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Brighthouse SmartCare®
e-Application Process

The Brighthouse SmartCare application process is a unique and streamlined way to provide clients with valuable coverage.
Please follow the instructions below to ensure the best experience for you and your customer.

Licensing and Appointment
Sales Process
e-App Experience
Policy Approval, Issue, and Delivery

Licensing & Appointment

Already appointed? Skip to the Sales Process section.

service
  • You must be properly licensed for life insurance or life, accident, and health as determined by state long-term-care (LTC) licensing requirements. You can be appointed at application submission unless the business is signed in Pennsylvania, which requires pre-appointment.
  • Brighthouse Financial Licensing Requirements:
    • LTC certification/training as required by signing state, or by signing and resident state, where required by law.
    • If needed, Brighthouse Financial can provide you a code to complete the required LTC continuing education course through the RegEd online platform.
      • Alternative distribution only, must have LIMRA AML training
    • Advisors should login to EasyLife and complete contracting on SureLC via the Get Appointed link. If the Financial Professional needs assistance or has questions, they should contact brokercontracting@highland.com.
    • Once the licensing appointment is complete, the Broker Onboarding team will provide Highland contracting and you with an ID comprised of the NPN and a three-digit code.

    Remember, you must have your LTC certification to provide this product to your customers.

 

Sales Process

Brighthouse SmartCare reduces the work needed to provide this coverage to your customers into three easy-to-complete sections.

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1. PREPARE

Work with your wholesale team to run and provide illustrations that fit your customer’s plan. In addition, you will also need to start the Pre-Qualification Checklist, the SmartCare Prep tool, and the HIPAA Business Associate Agreement:

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2. PROPOSE

Meet with your client to review the illustration and Pre-Qualification Checklist. Assuming the customer moves forward and is a good candidate for Brighthouse SmartCare, complete the Brighthouse SmartCare Prep Tool with the customer.

Remember, the client’s email and phone number must be accurate so your Brighthouse Financial team can ensure an excellent application experience.

 

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3. PROVIDE

Once sale is agreed upon, the Financial Professional submits the Brighthouse SmartCare Prep Tool with the Proposed Insured and submit through the firm’s suitability process (if applicable).

Once the firm suitability review is completed, the Illustration and Brighthouse SmartCare Prep Tool should be submitted to newbusiness@highland.com.

 

e-App Experience

Client e-App Experience

Client e-Application Experience

Here is what your customer can expect, as well as tools and tips to help you stay informed.

  1. Initiating the Brighthouse SmartCare e-Application
    Once all documents are received, the Brighthouse Financial Client Consultant:
    • Generates the e-Application link to the proposed insured.
    • Emails client (cc: Highland Case Manager and Financial Professional) “What to Expect During Underwriting” document and important information about the e-Application process
  2. Client e-Application Experience
    • Client receives an email from eappsmartcare@brighthousefinancial.com containing a link to the Brighthouse SmartCare e-Application.
      • If the email does not appear in inbox, please check spam/junk folders.
    • To help ensure a successful completion of the e-Application, we recommend:
      • Using Chrome or Edge web browsers.
      • Using a personal device. Accessing the e-App from a corporate device OR a device with corporate software could cause errors due to firewall settings.
    • Client logs in to the e-Application by confirming date of birth and Social Security Number (SSN), requesting a one-time personal identification number (PIN), or via social media authentication (Google or Facebook). This allows the client unlimited access to the e-Application and will save all entered information. Please note that authentication verifies the client’s identity and provides an added layer of security
      • Brighthouse Financial does not share any client information with Google or Facebook
      • Single sign-on/one-time PIN: The client will receive a four-digit code via text message to their mobile number each time they wish to log in to the e-App
      • Google/Facebook: If the client chooses the Google/Facebook option: the client email address listed in the Brighthouse SmartCare Prep Tool must match the address for their Google/Facebook account. Please note: We do not share any of client information with Google or Facebook; This is ONLY used to verify identity
    • Client completes the e-Application and applies eSignatures to all documentation.
      • For e-Application technical support, please call 877-295-2114, Monday-Thursday 8:00 a.m.–6:00 p.m., and Friday 8:00 a.m.–5:00 p.m. ET.
    • Upon Client completion of the e-Application, the Financial Professional receives notification via email
    • The Brighthouse Financial Client Consultant provides e-Application status updates to the Financial Professional and Highland Case Manager throughout the process

*NY Only:

  • Client receives an email with documents to review prior to interview and a link to the scheduling tool to select their desired telephone interview time.
  • The client reviews all the documentation prior to the interview and provides consent to do business electronically (eConsent)
  • Brighthouse Financial Underwriter contacts the client and confirms their identity using their last name, DOB, Last 4 SSN and the name of their Financial Professional. Upon successful authentication, they confirm the client has received all documents that required review and that they agree to voice sign the application.
  • Brighthouse Financial Underwriter conducts the telephone interview to complete the application and client signs using voice signature. For applicants 66 and above, cognitive screening is required and will be completed by telephone interview. Upon Client completion of the application, the Financial Professional receives notification via email to review and electronically sign the application and forms.

*If a policy is being replaced, all replacement forms will be reviewed on the phone with the Brighthouse Financial Underwriter.

Financial Professional e-App Experience

Financial Professional e-Application Experience

  1. You will receive an email notification upon client completion of the e-Application.
    • Financial Professional receives an email from eappsmartcare@brighthousefinancial.com containing a link to the Brighthouse SmartCare e-Application.
      • If the email does not appear in inbox, please check spam/junk folder
    • Financial Professional logs in to the e-Application system using the last 4 of their SSN
    • Financial Professional completes the e-Application and applies eSignatures to all documentation
    • Financial Professional submits completed e-Application to Brighthouse Financial
    • The Brighthouse Financial Client Consultant provides e-Application status updates to the Financial Professional and Highland Case Manager throughout the process.

Policy Approval, Issue & Delivery

Clients Aged 40-65

Clients Aged 40-65

Once the e-Application is submitted, Brighthouse Financial provides an initial underwriting decision of Approved, Needs More Information, or Declined, generally within 24 hours.

  • Approved
    • Brighthouse Client Consultant contacts the Financial Professional with the underwriting decision and premium payment information.
    • Premium is submitted or obtained by Brighthouse via wire, automated clearing house (ACH), or 1035 exchange.
    • Brighthouse Financial applies the premium and issues the policy.
    • Policy Package is sent to Policy e-Delivery.
  • Needs More Information
    • Brighthouse Client Consultant contacts the Financial Professional with the additional information that is needed.
    • Additional information is provided to Brighthouse Financial and is reviewed until an Approved or Declined underwriting decision is made.
  • Declined
    • Brighthouse Client Consultant contacts the Financial Professional with the underwriting decision and the case is closed.
    • A letter of decision with explanation will be sent to the Proposed Insured/Owner via USPS regular mail.
Clients Aged 66-75

Clients Aged 66-75

Once the e-Application has been submitted, Brighthouse Financial will obtain the following underwriting requirements:

  • Attending Physician Statement (APS)
  • Cognitive Screening Interview (non-NY)
    • The Brighthouse Client Consultant will contact the Client to schedule the Cognitive Screening Interview, which is completed via telephone with a Brighthouse Underwriter.

Upon receipt of the additional underwriting requirements, Brighthouse Financial provides an initial underwriting decision of Approved or Declined, generally within 24 hours.

  • Approved
    • Brighthouse Client Consultant contacts the Financial Professional with the underwriting decision and premium payment information
    • Premium is submitted or obtained by Brighthouse Financial via wire, automated clearing house (ACH), or 1035 exchange.
    • Brighthouse Financial applies premium and issues the policy.
    • Policy Package is sent to Policy e-Delivery.
  • Declined
    • Brighthouse Client Consultant contacts the Financial Professional with the underwriting decision and the case is closed.
    • A letter of decision with explanation will be sent to the Proposed Insured/Owner via USPS regular mail.

Upon policy issue, you will receive an email from acceleratednb@highland.com containing a link to the policy delivery documents.

  • First-time users will need to create a DocFast account.
  • Log in to the e-Delivery system using the last four digits of your SSN.
  • Apply eSignatures to all documents.

Upon Financial Professional completion of policy delivery, the Client receives an email from policydelivery@ipipeline.com containing a link to the policy delivery documents.

  • Client logs in to the e-Delivery system using the last four digits of their SSN.
  • Client applies eSignatures to all documents.
  • Client can download or print a copy of the policy via PDF.

Upon completion of policy delivery, the Highland Case Manager and Financial Professional receive an email from policydelivery@ipipeline.com containing a link to policy delivery documents with eSignatures

  • A copy of the policy can be downloaded and/or printed via PDF

 

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Brighthouse SmartCare® is an indexed universal life insurance policy with long-term care riders issued by, and product guarantees are solely the responsibility of, Brighthouse Life Insurance Company, Charlotte, NC 28277 (“Brighthouse Financial”). All guarantees, including any optional benefits, are subject to the claims-paying ability and financial strength of the issuing insurance company. Each issuing insurance company is solely responsible for its own financial condition and contractual obligations. Brighthouse SmartCare has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. May not be available in all states.