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Brighthouse Life Insurance Life Insurance Ratings
Ranked
No. 3 Overall
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Reasons for Buying from Brighthouse Life Insurance
Customers of Brighthouse Life Insurance originally decided to purchase from the company for these reasons:
| Reputation | 22% |
| Offered best price | 19% |
| Saw online ad | 16% |
| Recommended by friend or family member | 15% |
| Was the company my parents had | 11% |
| Financial Strength rating | 6% |
| Saw TV commercial | 6% |
| Other | 3% |
| I had other insurance with this company | 1% |
| The company website and mobile apps are easy to use and helpful | 1% |
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About Brighthouse
Life Insurance Policies Offered:
- Term life
- Guaranteed acceptance whole life
- Whole life
- Universal life
- Variable Universal life
- Survivorship life
Best Life Insurance Companies: Brighthouse Life Insurance
Brighthouse performed extremely well in the Best Life Insurance Company survey, coming in third in the overall rankings, earning 4.5 stars. Brighthouse grabbed a score of 88.4 in the pricing category and also came in second in the customer service ranking, with a score of 89. The company also got the top spot in the website and app store category.
Gauging an insurance company
Before buying with a company, it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Brighthouse's financial strength to pay claims. A complaint index can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint index from the NAIC is always 1.00. This means that a company with a complaint index of 2.00 is twice as high as expected in the market. Brighthouse Life Insurance's company share of complaints in the U.S. market in 2018 in the category of individual life was .59% and group life was 0%.
Company Background
Brighthouse Financial traces its roots back to Travelers Insurance Company, which was founded in Hartford, CT, in 1863. In February 1923, Travelers issued a life insurance policy that would become the oldest policy on the books when Brighthouse Financial launched 94 years later.
In 1996 Metropolitan Life Insurance Company merged with the then-parent company New England Life Insurance Company. That later became one of the insurance company subsidiaries of Brighthouse Financial. In August 2017, Brighthouse Financial completed its separation from MetLife, Inc. and became an independent company with operations headquartered in Charlotte, NC. The end result is MetLife continues on but now focuses on selling products to companies to be used as employee benefits, such as group insurance and Brighthouse Financial offers insurance products via financial professionals.
Through its insurance company subsidiaries, Brighthouse Financial is licensed to issue life insurance and annuity products in all 50 states. It’s one of the largest providers of annuities and life insurance in the U.S.
Contact information
Corporate Headquarters
Brighthouse Financial,
11225 North Community House Road
Life insurance customer service: 800-638-5000
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"It sounded good from the hype..but the yearly fees and limitations are not to my full benefit"
"I find their online webpages better than giving information in person. That becomes a detailed and most trusted way of dealing with them."
"The underwriting process was tedious but everything since then has been fine."
"The policy serves my needs"
"Suits to my current needs. I will think about the future."
"No problem with them but don't do much with them"
"Price is affordable, not so high as others I checked out"
"No problem yet and the price is also fair"
"I do not have any dealings with the company that cannot leave an opinion on this. I paid them once a year haven't had any problems"
"I don't have anything to share about them. It works for me but just neutral on them"
"I wouldn't recommend this company because when they sold me the policy, they misrepresented it."
"They had great customer service but it was better before Brighthouse took over."
"It is an ok company with a lot of turns over."
"I have not had any interaction with this company other than premiums I have not had any bad experiences"
"Nothing in particular that good or bad with them"
"The only contact I have with them is when it is time for renewal. "
"No problem with the company."
"Term life policy premium increases appreciably in two years. Will likely not renew and drop the coverage at that time. A whole life policy is linked to an annuity so will keep it in force. Obviously, the thing I like least is the premium increase I am facing on the term policy in two years which will make the coverage too expensive to continue. For the beneficiary (my wife) the outlay does not justify the benefit upon my death. Term life served a purpose early on but that need is now behind us financially."
"I want to get money out of life policy and doesn't seem like that is allowed. "
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"The reliable name for us and like them so far."
-Age 18-36, California"They are honest, very quick to answers your call"
-Age 18-36, Maryland"Friendly agents and the best price. No hidden charges."
-Age 18-36, California"The claim amount is satisfiable and they took care of all the formalities and I am quite satisfied with the services"
-Age 18-36, Arizona"I hope it continues like this as easy to set up policy and work with company."
-Age 18-36, California"They are easy to do business with"
-Age 18-36, Massachusetts"Very convenient prices and additional services in general pretty good"
-Age 18-36, New York"Excellent coverage"
-Age 18-36, Arkansas"Good company"
-Age 18-36, California"Good company values, easy to understand the policy and trusted people."
-Age 18-36, California"My best friend recommended me about this company. I also experienced good customer service from them."
-Age 18-36, Kansas"Easy to understand the process. Safe for the future."
-Age 18-36, Montana"The familiar, good reputation and good experience"
-Age 18-36, Colorado"Easy to understand the policy. No hidden charges."
-Age 18-36, Delaware"Fix problems and answer questions very quickly"
-Age 18-36, California"Good ratings for this company. You can trust them."
-Age 18-36, California"No extra charges included. All conditions are easy to understand. Would recommend."
-Age 18-36, Nevada"Nice people, doing great with their customer service"
-Age 18-36, New York"This company worth the money. Trusted name and good service."
-Age 37-52, Idaho"Long relations exist with the company due to great services they offer."
-Age 37-52, Florida"A very easy company to deal with. Not so overbearing with sending you a ton of confusing paperwork but the actual customer service representatives are really willing to sit down and help you figure out the best policy plan for you and your family. I feel like they really take the time to get to know you and understand what kind of a household you have and what your plans are for your future."
-Age 37-52, Illinois"Good reputation in the market."
-Age 37-52, Montana"Reputed names and heard good things from parents so bought my own policy with them."
-Age 37-52, California"Bought with them because they have the best coverage with moderate rates."
-Age 37-52, New Jersey"Good reputation in the marketplace."
-Age 37-52, New York"Global name and good promotions and offerings."
-Age 37-52, California"I felt that representative care about my concerns with had a positive attitude"
-Age 37-52, Arizona"Among all others in the market, their services are best I believe"
-Age 37-52, Arkansas"This is a very good company and service is also good"
-Age 37-52, Arkansas"Price is not so expensive, it's reasonable"
-Age 37-52, Florida"Using their mobile app makes it so simple"
-Age 37-52, New Jersey"Service is good in term of the policy and offerings"
-Age 37-52, Arkansas"The best life insurance company I have dealt with"
-Age 37-52, California"They offer very affordable life insurance policies and are very helpful when you have questions."
-Age 37-52, Mississippi"They are personable and knowledgeable. I feet I can trust them."
-Age 37-52, Pennsylvania"This insurance company has offered a great policy at a great price. Their customer service is excellent."
-Age 37-52, Florida"Best customer service. Always ready to help."
-Age 37-52, Idaho"Great rate so far and no problems."
-Age 37-52, North Carolina"Great way to deal with them is by using company app"
-Age 37-52, Arizona"Their app is very easy to handle/operate"
-Age 37-52, Arkansas"Company provides the best policy according to the requirement of customer"
-Age 37-52, Arkansas"The service they provide is top notich"
-Age 37-52, Maryland"Top service levels, helpful agents "
-Age 37-52, California"My experience with my insurance had been a positive one. They have been helpful and understanding on the phone. Like the times I was to be paid it was a very quick and easy process."
-Age 37-52, Connecticut"Easy online support due to their app"
-Age 37-52, Delaware"I would tell friends and family that my insurer offers competitive rates as well as great customer services. I would recommend to friends and family."
-Age 37-52, Georgia"Policy offerings, price and company app are all good"
-Age 37-52, Indiana"The reputed company, saw many advertisements and like the way of communication. Clear and easy."
-Age 37-52, California"Overall no problem -- affordable and customer service is great. No problems at all."
-Age 37-52, Massachusetts"Easy to use the app, and nice cost."
-Age 37-52, Alaska"By implementing app, it made the process so fast and easy. "
-Age 37-52, Colorado"Nice service and good past record and reputation"
-Age 37-52, New Jersey"Offerings are great and good service and help on picking the best policy for my needs"
-Age 53+, Arkansas"Website and mobile app is a nice way to reach them"
-Age 53+, Connecticut"The scale of service is quite nice/good"
-Age 53+, Florida"Good pricing, what more can you ask for?"
-Age 53+, Florida"The best part is the price is low"
-Age 53+, Idaho"Nice positive performance with good assistance."
-Age 53+, Iowa"Good company with great service and price"
-Age 53+, New Jersey"Good policy with discount offers on certain items"
-Age 53+, New Jersey"Superb policy and nice coverage and benefit offerings"
-Age 53+, New Jersey"Very effective policy in a positive way"
-Age 53+, New Jersey"Easy to set up online offers different policies for different needs or financial needs"
-Age 53+, Arkansas"Act positive way and fast too"
-Age 53+, Florida"Some extra benefits with nice coverage policy"
-Age 53+, New Jersey"Quick to answe questions if any related to policy already in place"
-Age 53+, Arizona"Good price and good service provided by them."
-Age 53+, Florida"They are a well-known trusted brand with employees who are helpful"
-Age 53+, Ohio"They care and are concerned about their clients"
-Age 53+, Arkansas"We all have different needs so you need an insurance company that recommends the best products for your needs and they do that!"
-Age 53+, New York"Many offers, and reasonable price."
-Age 53+, Illinois"Expertise in providing service on time"
-Age 53+, New Jersey"Great experience"
-Age 53+, Pennsylvania"They are a good company with good representatives."
-Age 53+, Michigan"The company has been around a long time and has a good reputation. They offer good products tailored for all folks at a good price. They are a stable company."
-Age 53+, Maine"Great customer service"
-Age 53+, Pennsylvania"After calling around to different companies this was the best for the amount of money that I could afford each month. Great salesman & explained all of the different policies."
-Age 53+, Texas"I've had my insurance with this company for 40 years. There is never a problem"
-Age 53+, South Carolina"Easy to purchase a policy."
-Age 53+, Minnesota"It is a good company with a wide assortment of plans. Very helpful people."
-Age 53+, West Virginia