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Newswire: Higher LTC benefits available NOW!

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Turn premium dollars into more long-term care benefits

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GUARANTEED LTC BENEFITS More than 3X premium graphic

Higher Coverage Ratios give your clients a reason to celebrate!

  • All Preferred risk classes can now choose LTC benefits of at least 3X premium, and Standard can choose at least 2X premium
  • Higher long-term care (LTC) benefits available for every dollar of premium
  • Increased maximums allow ALL ages and underwriting classes to take advantage of boosted LTC benefits
  • And don't forget — everyone's approved for LTC coverage through Bridge®!

How does the Coverage Ratio work?

Your client selects a Coverage Ratio between 100% and a maximum determined by age and underwriting class. The higher the Coverage Ratio, the higher the LTC benefit. For example, a 65-year old, Preferred class with $100,000 will have a starting LTC Benefit Base of $315,000 when the max Coverage Ratio of 315% is chosen.

Want to see Coverage Ratios for every issue age and underwriting class?

Want to run a quote or learn more about Bridge®?

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Transition rules for pending cases

If you’d like to request a change in Coverage Ratio on a pending case, please contact Sales Support at (866) 598-3694 or [email protected]. We’ll process the change prior to issue and an application amendment will be included for the client to sign at delivery. Changes to inforce Bridge® Coverage Ratios are not allowed. Don't forget to check the Bridge® cases you’re working on now and adjust the selected Coverage Ratios based on these updates.

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Bridge® commission special

Take advantage of our 1% commission special for all Bridge® applications received through June 30, 2023. No threshold, no hurdles, no waiting period.

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Juneteenth closure

EquiTrust offices will be closed on Monday, June 19 to observe Juneteenth, and will reopen on Tuesday, June 20.


If you’d like to talk through a Bridge® case or discuss the new maximum Coverage Ratios, call us at (866) 598-3694.

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Bridge® contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(11-21). Long-Term Care Rider issued on ET-LTC(04-22). NeverStopSM Wellness Rider issued on ET-WEL(11-21). EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. For Producer Use Only. © 2023 EquiTrust Life Insurance. All Rights Reserved.

0375-BRG-EM-NW (06-23)



7100 Westown Pkwy Suite 200
West Des Moines, IA 50266


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