
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
finder.com's rating: 4 / 5
★★★★★
18 to 75
Issue Age
$1,000,000 to N/A
Coverage
Yes
Medical Exam Required
Policies | Term, Whole |
---|---|
Coverage maximum | N/A |
Term lengths | 1, 5, 10, 20, 30 years |
Medical exam required | Yes |
Available states | Nationwide |
Issue age | 18 - 75 years old |
Riders |
Accelerated death benefit rider Conversion rider Critical illness benefit rider Disability income benefit rider Long-term-care rider Term insurance rider Waiver-of-premium rider |
---|
Review by
Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).
Brighthouse is a reputable choice for life insurance if you’re looking for term or universal coverage. It has competitive rates and comprehensive plans — but you can find more flexible policies with another company.
Brighthouse also only offers high dollar policy amounts. If you’re looking for something within the $50,000 to $200,000 range you’ll have to find another provider.
Brighthouse offers a mix of term and permanent policies.
Brighthouse allows policyholders to customize their coverage with common riders, including:
Brighthouse Financial isn’t accredited with the Better Business Bureau (BBB), but it holds an A+ rating for its customer interaction. The BBB has recorded 45 complaints in the past three years, all of which were promptly resolved by the insurer. Many of the complaints honed in on billing and communication issues.
In JD Power’s latest life insurance study, Brighthouse ranked 17th of 22 insurers surveyed. It earned 2 out of 5 circles, which indicates there is room to improve when it comes to customer service and satisfaction.
You can’t purchase a policy directly through Brighthouse — you’ll need to go through a personal financial advisor.
If you don’t already have an advisor, Brighthouse offers guidance for finding and working with one in the Education section of its website.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our experts analyze life insurance companies to help you to find the strongest possible policy and premium for your family’s needs. We assess their financial strength, customer satisfaction, policy features and riders. We then give each insurer a score between one and five stars that reflects their offering and reputation in the industry.