Bridge®

Help clients plan for a secure financial future with Bridge, a fixed index annuity (FIA) with a Long-Term Care Rider and the NeverStop® Health Coaching & Rewards Program.

 

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70% of people turning 65 today will require some type of long-term care services,1 yet less than 15 carriers remain in the standalone long-term care insurance market.2 Bridge helps close the long-term care gap.

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

Clients are assigned a Coverage Ratio that varies by age and underwriting class. It is applied to all premiums received in the first five years. (See calculator tool below.)

LTC coverage is guaranteed not to lapse and there are no ongoing premium payments. LTC Benefit Base grows at 3% 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).

All clients are approved for Bridge LTC benefits if they pass annuity suitability requirements. Underwriting is optional. Clients who bypass underwriting receive Secure (the most conservative) underwriting class. However, clients who participate in underwriting may receive a more favorable rate class of Standard or Preferred, which results in more premium leverage, meaning they receive more LTC benefits for their money. No medical records are required.  

Many applicants receive an underwriting decision right away based on answers to five health questions and automated risk review. Depending on the outcome of the automated risk review, some clients will also need to complete a live 30-minute video underwriting assessment.  

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 NeverStop Health Coaching & Rewards Program, provided in partnership with Assured Allies, offers a personalized wellness plan based on the science of aging, along with support from a dedicated coach who provides guidance and accountability. Participation can help clients potentially reduce LTC expenses, but also earn Wellness Credits to increase LTC coverage. Member perks include resources, offers and discounts.

WELLNESS PROGRAM

NeverStop® Health Coaching & Rewards Program

The NeverStop Health Coaching & Rewards Program, offered in partnership with Assured Allies, is available with every Bridge contract. It's designed to help your clients turn simple daily actions into real, additional long-term care value.

NeverStop empowers clients to stay active, independent and engaged through personalized coaching and science-based wellness strategies. The Benefit Base also increases 3% annually for up to 20 years or until a claim begins, whichever comes first.

Visit NeverStop.com to learn more about the member experience and program features.

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

 

Through NeverStop, clients have access to:

  • ✓A personalized wellness plan based on the science of aging
  • ✓ Support from a dedicated coach who provides guidance and accountability
  • ✓ Recommended daily actions proven to support independence
  • ✓ An online member site to monitor progress and track completed actions
  • ✓ Wellness Credits resulting in real dollars added to LTC coverage for program participation

Because enrollment is automatic with Bridge, your clients simply activate their account to begin. The activation process is easy! Your client will:

  • ✓ Receive a welcome email from NeverStop that includes an activation link
  • ✓ Follow the link to the NeverStop member site to create their personal login and/or schedule a call with a coach
  • ✓ Answer a few quick questions to get their personalized starting point
  • ✓ Select their initial actions and get started earning rewards
i A $100 annual fee is deducted from the Accumulation Value at the beginning of each contract year.

Sparks are rewards clients earn for taking steps designed to help them age well and stay independent. Every Spark earned converts to Wellness Credits — real dollars permanently added to their LTC benefit. Once Wellness Credits are earned, they cannot be taken away, even if the Wellness Rider is terminated.

How do clients earn Sparks?

  • ✓ Complete simple actions through the NeverStop member site
  • ✓ Approximately 10 actions completed over each two-year period = up to 100 Sparks
  • ✓ 100 Sparks = 100% participation = maximum Wellness Credits for that period
  • ✓ Clients work on 1-3 actions at a time and earn Sparks progressively
  • ✓ Even partial completion counts — partial participation results in partial credits
  • ✓ Participation is evaluated at the end of every two-year cycle
  • ✓ Clients can earn Sparks for up to 20 years (10 cycles total)

Personalized insights

  • ✓ Quick assessments to reveal patterns in habits, strengths and barriers
  • ✓ Tailored guidance based on their unique starting point
  • ✓ Insights about what's working and where support is needed

Member site access

  • ✓ Tracking of progress and Sparks accumulation
  • ✓ Reminders and encouragement to keep building momentum
  • ✓ Step-by-step guidance through each action

Coach support

  • ✓ Access to a dedicated coach who understands aging
  • ✓ Personalized guidance based on what each client is working on
  • ✓ Ability to schedule time whenever they want support — no mandatory check-ins

Materials to support your Bridge and NeverStop conversations:

Rates, State Approvals and Variations

Account Options
Current Rate
1-Year Interest
5.00%
S&P 500 1-Year Point-to-Point Cap
9.00%
S&P 500 1-Year Point-to-Point Participation 
50.00%
S&P 500 1-Year Monthly Average Participation
95.00%
Barclays Focus50 1-Year Point-to-Point Participation
180.00%
S&P MARC 5% Excess Return 1-Year Point-to-Point Participation
200.00%
Approved
Approved with Variations
Not Approved
View State Approvals List  View State Variations 

Underwriting

 

Digital Underwriting
with
Guaranteed Approval

Marketing Materials

Agent Materials

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Bridge Agent Guide
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Bridge Financial Professional Underwriting Guide
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Bridge Enhancements Overview
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Bridge User Guide
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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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Case Study - Carol
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Case Study - Derek
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Case Study - Mike
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Bridge Video
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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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NeverStop Program Overview Brochure
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Client Materials

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

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Webinars

Upcoming

Simple daily actions. Meaningful rewards. NeverStop® Health Coaching & Rewards Program

07/29/2026

10:00 AM CT

Register

Replays

New Bridge updates: Simplify and accelerate your Bridge business

Replay

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Building on Bridge® - Enhancements for the new year

Replay

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

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Getting Contracted

EquiTrust products are sold by independent agents who are contracted with us through independent marketing organizations. If you work with a marketing organization, please ask them to help you get contracted with EquiTrust.

If you need help finding a marketing organization or have questions, please call our Sales Support team at 866-598-3694 or click the Getting Contracted button.

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