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Brighthouse SmartCareSM

Indexed universal life insurance with long-term care benefits

Take a scenic journey to see how Brighthouse SmartCare works

Are you a financial advisor? View material created for Financial Professional Use only.

Brighthouse SmartCare1 is a hybrid life insurance and long-term care policy that provides protection two ways. It offers your loved ones a death benefit and offers you long-term care (LTC) coverage if you need it.

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Get life insurance and long-term care coverage in one - with a hybrid option

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1 Brighthouse SmartCare is an indexed universal life policy with long-term care benefits provided by riders.

Brighthouse SmartCare℠, 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.

May not be available in all states or firms.

ICC18-BHFDA-1

5-18-BHFDA-1

2317013.1 [11/15/2020]

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© 2019 Brighthouse Financial, Inc.

Brighthouse Financial® and its design are registered trademarks of Brighthouse Financial, Inc. and/or its affiliates. Brighthouse Financial is the brand name for Brighthouse Life Insurance Company, Brighthouse Life Insurance Company of NY, and New England Life Insurance Company.

Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277 and, in New York only, by Brighthouse Life Insurance Company of NY, New York, NY 10017 ("Brighthouse Financial"). Variable products are distributed by Brighthouse Securities, LLC (member FINRA). All are Brighthouse Financial affiliated companies.

In applying the information provided in this material, you should consider your other assets, income, and investments – such as the equity in your home, your Social Security benefits, any IRAs, savings accounts, and other plans that may provide retirement income, as those other assets may not be included in this discussion, model, or estimate.

The material on this website should not be interpreted as a recommendation or as fiduciary investment advice by Brighthouse Life Insurance Company, Brighthouse Life Insurance Company of NY, or Brighthouse Securities, LLC.