Skip to main content

Sales Week: Have Clients with Trouble Getting LTC Underwriting Approval?

Salesweek header image


Help clients beat the stats

If you’re like most agents, you have clients who have been declined underwriting for

long-term care (LTC) insurance due to health issues.

It’s Long-Term Care Awareness Month, the perfect time to talk to clients about planning for their LTC needs.

In fact: 

  • Less than half (42%) of applicants age 60-69 qualify for traditional coverage.1
  • That number decreases with age — only 24% of applicants age 70-79 qualify.1

Bridge can help you fill the coverage gap for your clients. It combines an index-linked annuity and LTC benefits, plus a personalized wellness program. 

100% guaranteed issue

With Bridge, underwriting for LTC coverage is quick and digital, and no one will 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. And no medical or prescription records are required. The annuity must pass suitability review.

Use this agent-use-only case study to see how Bridge can work for clients who may be or have been declined for other LTC coverage and/or are currently planning to self-insure.

Index Annuities Eliminate The Stress Flyer

Want to get all the ins and outs of Bridge? Visit the Bridge microsite today.


Happy Thanksgiving! EquiTrust offices will be closed from Wednesday, Nov. 23 at
2 p.m. CST through Friday, Nov. 25 to observe the holiday.  


We’ve extended our MarketPower Bonus and MarketTen Bonus 9% Rollup Rate special offer through Dec. 31, 2022.


To get a customized quote or talk through a case, call (866) 598-3694.

EquiTrust logo
NAFA logo

Active Member


1. “Long-term care insurance health qualifications. Are you even insurable?”; American Association for Long-Term Care Insurance;; viewed 11/14/2022.


Contract issued on Form Series ICC12-ET-EIA-2000(11-21) or ET-EIA-2000(12-21). Riders issued on ICC17-ET-FIXED-MVA(02-17); ICC18-430-NHW(06-18) or 430- NHW(08-03); ICC16-ET-TI(10-16) or ET-TI(10-16). Long-Term Care Rider issued on ET-LTC(04-22). NeverStop 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 and issued by EquiTrust Life Insurance Company, West Des Moines, Iowa. Products distributed by EquiTrust Insurance Marketing Services; in California doing business as EQT Insurance Marketing Services. For Producer Use Only. © 2022 EquiTrust Life Insurance. All Rights Reserved.




7100 Westown Pkwy Suite 200
West Des Moines, IA 50266

scroll to top of page