SmartCare Long Term Care | Life Insurance | Brighthouse Financial
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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

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

Brighthouse SmartCareSM

Planning for long-term care (LTC) costs now can help you pursue your passions later. Brighthouse SmartCare is a hybrid life insurance product that provides LTC protection, a death benefit, and potential growth – making it a smart way to help protect your retirement against long-term care costs.¹

Men and Women
Preparation for an LTC Need

Brighthouse SmartCare is a hybrid life insurance product also designed to provide protection in case of a long-term care event through guaranteed LTC benefits.²

Protection From Unexpected Events

Brighthouse SmartCare provides a guaranteed death benefit as well as protection from market loss if the policy is linked to the performance of major market indices.2,3

Participation in Market Growth³

If elected, Brighthouse SmartCare can link to major market indices, allowing LTC benefits to potentially grow over time with the ability to lock in LTC benefit amounts at any time.

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How Brighthouse SmartCare Works

Brighthouse SmartCare is a hybrid indexed universal life insurance policy. It provides a death benefit to beneficiaries and its included riders provide coverage for long-term care expenses. Follow the steps below to customize your policy.

Step 01

Choose an LTC Coverage Option

The guaranteed LTC benefit is determined when you apply for a policy, subject to approval by the issuing company. This amount can grow based on the LTC coverage option you elect.

Indexed LTC

Benefit amounts have the potential to increase with market gains up to an annual maximum growth rate, but will never drop below the policy’s original amounts.4 You can select to track one or more of the following indices: S&P 500® Index (large cap), Russell 2000® Index (small cap), or MSCI EAFE Index (international).A,B,C

Fixed Growth LTC

Benefit amounts earn 5% compound growth annually, helping to protect against inflation.4

Level LTC

Benefit amounts remain the same over time.

Step 02

Choose Your LTC Benefit Period

Each policy consists of an LTC Acceleration of Death Benefit Rider (LTC ADBR) and an Extension of Benefits Rider (EOBR) that determine the duration of coverage once a claim begins.

LTC ADBR benefit payments reduce the death benefit and policy values. Up to 95% of the policy face amount can be accessed early for LTC expenses. Pays benefits for the first two years of a claim.5
Once benefits from the LTC ADBR have been exhausted, benefits are paid by the Extension of Benefits Rider.6 EOBR benefit payments do not reduce policy values. These provide monthly benefit payments for two or four additional years once LTC ADBR benefits have been used, resulting in a combined payout period of four or six years.5

Step 03

Choose a Premium Payment Schedule

You can choose to make either a single premium payment or annual payments for two to five years.


Brighthouse Simple Underwriting

The traditional underwriting process can make purchasing life insurance complicated and time-consuming. Brighthouse Simple Underwriting is changing that.7 Available for eligible clients ages 40 to 75 and with face amounts up to $1,000,000, Brighthouse Simple Underwriting includes:

  Ages 40 to 65 Ages 66 to 75
Labs or Exams8 None None
Medical Records For significant medical conditions only Yes
Interview None Cognitive
Initial Decision Within 24 hours of receipt of completed application Within 24 hours of completed requirements

Questions to Ask a Financial Advisor:

  1. Does a Brighthouse SmartCare policy fit my needs?

  2. How do I determine the amount of protection I need?

  3. Can I use LTC benefits for home care?

  4. How have the available market indices performed in the past?

  5. Which growth option should I choose to help protect against inflation?

  6. What are the advantages of an indemnity payout of benefits?

  7. Is the policy’s death benefit affected if I receive LTC benefits?