Option 1
Traditional LTC insurance
You pay premiums for coverage you may never use, and if you never need care, that money is generally gone. Health underwriting is also stringent, and applicants can be declined, especially if health has changed.
For adults 55 to 75 with $50,000+ in savings or investable assets
Keep control of your money and prepare for long-term care
Most people plan to pay for long-term care with the savings, CDs, investments or annuities they already own. A complimentary 15-minute Bridge Review with Todd Gregory shows how repositioning $50,000, $100,000 or $250,000 of those assets could potentially create substantially more long-term care protection, while you keep access to your money and preserve value for your family.2,3
No cost. No obligation. By phone, Zoom, or at our Springfield office. Prefer to talk first? Call 417.324.7090.
Most people only know two ways to prepare for long-term care. There is a third.
If you have thought seriously about how you would pay for care, you have probably weighed the same two options everyone else has. Both come with trade-offs that make a lot of people do nothing at all.
Option 2
Self-funding and hoping
You keep your savings where they are and plan to write checks if care is ever needed. Every dollar spent on care is a dollar that no longer supports your spouse, your retirement income, or your family.
The third way
Reposition assets you already own
The Bridge strategy uses a fixed index annuity with a long-term care rider. Money you have already saved keeps working for your retirement, and could potentially provide multiplied long-term care benefits if you ever need them.3
What your 15-minute Bridge Review will show you
In one short conversation, Todd will walk you through what your own dollar amounts could look like inside the Bridge strategy, in plain English, including:
Coverage without health-based rejection
You will not be declined for the long-term care benefit because of health issues, subject to annuity suitability requirements.2 If your health has changed, this matters.
Potentially 3X or more in LTC benefits
Depending on your age and underwriting classification, repositioned assets could potentially create up to approximately 3X or more in long-term care benefits.3
Benefits that may be income-tax-free
Qualified long-term care benefits may generally be received income-tax-free, subject to applicable tax rules and limits.4
Nothing is simply lost
If you never need long-term care, the money is not gone the way unused insurance premiums are. Remaining contract value can ultimately pass to your beneficiaries.
You keep access to your money
You retain access to the annuity value during your lifetime, subject to the terms, surrender provisions and other conditions of the contract.5
Growth potential, without direct market losses
The Bridge strategy offers tax-deferred accumulation potential and protection from direct market losses, subject to the contract's crediting methods and terms.6
“I already have money sitting in savings, CDs, investments or annuities. Could some of it do more for me if I ever need long-term care, without giving it up if I don't?”
If you have ever asked yourself that question, this review was built for you.
Please read this before you book
We keep these reviews short and useful, and we would rather be upfront than waste your time. The Bridge strategy is a strong fit for some people and simply wrong for others.
This review is for you if…
- You are roughly 55 to 75 and live in Missouri or a surrounding state
- You have at least $50,000 in savings, CDs, investments or annuities that could be repositioned
- You are concerned about how you would pay for long-term care without draining your retirement or burdening family
- You are willing to have a real 15-minute conversation about your own situation, by phone, Zoom or in person
It is probably not for you if…
- You have less than $50,000 in liquid or investable assets. The strategy is built around repositioning existing assets, and it does not work well below that level.
- You are only collecting brochures and are not ready to talk about your own numbers
- You are not concerned about long-term care costs, or you already have coverage you are fully happy with
- You want someone to promise market-beating returns. That is not what this is, and we will never pitch it that way.
If that describes you, no hard feelings. We would rather you keep your 15 minutes.
What happens when you book
Pick a time that suits you
Choose a 15-minute slot on Todd's calendar. Phone, Zoom, or in person at our office on East Battlefield Road in Springfield. No preparation required.
A short, honest conversation
Todd asks about your situation and your concerns, answers your questions in plain English, and tells you candidly whether the Bridge strategy is worth exploring for you.
See your own numbers
If it makes sense to go further, Todd prepares a personalized illustration showing what your specific assets could potentially provide. You decide from there. No pressure either way.
Who you will be talking to
Todd Gregory of Gregory Financial in Springfield, Missouri works with retirees and pre-retirees across the Ozarks on retirement planning, annuities and life insurance, with one consistent focus: helping people protect what they have worked hard to build and make informed decisions without pressure.
This campaign focuses on one specific strategy: Bridge® by EquiTrust Life Insurance Company, a fixed index annuity with a long-term care rider. Todd will tell you plainly whether it fits your situation, and just as plainly if it does not.
Gregory Financial
The clarity you need for the retirement you want.
3705 E Battlefield Rd
Springfield, MO 65809
417.324.7090
Monday to Thursday, 9am to 5pm
Common questions, answered honestly
Is the review really free? What's the catch?
It is complimentary and carries no obligation. The honest business reason we offer it: some people who take the review will find the Bridge strategy fits and become clients. Many will not, and that is fine. Either way, you leave knowing more about your options than you did 15 minutes earlier.
Will I be pressured to buy something?
No. The review is educational and conversational. If the strategy is not a fit for your situation, Todd will say so. High-pressure tactics are not how Gregory Financial has built its practice, and they do not work on smart people anyway.
My health has changed. Can I still qualify?
This is one of the most common reasons people look at Bridge. You will not be declined for the long-term care benefit because of health issues, subject to annuity suitability requirements.2 Your underwriting classification can affect the size of the benefit, which is exactly what the review will help clarify for you.
Is my money locked up?
You retain access to the annuity value during your lifetime, subject to the contract's terms, surrender provisions and other conditions.5 Like most annuities, it is designed for money you intend to keep working over time, not for funds you may need next month. What access looks like in practice is a core part of the review conversation.
What happens to the money if I never need care?
It is not "use it or lose it." The annuity continues as part of your retirement picture, and remaining contract value can ultimately pass to your beneficiaries.
What exactly is Bridge?
Bridge® is a fixed index annuity with a long-term care rider, issued by EquiTrust Life Insurance Company of West Des Moines, Iowa. It combines tax-deferred accumulation potential and protection from direct market losses with long-term care benefits through the rider, plus the NeverStop® Health Coaching & Rewards Program through Assured Allies.6
Do I need to prepare anything for the call?
No documents needed. It helps to have a rough idea of the assets you might consider repositioning, such as balances in savings, CDs, investment accounts or existing annuities, and any questions you want answered.
Find out what your money could provide
One 15-minute conversation could show you what $50,000 or more of assets you already own might provide for long-term care protection, retirement flexibility, access to your money, and the value you leave your family.
Prefer to talk first? Call 417.324.7090, Monday to Thursday, 9am to 5pm.
