¹ Brighthouse SmartCare is an Indexed Universal Life Insurance Policy with a Long-Term Care Acceleration of Death Benefit Rider, and one of three elected Extension of Benefits Riders.

² 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 and all other values reduce proportionately. Any policy distributions or loans will also reduce policy values. If a terminal illness benefit is paid, all LTC riders will end. You should consult a tax advisor to determine the tax consequences before requesting any accelerated death benefit payments or LTC payments.

³ Growth of LTC benefits relies on the index crediting rate being sufficient to cover annual charges.

⁴ If the amount of coverage increases, the cost of insurance will also increase.

⁵ Based on electing the maximum benefit allowed. 

⁶ This does not include growth related to the LTC ADBR. Growth related to the LTC ADBR is paid out during the LTC ADBR benefit period.

⁷ Underwriting is necessary for both the life insurance policy and the rider. Coverage for the life insurance policy and the rider may also require a medical examination.

⁸ Exams and labs are only required if client has no evidence of medical care. 

^A The S&P 500^® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by affiliates of Brighthouse Financial, Inc. Standard & Poor’s^®, S&P^®, and S&P 500^® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Brighthouse Financial. This life insurance product is not sponsored, endorsed, sold, or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates; and none of such parties make any representation regarding the advisability of investing in such product(s), nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

^B The Russell 2000^® Index is a trademark of Russell Investments and has been licensed for use by affiliates of Brighthouse Financial, Inc. This life insurance product is not sponsored, endorsed, sold, or promoted by Russell Investments, and Russell Investments makes no representation regarding the advisability of investing in this life insurance product.

^C This life insurance product is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such products or securities, or any index on which such products or securities are based. 

May not be available in all states or firms

Brighthouse SmartCare^SM, an Indexed Universal Life Insurance Policy on Policy Forms ICC18-5-70, 5-70-18, and 5-70-18-FL, with a Long-Term Care Acceleration of Death Benefit Rider on Policy Forms ICC18-3ACCLTC1, 3ACCLTC1-18, and 3ACCLTC1-18-FL, including the option to elect an Extension of Benefits Rider on Policy Forms ICC18-3EOB1, ICC18-3EOBIC1, or ICC18-3EOBIP1, and 3EOB1-18, 3EOBIC1-18, or 3EOBIP1-18, and 3EOB1-18-FL, 3EOBIC1-18-FL, or 3EOBIP1-18-FL, is issued by, with product guarantees that are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277 (“Brighthouse Financial”). All guarantees, including optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Each 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. For costs and complete details of the coverage, please consult your financial professional.

ICC18-BHFDA
5-18-BHFDA