February 2026 Industry News and Updates

EquiTrust Agent Portal

EquiTrust Bridge Enhancements, 1/1/26: Our innovative fixed index annuity that redefines LTC benefits and successful aging.  Here are exciting upgrades to Bridge: 

• 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)

NGL Launches HonestLTC, 2/13/26

Available in 34 states. HonestLTC is NGL’s second generation traditional LTC offering.  It improves on key provisions of our existing product, but retains the unique, value-driven features that have made NGL a successful Long-Term Care insurance carrier with agents and consumers.

• A Monthly Benefit instead of a Daily Benefit

• Calendar Day Elimination Period instead of a Service Day Elimination Period

• Automatic compounded inflation options of 1%, 2% and 4% (in addition to 3% and 5%) 

• A 5% Partner Discount for individual policies

• An Alternate Plan of Care provision that could cover emerging care delivery trends that do not yet exist.