This is intended for Financial Professional use only. If you are not a Financial Professional, please visit our Brighthouse SmartCare page.
Brighthouse SmartCare®
A hybrid life insurance and long-term care (LTC) product1
Help clients take on the unexpected with:
- Preparation for an LTC need
- Protection from unexpected events
- Participation in growth opportunities
SmartCare is now available in New York. View the New York-specific page to view the resources.
How It Works
Brighthouse SmartCare is a hybrid life insurance product also designed to provide protection for LTC expenses.
Brighthouse SmartCare provides a guaranteed3 death benefit and cash value that’s protected from market loss if the indexed option is selected.
Brighthouse SmartCare offers two growth options to potentially increase policy values over time with the ability to lock in LTC benefits at any time.
Interactive Tool
See for yourself how Brighthouse SmartCare works.
Product Video
See how a Brighthouse SmartCare policy helps the Andersons prepare for the unexpected.
Resources
Explore these Brighthouse SmartCare resources and product materials to help you have deeper conversations with your clients.
Wells
- LTC Information Flyer
- Product Brochure
- What to Expect During Brighthouse Simple Underwriting
- Pre-Qualification Checklist
- LTC Claims Processing Flyer
- Rates Flyer
- Producer Guide
- Find the Right Client Flyer
- Case Studies
- Advisor Prep Tool
- Life Underwriting Guide for Permanent Insurance
- Long-Term Care Words That Work Playbook
- Advertising Campaign Support
- Value Story Flyer
- IUL vs. Traditional UL Flyer
- Brighthouse SmartCare vs Self Funding
SBIA-Wells Fargo (SBW)
- LTC Information Flyer
- Product Brochure
- What to Expect During Brighthouse Simple Underwriting
- Pre-Qualification Checklist
- LTC Claims Processing Flyer
- Rates Flyer
- Producer Guide
- Find the Right Client Flyer
- Case Studies
- Advisor Prep Tool
- Long-Term Care Words That Work Playbook
- Life Underwriting Guide for Permanent Insurance
- Advertising Campaign Support
Morgan Stanley
Raymond James
Brighthouse Financial works with Dementia Action Alliance, a diverse coalition of passionate people creating a better society in which to live with dementia.
Brighthouse SmartCare leverages a digital application and underwriting process that requires no labs or exams for most applicants.
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 for dollar. All other values reduce proportionately. Any policy distributions or loans will also reduce policy values. If the termina illness benefit is paid out, all LTC riders will end. Clients should consult a tax professional to determine the ta consequences before requesting any accelerated death benefit payments or LTC payments.
This form is a client-facing webpage provided by Brighthouse Financial. It is being used for the purpose of soliciting insurance.
Brighthouse SmartCare® is 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.
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