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Brighthouse Financial, its agents, and representatives may not give legal, tax or accounting advice and this document should not be construed as such. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

Like most insurance policies, Brighthouse Financial policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. All policies and riders may not be available in all states. Ask your representative for complete details

Brighthouse Financial, Charlotte, NC 28277.

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As part of the ongoing transition, certain Brighthouse Financial features are serviced by MetLife.

Privacy Policy

Effective: March 6, 2017

Brighthouse Financial knows you care about the privacy of your personal information. That is why we protect the information you give us when visiting our websites. This policy describes how we collect, use, and retain the information you provide to us online. 

What personal information do we collect about online visitors? 
When browsing our websites, we do not require you to give us your information. We may require you to give us your information to access certain features, such as: 

  • Accessing your account information,
  • Asking to have us contact you,
  • Asking to receive information about our products,
  • Participating in a promotion or survey, or
  • Requesting technical or other support.

 

The types of personal information we may ask you to access certain features include: 

  • Your first and last name,
  • Postal address,
  • Phone number,
  • Email address,
  • Policy or contract number,
  • Social security number,
  • Credit card number, or
  • Billing address.

 

Additionally, we may collect personal information like your age or date of birth, gender, occupation, hobbies, and other preferences.

How do we use personal information?
We limit the personal information we collect about you to the amount necessary to fulfill your requests and complete our business objectives. For example, we may use your personal information to:

  • Confirm your identity;
  • Respond to your information requests;
  • Administer your account information;
  • Provide you with online planning tools; or
  • Send you information about our products.

 

How do we disclose personal information?
We may disclose personal information to third-parties to help us offer or administer our products. For example, we may disclose personal information to third-parties to help us evaluate requests for our products or to complete transactions you request.  

We may also disclose personal information if we are legally required or permitted to do so, such as in response to a court order, subpoena, or regulatory examination.

How do we safeguard the personal information we collect about you online?
We maintain physical, electronic, and procedural safeguards to protect your personal information in a manner that complies with our Company policy and applicable laws. Our Company policy requires all of our employees to protect the confidentiality of personal information. Employees may access personal information only when there is an appropriate reason to do so, such as to process a transaction or to administer your product.

Third-parties who help us administer our products must agree to protect your personal information and implement their own policies, procedures, and safeguards to protect personal information in accordance with all applicable laws.

What information do we collect through technology?
When you visit one of our websites, we collect your Internet Protocol (“IP”) address.  An IP address is the unique identifier for the computer you use to browse the internet. We may use your IP address to study how frequently you visit areas of our websites. By itself, your IP address is not personally identifiable, but we may combine it with other personal information that you give us. Our websites do not respond to browser Do Not Track signals or similar mechanisms. 

Cookies and Web Beacons
Our websites use cookies and web beacons to collect and store information. Cookies are pieces of information that a website sends to an online visitor’s web browser while they view a website. These cookies help certain features of our websites run more smoothly and remember who you are. You may choose to have your web browser warn you each time a cookie is sent, or you may choose to turn off all cookies. If you do turn cookies off, some of our websites may not function properly.

Web beacons are pieces of information embedded in images on website pages and in our email communications.  We use these web beacons to analyze our websites, including how frequently users visit various areas of our websites. We also use web beacons in email communications to determine whether you opened our emails or clicked on links in those emails. These methods may involve transmitting information either directly to us or to another entity authorized by us to collect information on our behalf.  

Network Advertisers
Third-parties called Network Advertisers may place advertisements on our websites. Network Advertisers may use cookies and web beacons to collect information about you when you click or move your cursor over one of the Network Advertisers advertisements. Network Advertisers do not collect your personal information and we do not give them your personal information. We may, however, have access to information from web beacons and cookies that third-parties use on our sites. This information can identify other sites that you visit that are associated with the network advertiser. 

For more information about our Network Advertisers, including information about how to opt out of their technologies, visit: Google Privacy Policy, Atlas Solutions Privacy Policy, and Understanding Online Advertising.

Once you click on an advertisement and leave our website, our policy no longer applies. You should read the policy of the advertiser to see how your personal information will be collected on the Network Advertiser’s website.

Children’s Privacy Online
We do not knowingly collect personal information from children under 13. 

Purchase or Sale of Our Businesses
When purchasing or selling parts of our businesses, your personal information may be transferred as part of the purchase or sale. If we purchase a business, we treat the personal information received with that business in accordance with all of our privacy policies, including this policy. If we sell a business, we include provisions in the selling contract requiring the purchaser to treat personal information in the same way required by our privacy policies and applicable law. This also applies if we are sold as part of bankruptcy proceedings.

What choices do you have about the collection, use, and sharing of their personal information? 
You may tell us not to share your information with our affiliates for their marketing purposes or non-affiliates as part of a joint marketing arrangement. Even if you do not opt out, we will not share your information with non-affiliates for their own marketing purposes. You can opt out or unsubscribe for our marketing emails at any time by contacting us at: www.brighthousefinancial.com/optout

How can you update your personal information? 
Visit our online resources page to tell us about any changes to your contact information.

Questions?
For questions or comments, please call us at 1-800-638-5433 Monday through Friday between 9:00 a.m. and 6:00 p.m., ET.

How will you know if we amend this Online Privacy Policy? 
We may amend this policy at any time.  If we make changes to how we collect, use, or retain personal information, we will post a notice of the changes on our website. Any changes to this policy will take effect ten (10) days after we post a notice.


Social Security Number Protection Policy

Brighthouse Financial, Inc. (“Brighthouse Financial” or “us,” “we,” “our”) adopted this Social Security Number Protection Policy to tell Clients, Consumers, and our employees how we protect Social Security Numbers. We may use and disclose Social Security Numbers to support our business activities. For example, we may use or disclose Social Security Numbers to evaluate and process requests for our products, pay benefits, or administer other transactions requested by Clients,  Consumers, and our employees. We maintain Social Security Numbers in a secure and confidential manner. Our employees may only access or disclose Social Security Numbers to perform specific business purposes, such as the examples given above. Similarly, third-parties who perform administrative services on our behalf may only do so for specified business purposes. We prohibit our employees and third-parties from unlawfully disclosing Social Security Numbers. When we no longer need records that contain Social Security Numbers to support our business purposes, we require secure and appropriate disposal of those records. 


Annual Privacy Notices

For Individual Policies

Download PDF

Individual Privacy Policy

For Group Policies

Download PDF

Group Privacy Policy


HIPAA Notice

Learn how we protect your personal health information.

See HIPAA Notice