SmartCare Long Term Care | Life Insurance | Brighthouse Financial
Are you a financial professional?
No Yes

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.
No Yes

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

Back
Products
Annuities Shield Annuities (Index-Linked Annuity) Variable Annuities with FlexChoice Access Brighthouse SecureAdvantage 6-Year Fixed Index Annuity Guaranteed Income Builder Income Annuity Fixed Rate Annuities
Life Insurance Brighthouse SmartCare (Hybrid Life and Long-Term Care Insurance) Term Life Insurance
Prospectus and Performance Reports
Fund Resources
Featured Product
Learn about Brighthouse SmartCare®, life insurance that can do more than one thing
Back
Education
All Education Retirement Planning Retirement Lifestyle Healthcare Planning for Retirement Retirement Income Solutions Estate and Legacy Planning Working with a Financial Advisor
Featured Content
Managing the Financial Impact of Divorce or Loss of a Spouse
Back
About Us
About Us Overview Our Story Investor Relations Careers Newsroom
Brighthouse Financial History Timeline
Brighthouse Financial has a storied history. View our milestones

Brighthouse SmartCare®

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.

How to Buy Brighthouse SmartCare

Brighthouse SmartCare is purchased through your licensed financial professional.

Learn More

Learn more about working with a financial professional

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

Lock
Protection From Unexpected Events

Metrics
Participation in Market Growth

Download more information about Brighthouse SmartCare

Show More

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

Venn Diagram Animation
Venn Diagram Animation
8-Minute Article
This Breed of Long-Term Care Insurance Isn’t a “Use-It-or-Lose-It” Policy
5-Minute Article
Paying for Long-Term Care: Your Options
2-Minute Article
4 Benefits of a Hybrid Life Insurance Policy with Long-Term Care Coverage

How to Buy Brighthouse SmartCare

Our products can only be purchased through a financial professional. Enter your email to receive additional information including questions to help you prepare for a meeting with your financial professional regarding Brighthouse SmartCare.

Thanks for your interest

Your Worksheet will arrive shortly.

Don't have a financial professional?

Additional Information
false


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]

Need Help?

  • Life Insurance

    (800) 638-5000

    Annuities

    (800) 638-7732
  • Or visit our Support Center
About Us
Connect with Us
Brighthouse Financial Logo

© 2020 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.