Learn About Bridge

In today's ever-changing landscape of insurance products, EquiTrust brings you Bridge, a groundbreaking solution that reimagines long-term care planning. Bridge is more than just an insurance policy; it's a comprehensive approach to securing your clients' future while providing them with the peace of mind they deserve.

What is Bridge?

Bridge is an innovative insurance solution that combines long-term care coverage, a science-based wellness program, and a fixed index annuity. It's designed to help your clients achieve two primary objectives:
  1. Age Successfully and Live Independently:
    Bridge empowers your clients to maintain their independence and well-being as they age. It offers them the freedom to choose where and how they receive care, whether it's in the comfort of their own homes, an assisted living facility, or a nursing home.
  2. Protect and Grow Their Assets:
    Bridge ensures that your clients' hard-earned assets are protected from the potentially devastating costs of long-term care expenses. With Bridge, they can safeguard their financial future while receiving the care they need.

Integrating Wellness into Long-Term Care: The NeverStop Wellness Program

A cornerstone of the Bridge solution by EquiTrust is the NeverStop Wellness Program, a unique initiative emphasizing proactive health management. This program tailors wellness plans for each client, supported by personal health coaches (Wellness Allies), to enhance overall well-being and independence. Participation not only fosters healthier lifestyles but also rewards clients with Wellness Credits, directly augmenting their Long-Term Care Benefit Base. This innovative approach not only enriches clients' lives but potentially reduces long-term care expenses, making NeverStop a pivotal component in redefining long-term care planning.

Key Features of Bridge

  • Flexibility: Bridge offers your clients flexibility in choosing a Coverage Ratio that aligns with their unique needs and preferences. This allows them to strike the perfect balance between the LTC benefit amount and the growth of the annuity's Accumulation Value.
  • Guaranteed: There are no rejections with Bridge, all clients can get coverage regardless of their medical condition. LTC coverage under Bridge is guaranteed not to lapse, and there are no ongoing premium payments. Your clients can rest assured that their coverage remains intact, even if they don't need LTC services for an extended period.
  • Simplified Underwriting: Underwriting for LTC coverage with Bridge is quick and digital. What's more, no one can be declined, making it accessible to a broad range of clients. Bridge offers three underwriting classes: Secure, Standard, and Preferred, providing options tailored to individual needs.
  • LTC Benefits: LTC benefits under Bridge are tax-free when used for qualified LTC expenses, subject to the daily IRS maximum. Payments are indemnity-based, meaning no receipts are required, and monthly payments begin as soon as your client qualifies for benefits.
  • Wellness Program: Bridge comes with the NeverStop Wellness Program. This science-based program offers a personal health coach, customized Aging Map based on individual health goals and needs and offers clients financial rewards for making healthy lifestyle choices. It also provides access to a personal Wellness Ally for personalized support, helping clients potentially reduce LTC expenses while earning wellness credits to increase LTC coverage.

Why Bridge Matters

Did you know that 70% of people turning 65 today will require some form of long-term care services? Yet, shockingly, 90% of long-term care insurance carriers aren't issuing new policies. Bridge fills this gap by offering a robust solution to your clients' long-term care needs.

With Bridge, your clients can age in place, maintain their financial security, and enjoy a healthier, worry-free future. It's an insurance product that truly transforms the way we approach long-term care planning.

Consultation and Guidance

The consultation process is crucial when selling LTC insurance:
  • Education: Provide comprehensive information about LTC insurance, its benefits, and how it works.
  • Comparative Analysis: Compare multiple LTC policies to help clients choose the one that best fits their needs and budget.
  • Address Concerns: Be prepared to address common concerns, such as the cost of premiums, the likelihood of needing LTC, and the value of the policy.


Bridge is not just an insurance policy; it's a bridge to a secure, healthy future. As an insurance agent, offering Bridge to your clients can be a game-changer. It's a product that addresses the growing demand for long-term care coverage while providing unique benefits and flexibility. Secure your clients' financial future and well-being with Bridge, the revolutionary long-term care solution.