Premier Accumulator Universal Life | Brighthouse Financial
Are you a financial professional?

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

Brighthouse Financial, Charlotte, NC 28277.

You are about to leave the Brighthouse Financial website.

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

Premier Accumulator Universal Life


For many people, the dollars they save are the dollars they value most of all. That's why Premier Accumulator Universal Life (PAUL) provides protection for your family while generating returns at the same time.

On the protection side, it generally includes a tax-free death benefit to your loved ones and has an optional feature that gives you the ability to access your policy values to help pay for costs should the insured suffer from a chronic or terminal illness, just in case.

On the growth side, PAUL helps you generate returns and has no surrender charges — in case you need your money to work for you elsewhere.

This is the best of both worlds – protection and growth in one product.


Prepare for your financial future with growth potential, access, and coverage.


Get Your Money Working Harder
In today’s low rate environment, PAUL offers growth potential through interest credits that are not directly affected by market fluctuations.  

Concerned About Taxes?
Since a PAUL policy is considered tax-favored, you don’t pay taxes on your money while it accumulates. In most cases, you can pass the death benefit down to your beneficiaries tax-free.    


Greater Access to Your Money, If Needed
In many cases PAUL allows access to almost 100% - and in some cases over 100% - of your money at the end of the first policy year, based on current non-guaranteed rates. 

Satisfy Needs While You’re Alive
PAUL lets you use the money in your policy for the things both planned and unplanned, such as a child’s college education, supplemental retirement income, or emergency situations.


Protection That Lasts a Lifetime
As long as premiums are paid, PAUL will stay with you no matter how long you live. And when you’re no longer around, it provides money that can be passed on to your loved ones, or donated to your favorite charities.

Comfort in Knowing They’re Secure

PAUL can help your family continue their lifestyle if you’re no longer around. The life insurance coverage can help replace lost income, pay off a mortgage, or provide for a child’s college education.


Brighthouse Simple Underwriting
Brighthouse Simple Underwriting provides a simple, less invasive process with no exams and no labs. A simple underwriting offer is given with a yes or no answer. A faster underwriting decision generally within 24 hours following telephone application and interview. One call to the owner and to the insured where we ask the questions. 

For more information on Brighthouse Simple Underwriting, view the Simple Underwriting Brochure.