An Annuity without Long-Term Care is only half the story.

An Annuity without Long-Term Care is only half the story.

You’ve protected your client’s retirement. One risk can still wipe it out.

You’ve protected your client’s retirement. One risk can still wipe it out.

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“No plan is complete without accounting for Long Term Care, and it is the one thing most people forget about that can completely wipe out their portfolio."

“No plan is complete without accounting for Long Term Care, and it is the one thing most people forget about that can completely wipe out their portfolio."

Tom Hegna
CLU, CHFC, CASL

Trusted by Top IMO’s & BGA’s
Trusted by Top IMO’s & BGA’s
Trusted by Top IMO’s & BGA’s

The smartest advisors know:
Most retirement portfolios miss the biggest risk.

Impact of adverse scenarios on the average retiree's annual spending power
10% Inflation Shock
10% Inflation Shock
20% Market Downturn
LTC Event
LTC Event

-$6,188

-$6,188

-$10,520

-$10,520

-$24,359

-$24,359

* This analysis is informed by U.S. Bureau of Labor Statistics data on income and spending in retirement. The representative LTC event reflects national average LTC costs of care. Industry standard assumptions for inputs such as market growth and cost inflation are used.

The need for LTC insurance is a HUGE untapped market. Are you prepared to meet it?

70% of adults over 65 will need LTC services or support*

70% of adults over 65 will need LTC services or support*

70% of adults over 65 will need LTC services or support*

Be there for your clients with truly holistic retirement planning that deepens relationships.

Be there for your clients with truly holistic retirement planning that deepens relationships.

* U.S. Department of Health and Human Services, Administration for Community Living; https://acl.gov/Itc/basic-needs/how-much-care-will-you-need

* U.S. Department of Health and Human Services, Administration for Community Living; https://acl.gov/Itc/basic-needs/how-much-care-will-you-need

For years, Long-Term Care insurance just didn’t fit. That’s finally changed -

Meet Bridge® by EquiTrust

A fixed index annuity with long term care benefits

A fixed index annuity with long term care benefits

A fixed index annuity with long term care benefits

No Declinations

Every qualified client is approved¹

No Declinations

Every qualified client is approved¹

Use-it-or-don’t-lose-it design

Your savings are yours whether you need LTC or not

Use-it-or-don’t-lose-it design

Your savings are yours whether you need LTC or not

On-the-spot underwriting

One live conversation to get a decision, no medical records required

On-the-spot underwriting

One live conversation to get a decision, no medical records required

$10k average commission

Street commission, per case

$10k average commission

Street commission, per case

Book Your Strategy Call

Testimonials

Trusted By Leading Experts

Jim Silbernagel
CFP, LUTCF

“NeverStop is an industry innovator. [They have] developed an outside-the-box solution that will differentiate you from the competition and endear you to your clients.”

Tom Hegna
CLU, CHFC, CASL

“This product gives financial professionals the opportunity to deliver tremendous immediate and long-term value to their clients by combining the benefits of a wellness program with long-term care coverage.”

Chris Cox
Certified Senior Advisor (CSA)

“This product gives you the opportunity to thrive, to bring something to the table that other people are not bringing.”

Everything You Need To Start Selling

Ready to Go?

Ready to Go?

Marketing Tools

Help clients visualize the benefits and see why protecting their future is easier - and more rewarding - than they think.

Business Coaching & Strategy

We help you focus on real KPIs, repeatable systems, and long-term growth - not just gut instincts.

Turnkey LTC Workshop*

Host your own high-impact client education event - re-engage past leads or introduce a fresh message to new prospects.

* Available upon request

Access Our Tools

Access Our Tools

Book Your Strategy Call

Book Your Strategy Call

FAQs

Common Questions We Get

How quick is underwriting?

The underwriting session is designed to to take approximately 30 minutes from start to finish.

What should my clients expect during the underwriting session?

The underwriting session is done via a video call with the applicant being asked to perform a short series of physical and cognitive tests. This test is designed to last on average 30 minutes.

Is approval for Bridge long-term care coverage guaranteed?

Yes, with Bridge by EquiTrust, everyone is approved for long-term care coverage*. And Bridge offers three underwriting classes, Preferred, Standard and Secure), allowing every applicant to purchase a contract if they meet annuity suitability requirements.

Is there a field underwriting guide?

No there isn’t.  Because Bridge offers guaranteed approval for long-term care coverage*, all applicants are encouraged to apply, regardless of current or past medical conditions.

I have questions. Who can I speak with?

Click here to speak with Norm Levy, the NeverStop business leader who can answer all of your sales, distribution and product questions. 

How do I get appointed with EquiTrust?

In order to get appointed to sell Bridge, click on this link.

What are the min/max ages I can sell this to a client?

Bridge can be purchased by applicants between 55-80.

What states is this available in?

Bridge is currently available in 43 states and the District of Columbia. For the updated list, click here.

What's the average commission for a Bridge policy?

The average commission per policy is $10k.

How quick is underwriting?

The underwriting session is designed to to take approximately 30 minutes from start to finish.

What should my clients expect during the underwriting session?

The underwriting session is done via a video call with the applicant being asked to perform a short series of physical and cognitive tests. This test is designed to last on average 30 minutes.

Is approval for Bridge long-term care coverage guaranteed?

Yes, with Bridge by EquiTrust, everyone is approved for long-term care coverage*. And Bridge offers three underwriting classes, Preferred, Standard and Secure), allowing every applicant to purchase a contract if they meet annuity suitability requirements.

Is there a field underwriting guide?

No there isn’t.  Because Bridge offers guaranteed approval for long-term care coverage*, all applicants are encouraged to apply, regardless of current or past medical conditions.

I have questions. Who can I speak with?

Click here to speak with Norm Levy, the NeverStop business leader who can answer all of your sales, distribution and product questions. 

How do I get appointed with EquiTrust?

In order to get appointed to sell Bridge, click on this link.

What are the min/max ages I can sell this to a client?

Bridge can be purchased by applicants between 55-80.

What states is this available in?

Bridge is currently available in 43 states and the District of Columbia. For the updated list, click here.

What's the average commission for a Bridge policy?

The average commission per policy is $10k.

How quick is underwriting?

The underwriting session is designed to to take approximately 30 minutes from start to finish.

What should my clients expect during the underwriting session?

The underwriting session is done via a video call with the applicant being asked to perform a short series of physical and cognitive tests. This test is designed to last on average 30 minutes.

Is approval for Bridge long-term care coverage guaranteed?

Yes, with Bridge by EquiTrust, everyone is approved for long-term care coverage*. And Bridge offers three underwriting classes, Preferred, Standard and Secure), allowing every applicant to purchase a contract if they meet annuity suitability requirements.

Is there a field underwriting guide?

No there isn’t.  Because Bridge offers guaranteed approval for long-term care coverage*, all applicants are encouraged to apply, regardless of current or past medical conditions.

I have questions. Who can I speak with?

Click here to speak with Norm Levy, the NeverStop business leader who can answer all of your sales, distribution and product questions. 

How do I get appointed with EquiTrust?

In order to get appointed to sell Bridge, click on this link.

What are the min/max ages I can sell this to a client?

Bridge can be purchased by applicants between 55-80.

What states is this available in?

Bridge is currently available in 43 states and the District of Columbia. For the updated list, click here.

What's the average commission for a Bridge policy?

The average commission per policy is $10k.

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Stand Out.

Book Your Strategy Call Today

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© 2025 Longevity Planners Insurance Agency, LLC. All Rights Reserved.

¹Must pass annuity suitability requirements. Guarantees based on the claims-paying ability of EquiTrust Life Insurance Company. Bridge contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(12-21). Long-Term Care Rider issued on ET-LTC(01-24). NeverStop Wellness Rider issued on ET-WEL(01-24). Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. 2778-BRG-LP-EXT-11-25

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