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This site was created and intended for use only by financial professionals.

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

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

Life Insurance

There’s more to life insurance than taking care of loved ones if you pass away. Life insurance can also be an essential part of a financial plan. In addition to helping to protect loved ones financially with a death benefit, some products can grow money on a tax-advantaged basis that can be used during one’s lifetime. The ability to meet more than one need makes life insurance a product that adds valuable flexibility to any portfolio. Talk to your financial professional if you think life insurance might be right for you.

Types of Life Insurance
Permanent Life Insurance

Provides coverage that lasts a lifetime and can build cash value that can be used while living.

Term Life Insurance

Provides coverage for a specific length of time and provides the most payout for the money, but does not build cash value.

Permanent Life Insurance

Permanent life insurance is designed to provide coverage for life. Many permanent life insurance products also have a feature called cash value. This cash value can grow over time through interest credits, market returns, or dividends, providing money that can be used for a variety of needs.  Permanent life insurance products include: Universal Life, Indexed Universal Life, Whole Life, and Variable Universal Life.

Premier Accumulator Universal Life

Can grow cash value quickly and allows faster access to your money when you need it.

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Term Life Insurance

Term life insurance covers you for a fixed number of years, such as 1, 5, 10, 20, or 30 and pays a death benefit if you pass away during the covered time period. Most term insurance policies offer a level premium, death benefit, and the ability to convert to a permanent policy if your needs change. You can also choose coverage for current needs and add optional riders for future needs.

Guaranteed Level Term

Available in coverage amounts of $1 million or more, with premiums guaranteed to stay the same throughout the level premium period.

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