Brighthouse Financial
One of the largest U.S. annuity and life specialists - the former retail business of MetLife, independent since 2017 and built solely around retirement and protection - carrying A-range financial-strength ratings from all four major agencies.
Financial strength
A
AM Best
A
S&P Global
A3
Moody's
A-
Fitch
A rated (4 agencies)
Brighthouse Life Insurance Company carries A (Excellent) from AM Best, A from S&P, A3 from Moody's, and A- from Fitch - all with stable outlooks.
MetLife heritage
Brighthouse is the former U.S. retail life & annuity business of MetLife, spun off as an independent public company (Nasdaq: BHF) in 2017.
Retirement specialist
A pure annuity and life company - no commercial or P&C lines - and a recognized industry leader in registered index-linked annuities (its Shield suite).
~$242B in assets
Approximately $242 billion in total assets and more than 2 million customers as of year-end 2025.
Fixed-rate shelf on ARHQ
On ARHQ, Brighthouse's live shelf is its SecureKey fixed indexed annuity and its Fixed Rate Annuity MYGA (with and without a market-value adjustment).
Run live numbers on Brighthouse Financial products
Choose a product type, then select a current product. The analyzer shows the values returned for your premium, age, state, and timing, and leaves out fields that are not published for that selection.
Income FIAs
Selected product: Brighthouse SecureKey 10-Year
An income-focused fixed indexed annuity group for comparing rider-driven lifetime-income scenarios.
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Explore Brighthouse Financial products
Brighthouse Financial’s lineup, grouped by what each product group is built to do. Current rates are pulled from the daily carrier rate service.
Fixed Index Annuity - Lifetime Income
Income-oriented indexed annuities where the product page shows the current rider or built-in income mechanics when available.
- Income-focused FIAs grouped for rider and payout comparison
- Income details stay product-specific and live on each review page
Best for: Retirement-income buyers comparing guaranteed withdrawal, payout, and deferral mechanics product by product.
Rates are pulled live from CANNEX via the AdvisorWorld data feed · 2026-07-11. Caps, payout rates, and guaranteed rates vary by state, premium band, and rider election — confirm current terms on each product page.
Free Comparison Report
Get Brighthouse Financial's current rate report
Compare Brighthouse Financial's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Find your fit
Start with the job for the money, then open the live Brighthouse product page that matches that goal.
How lifetime income builds
See how a guaranteed-income benefit can turn a premium into lifetime income using this carrier’s current income terms.
Lifetime withdrawal rate
5.7%
10-yr illustration
Income-base roll-up
7%
simple, up to 10 yrs
Annual fee
1%
benefit charge
Premium
$100,000
Income base · yr 10
$170,000
Annual lifetime income
$9,690
Simplified illustration using this income option’s current simple income-base roll-up over 10 years, then its 5.7% lifetime withdrawal rate. Index credits, interest bonuses, and step-ups can change the result; exact figures require a carrier illustration.
Company overview
What Brighthouse Financial is
Brighthouse Financial, Inc. (Nasdaq: BHF), headquartered in Charlotte, North Carolina, is one of the largest providers of annuities and life insurance in the United States. It was formed from MetLife's former U.S. retail business and operates solely in retirement and protection - it has no commercial or property-casualty operations.
Checked 2026-06-30 · ARHQ carrier coverage
Products are distributed exclusively through financial professionals - national and independent broker-dealers, banks, independent advisors, and insurance agencies - across more than 400 firms, with registered products offered through Brighthouse Securities, LLC.
Checked 2026-06-30 · ARHQ carrier coverage
On ARHQ, Brighthouse product cards are intentionally live-data driven: the profile supplies story and context, while product availability, rates, riders, caps, and guaranteed terms come from CANNEX-backed feeds at render.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Scale, labeled
Independent since
2017
Spun off from MetLife as an independent public company (Nasdaq: BHF).
Independent 2017 · ARHQ carrier coverage
Total assets
~$242B
Approximately $242 billion in total assets as of Dec 31, 2025.
As of Dec 31, 2025 · ARHQ carrier coverage
Customers
2M+
More than 2 million annuity and life customers.
As of Dec 31, 2025 · ARHQ carrier coverage
Ratings
A (4 agencies)
A AM Best, A S&P, A3 Moody's, A- Fitch.
Checked 2026-06-30 · ARHQ carrier coverage
History highlights
In 2016 MetLife announced plans to separate its U.S. retail life and annuity business into a standalone company.
Announced 2016 · ARHQ carrier coverage
In 2017 Brighthouse Financial began trading as an independent public company on the Nasdaq under ticker BHF.
Independent 2017 · ARHQ carrier coverage
Since the spin-off, Brighthouse has concentrated on annuities and life insurance, with its Shield suite becoming a flagship registered index-linked annuity (RILA) platform.
Checked 2026-06-30 · ARHQ carrier coverage
From MetLife spin-off to independent specialist
Brighthouse became an independent, publicly traded company in 2017 when MetLife separated its U.S. retail life and annuity business. It inherited decades of customer relationships, distribution, and in-force policies rather than building from scratch.
Independent since 2017 · ARHQ carrier coverage
A proposed acquisition of Brighthouse Financial by Aquarian Capital has been approved by Brighthouse stockholders and is subject to customary closing conditions and regulatory approvals. Policy guarantees remain the obligations of the issuing insurance company.
Pending regulatory close · ARHQ carrier coverage (live page, Jun 2026)
Brighthouse's annuity guarantees are backed by its issuing insurers - Brighthouse Life Insurance Company, and Brighthouse Life Insurance Company of NY for New York contracts.
Checked 2026-06-30 · ARHQ carrier coverage
Financial strength
AM Best
CurrentA
Excellent financial-strength rating with a stable outlook (Brighthouse Life Insurance Company).
Checked 2026-06-30
S&P Global
A
Strong capacity to meet financial commitments; stable outlook.
Checked 2026-06-30
Moody's
A3
Upper-medium grade with low credit risk; stable outlook.
Checked 2026-06-30
Fitch
A-
Strong capacity to meet policyholder obligations; stable outlook.
Checked 2026-06-30
What makes Brighthouse Financial different
MetLife-scale balance sheet, retirement focus
Brighthouse launched with the scale, distribution, and in-force book of MetLife's U.S. retail business - roughly $242 billion in assets and 2 million-plus customers - but is dedicated solely to annuities and life, with no commercial or P&C lines to dilute focus.
Checked 2026-06-30 · ARHQ carrier coverage
A-range strength across four agencies
Brighthouse Life Insurance Company holds A (Excellent) from AM Best, A from S&P, A3 from Moody's, and A- from Fitch, all stable - a consistent A-range profile across every major agency.
Checked 2026-06-30 · ARHQ carrier coverage; rating agencies
A RILA pioneer
Brighthouse is widely recognized as a leader in registered index-linked annuities through its flagship Shield suite, alongside its fixed indexed, fixed-rate, and income annuity lines.
Checked 2026-06-30 · ARHQ carrier coverage
Advisor-distributed shelf on ARHQ
The products visible here are the SecureKey fixed indexed annuity and the Fixed Rate Annuity MYGA (with and without a market-value adjustment) - a narrower set than Brighthouse's full national catalog, with the live detail on each product page.
At render · ARHQ product catalog; CANNEX via AdvisorWorld
About Brighthouse Financial
Brighthouse Financial, headquartered in Charlotte, North Carolina, is one of the largest annuity and life insurers in the U.S. Built from MetLife's former retail business and independent since 2017, it focuses entirely on helping people protect savings and turn them into retirement income.
Checked 2026-06-30 · ARHQ carrier coverage
The company carries A-range financial-strength ratings from all four major agencies and reaches savers exclusively through financial professionals across more than 400 firms. A pending acquisition by Aquarian Capital, stockholder-approved and awaiting regulatory close, does not change the issuing insurers behind the guarantees.
Checked 2026-06-30 · ARHQ carrier coverage
On ARHQ, Brighthouse product pages stay product-specific: the carrier hub frames the lineup and routes each live product to its own page for current rates, riders, state availability, and disclosures.
At render · ARHQ carrier-page architecture; CANNEX via AdvisorWorld
Free Comparison Report
Get Brighthouse Financial's current rate report
Compare Brighthouse Financial's live rates, carrier ratings, and product tradeoffs against alternatives in one personalized report.
Sources
- Brighthouse Financial corporate site — 2026-06-30
- ARHQ carrier coverage - Brighthouse overview, MetLife spin-off (2017), scale (~$242B assets, 2M+ customers, Dec 31 2025), ratings (A/A/A3/A-), pending Aquarian Capital acquisition — Checked 2026-06-30
- Live product catalog (SecureKey FIA; Fixed Rate Annuity MYGA with and without MVA), rates, riders: CANNEX via AdvisorWorld public API — At render