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As a journalist, his work has appeared in Esquire, Scientific American, The Guardian, Los Angeles Times, and elsewhere. Brighthouse Financial sells annuity and life insurance products to U.S. consumers through multiple independent distribution channels.[11] These products are serviced by a third-party vendor "DXC Technology" instead of directly by Brighthouse Financial. Your financial professional can help manage yourfinancial strategy during all market conditions, butvolatility can be a prime opportunity to have productiveconversations.
What makes Brighthouse Financial unique?
While sharing some similar features, different types of annuities can offer different benefits. Financial services companies often provide options for various annuity types that allow investors to tailor the annuity allocation in their portfolio to better fit their needs. The chart below summarizes some of the key features typically offered by certain annuities, stocks, and bonds.
Company Information
Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. If you’re looking for term life insurance with affordable rates and a fast and easy application process, Brighthouse Financial is an excellent pick. It offers very affordable premiums and a convenient no-medical-exam option for people between the ages of 25 and 50 who don't smoke.
Separation from MetLife
It’s also great if you’re interested in combining your life insurance policy with long-term care. Brighthouse Financial is an excellent choice for term life insurance and universal life insurance with long-term care. It also offers some of the most affordable rates on the market.
Explore a permanent life insurance product that can protect your family and provide long-term care benefit, should you need it. Adam Morgan is an editorial director at Policygenius who leads the life insurance and annuities team. Previously, he led editorial teams matrixed across multiple financial publications at Red Ventures — including Bankrate, NextAdvisor, Million Mile Secrets, and others.
How to Buy BHF Life Insurance
Financial professionals can offer guidance that benefits your retirement goals and overall financial health. The fixed interest rate your annuity earns is guaranteed for the initial guarantee period you choose.1 This means that your money is growing steadily throughout the guarantee period. This guaranteed growth and stability are what we make a fixed annuity an important part of a diversified portfolio. Brighthouse Financial is one of our highest-rated life insurance companies thanks to its affordable rates, quick application, and no-medical-exam options. As you get closer to retirement, protecting the value of your assets may be an important part of your strategy. It may be easier to reach your goals with investment options that offer some protection from market loss.
This opinion is not specific to any particular policy or contract, nor does it address the suitability of a particular policy or contract for a specific purpose or purchaser. All guarantees and commitments, including any optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. S&P Global Insurer Financial Strength Rating is a forward-looking opinion about the financial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms. The information included herein regarding the rating agencies’ opinions relating to the operating companies of Brighthouse Financial are provided for your convenience only, with the consent of the rating agencies. Ratings apply to the financial strength and claims-paying ability of the Brighthouse Financial operating companies and not the performance of any of their products.
Brighthouse SmartCare is a hybrid life insurance product also designed to provide protection for LTC expenses. 5 These waivers are not available if you are over age 80 at contract issue. May not be available in all states; additional restrictions apply. This Brighthouse Financial product can only be purchased through a licensed financial professional.
Learn how hybrid life insurance protects your retirement
Our transparency rating scale measures how easily shoppers and policyholders can find information about an insurer on its website. Brighthouse Financial scored points for providing a policy information on its website, including term length It also displays the company’s financial strength ratings with A.M. It also offers plenty of ways to contact insurance experts for support via phone, email, online support center, or — for its term life insurance policies offered exclusively through Policygenius — live chat.
Renewal interest rates will generally be lower than the Initial Guaranteed Interest Rate but will not be less than the Minimum Guaranteed Interest Rate. This annuity suite offers 100% protection4 for your purchase payment against market downturns while providing a pathway to grow your money. An annuity can help you protect and grow your retirement savings, giving you more confidence that you’ll have the income you need to do more of what you love in retirement. Receive News & Ratings for Brighthouse Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Brighthouse Financial and related companies with MarketBeat.com's FREE daily email newsletter. © 2024 Market data provided is at least 10-minutes delayed and hosted by Barchart Solutions.
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Term life Insurance covers you for a fixed number of years, such as 1, 10, 20, or 30, and pays a death benefit if you pass away during the covered term. Compare Brighthouse Financial to similar life insurance companies using the table below. Annuities and life insurance can play an essential role in your retirement portfolio by helping to protect what you've earned and ensure it lasts. Determine whether your essential expenses will be covered in retirement, and discover how an annuity could help fill any gaps. Taxes are one consideration when determining the mix of investments within your portfolio, and it’s important to understand how each investment may impact your tax exposure.
In fact, Brighthouse Financial is our pick for the best overall no-medical-exam life insurance. And as noted above, it offers some of the most affordable rates on the market. Brighthouse Financial also scored very high on our customer experience scale. According to the latest data from the National Association of Insurance Commissioners (NAIC) complaint index, Brighthouse Financial has one of the lowest levels of consumer complaints in the entire life insurance industry, with an index rating of just 0.34.
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