Servicing my policy
At this time, Brighthouse does not offer servicing online, if you need to contact Brighthouse or make any changes please contact Policygenius.
Fax: (877) 246-8424
Phone: (855)-695-2255
Commonly asked questions
I want to look into a whole life or permanent life policy in the future. Can I convert my term policy to a permanent policy?
Absolutely! You can convert your Term policy into a Permanent Life policy prior to age 70. Each life insurance company is different so please review the guidelines on Brighthouse’s conversion policy located within your policy’s fine print.
If you are interested in converting your policy please give us a call at:
855-695-6655 option 3 or you can schedule some time here.
How do I cancel my policy?
If you decide you no longer want to continue your policy you may cancel it at any time during the term period. There is no fee to cancel.
Only the Policyowner is allowed to cancel their existing coverage, please reach out to your current provider and cancel the policy with them directly.
Can I make changes to the owner or beneficiary after my policy has been activated?
Yes, forms can be found on the carriers website or by contacting Policygenius.
How does my beneficiary file a claim for a death benefit?
File a claim on the phone: (800) 882-1292
Please provide this article to your beneficiary as a resource should they need to file a claim: Death Benefit Special Considerations
Where do I mail recurring premium checks or forms for a policy change request?
Brighthouse
P.O. Box 392
Warwick, RI 02887-0392
Can I change my payment mode after my policy goes active?
Yes
Can I decrease coverage once my policy has been activated?
Yes, after being active for 1 year, however the minimum face amount you must maintain is $100,000.
What happens if my term life insurance policy lapses?
If you’re the owner of a term life insurance policy and you haven’t paid your premium by the end of your insurer’s grace period, your policy will lapse and you’ll lose your life insurance coverage. If you die after your policy has lapsed, your beneficiaries won’t receive the death benefit, no matter how much you’ve previously paid in premiums.
What is a grace period?
Every state’s department of insurance requires life insurance companies to provide a grace period when a premium payment is late or missed. That grace period is usually 30 or 31 days (but varies from carrier to carrier) and begins the day that a payment is due and isn’t received.
During the grace period, you’re still fully covered by your policy, meaning that if you were to die during this time, your insurance company would still pay out the death benefit to your beneficiaries. But if you want to keep your coverage, you’ll need to pay your missed premium before the grace period ends which is generally 30-31 days after the initial due date. Depending on your insurer’s guidelines, you may also have to pay a late fee.
How do I reinstate my policy if it has lapsed?
If you still haven’t paid your premiums by the time your insurance carrier’s grace period ends, your policy has officially lapsed and you no longer have life insurance coverage. At this point, you’ll have to contact your insurer to reinstate your policy, a process that varies from carrier to carrier.
Reinstatement is dependent upon the carrier and it is a case-by-case basis depending on the situation. Applying for reinstatement of a policy might involve signing a document stating that your health has not changed. In addition, you will need to pay backdated premiums to the date that the policy lapsed.
Depending on your insurer, how long your policy has been lapsed, and whether you had any red flags in your medical history when you first applied for life insurance, reinstatement might also require new underwriting. Some companies won’t require new underwriting if the policy has been inactive for less than 6 months; others may require only a limited underwriting process.
Despite these extra steps, it’s worth doing what you can to reinstate an existing policy that has lapsed rather than taking out a new one. The reason is that your rates are very likely to be higher if you apply for a new policy, because you’ll be older than you were when you last applied for insurance, and may have new medical conditions.
