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

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

You help clients protect their income - but what about their care?

You help clients protect their income - but what about their care?

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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

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

Effect of adverse scenarios on annual spending power for a representative portfolio
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, LTC insurance just didn’t fit. That’s finally changed -

Meet Bridge by Equitrust

A FIA with an LTC Rider

A FIA with an LTC Rider

A FIA with an LTC Rider

Guaranteed Issue, No Rejections

Every qualified client is approved

Guaranteed Issue, No Rejections

Every qualified client is approved

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

Transform Your Business

Average Commission of $10K
Average Commission of $10K

Boost your average commission and maximize every sales opportunity.

Boost your average commission and maximize every sales opportunity.

Raise Your Closing Ratio

Raise Your Closing Ratio

 Stop watching leads walk away. Offer something that makes you stand out - and makes clients act.

Stop watching leads walk away. Offer something that makes you stand out - and makes clients act.

Run Smarter, Not Harder

Run Smarter, Not Harder

Make your marketing budget work harder by converting more of the traffic and leads you already have.

Make your marketing budget work harder by converting more of the traffic and leads you already have.

Ready to Increase Your Close Rate and Grow Your Income?

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 it really 100% medically guaranteed?

Yes, Bridge Annuity by EquiTrust Life Insurance Company is 100% medically guaranteed and offers 3 classes of underwriting preferred, standard and secure which allows every applicant to purchase a policy.

Is there a field underwriting guide?

No there isn’t.  Because Bridge offers a medically guaranteed underwriting class, 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 EQT?

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.

Who are NeverStop and Bridge by EquiTrust and how do they all work together?

Bridge by EquiTrust, and NeverStop by Assured Allies have joined forces to offer innovative aging and long-term care solutions through a unique product that merges financial security and wellness support in the retirement phase of life so people can age optimally.

  1. Bridge by EquiTrust: A fixed index annuity with long-term care benefits and NeverStop’s wellness rewards program and underwriting services.

  2. NeverStop: The wellness rewards program developed by Assured Allies provides digital underwriting services and offers personalized health coaching and incentives, designed to enhance long-term care benefits through active participation.

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 it really 100% medically guaranteed?

Yes, Bridge Annuity by EquiTrust Life Insurance Company is 100% medically guaranteed and offers 3 classes of underwriting preferred, standard and secure which allows every applicant to purchase a policy.

Is there a field underwriting guide?

No there isn’t.  Because Bridge offers a medically guaranteed underwriting class, 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 EQT?

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.

Who are NeverStop and Bridge by EquiTrust and how do they all work together?

Bridge by EquiTrust, and NeverStop by Assured Allies have joined forces to offer innovative aging and long-term care solutions through a unique product that merges financial security and wellness support in the retirement phase of life so people can age optimally.

  1. Bridge by EquiTrust: A fixed index annuity with long-term care benefits and NeverStop’s wellness rewards program and underwriting services.

  2. NeverStop: The wellness rewards program developed by Assured Allies provides digital underwriting services and offers personalized health coaching and incentives, designed to enhance long-term care benefits through active participation.

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 it really 100% medically guaranteed?

Yes, Bridge Annuity by EquiTrust Life Insurance Company is 100% medically guaranteed and offers 3 classes of underwriting preferred, standard and secure which allows every applicant to purchase a policy.

Is there a field underwriting guide?

No there isn’t.  Because Bridge offers a medically guaranteed underwriting class, 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 EQT?

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.

Who are NeverStop and Bridge by EquiTrust and how do they all work together?

Bridge by EquiTrust, and NeverStop by Assured Allies have joined forces to offer innovative aging and long-term care solutions through a unique product that merges financial security and wellness support in the retirement phase of life so people can age optimally.

  1. Bridge by EquiTrust: A fixed index annuity with long-term care benefits and NeverStop’s wellness rewards program and underwriting services.

  2. NeverStop: The wellness rewards program developed by Assured Allies provides digital underwriting services and offers personalized health coaching and incentives, designed to enhance long-term care benefits through active participation.

What's the average commission for a Bridge policy?

The average commission per policy is $10k.

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Book Your Strategy Call Today

Book Your Strategy Call Today