The only Index Annuity with a new generation Long-Term Care Coverage and Wellness rewards program

The magic combination of a great product, easy process and strong compensation.

* only available through

Start selling today

The only Index Annuity with a new generation Long-Term Care Coverage and Wellness rewards program

The magic combination of a great product, easy process and strong compensation.

* only available through  

Top IMOs distributing Bridge

What’s in it for you?

  • Easy & fast sale: 40 min to sell a policy & 0% declinations
  • Some of the highest compensation on the market
  • Expand your client base: perfect cross sell for your Medicare Advantage or Medicare Supplement clients

What’s in it for your client?

  • A great accumulation product
  • A viable LTC product, no use-it-or-lose-it
  • LTC coverage even if your client is already eligible to go on claim
  • Tax benefits on LTC spend
  • A bespoke wellness rewards program

What’s in it for you?

Easy and fast sale – The entire buying process from application to submission, including underwriting is digital and can be done in less than an hour all from the comfort of your client’s home. With NeverStop we make the entire experience quick and easy.

Top commissions – With NeverStop, you earn one of the highest commissions on the street while helping your clients solve their long term care coverage needs. And because it’s 100% medically guaranteed underwriting, you won’t have any wasted appointments or disappointed clients

Expand your client base – Looking for a way to grow your client base? With NeverStop every client that wants to purchase the product is able to, which means you can show this to every client in your book, even if they’re already claim eligible. You can also cross- sell your medicare clients into NeverStop and extend your relationship with them

What’s in it for your client?

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.

What is Bridge?

Index Annuity

Participate in Market Gains, Not the Losses & provides the opportunity for tax-deferred growth of your premium.

Long-Term Care Rider

Long-Term Care Rider pays tax-free* benefits if you need long-term care services

NeverStop Wellness Rewards Program

Helps your client maintain a healthy, independent lifestyle – with participation incentives

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.

Explore our case studies

Clients who love Bridge

Clients with parents who went through LTC episode recently

When her 91-year-old mother fell and broke both of her wrists, Janelle disrupted her life for weeks, flying across the country at her own expense to take care of her.

Janelle resolved then and there to do whatever she could to avoid ever being a burden to her two adult children. Purchasing LTCI and getting a little more fit seem like a good way to start.

In exploring her LTCI options, Janelle is drawn to hybrid and annuity products, and Bridge’s NeverStop Wellness Rewards program perks her interest. She grows more excited when she discovers that it offers complementary health coaching to start an exercise program that will keep her strong and active and reduce the risk of ever needing LTC at all. “I’m the kind of person who could use a nudge, but don’t want to pay out of pocket for a health coach. Bridge not only checks off all my LTC boxes to protect my estate, but adds the coaching—something I thought I couldn’t afford on my own. Count me in!”

Clients who have been rejected for LTC insurance in the past

“Are you sure I won’t be rejected?” Stan asks his agent several times before deciding to apply for Bridge. Stan, who has advanced diabetes and has already lost a foot to the disease, has been rejected twice in the last ten years. Both times required a lengthy application process, a blood draw, and then a wait for over a month to get the bad news.

“Not only is Bridge 100% medically guaranteed,” says his agent, “but we can get the results in less than an hour, right here in my office, no lab tests required!”

“I can’t quite believe this, but I’m willing to try one more time.” One hour later, Stan receives and signs his offer.

Clients who are looking to benefit from the tax benefit on existing or soon to be LTC expense

For years, Henry has gritted his remaining teeth over the fact that his friend Stu gets to deduct 25% of his LTC premiums from his taxes, in effect getting a tax deduction for in-home care expenses, whereas Henry has to pay out of pocket for several hours of outside help every week to help him bathe, “with no tax deduction, no nothing!”

Why didn’t Henry get LTC insurance, like Stu did? “Because even if I tried 20 years ago, with my asthma and COPD I would have been rejected. The system is stacked against people like me!”

When Stu tells Henry about Bridge and refers him to his agent, Henry makes the call immediately. When the agent confirms Bridge’s 100% guaranteed acceptance, Henry doesn’t require any further persuasion. Purchasing Bridge is a no brainer. Henry already knows to the dollar what his tax credit will be.

Clients who are concerned about aging because of a chronic condition or are super healthy and want to continue to stay that way

Erica, 55 and single, loves her job, her two grown kids, and her condo with river views. Last week she finished her first half marathon. Erica wants the security of long-term care insurance, but she also wants to be encouraged—and rewarded for—taking such good care of her health. She anticipates a long, active retirement.

As soon as Erica learns about Bridge’s NeverStop Wellness Rewards Program, and the ability to earn long-term care credits, her face lights up. She’s even more excited as she learns more about what it includes: personalized coaching, trackable goals, and motivational gifts like the FitBit watch. Bridge Annuity checks off all her boxes. If Erica stays healthy and doesn’t need long-term care, she can cash in on her annuity. If she does need LtC, she’s rewarded for her participation in NeverStop Wellness. Deal!

Explore our case studies

Clients who love Bridge

Clients with parents who went through LTC episode recently.

Clients who have been rejected for LTC insurance in the past

Clients who are looking to benefit from the tax benefit on existing or soon to be LTC expense

Clients who are concerned about aging because of a chronic condition or are super healthy and want to continue to stay that way

Clients with parents who went through LTC episode recently

When her 91-year-old mother fell and broke both of her wrists, Janelle disrupted her life for weeks, flying across the country at her own expense to take care of her.

Janelle resolved then and there to do whatever she could to avoid ever being a burden to her two adult children. Purchasing LTCI and getting a little more fit seem like a good way to start.

In exploring her LTCI options, Janelle is drawn to hybrid and annuity products, and Bridge’s NeverStop Wellness Rewards program perks her interest. She grows more excited when she discovers that it offers complementary health coaching to start an exercise program that will keep her strong and active and reduce the risk of ever needing LTC at all. “I’m the kind of person who could use a nudge, but don’t want to pay out of pocket for a health coach. Bridge not only checks off all my LTC boxes to protect my estate, but adds the coaching—something I thought I couldn’t afford on my own. Count me in!”

Clients who have been rejected for LTC insurance in the past

“Are you sure I won’t be rejected?” Stan asks his agent several times before deciding to apply for Bridge. Stan, who has advanced diabetes and has already lost a foot to the disease, has been rejected twice in the last ten years. Both times required a lengthy application process, a blood draw, and then a wait for over a month to get the bad news.

“Not only is Bridge 100% medically guaranteed,” says his agent, “but we can get the results in less than an hour, right here in my office, no lab tests required!”

“I can’t quite believe this, but I’m willing to try one more time.” One hour later, Stan receives and signs his offer.

Clients who are looking to benefit from the tax benefit on existing or soon to be LTC expense

For years, Henry has gritted his remaining teeth over the fact that his friend Stu gets to deduct 25% of his LTC premiums from his taxes, in effect getting a tax deduction for in-home care expenses, whereas Henry has to pay out of pocket for several hours of outside help every week to help him bathe, “with no tax deduction, no nothing!”

Why didn’t Henry get LTC insurance, like Stu did? “Because even if I tried 20 years ago, with my asthma and COPD I would have been rejected. The system is stacked against people like me!”

When Stu tells Henry about Bridge and refers him to his agent, Henry makes the call immediately. When the agent confirms Bridge’s 100% guaranteed acceptance, Henry doesn’t require any further persuasion. Purchasing Bridge is a no brainer. Henry already knows to the dollar what his tax credit will be.

Clients who are concerned about aging because of a chronic condition or are super healthy and want to continue to stay that way

Erica, 55 and single, loves her job, her two grown kids, and her condo with river views. Last week she finished her first half marathon. Erica wants the security of long-term care insurance, but she also wants to be encouraged—and rewarded for—taking such good care of her health. She anticipates a long, active retirement.

As soon as Erica learns about Bridge’s NeverStop Wellness Rewards Program, and the ability to earn long-term care credits, her face lights up. She’s even more excited as she learns more about what it includes: personalized coaching, trackable goals, and motivational gifts like the FitBit watch. Bridge Annuity checks off all her boxes. If Erica stays healthy and doesn’t need long-term care, she can cash in on her annuity. If she does need LtC, she’s rewarded for her participation in NeverStop Wellness. Deal!

What members say

Clients star rating 4.6
Patricia
71 female, CO
“The Ally who worked with me was very patient and understanding.  She made the process very easy!”
Teal
65 female, WI
“Very patient representative that handled my test this morning.”
Ed
75 male, TN
“I think the process was well done Not as invasive as I thought it was going to be. Thank you and God Bless you all”
David
66 male, FL
“The Ally who worked with me was very patient and understanding.  She made the process very easy!”
Brenda
69, F, SC
“Very easy process”

What agents say

Tom Hegna
CLTC, LUTF, RICP@
“I can't imagine why someone wouldn't want to offer NeverStop to their clients!"
Curtis V. Cloke
CLTC, LUTF, RICP@
“NeverStop changes the conversation of long-term care from fear... to a planning discussion that assures a better quality of life."
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. “
We’ve helped hundreds of agents

Let's find the best way for you to sell Bridge to your clients

Approved in 43 states!

  • Alabama
  • Kentucky
  • North Dakota
  • Alaska
  • Louisiana
  • Ohio
  • Arizona
  • Maine
  • Oklahoma
  • Arkansas
  • Maryland
  • Oregon
  • California
  • Massachusetts
  • Pennsylvania
  • Colorado
  • Michigan
  • Rhode Island
  • Connecticut
  • Minnesota
  • South Carolina
  • Delaware
  • Mississippi
  • South Dakota
  • District of Columbia
  • Missouri
  • Tennessee
  • Florida
  • Montana
  • Texas
  • Georgia
  • Nebraska
  • Utah
  • Hawaii
  • Nevada
  • Vermont
  • Idaho
  • New Hampshire
  • Virginia
  • Illinois
  • New Jersey
  • Washington
  • Indiana
  • New Mexico
  • West Virginia
  • Iowa
  • New York
  • Wisconsin

Approved in 43 states!

View as list

Approved in 43 states!

View as list

FAQs

Frequently asked questions

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

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.

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.

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.

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

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

In order to get appointed, click the link or speak with your insurance back office.

Bridge can be purchased by applicants between 55-80.

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

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