
- 100% acceptance for clients aged 55-80 (with minimum $50,000 investment)
- Guaranteed protection against market downturns
- Simple and inclusive underwriting process, where everyone, even those in nursing homes, can get coverage
