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EquiTrust Bridge Opens Doors to More Client Conversations.
And having more client conversations is key to the success of your business.
Bridge offers:
- 100% guaranteed medical acceptance
- No exclusions for applicants already receiving care assistance
- Indemnity benefits for the freedom to use payments as needed
- A minimum level of long-term care coverage
- A quick and easy digital underwriting process
- 10% account value withdrawals available in all years
It’s an innovative product that bridges two important objectives for clients thinking about longevity and retirement.
Product Overview
Bridge is a flexible premium, guaranteed issue fixed index deferred annuity that includes a rider for long-term care benefits and the NeverStop Wellness Rewards program.
It’s an innovative product that bridges two important objectives for clients thinking about longevity and retirement.
- Having an active and independent lifestyle for as long as possible, and
- Protecting and growing assets to meet retirement income needs, including paying for long-term care
Access the entire suite of EquiTrust materials here.
Approved in 43 States!
The Underwriting Advantage
Bridge offers a flexible and easy underwriting process for you and your clients.
- 3 Classes
- Preferred or Standard for healthy clients that complete the full underwriting process
- Secure for those that want to bypass underwriting altogether or are medically uninsurable
- 30-minute, digital assessment process, done from the comfort of your client’s home
- The risk class is determined by the cumulative findings of several factors including,
- Answers to the application health questions,
- Performance scores on the Assured Allies NeverStop physical and cognitive tests, and
- Third party electronic health data (e.g., medical claims, prescriptions and labs when available and applicable).
Index annuity
Your clients reap the benefits of market gains & protection from the losses
Bridge’s index annuity contract from EquiTrust Life Insurance Company gives your client the benefits when markets are rising, and protection when they’re fluctuating. It's simple and customizable so they can choose the account that best suits their needs with all options protecting them from market risk.
The policy has been designed to benefit both you and your client. Each year your client can earn benefits on their anniversary i.e. "index credits", which both give them account growth and provide an additional touchpoint for you to strengthen your relationship with them. If their selected index continues to grow, their annuity account value grows. If the index declines, their account value is reduced only by the fees for Long-Term Care Rider and NeverStop Wellness Program.
At the end of the surrender charge period, your client has access to their annuity’s account value with no surrender charges. If they choose to keep the money in the contract beyond the surrender charge period, your client can continue to earn interest and "index credits" on a tax-deferred basis, as well as protection with the Long-Term Care Rider.
The index annuity never exposes the client’s principal to market risk. They share only in index gains, not the losses. And they benefit from tax-deferred earnings, withdrawal privileges and built-in guarantees – all without investing directly in the stock market.
Your client can choose between several accounts. The 1-Year Interest Account earns a traditional interest rate, and a variety of Index Accounts that earn credits based on changes in either the S&P 500® or custom, risk-controlled indexes: Barclays Focus50 IndexTM and the S&P MARC 5% Excess Return Index.
Long term care rider
Say Goodbye to "use it or lose it"
NeverStop is an innovative wellness rewards program that offers your clients personal health coaching, financial rewards and the opportunity to earn increased LTC benefits.
It was designed to keep them healthier and reduce their LTC needs. The program includes assessments, personalized action plans and Wellness Credits every 2 years for up to 20 years. Your client’s earnings are in direct proportion to their participation, so the more they try to stay healthy, the more they earn. Wellness Credits are added to the Long-Term Care Benefit Base at time of claim to increase the amount of LTC benefit.
Wellness rewards program
Your clients earn for taking steps to be healthy
NeverStop is an innovative wellness rewards program that offers your clients personal health coaching, financial rewards and the opportunity to earn increased LTC benefits.
It was designed to keep them healthier and reduce their LTC needs. The program includes assessments, personalized action plans and Wellness Credits every 2 years for up to 20 years. Your client’s earnings are in direct proportion to their participation, so the more they try to stay healthy, the more they earn. Wellness Credits are added to the Long-Term Care Benefit Base at time of claim to increase the amount of LTC benefit.
Learn more about the Underwriting process.