Long-Term Care Insurance was broken. Until now.

Long-Term Care Insurance was broken. Until now.

An annuity with long-term care coverage is a smarter choice: On-the-spot underwriting. No receipts for claims. Use it or don’t lose it.

An annuity with long-term care coverage is a smarter choice: On-the-spot underwriting. No receipts for claims. Use it or don’t lose it.

Book a Strategy Call

Book a Strategy Call

See How It Works

See How It Works

No declinations*

No declinations*

Instant decision

Instant decision

$10K avg. commission

$10K avg. commission

* Must pass annuity suitability requirements.

“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

Finally, A Product That Sells Itself

Meet Bridge® by EquiTrust

A fixed indexed annuity with a Long-Term Care rider - faster, simpler, and more rewarding for you and your clients.

A fixed indexed annuity with a Long-Term Care rider - faster, simpler, and more rewarding for you and your clients.

A fixed indexed annuity with a Long-Term Care rider - faster, simpler, and more rewarding for you and your clients.

Comparison Table

Old LTC Insurance

Old LTC Insurance

Bridge by EquiTrust

Bridge by EquiTrust

Underwriting

Medical exams, records, and long waits

On-the-spot approval*, no medical records required

Eligibility

Frequent health-based declines

No declinations*

Client Experience

Use-it-or-lose-it benefits that expire

“Use it or don’t lose it”: clients keep their money if care is not needed

Claims Payout

Reimbursement receipts required

Cash benefits, no receipts for claims

Value Add for Clients

None

Wellness rewards that grow LTC benefits

Agent Experience

Complex & frustrating sales process

Simple conversation, ~$10 K avg. commission

* Must pass annuity suitability requirements.

Bridge® fixed what broke traditional LTC insurance - and turned it into an easier, faster annuity sale.

Book a Strategy Call

Book a Strategy Call

Trusted By Leading Experts

Jim Silbernagel
CFP, LUTCF

“[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.”

The future of annuities is hybrid. Are you in?

The shift is already happening. Advisors using Bridge are closing faster, adding more value, and building stronger client relationships.

The shift is already happening. Advisors using Bridge are closing faster, adding more value, and building stronger client relationships.

The shift is already happening. Advisors using Bridge are closing faster, adding more value, and building stronger client relationships.

Frictionless experience

On-the-spot underwriting, no medical records, smooth client flow

Frictionless experience

On-the-spot underwriting, no medical records, smooth client flow

Differentiate your offer

Add care protection and wellness rewards. Clients remember it

Differentiate your offer

Add care protection and wellness rewards. Clients remember it

Grow your book

Bigger cases, same clients, steady $10 K average commissions

Grow your book

Bigger cases, same clients, steady $10 K average commissions

Lead the movement

Hybrid annuities are becoming the new standard for credible advisors

Lead the movement

Hybrid annuities are becoming the new standard for credible advisors

Book Your Strategy Call

Ready to see how Bridge fits your business?

Talk to a Longevity Planners specialist - no pressure, no fluff. Just a quick walkthrough of how agents like you are winning with Bridge.

Book a Strategy Call

Book a Strategy Call

Access Agent Starter Kit

Access Agent Starter Kit

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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Earn More.
Stand Out.

Book Your Strategy Call Today

Book Your Strategy Call Today

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

* Must 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. 2776-BRG-LP-EXT-11-25

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