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Brighthouse Financial Life Insurance Review

brighthouse financial life insurance company

If you’re considering buying life insurance from MetLife or Brighthouse Financial Life Insurance Company, you might want to read some MetLife life insurance reviews first. That’s where we come in. We’ve put together this review of MetLife life Insurance to help you determine whether it’s the right life insurance company for you.

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About Brighthouse Financial and MetLife

In January 2016, MetLife separated its retail business from the main company. The retail business is now written under the Brighthouse banner, offering annuity and life insurance solutions.

This MetLife Review has been written to help you decide whether or not Brighthouse Financial will be the best life insurance company for you, based on your unique goals and objectives.

MetLife Life Insurance Pros

One of the most important things to look at when purchasing a life insurance policy is the life insurance company’s ratings. MetLife is a top rated life insurance company and has been rated by one of the most reputable rating agencies in the USA: A.M. Best.

A.M. Best rated MetLife with an A+ rating, aka “superior”. This rating means a lot!

A.M. Best doesn’t hand out superior ratings to just any life insurance company; they only do it after thorough vetting and investigation. They only give such high ratings when they know the life insurance company is truly a solid and reliable company.

MetLife’s new company, Brighthouse Life Insurance Company, has an A rating from A.M. Best and an AA- rating from Fitch.

MetLife Ratings as of April 2020:

  • A.M. Best rating: A+
  • S&P rating: AA-
  • Moody’s rating: Aa3
  • Fitch rating: AA-
  • Comdex ranking: 95

Brighthouse Financial Ratings as of April 2020:

  • A.M. Best rating: A
  • S&P rating: A+
  • Moody’s rating: n/a
  • Fitch rating: n/a
  • Comdex ranking: 83

Brighthouse Financial Life Insurance Policies

Now it’s time to tell you about the different types of life insurance policies offered by Brighthouse Financial. They have a lot of great products right for different situations and needs, including both term life and permanent life insurance, and offer some of the most competitive term life insurance rates by age in the U.S.

Brighthouse Financial Guaranteed Level Term

Brighthouse offers level term life insurance.

Guaranteed Level Term Life Insurance Snapshot:
  • Available for ages 18-70
  • Face Amount: start at $100,000
  • Terms: 10, 15, 20, and 30 year
  • Medical Exam: required
  • Conversion option to age 70
  • Renewable to age 95
Available life insurance riders:
  • Disability Waiver of Premium
  • Accelerated Death Benefit

Brighthouse Premier Accumulator Universal Life Insurance

Universal life insurance is a permanent life insurance that has flexibility built into the policy. It also offers interest crediting that protects your cash value from market fluctuations.

Accumulator Universal Life Insurance Snapshot:
  • Available for ages 18-80
  • Face Amount: $100,000 minimum
  • Length of Coverage: Up to 95 years of age
  • Medical Exam: Required, however product also available in guaranteed issue class
  • High early cash value accumulation
  • Tax favored cash value growth
  • Policy loans and withdrawals available
Available life insurance riders:
  • Disability Waiver of Premium
  • Accelerated Death Benefit

Metlife Whole Life Insurance

MetLife offers whole life insurance that will last your entire lifetime. There are a few benefits of this whole life insurance plan:

  • Guaranteed death benefits
  • Guaranteed premiums
  • Guaranteed cash value
Whole Life Insurance Snapshot:
  • Face Amount: $100,000-no maximum
  • Length of Coverage: Your Lifetime
  • Medical Exam: Required
  • Cash Value: Yes

MetLife and Brighthouse Pros

One of the main things that is great about MetLife and Brighthouse is that they really know how to underwrite a policy when other life insurance companies cannot. We’d say they’re a bit like mavericks in the life insurance game! People who could really benefit from MetLife’s underwriting include people who:

  • Smoke marijuana
  • Are or were in the military
  • Have high blood pressure

These are just a few of the niche markets that MetLife does a great job underwriting policies for. This is one of the reasons our MetLife review is so positive.

MetLife and Brighthouse  Potential Drawbacks

When you’re looking for Metlife Brighthouse reviews online, one thing you probably want to know about is the price – after all, how easy or hard a life insurance policy is on the wallet is really important. While MetLife is normally one of the most affordable life insurance companies around, once in awhile they aren’t.

What does this mean? In some cases, you might be able to get a more affordable life insurance policy that has comparable features from another life insurance company. This is pretty much the only drawback we have to talk about in this MetLife review.

Final thoughts…

Brighthouse Financial Life Insurance Company is a well-established life insurance provider with a solid financial rating from A.M. Best. They offer a wide range of life insurance products and have a reputation for providing excellent customer service. If you’re looking for a reputable life insurance company with a strong financial standing, Brighthouse Financial Life Insurance Company could be a good option for you.

However, it’s important to remember that no two life insurance companies are the same, and what works for one person may not work for another. That’s why it’s always a good idea to shop around and compare policies and rates from multiple companies before making a final decision. Doing so can help ensure that you’re getting the best coverage for your needs and budget.

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