Brighthouse (formerly MetLife), an A+ rated company founded in 1868, has a fast track process for younger applicants with no major health issues in their medical history, a rare offering among life insurance companies. They also feature competitive underwriting for some major health conditions.
Brighthouse (formerly MetLife) has a faster than average application turnaround time, but unfortunately they make everyone go through an extra phone interview with an underwriter. They have very competitive underwriting and a fast track process for applicants with no significant health history.
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Brighthouse (formerly MetLife) has won multiple awards, including Celent’s Model Insurer of the Year award in 2014 and being named #1 Life and Health Insurance company in Fortune magazine’s “World’s Most Admired Companies” in 2015.
Each insurer approaches health conditions differently. One insurer might ignore a heart attack from a few years ago, whereas a different insurer might rate you as a higher risk for the same thing. Here are the details of how Brighthouse treats a variety of common health conditions from an underwriting perspective.
|Recent Weight Loss||Fair|
|Former Tobacco Use||Excellent|
|High Blood Pressure||Good|
Excellent - Above average; company provides excellent coverage for clients with this condition.
Good - Spot on; company doesn’t look at this condition unfavorably in underwriting.
Fair - Could use some work; clients with this condition may be issued a lower health rating, and subsequently higher rates than other insurers.
After you're a policyholder
Quote for: $500,000, 20-year term life insurance policy for healthy, nonsmoking individuals, in California, monthly premiums
|Company||Plan||Male - Age 30||Male - Age 40||Male - Age 50||Female - Age 30||Female - Age 40||Female - Age 50|
|Mutual of Omaha||Term Life Answers||$21.66||$33.47||$85.53||$23.41||$28.66||$64.09|
|Pacific Life||Pacific PROMISE Term||$20.84||$29.59||$77.09||$19.18||$26.68||$61.67|
|Protective||Custom Choice UL||$20.37||$28.91||$76.82||$17.93||$25.25||$55.75|
|Protective||Classic Choice Term||$20.21||$28.38||$75.68||$17.63||$25.94||$55.47|
|Prudential||Return of Premium Term||$101.00||$143.62||$291.99||$88.12||$130.04||$253.37|
|SBLI||Level Premium Term||$21.32||$40.05||$96.06||$24.48||$34.71||$65.87|
Annual Payment Discount
Payment methods available
Check; Auto bank draft (for monthly payments only); No credit cards accepted
Is coverage available without a medical exam?
What is the rule for converting the policy?
If issued before age 65, the policy is convertible until the earlier of the end of the term period or on the age 70 policy anniversary.
Is temporary coverage available?
Yes, up to $1,000,000.
Riders are additions to your overall life insurance policy that turn a basic life insurance policy into something that covers more circumstances.
Disability Income Rider
If you become totally disabled as a result of a qualifying event, you will not have to pay premiums for a fixed period of time.
Accelerated Death Benefit Rider
Allows you to receive a portion of the death benefit if you are diagnosed with a qualifying terminal illness.
This policy, like all term life policies offered on our site, provides life coverage for a specific period of time (the term). The key features of this policy are standard across all the term policies we offer:
The review on this page is only for this company's term life insurance products.