Term Life Insurance | Brighthouse Financial
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Brighthouse Financial, Charlotte, NC 28277.

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

Term Life Insurance


Protecting their loved ones is why so many people turn to life insurance.

A simple and powerful protection solution, Term Life Insurance offers coverage for a fixed number of years. Term durations can vary depending on the length of coverage needed. The policy will pay a death benefit if you pass away during the term.1

Many term policies offer a level premium for a guaranteed period of time. Some term policies may also include the ability to convert to a permanent policy if needs change.

Term life insurance may be suitable for those who want:
Cost-Effective Insurance Protection
Cost-Effective Insurance Protection

Acquire insurance for a specific period of time, which may result in obtaining the greatest death benefit protection for a lower cost, compared to permanent life insurance products

Income Replacement
Income Replacement

Ensure funds are available during a specific period to help pay expenses (e.g.: a home mortgage or outstanding debt) in the event of the Insured’s death

Options if Your Needs Change
Options if Your Needs Change

Purchase a potentially lower cost protection solution with the ability to convert to a permanent policy after the term ends

Brighthouse One Year Term

Often, we think of life insurance as a long-term solution, but situations can arise when protection is needed for a shorter period of time. Brighthouse One Year Term is a life insurance product that delivers guaranteed, affordable protection.

It is designed to deliver the right amount of protection when it’s needed most, or to supplement an in-force policy.

Convertible and Renewable Options Rider
Only available at the time of policy purchase, this rider allows you to extend your coverage to five years at the end of the term.

Additionally, after the first year of coverage, this rider lets you convert your policy to Brighthouse Conversion Whole Life – without the need for additional underwriting.