Bridge® by EquiTrust, is a flexible-premium, fixed index deferred annuity with Long-Term Care Rider and Wellness Program for Non-Qualified funds only.
- Three LTC underwriting classes: Preferred, Standard and Secure.
- 100% underwriting approval for LTC rider.
- Benefits are paid on indemnity basis. No need to submit receipts. To be eligible for benefit payments, your client needs to prove loss of two ADLs and have a plan of care from a physician.
- LTC Benefit Base grows 2% compounded yearly**.
- Leverage - your client gets additional dollars towards the LTC benefit based on underwriting. For example a 65 year old that puts in $100,000 and qualifies as Preferred would immediately have $315,000 of LTC Benefit Base value.***
- Attached to a Fixed Index Annuity. Because of this and very strong rates, the client has the potential for significant growth. If your client never needs the LTC benefit, they can use the annuity's Accumulation Value.
- Tax-deferred growth and helps avoid probate at death.****
- Optional wellness program helps your clients age healthier and hopefully avoid the need for LTC services altogether. By participating, they will also earn additional dollars added to their LTC benefit base at time of claim.
Fill out the form or call 800.852.7152 for more information!
* Must pass suitability requirements
** For 20 years or until time of claim, whichever comes first
***Coverage Ratio 315%; before vesting
****Subject to IRS daily maximum
Products are underwritten and issued by EquiTrust Life Insurance Company, West Des Moines, IA.
Contract issued on Form Series ICC12-ET-EIA-2000(01-12) or ET-EIA-2000(11-21). Riders issued on ICC17-ET-FIXED[1]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 ETWEL(11-2).
For agent use only. Not for use with the general public.
0473-BRG-EM-EXT-06-23
