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Term Life Insurance

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Protecting their loved ones is why so many people turn to life insurance.

A simple and powerful protection solution, Term Life Insurance offers coverage for a fixed number of years. Term durations can vary depending on the length of coverage needed. The policy will pay a death benefit if your client passes away during the term.

Many term policies offer a level premium for a guaranteed period of time. Some term policies may also include the ability to convert to a permanent policy if needs change.

Term life insurance may be suitable for those who want:
Cost-Effective Insurance Protection
Cost-Effective Insurance Protection

Acquire insurance for a specific period of time, which may result in obtaining the greatest death benefit protection for a lower cost, compared to permanent life insurance products

Income Replacement
Income Replacement

Ensure funds are available during a specific period to help pay expenses (e.g.: a home mortgage or outstanding debt) in the event of the Insured’s death

Options if Your Needs Change
Options if Your Needs Change

Purchase a potentially lower cost protection solution with the ability to convert to a permanent policy after the term ends

Brighthouse One Year Term

Often, we think of life insurance as a long-term solution, but situations can arise when protection is needed for a shorter period of time. Brighthouse One Year Term is a life insurance product that delivers guaranteed, affordable protection.

It is designed to deliver the right amount of protection when it’s needed most, or to supplement an in-force policy.

Convertible and Renewable Options Rider
Only available at the time of policy purchase, this rider that allows your client to extend their coverage to five years at the end of the term.

Additionally, after the first year of coverage, this rider lets your client convert their policy to Brighthouse Conversion Whole Life – without the need for additional underwriting.

Resource Materials

Product features and availability vary by state. Optional riders are available for an additional fee and are subject to contractual terms, conditions, and limitations. Most riders can be selected only when your client applies for their policy.

Like most insurance policies, Brighthouse Financial policies contain charges, limitations, exclusions, termination provisions, and terms for keeping them in force.

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 One Year Term is issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277, on Policy Form 5E-24-12 and, in New York only, by Brighthouse Life Insurance Company of NY, New York, NY 10017, on Policy Form 5E-24-16-NY-U (“Brighthouse Financial”). Product availability and features may vary by state or firm.

Brighthouse Conversion Whole Life is issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277, on Policy Form ICC17-5-16 and, in New York only, by Brighthouse Life Insurance Company of NY, New York, NY 10017, on Policy Form 5-16-17-NY-1 (“Brighthouse Financial”). Product availability and features may vary by state or firm.

Brighthouse Financial® and its design are registered trademarks of Brighthouse Financial, Inc. and/or its affiliates.