Healthcare Preparedness Victory Plan: Pillar IV
What happens to your retirement if you need someone to care for you?
Most retirement plans don’t account for it. Yet 7 in 10 of us will need long-term care. The Victory Plan closes that gap with a team-built strategy that protects your savings, preserves your independence, and keeps your legacy intact.
of people turning 65 today will require long-term care services at some point in their lifetime
carriers remain in the standalone long-term care insurance market leaving most Americans without a clear path to coverage
is what Medicare pays toward most long-term care expenses. It was never designed to cover them.
Why This Matters
Most retirement plans have a dangerous blind spot.
Medicare Won’t Cover It
Medicare pays for short-term skilled nursing only. Custodial care help with daily activities is almost entirely out-of-pocket.
The Market Has Shrunk
Traditional LTC insurance has become unaffordable or unavailable for many. Fewer than 15 carriers still offer it.
Costs Are Rising Fast
A private room in a skilled nursing facility now exceeds $100,000/year nationally and continues to climb.
Assets Are at Risk
Without a plan, a long-term care event can rapidly deplete the savings you worked decades to build.
We’ve sat across the table from hundreds of couples who spent decades doing everything right saving diligently, investing wisely, building something real. Then one health event changed everything. Not because they failed to plan. Because no one ever showed them this particular gap.
James Hait · Founder, Victory Wealth Services · Prescott, AZ
Does any of this feel familiar?
A smarter way to plan for care without sacrificing your legacy.
Bridge® is a fixed index annuity (FIA) with a built-in Long-Term Care Rider, offered through EquiTrust Life Insurance Company. Unlike traditional LTC insurance, your premium doesn’t disappear if you never need care it continues to grow and can pass to your heirs. As part of your Victory Plan, Bridge addresses your Healthcare Preparedness pillar while complementing your Income, Investment, Tax, and Legacy goals. Talk to our team about Bridge
Your Money, Protected
Unlike use-it-or-lose-it LTC insurance, your principal is preserved. If you never need care, benefits pass to beneficiaries.
Growth Potential
Indexed crediting strategies offer upside participation in market gains with no downside risk to principal.
Simplified Underwriting
No lengthy medical exams. Bridge’s streamlined process makes approval faster and more accessible than traditional LTC policies.
Guaranteed Benefits
LTC benefits are contractually guaranteed not subject to future premium increases or carrier withdrawal from the market.
NeverStop® Health Coaching Included
Bridge includes access to the NeverStop® Health Coaching & Rewards Program supporting healthy behaviors that can reduce the likelihood you’ll need care in the first place. It’s retirement planning that works proactively, not just reactively.
Three conversations that change everything.
A real conversation, first.
We start with a complimentary strategy visit not a sales pitch. We review your full financial picture across all five pillars of the Victory Plan. LTC planning doesn’t happen in isolation, and neither does this conversation.
See your numbers clearly.
We run your personalized Bridge illustration premium, coverage ratio, monthly benefit, total LTC pool on the table in front of you. No ambiguity. No fine print surprises. You leave with complete clarity.
Live your victory.
Once in place, Bridge works quietly in the background growing your assets, standing ready if care is needed, and protecting everything you’ve built. You stop worrying about the “what if” and start living the “what is.”
See what your premium could provide.
Use the calculator below to estimate LTC benefits. Results update automatically as you adjust the inputs.
Bridge fits inside your complete Victory Plan
Long-term care isn’t a standalone issue it touches every aspect of your retirement. That’s why we address it within the context of all five Victory Plan pillars, ensuring every piece works together.
Sustainable income streams that last as long as you do with or without a care event.
Growth-oriented allocation balanced with the protection your stage of life demands.
Minimizing the tax drag on every dollar from accumulation through distribution.
Bridge® addresses this pillar directly funding care without derailing everything else.
Leaving what you intend, to whom you intend with Bridge preserving principal for heirs.
Your complimentary 15-Minute Strategy Visit starts here.
In 15 minutes, our team will review your current plan, identify your long-term care exposure, and show you exactly how Bridge fits into your Victory Plan. No pressure. No cost. Just clarity.
Let’s have a real conversation.
Tell us a little about yourself and our team will reach out within one business day to schedule your complimentary 15-minute visit. No obligation. No sales pressure. Just clarity.