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Brighthouse SmartGuard PlusSM
e-Application Process

The Brighthouse SmartGuard PlusSM 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

Financial professional must be properly licensed, and can be appointed at application submission unless the business is signed in Pennsylvania, which requires pre-appointment:

  • SmartCare and SmartCare (NY): “Life,” or for “Life, Accident and Health,” determined by state Long-Term-Care 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.
    • AML Training completed through an approved AML carrier (if applicable)
  • SmartGuard Plus: “Variable Life”.
  • Firm Specific Licensing Requirements.
    • Financial Professional 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.
  • Completed Licensing packets should be submitted to Brighthouse Financial Onboarding at brokeronboarding@brighthousefinancial.com.
    • Once Licensing appointment is complete, an ID, comprised of the NPN and a 3-digit code, will be provided to the back office by our Broker Onboarding team.
 

Sales Process

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

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1. PREPARE

Life and LTC Internal Wholesaler provides financial professional with materials listed below for their selected product via email:

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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 SmartGuard PlusSM, complete the Brighthouse SmartGuard PlusSM Prep Tool with the customer.

Financial professional meets with the proposed insured to review the Pre-Qualification Checklist and Illustration to confirm they are a good candidate for their selected product.

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3. PROVIDE

Once sale is agreed upon, the financial professional completes the Prep Tool with the proposed insured

  • For questions and assistance with completing the Prep Tool, please have the financial professional contact their assigned Brighthouse Life and LTC Internal Wholesaler.
  • Completed Prep Tool and Illustration should be sent to newbusiness@highland.com.
 

e-App Experience

Client e-App Experience

Client e-Application Experience

Proposed insured receives an email from eappsmartcare@brighthousefinancial.com or eapplication@brighthousefinancial.com containing a link to the e-Application, “What to Expect During Underwriting” document, and Important Information about the eApplication Process. If the email does not appear in inbox, please check spam/junk folders.

Proposed insured logs in to the e-Application system by entering their Last Name, DOB and last 4 digits of SSN. For SmartGuard Plus cases where the policy owner is other than the proposed insured, the policy owner will complete the eApplication prior to the proposed insured. For these cases, the policy owner login criteria can vary.

Proposed insured completes the e-Application and applies eSignatures to all documentation.

  • Please note, for SmartGuard Plus cases where the policy owner is other than the proposed insured, the policy owner will apply their eSignatures to all documentation after the proposed insured has applied their eSignature.
  • For Technical Support with the e-Application, please call 877-295-2114 Monday-Thursday 8 a.m. – 6 p.m.; Friday 8 a.m. – 5 p.m. EST.

Upon proposed insured/policy owner completion of the e-Application, the financial professional receives notification via email.

The Brighthouse Client Consultant provides e-Application status updates to the Financial Professional and Highland Case Manager throughout the process.

Financial Professional e-App Experience

Financial Professional e-Application Experience

Financial professional receives an email from eappsmartcare@brighthousefinancial.com or eapplication@brighthousefinancial.com containing a link to the e-Application. If the email does not appear in inbox, please check spam/junk folders.

Financial professional logs in to the e-Application system using their Last Name and NPN.

Financial professional completes the e-Application and applies eSignatures to all documentation.

Financial professional submits completed e-Application to Brighthouse Financial.

The Brighthouse Client Consultant provides e-Application status updates to the Financial Professional and Highland Case Manager throughout the process.

Policy Approval, Issue & Delivery

Clients Aged 35-60

Clients Aged 35-60 (all amounts), or 61-65 with face amounts of $1M or less

Once the e-Application is submitted, Brighthouse provides an initial underwriting decision of Approved, Needs More Information, or Declined generally within 72 hours

Approved

  • Brighthouse Client Consultant contacts the Highland Capital Brokerage Case Manager with the underwriting decision and premium payment information
  • Premium is submitted or obtained by Brighthouse via wire, ACH or 1035 exchange
  • Brighthouse applies the premium and issues the policy
  • Policy Package is sent to Policy e-Delivery

Needs More Information

  • Brighthouse Client Consultant contacts the Highland Capital Brokerage Case Manager with the additional information that is needed
  • Additional information is provided to Brighthouse and is reviewed until an Approved or Declined underwriting decision is made

Declined

  • Brighthouse Client Consultant contacts the Highland Capital Brokerage Case Manager with the underwriting decision and the case is closed
  • A letter of decision with explanation will be sent to the proposed insured / policy owner via USPS regular mail
Clients Aged 61-65

Clients aged 61-65 with face amounts of $1m or greater

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

  • Attending Physician Statement (APS)

Upon receipt of the additional underwriting requirements, Brighthouse provides an initial underwriting decision of Approved or Declined generally within 72 hours for SmartGuard Plus

Approved

  • Brighthouse Client Consultant contacts the Highland Capital Brokerage Case Manager with the underwriting decision and premium payment information
  • Premium is submitted or obtained by Brighthouse via wire, ACH or 1035 exchange
  • Brighthouse applies premium and issues the policy
  • Policy Package is sent to Policy e-Delivery

Declined

  • Brighthouse Client Consultant contacts the Highland Capital Brokerage Case Manager with the underwriting decision and the case is closed
  • A letter of decision with explanation will be sent to the proposed insured / policy owner via USPS regular mail

Upon policy issue, epolicy@highland.com receives an email from policydelivery@ipipeline.com containing a link to the policy delivery documents. The Highland team assigns to the Case Manager and routes the documents to the Financial Professional.

  • For first time users, a DocFast account creation will need to be needed
  • Financial professional logs in to DocFast
  • Financial professional applies eSignatures to all documents

Upon financial professional completion of policy delivery, the policy owner receives an email from policydelivery@ipipeline.com containing a link to the policy delivery documents

  • Policy owner logs in to the e-Delivery system using the last 4 of SSN
  • Policy owner applies eSignatures to all documents
  • Policy owner can download or print a copy of the policy via PDF
  • Please note, for SmartGuard Plus policies the insured will receive an email with a link to sign any amendments, if applicable

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

  • Financial Professional can download or print a copy of the policy via PDF

 

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Brighthouse SmartGuard PlusSM 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 SmartGuard PlusSM 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.