Brighthouse Financial Reviews

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About Brighthouse Financial

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Brighthouse Financial is one of the largest life insurance companies in the United States. The company states its mission is to help clients achieve financial security, and it offers two core products: annuities and life insurance. The company is listed on the Nasdaq stock index under the symbol BHF.

Pros
  • Competitive rates
  • Minimal fees
  • Extensive coverage
  • Cash value buildup
Cons
  • Requires extra steps
  • Limited offerings

Brighthouse life insurance

Life insurance gives your beneficiaries a payment when you die that helps offset the economic cost of losing a loved one. Brighthouse offers three life insurance products:

  • Term life insurance: This product provides coverage for a set amount of years and pays a death benefit if you pass away during the covered term. Common terms for these plans include five, 10, 20 or 30 years. Term life insurance is ideal if you want to ensure you have coverage for a specific period of time or if you need a lower-cost financial protection solution.
  • Permanent life insurance: Unlike term life insurance, permanent life insurance provides coverage for your entire life. Many permanent life insurance products accrue cash value that can be used to supplement retirement income or fund your child’s education. Permanent life insurance products include whole life, variable universal life, universal life and indexed universal life.
  • SmartCare: Brighthouse Financial also offers a hybrid policy option called SmartCare, which combines a death benefit with long-term care funding. SmartCare features permanent life insurance (indexed universal care) that lets you choose between a fixed account or an equity index account to invest the cash value. This option gives you tax-deferred financial growth for retirement and provides a guaranteed death benefit as long as you maintain the premiums. You can choose to pay for a SmartCare policy in a lump sum or in installments across a determined payment schedule.

Brighthouse annuities

Brighthouse Financial annuities are designed to help you save for retirement and provide a steady stream of guaranteed income payments. Payments can be set up to start right away or at a future date, and they can last a specific number of years or for the rest of your life.

Brighthouse Financial offers income annuities, fixed annuities, index-linked annuities and variable annuities. You can only purchase Brighthouse Financial’s annuity products through a financial professional. Financial advisors can be found through your financial institution or through the FINRA BrokerCheck website.

Brighthouse prices

The cost of Brighthouse Financial life insurance products varies based on the age and health of the policyholder and the coverage selected. Policies with longer terms cost more than those with shorter terms.

Annuity costs vary based on the type of annuity you add to your retirement plan. There are several fees associated with buying an annuity, including administrative, add-ons/riders and mortality and expense risks. These fees vary by company.

Brighthouse Financial FAQ

Is Brighthouse part of MetLife?

Brighthouse Financial is an independent company that is no longer part of MetLife. The two companies are not affiliated.

When did Brighthouse Financial spin off from MetLife?

Brighthouse Financial completed its separation from MetLife on August 4, 2017. A few days later, on August 7, 2017, Brighthouse Financial was listed on the Nasdaq stock index under the symbol BHF.

Will Brighthouse Financial pay a dividend?

Currently, the company does not pay dividends on its stock.

Is Brighthouse Financial a good company?

There are hundreds of life insurance and annuity offerings on the market, but Brighthouse Financial does a good job of combining both products. Though the company requires you to hire a financial advisor, its team is helpful and provides additional assistance. Because Brighthouse Financial has competitive rates, minimal surrender fees and strong financial ratings, we think its straightforward products could be a good fit for many people.

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Brighthouse Financial Reviews

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    How do I know I can trust these reviews about Brighthouse Financial?
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    Page 1 Reviews 0 - 10
    Customer ServiceOnline & AppBilling

    Reviewed Jan. 26, 2026

    Customer service is so bad that they #1 don't have a way to set up automated payment on their website. #2 Can tell me if they received an email from me for 24-48 hours. And #3, Told me I could not talk to supervisor for 24-48 business hours. That like 5 days. I wish I could suck at my job as much as this company is unhelpful.

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    Reviewed Jan. 22, 2026

    The worst company ever!!!! My father in law passed left money to the grandkids. After telling them it was to be dispersed via ACH after a month they sent a check and she’s away at college. They are highly incompetent and just stupid in my opinion. Now we have to jump through hoops when all they had to do was do what we asked in the first place. Just horrible experience we had. They should just close down and do something else cause this was ridiculous on so many levels.

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      Customer Service

      Reviewed Jan. 22, 2026

      If possible, I would give them 0 stars! Their customer service is abysmal at best! You can only reach people in the Philippines. They do not give you correct information, and when asked to speak to a manager, they will keep you on hold for over 30 minutes. When you do talk to a supervisor, it is simply some other ** from the Philippines that does not know anything. A stateside manager will never return your call.

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      CoveragePunctuality & Speed

      Reviewed Jan. 7, 2026

      My father purchased this life insurance about 10 years ago. He passed in August of 2025. This company gave us the runaround when it was time to collect. Long story short, I reached out to my State Insurance Commissioner and we finally received the money a few months after my dad's passing. They did not intend to pay. If you're going through the same thing with them, contact your Insurance commissioner in the state you're in. They got it handled fast.

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      Customer ServiceCoveragePunctuality & SpeedStaffHonesty & Transparency

      Reviewed Jan. 2, 2026

      I am wondering if they are having financial difficulties. Customer service and kind and sweet and promises "all set" but month after month they lie "checks are on the way", sent to wrong address - will resend - wait 10-15 days, cant read bank info - so can't direct deposit, wrong ss# - will fix it numbers transposed - "sorry - our error - will fix". Have not received July, August, September, October, November, December - Just got 1 check - post dated for January 9, 2026 - isn't that illegal???

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      Customer ServiceSales & Marketing

      Reviewed Dec. 28, 2025

      My mother passed away 3 months ago and I was left as a beneficiary of an annuity. I filled out all forms and sent in with required notary done where needed etc.

      I have never received a confirmation of receipt. After an extensive run around and multiple hangups I was able to talk to someone in customer service, clearly overseas. I was told they did receive my package and it was in the ``back office`` whatever that is. I was told I would receive confirmation etc. That was three weeks ago. So far, nothing. Not a letter, not an email, nothing. Constant run around on the telephone and absolutely no written correspondence. Terrible company. Next stop is my Congressman´s office I guess. I would never recommend this company to anyone. Total scam.

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      Customer Service

      Reviewed Dec. 4, 2025

      As everyone has indicated by far the worst customer service one can imagine. Beyond frustrating. In an infinite do loop with them not addressing my concern and answering incorrectly. The customer service on the phone is beyond reprehensible. It's as if they are trying to shed customers. Remarkably bad.

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      Customer ServiceCoverageRefunds & PayoutsStaffBilling

      Reviewed Nov. 19, 2025

      I typically do not write reviews. I believe everyone tries their best but in this case I feel totally ignored and neglected. I made a life insurance payment to my regular account not knowing that it changed from MET LIFE to Brighthouse. Met Life sent my payment back. I in turn paid Brighthouse. After they accepted my payment Met Life bounced the refund check that they sent me. I understand that mistakes happen but no one can find my $3700 payment or return it to me. It is impossible to get an English speaking representative on the phone and no one cares.I would not recommend this company and I plan on changing my policy as soon as possible. This has been going on for a month.

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      Customer ServiceStaff

      Reviewed Oct. 31, 2025

      Horrible customer service. I called to update my mailing address. This took over-an hour of my time, speaking to five “customer service” representatives, getting three-conflicting statements. After all this, my address still was not changed.

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      CoveragePricePunctuality & Speed

      Reviewed Oct. 27, 2025

      Horrible. Life Insurance plan rolled over to them. They wanted over 2,000 to keep the plan going. Then 6 months later want over 3,000 to keep the plan going. Both with short notice. Now going forward my father will have a 1000% increase in premium to keep his policy. Because the “cost of the policy increased”. Elderly can’t afford to pay 12,000 a year for a policy.

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        Brighthouse Financial Company Information

        Company Name:
        Brighthouse Financial
        Website:
        www.brighthousefinancial.com