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New York residents: See how Brighthouse SmartCare New York works.

Brighthouse SmartCare®

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



See How Brighthouse SmartCare Works

Watch how Sarah and John Anderson use Brighthouse SmartCare to prepare for retirement and plan for possible future long-term care events.

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Help protect your retirement against unexpected long-term care costs
Men and Women
Preparation for an LTC Need2

Brighthouse SmartCare is a hybrid life insurance product also designed to provide protection for LTC expenses.

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Protection From Unexpected Events

Brighthouse SmartCare provides a guaranteed3 death benefit and cash value that's protected from market loss if the indexed option is selected.

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Participation in Market Growth

Brighthouse SmartCare offers two growth options to potentially increase policy values over time and the ability to lock in LTC benefits at any time.

 
Resource Materials

Download these resources for more detailed information about this product:

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Additional Information

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8-Minute Article
This Type of Long-Term Care Insurance Isn’t “Use-It-or-Lose-It”
12-Minute Article
Considering In-Home Care in Retirement? Here’s What It May Cost
1-Minute Article
Hybrid Life Insurance with Long-Term Care Coverage Questionnaire

Take the Next Step

Talk to your financial professional about whether Brighthouse Smartcare is right for you, or to learn more about purchasing this product.

Here are some questions to help you start the conversation:

  1. If I already have life insurance, would a hybrid policy make sense for me?

  2. How would buying long-term care coverage affect assets such as my home, business, or gifts I want to make to my grandchildren or other loved ones?

  3. Given my age and health history, how likely am I to qualify for either a traditional long-term care policy or hybrid life insurance policy?

  4. How can I ensure I’m choosing the right insurance company, and how do I know that this company is going to be around in the future?

  5. Do I have the financial assets to pay for long-term care costs on my own, without insurance?

Are you considering talking to your financial professional about hybrid life insurance policies with LTC coverage? View your tips and questions to consider to help you prepare for the conversation.

View Discussion Guide

This Brighthouse Financial product can only be purchased through a licensed financial professional.

Don’t have a financial professional? Learn more about working with a financial professional.

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Brighthouse Financial® is on a mission to help people achieve financial security.

Trusted by over 2 million customers with over 2 million annuity contracts and life insurance policies in force, Brighthouse Financial® is proud to be a FORTUNE® 500 company and one of the largest providers of annuities and life insurance in the U.S.4

See Our Story

1 Brighthouse SmartCare is an indexed universal life insurance policy with long-term care benefits provided by riders, which may not cover all potential long-term care costs.

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

4 Data as of June 30, 2020. From FORTUNE© 2020 FORTUNE Media IP Limited. FORTUNE is a trademark of FORTUNE Media IP Limited and is used under license. FORTUNE and FORTUNE Media IP Limited are not affiliated with, and do not endorse the products or services of, Brighthouse Financial. Assets ranked by 2019 admitted assets. Best’s Review: Top 200 U.S. Life/Health Insurers. A.M. Best, 2020.

This form is a client-facing webpage provided by Brighthouse Financial. It is being used for the purpose of soliciting insurance.

Brighthouse SmartCare®, an Indexed Universal Life Insurance Policy with Long-Term Care Riders issued by, and product guarantees are solely the responsibility of, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277 (“Brighthouse Financial”). All guarantees, including any 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.

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© 2023 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 this material, the terms “advisor” and “financial advisor” are used as general references to licensed insurance professionals and are not intended to indicate whether the licensed insurance professional is a Registered Investment Advisor or is otherwise authorized under the law to provide financial advice.

Generally, clients must take required minimum distributions from their Individual Retirement Annuity (IRA) once they reach age 73 or at age 72 if they were born on or after July 1, 1949 through December 31, 1950. Clients should seek advice from a qualified tax professional for complete details.