Brighthouse SmartCare® (NY)
A hybrid life insurance and long-term care (LTC) product1
Help give clients power over the unexpected with:
- Preparation for an LTC need2
- Protection from unexpected events
- Participation in growth opportunities
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.
Brighthouse Financial works with Dementia Action Alliance, a diverse coalition of passionate people creating a better society in which to live with dementia.
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.
Brighthouse SmartCare is a life insurance policy that accelerates the death benefit for qualified long-term care services and is not a health insurance policy providing long-term care insurance subject to the minimum requirements of New York Law, does not qualify for the New York State Partnership for Long-Term Care Program, and is not a Medicare supplement policy.
Brighthouse SmartCare® is an indexed universal life insurance policy with long-term care riders issued in New York only by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company of NY, New York, NY 10017 (“Brighthouse Financial”). All guarantees, including any optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. The 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.