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Annuities

Prepare for life’s what-ifs with Bridge®

Hybrid fixed index annuity with long-term care benefits

Coverage to help you manage long-term care costs

Bridge is a fixed index annuity (FIA) with a Long-Term Care Rider and the NeverStop® Health Coaching & Rewards Program.

It provides long-term care benefits when you need them, and retirement savings growth when you don’t. Plus, NeverStop can help you turn proven insights into simple, guided actions for aging well — all while earning additional dollars toward your long-term care benefits.

  • 70% of people turning 65 will require long-term care at some point.1
    Bridge can help you be prepared for the possibility that you need LTC services in your lifetime.

How does Bridge work?

Fixed index annuity provides the opportunity for tax-deferred growth of your premium

Long-Term Care Rider pays tax-free2 benefits for qualified long-term care services3

NeverStop, offered in partnership with Assured Allies, helps you age well and earn additional LTC benefits.

Bridge features

  • Guaranteed4 LTC coverage with a single premium payment — everyone is approved
  • Opportunity for premium to grow if long-term care benefits are not needed
  • Flexibility to add premiums at any time to increase your coverage
  • The advantage of a Coverage Ratio applied to all premiums in the first five years to increase your LTC benefits
  • Benefits payable when claim conditions are met — without submission of receipts or invoices

Ready to talk about your financial needs and goals? 

Connect with EquiTrust

1 How Much Care Will You Need?”; U.S. Department of Health and Human Services; April 29, 2022; https://www.hhs.gov/aging/long-term-care/index.html

2 Long-term care benefits are typically tax-free under Internal Revenue Code Section 7702B. Generally, the maximum tax-free long-term care benefit payable from all coverage on the same insured is limited to the greater of actual qualified long-term care expenses or the per diem rate established by the IRS.

3 EquiTrust Life Insurance Company cannot give legal, tax or accounting advice. Your personal tax advisor can provide important information with respect to the purchase of this annuity contract and its taxation.

4 Must pass annuity suitability requirements. Guarantees based on the claims-paying ability of EquiTrust Life Insurance Company.

Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. Bridge contract issued on Form Series ICC12-ET-EIA-2000(01-12) 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(01-24). NeverStop Wellness Rider issued on ET-WEL(01-24).