EquiTrust: Building on Bridge LTC FIA — Enhancements for the New Year

Happy New Year from EquiTrust! Our first resolution is complete — we’ve added powerful enhancements to Bridge.

All the latest

What are the exciting upgrades to Bridge — our innovative fixed index annuity that redefines long-term care (LTC) benefits and successful aging?

• Minimum issue age lowered from 55 to 50
• On the LTC Rider, Benefit Base roll-up increased from 2.00% to 3.00%
• On the LTC Rider, Coverage Ratios now apply to premiums received in years 1-5
• Wellness Credits now based on Benefit Base instead of Net Amount at Risk (NAR)

These enhancements strengthen what already makes Bridge unique:

• Tax-deferred premium growth
• Guaranteed approval(1) for tax-free LTC benefits(2)
• The NeverStop® Health Coaching & Rewards Program

Your go-to Bridge sales hub

Get everything you need to learn about and share Bridge with your clients.

Transition rules

• Bridge enhancements apply to contracts with effective (money) date of January 1, 2026 or after.
• Clients whose applications were submitted before, but whose funds were received on or after January 1, 2026, will receive an upgrade letter with their contract describing the enhancements.

Want to talk about how these Bridge changes expand your client list and enhance the product? Contact: 

Matt Anderson, President
Broadtower Insurance Solutions, Inc.
manderson@broadtowerinsurance.com
(949) 223-6140

(1) Must pass annuity suitability requirements; guarantees based on the claims-paying ability of EquiTrust Life Insurance Company.
(2) Subject to daily IRS maximum; must be used for qualified long-term care services.