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BRIDGE: Long-Term Care Planning Reimagined

Bringing together long-term care coverage, a science-based wellness program and a Non-Qualified fixed index annuity, Bridge allows your clients to plan for a secure, healthy future.

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What Is <br> Bridge?
What Is
Bridge?
 What Is <br> NeverStop?
What Is
NeverStop?
 Marketing <br> Materials
Marketing
Materials
 Underwriting
Underwriting
 Rates & State <br> Approvals
Rates & State
Approvals
 State <br> Licensure
State
Licensure
 Calculator
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70% of people turning 65 today will require some type of long-term care services,1 yet 90% of long-term care insurance carriers aren’t issuing new policies.2

What is Bridge?

Bridge is an innovative solution designed to help your clients achieve two primary objectives:

  • Age successfully and live independently
  • Protect and grow their assets with benefits to pay for long-term care expenses

Key Features:

Flexibility
Guaranteed
Simplified Underwriting
LTC Benefits
Wellness Program

Your client chooses a Coverage Ratio to help them achieve the optimal balance between LTC benefit amount and growth of the annuity’s Accumulation Value — providing underlying product value even when the client doesn’t need LTC services. The Coverage Ratio can range between 100% of the first-year premium and a maximum determined by age and underwriting class. (See calculator tool below.)

LTC coverage is guaranteed not to lapse and there are no ongoing premium payments. LTC Benefit Base grows at 2% annually for up to 20 years or time of claim, whichever comes first. The LTC benefit amount is determined at time of claim and paid monthly for 60 months until the Benefit Base is zero – even if the Accumulation Value is depleted (assuming no withdrawals).

Underwriting for LTC coverage is quick and digital, and no one can be declined. There are three underwriting classes: Secure, Standard and Preferred. Your client can opt out of underwriting and accept Secure class, or boost their LTC benefit amount if they qualify for Standard or Preferred class. The annuity must pass suitability review.

LTC benefits are tax-free when used for qualified LTC expenses, subject to the daily IRS maximum. Payments are indemnity-based, meaning no receipts are required, and monthly payments begin once your client qualifies for benefits and the claim is approved. Annual certification is required to continue benefit payments. Your client may choose to stop benefit payments to preserve underlying annuity value and can restart based on need.

The robust, science-based NeverStopSM Wellness Program, provided in partnership with Assured Allies, offers a customized Aging Map based on individual health goals and needs, along with access to a NeverStop Ally to provide personal support. Participation can help clients potentially reduce LTC expenses, but also earn wellness credits to increase LTC coverage. Member perks include resources, offers and discounts.

What is NeverStop?

The NeverStopSM Wellness Program by Assured Allies offers your clients access to:

  • A personal Wellness Ally
  • Member website
  • Customized Aging Map
  • Discounts on wellness/aging services
  • Wellness credits that can result in increased LTC benefit amount
  • And more!

See how it can work for your clients!

Testimonials from actual NeverStop participants:

  • Female Age 65  "I lost my husband a little over a year ago to cancer after being his caregiver for a couple of years. This last year has been a whirlwind for me, but I'm ready to start building my social circle back up again. This program came at exactly the right time for me."

  • Female Age 67  "I'm really impressed with NeverStop. The Health Coaches make me feel heard and supported, like they really get me. They listen to what I need and recommend real solutions to help me achieve my health goals."

  • Female Age 68  "I appreciate you ladies calling and checking in as it helps hold people accountable."

88% of adults 50-80 years of age want to age in place.3

Rates and State Approvals

Account Options Current Rate
1-Year Interest 4.50%
S&P 500 1-Year Point-to-Point Cap 8.00%
S&P 500 1-Year Point-to-Point Participation  45.00%
S&P 500 1-Year Monthly Average Participation 80.00%
Barclays Focus50 1-Year Point-to-Point Participation 145.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation 170.00%
Approved Not Approved
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Underwriting

 

Digital Underwriting
with
Guaranteed Approval

Marketing Materials

Agent Materials

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Bridge Agent Guide
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Bridge Agent Underwriting Guide
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Bridge Underwriting What to expect
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Bridge User Guide
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Maximum Bridge Coverage Ratios
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Bridge Prospecting & Funding Opportunities
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Bridge AV vs LTC Benefit Base Flyer
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Bridge Top Takeaways Flyer
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Case Study: Derick
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Case Study: Gerald
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Case Study: Richard & Robin
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Case Study: Janelle
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Bridge Video
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NeverStop Wellness Program Video
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Underwriting Video - client approved
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Bridge Explanation of Fees
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Bridge Higher Net Rate Flyer
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Immediate tax-free LTC benefits
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Bridge Quick Hits Agent Flyer
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LTC Annuity Sales Presentation
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Client Materials

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Licensing and continuing education (CE) requirements by state

Because of the long-term care component of Bridge, most states require a health line of authority and/or continuing education in order to solicit Bridge. 

Learn More
The Bridge Quick Calculator is currently undergoing necessary maintenance. Please check back in a few minutes.

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Webinars

Upcoming

No webinars are scheduled currently. Please check back for updates.

Replays

Bridge — Guaranteed approval for LTC benefits

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LTC annuities - The missing piece

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Bridge - Clear-cut advantages over traditional LTC insurance

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Bridge - Simple tools to help you make the sale

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Bridge Assured Digital Underwriting - What Clients Can Expect

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How can clients build Bridge Wellness Credits

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Bridge by EquiTrust - You Have Questions, We Have Answers

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Bridge Case Study - Meet David

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Bridge Prospecting and Funding Opportunities

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Caregiving & Bridge - The challenge and solution

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A deep dive into the Bridge Long-Term Care Rider

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Bridge technology - Helping you go to market & meet client needs

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Ready to add Bridge to your client’s long-term care strategy?

Access client information, run an illustration, fill out your application and learn more about underwriting.

 

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