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Introducing Brighthouse Financial

In January 2016, we announced our intent to separate a substantial portion of our U.S. Retail business—a decision driven by a strategic review of our business and the impact of regulatory and economic factors. As a separate company, the U.S. Retail business will benefit from greater focus and more flexibility in products and operations. At the same time, the separation will bring significant benefits to MetLife as we focus even more intently on our group business in the U.S. and our international operations.

The separated U.S. Retail business will be rebranded Brighthouse Financial. The name was chosen to capture the new entity’s optimistic outlook on what it will create for people’s financial futures, coupled with its guiding principles of simplicity and transparency.

Visit brighthousefinancial.com

Frequently Asked Questions
What was the driver of the plan to pursue a separation of the U.S. Retail business?
  • As a result of MetLife’s Accelerating Value initiative, MetLife has been evaluating opportunities to increase sustainable cash generation and direct capital to businesses where it can achieve a clear competitive advantage and deliver a differentiated value proposition for customers. This analysis considers the regulatory and economic environment in each market where we do business.
  • We believe that, as a separate company, the U.S. retail business would benefit from greater focus and more flexibility in products and operations – in short, Brighthouse Financial would be better positioned to deliver value for customers and shareholders.
What is Brighthouse Financial?
  • Upon completion of the separation, Brighthouse Financial will be a major U.S. life insurance and annuity company, with $240 billion of total assets and approximately 2.6 million insurance policies and annuity contracts in force as of June 30, 2016. Brighthouse Financial will be led by Eric T. Steigerwalt, who will serve as president and chief executive officer.
What products will Brighthouse Financial offer?
  • Brighthouse Financial will manufacture life insurance and annuities for the retail market and sell them through third-party distributors.
What will happen to the products that MetLife’s U.S. Retail business currently manufactures?
  • Once separated, Brighthouse Financial expects to continue to offer some of the same products that MetLife’s U.S. Retail organization sold prior to the separation. 
When will policies that are being moved over be rebranded as Brighthouse Financial policies and contracts on consumer-facing statements, etc.?
  • If the insurance company which issued the policy becomes a subsidiary of Brighthouse Financial and is separated from MetLife, you would likely begin to receive legally required correspondence and notifications soon. 
Is my policy still secure?
  • Yes. Each of the two separated companies would be closely regulated, well capitalized, and capable of meeting all policyholder obligations.
As a policyholder, do I have to do anything as a result of the U.S. Retail separation? Is there any cost to me as a result of the separation?
  • No action is required on your part at this time. If the insurance company which issued your policy becomes a subsidiary of Brighthouse Financial and is separated from MetLife, you will likely begin to receive legally required correspondence and notifications. Should you need to take any action, it will be noted in the communication. 
Will the separation change the way I pay my policy?
  • There will be no immediate changes in how you pay your premiums (by whatever method). The terms of your policy will remain the same and will be serviced at the same location. If there is any change in the future, you will be notified about it promptly in writing and with plenty of advance notice. Please keep your contact information up to date so we can communicate with you on a timely basis.
Will I have the same Financial Services Representative?
  • Yes, and you may continue to reach out to your Financial Services Representative for questions regarding your policy or contract.
How does this impact my policy with MetLife?
  • It will have no impact on your policy. The same terms and conditions apply and the same premiums will need to be paid. Neither your rights under your policy nor the premiums payable will be impacted by this action. Owners of inforce individual life insurance policies will get an endorsement changing the name of the issuing company for their policies.   
Will my policy remain with MetLife or will it be transitioned to Brighthouse Financial?
  • If you have a group or an Auto & Home contract, there is no change; your policy will remain with MetLife.
  • If you have an individual life insurance policy or annuity contract, and it was issued by one of these companies, assuming the separation described in the Form 10 is ultimately executed, the company that issued your policy WOULD BE TRANSITIONED to Brighthouse Financial under the:
           First MetLife Investors Insurance Company
           MetLife Insurance Company USA
           New England Life Insurance Company
  • If you have an individual life insurance policy or annuity contract, and it was issued by one of these companies, assuming the separation described in the Form 10 is ultimately executed, the company that issued your policy WOULD NOT transition to Brighthouse Financial:
           General American Life Insurance Company
           Metropolitan Life Insurance Company
           Metropolitan Tower Life Insurance Company
How will the servicing of my policy be impacted?
  • For now, the contact telephone numbers you currently have for service will remain the same. You can continue to log into your account at MetLife.com. 
Can I still purchase a MetLife U.S. Retail product? How do I purchase a Brighthouse Financial product?
  • Assuming the separation described in the Form 10 is ultimately executed, the parts of the U.S. Retail segment that will stay with MetLife would generally no longer write new retail life and annuity business post-separation.
  • If you would like to purchase a life or annuity product, you may reach out to your Financial Services Representative to learn more. 
What if I want to cancel, convert, or make other changes to my policy?
  • You may continue to do so, as provided for in your contract or policy. The same terms and conditions apply to your policy or contract. If you work with a financial professional, you can contact that financial professional at your discretion. 
Will the product portfolio I currently have, which includes life insurance conversions, still be available to me?
  • We will honor all contractual obligations. Life conversions will still be available if your contract gives you the right to convert to a life insurance product. However, the product offerings available for conversion will change.
I have MetLife insurance through my employer. What happens to that?
  • We do not anticipate any changes to your employer-sponsored benefits through MetLife as a result of any execution of the separation described in the Form 10. 
Who can I call for more information?

For General Inquiries:

1-800-638-5433

Life Insurance Policies:

1-800-638-5000

Individual Annuities:

1-800-638-7732

Disability Policies:

1-800-929-1492

Total Control Account:

1-800-638-7283

Group Annuities:

1-800-560-5001

Brighthouse Financial (and design) is a service mark of MetLife Insurance Company USA.