Brighthouse Financial

Brighthouse Financial offers a wide variety of annuity products. Their income, fixed, indexed and variable annuities support their mission of helping people achieve financial security by providing guaranteed lifetime income.

  • Written By
    Jennifer Schell

    Jennifer Schell

    Financial Writer

    Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA).

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  • Edited By
    Savannah Pittle
    Savannah Pittle, senior financial editor for

    Savannah Pittle

    Senior Financial Editor

    Savannah Pittle is an accomplished writer, editor and content marketer. She joined as a financial editor in 2021 and uses her passion for educating readers on complex topics to guide visitors toward the path of financial literacy.

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  • Financially Reviewed By
    Timothy Li, MBA
    Timothy Li, MBA Headshot

    Timothy Li, MBA

    Business Finance Manager

    Timothy Li, MBA, has dedicated his career to increasing profitability for his clients, including Fortune 500 companies. Timothy currently serves as a business finance manager where he researches ways to increase profitability within the supply chain, logistics and sales departments.

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  • Updated: July 1, 2023
  • 5 min read time
  • This page features 11 Cited Research Articles
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Why You Can Trust has provided reliable, accurate financial information to consumers since 2013. We adhere to ethical journalism practices, including presenting honest, unbiased information that follows Associated Press style guidelines and reporting facts from reliable, attributed sources. Our objective is to deliver the most comprehensive explanation of annuities and financial literacy topics using plain, straightforward language.

Our Partnerships, Vision and Goals

We pride ourselves on partnering with professionals like those from Senior Market Sales (SMS) — a market leader with over 30 years of experience in the insurance industry — who offer personalized retirement solutions for consumers across the country. Our relationships with partners including SMS and Insuractive, the company’s consumer-facing branch, allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make an even stronger resource for our audience. We may also, at times, sell lead data to partners in our network in order to best connect consumers to the information they request. Readers are in no way obligated to use our partners’ services to access the free resources on carefully selects partners who share a common goal of educating consumers and helping them select the most appropriate product for their unique financial and lifestyle goals. Our network of advisors will never recommend products that are not right for the consumer, nor will Additionally, operates independently of its partners and has complete editorial control over the information we publish.

Our vision is to provide users with the highest quality information possible about their financial options and empower them to make informed decisions based on their unique needs.

About Brighthouse Financial

Brighthouse Financial traces its origins back to Travelers Insurance Company, founded in Hartford, Connecticut in 1863. Travelers Insurance initially sold life insurance policies but began selling annuities in 1938.

Through a series of acquisitions and mergers in the 1990s, the company transformed into Brighthouse Financial, which was a subsidiary of MetLife, Inc. until 2016. By 2017, Brighthouse was licensed to sell life insurance and annuity products in all 50 states and began trading on Nasdaq under the symbol “BHF”.

In 2022, Brighthouse Financial was No. 468 on the Fortune 500 list. As one of the largest annuity and life insurance providers in the nation, Brighthouse manages nearly $199 billion in total assets as of June 2022.

Did You Know?

Existing Brighthouse annuity customers can contact the company’s customer service department at the following number:
(800) 882-1292

Credit Ratings

An annuity provider’s credit ratings, also known as financial strength ratings, give consumers a picture of the company’s overall financial stability. These ratings are issued by independent credit rating agencies to help customers make an informed choice when purchasing an annuity. The higher the company’s credit ratings are, the more likely they are to meet their financial obligations.

Brighthouse Financial has received strong scores from all four of the major credit rating agencies: AM Best, Fitch Ratings, Moody’s and Standard & Poor’s.

Brighthouse Financial Credit Ratings

Credit Agency
AM Best A (Excellent)
Fitch Ratings A (Strong)
Moody’s A3 (Upper Medium)
Standard & Poor’s A+ (Strong)
Source: Brighthouse Financial

Annuities Offered by Brighthouse Financial

Brighthouse Financial offers a wide variety of annuity products to suit the unique needs of their customers. The annuities offered can be sorted into four categories: income annuities, fixed annuities, indexed annuities and variable annuities.

Income Annuities

Income annuities are different from other types of annuities in that the premium used to purchase the annuity does not go through an accumulation period. Instead, the principal is immediately converted into a stream of income payments.

Brighthouse offers two types of income annuities. Customers can choose an immediate income annuity, which allows them to begin receiving payments as soon as the contract starts and continue receiving payments for the rest of their life or the rest of theirs and another person’s life.

The Guaranteed Income Builder® is the other type of income annuity Brighthouse offers. This product is a deferred income annuity, meaning that it provides future guaranteed income down the road.

Fixed Annuities

A fixed rate annuity offers guaranteed growth of an initial premium over time. The premium earns interest based on a fixed rate that’s guaranteed for part of the accumulation period, and then can be renewed for a subsequent period at the same or a different rate.

Brighthouse sells a single premium deferred fixed annuity product. This product is purchased with a single lump sum payment, called the premium. The premium accumulates interest at a fixed rate for three, five or seven years. Then, the annuity holder can choose to renew the contract or start receiving income payments for the rest of his or her life.

Indexed Annuities

Indexed annuities accumulate interest based on two factors: a fixed rate that remains constant and a rate based on the growth of an equity market index. This type of annuity offers principal protection and guaranteed growth with the potential to earn even more in strong market years.

Brighthouse Financial’s Shield Level annuity is tied to the growth of the holder’s choice of market index. Annuity customers can choose from the S&P 500 Index, the Russell 2000 Index and the MSCI EAFE Index.

Variable Annuities

A variable annuity is similar to an indexed annuity in that both products are linked to the growth of an equity market index. Unlike an indexed annuity, a variable annuity’s value is determined by the index’s performance with no additional fixed growth rate and no cap on how much the annuity’s value can grow. This means that variable annuities have the potential for higher returns than an indexed annuity, but also the potential to lose some of the annuity’s value due to weak market performance.

The variable annuity product Brighthouse offers features guaranteed income payments for life with the option for spousal income continuation. Brighthouse allows you to build a customized investment portfolio to determine where your annuity’s value will be allocated.

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Client Resources

Brighthouse Financial’s online Help Center provides customers with answers to frequently asked questions and guidance on account management and servicing issues. Customers can also call the company’s Customer Service Center to obtain annuity forms and ask any questions not answered on the site.

Brighthouse also serves its community through its charitable organization, the Brighthouse Foundation. This organization provides grants to nonprofit groups that support women, children, veterans and the arts. In 2020, the Foundation’s reach expanded to include support for COVID-19 relief and social justice advocates.


If you have an annuity with Brighthouse Financial, you can log into your account at:

Brighthouse Financial’s Account Login Page

About has provided reliable, accurate and trustworthy financial information to readers since 2013. We partner with professionals like those from Senior Market Sales (SMS), a market leader with over 30 years of experience in the insurance industry, to offer personalized retirement solutions for consumers across the country.

Any information offered about the company above is provided free of charge and individual product offerings are verified and accurate as of publication.

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Last Modified: July 1, 2023