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This is intended for Financial Professional use only. If you are not a Financial Professional, please visit our Brighthouse SmartCare page.

SmartCare is now available in New York. View the New York-specific page to view the resources.

Brighthouse SmartCare®

Brighthouse SmartCare, a hybrid life insurance and long-term care (LTC) product, gives your client power over the unexpected.1 Over time, its LTC benefit, death benefit, and cash value can grow, while offering protection from market loss. Better yet, if your client never uses the LTC coverage, their money is put to good use through a death benefit for their loved ones.

Take a scenic journey to see how Brighthouse SmartCare works

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Men and Women
Preparation for an LTC Need2

Brighthouse SmartCare is a hybrid life insurance product also designed to provide protection from LTC expenses.

Lock
Protection From Unexpected Events

Brighthouse SmartCare provides a guaranteed3 death benefit and cash value that’s protected from market loss if the indexed option is selected.

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Participation in Market Growth

Brighthouse SmartCare offers two growth options to potentially increase policy values over time and the ability to lock in LTC benefits at any time.


How Brighthouse SmartCare Works

Brighthouse SmartCare is a hybrid indexed universal life insurance policy. It provides a death benefit to beneficiaries and its included riders provide coverage for long-term care expenses. Your client should follow the steps below to customize a policy.

Step 01

Choose an LTC Coverage Option

The guaranteed LTC benefit and initial death benefit amounts are determined when your client applies for a policy, subject to approval by the issuing company. These amounts can grow based on the LTC coverage option your client elects.



Indexed LTC
Benefit amounts have the potential to increase with market gains up to an annual maximum growth rate, but will never drop below the policy’s original amounts.4 Your client can select to track one or more of the following indices: S&P 500® Index (large cap), Russell 2000® Index (small cap), or MSCI EAFE Index (international).A,B,C
Fixed Growth LTC
Benefit amounts earn 5% compound growth annually, which may help protect against inflation.4
Level LTC
Benefit amounts remain the same over time.




Step 02

Choose an LTC Benefit Period

Each policy consists of an LTC Acceleration of Death Benefit Rider (LTC ADBR) and an Extension of Benefits Rider (EOBR) that determine the duration of coverage once a claim begins.



LTC ADBR
Up to 98% of the policy face amount can be accessed early for LTC expenses. Only the death benefit is reduced dollar for dollar; all over policy values are reduced proportionally. The LTC ADBR pays benefits for the first 2 years of a claim.5
EOBR
Once benefits from the LTC ADBR have been exhausted, benefits are paid by the Extension of Benefits Rider.6 The EOBR provides benefit payments for 2 or 4 additional years once the LTC ADBR benefits have been used, resulting in a combined payout period of 4 or 6 years.5 These payments do not reduce policy values.




Step 03

Choose a Premium Payment Schedule

Your client can choose to make either a single premium payment or annual payments for two to five years.

Process

Brighthouse Simple Underwriting

The underwriting process can stand in the way of stronger client relationships. Brighthouse Simple Underwriting is changing that.7 Available for eligible clients ages 40 to 75 and with face amounts up to $1,000,000, Brighthouse Simple Underwriting includes:

  Ages 40 to 65 Ages 66 to 75
Labs or Exams8 None None
Medical Records For significant medical conditions only Yes
Interview None Cognitive
Initial Decision Generally, within 24 hours of receipt of completed application Generally, within 24 hours of completed requirements

 




What to Expect During the Application Process

See how our Brighthouse SmartCare application and underwriting process works.

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1 Brighthouse SmartCare is an indexed universal life insurance policy with long-term care benefits provided by riders.

2 Growth of LTC benefits relies on the index crediting rate being sufficient to cover annual charges.

3 Guarantees assume premiums have been paid to keep the policy in force. Benefits paid from the Long-Term Care Acceleration of Death Benefit Rider will reduce the death benefit dollar to dollar and all over values reduce proportionately. Any policy distribution or loans will also reduce policy values. If the terminal illness benefit is paid out, all LTC riders will end. Clients should consult with a tax professional to determine the tax consequences before requesting any accelerated death benefit payments or LTC payments.

4 If the amount of coverage increases, the cost of insurance will also increase.

5 Based on electing the maximum benefit allowed. 

6 This does not include growth related to the LTC ADBR. Growth related to the LTC ADBR is paid out during the LTC ADBR benefit period.

7 Underwriting is necessary for both the life insurance policy and the rider. Coverage for the life insurance policy and the rider may also require a medical examination.

8 Exams and labs are only required if the client has no evidence of medical care. 

A The S&P 500® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by affiliates of Brighthouse Financial, Inc. Standard & Poor’s®, S&P®, and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Brighthouse Financial. This life insurance product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates; and none of such parties make any representation regarding the advisability of investing in such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

B The Russell 2000® Index is a trademark of Russell Investments and has been licensed for use by affiliates of Brighthouse Financial, Inc. This life insurance product is not sponsored, endorsed, sold, or promoted by Russell Investments, and Russell Investments makes no representation regarding the advisability of investing in this life insurance product.

C This life insurance product is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or securities, or any index on which such products or securities are based.

This form is a client-facing webpage provided by Brighthouse Financial. It is being used for the purpose of soliciting insurance.

Brighthouse SmartCare®, an indexed universal life insurance policy with long-term care riders issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277 (“Brighthouse Financial”). All guarantees, including any optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Each issuing insurance company is solely responsible for its own financial condition and contractual obligations. Brighthouse SmartCare has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. May not be available in all states or firms.