Smart advisors plan for the inevitable

Paying taxes on annuity gains when long term care can be tax free isn’t just a miss, it’s irresponsible.

Book Your Strategy Call

See How It Works

Trusted by Top IMO’s & BGA’s

Trusted by Top IMO’s & BGA’s

Trusted by Top IMO’s & BGA’s

Same Money. Different Result.

Bridge® by EquiTrust turns taxable annuity gains into tax-free¹ Long-Term Care benefits.

$100,000

Annuity

Withdraw for LTC

Pay taxes on gains

-22% tax

$89,000 net care funds

1035 Exchange to Bridge

Tax-Free LTC benefits

+63% LTC coverage

$145,000 care benefits

* Illustrative representative portfolio

It’s not if, it’s when.

70% of adults over 65

will need LTC services or support*

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

$111K / year

Median annual cost of a nursing-home stay in 2024

…and it keeps rising

* Genworth Financial / CareScout Cost of Care Survey (2024)

For years, long-term care insurance just didn’t fit. It was slow, medical-heavy, and full of “sorry, not eligible” moments.

Bridge® by EquiTrust makes LTC benefits simple: one conversation, no friction.

No Declinations

Every qualified client is approved²

No Declinations

Every qualified client is approved²

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

Tax-Free¹ LTC Benefits

Turn taxable annuity dollars into tax-free care leverage

Tax-Free¹ LTC Benefits

Turn taxable annuity dollars into tax-free care leverage

$10k average commission

Street commission, per case

$10k average commission

Street commission, per case

Bridge® by EquiTrust turns LTC from a hard sell into your easiest client conversation.

See How It Works

Agents Who Plan For The Inevitable

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?

Ride the trend

Hybrid annuity-LTC products are where credible advisors are heading, combining growth, protection, and care in one solution.

Differentiate your offer

Add LTC protection and tax-free care benefits that clients remember, and competitors can’t match.

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

Grow your book

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

Lead the movement

Advisors adopting Bridge today are shaping tomorrow’s standard in retirement planning.

Bridge® by EquiTrust: the fastest-growing LTC annuity hybrid product in the market.

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

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?

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?

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.

Smart advisors plan for the inevitable

Trusted by Top IMO’s & BGA’s

Trusted by Top IMO’s & BGA’s

Trusted by Top IMO’s & BGA’s

Same Money. Different Result.

Bridge® by EquiTrust turns taxable annuity gains into tax-free¹ Long-Term Care benefits.

Bridge® by EquiTrust turns taxable annuity gains into tax-free¹ Long-Term Care benefits.

$100,000

$100,000

$100,000

Annuity

Annuity

Withdraw for LTC

Withdraw for LTC

Pay taxes on gains

-22% tax

-22% tax

$89,000 net care funds

$89,000 net care funds

1035 Exchange to Bridge

1035 Exchange to Bridge

Tax-Free LTC benefits

Tax-Free LTC benefits

+63% LTC coverage

+63% LTC coverage

$145,000 care benefits

$145,000 care benefits

It’s not if, it’s when.

70% of adults over 65

70% of adults over 65

70% of adults over 65

$111K / year

$111K / year

$111K / year

…and it keeps rising

…and it keeps rising

…and it keeps rising

For years, long-term care insurance just didn’t fit. It was slow, medical-heavy, and full of “sorry, not eligible” moments.

For years, long-term care insurance just didn’t fit. It was slow, medical-heavy, and full of “sorry, not eligible” moments.

For years, long-term care insurance just didn’t fit. It was slow, medical-heavy, and full of “sorry, not eligible” moments.

Bridge® by EquiTrust makes LTC benefits simple: one conversation, no friction.

Bridge® by EquiTrust makes LTC benefits simple: one conversation, no friction.

Bridge® by EquiTrust makes LTC benefits simple: one conversation, no friction.

No Declinations

No Declinations

On-the-spot underwriting

On-the-spot underwriting

Tax-Free¹ LTC Benefits

Tax-Free¹ LTC Benefits

$10k average commission

$10k average commission

Bridge® by EquiTrust turns LTC from a hard sell into your easiest client conversation.

Bridge® by EquiTrust turns LTC from a hard sell into your easiest client conversation.

Bridge® by EquiTrust turns LTC from a hard sell into your easiest client conversation.

Agents Who Plan For The Inevitable

The future of annuities is hybrid. Are you in?

Ride the trend

Differentiate your offer

Differentiate your offer

Grow your book

Grow your book

Lead the movement

Lead the movement

Bridge® by EquiTrust: the fastest-growing LTC annuity hybrid product in the market.

Bridge® by EquiTrust: the fastest-growing LTC annuity hybrid product in the market.

Ready to see how Bridge® fits your business?

Ready to see how Bridge® fits your business?

FAQs

Common Questions We Get

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