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Home→Financial Institutions→Brighthouse→Preparing your estate

How to name beneficiaries and fund a trust at Brighthouse

Covers 10 insurance accounts — beneficiaries can be managed online

OverviewPreparing your estateWhen someone dies

Brighthouse

Insurance · Nationwide

brighthousefinancial.com→
Brighthouse logo

Customer Service Center

Phone1-800-882-1292
Fax1-877-246-8424
Mailing Address

Brighthouse Financial, P.O. Box 4301, Clinton, IA 52733-4301 (variable contracts); P.O. Box 4363, Clinton, IA 52733-4363 (non-variable contracts)

Online Servicing Support
1-888-243-1974
Group Annuity Products
1-833-208-3018
Life Insurance (US/FM policies and former NEF 55, 27, 28, 38, 2U, 0Y, 0Z)
1-833-208-3017
Met/Tower and GenAm legacy policies
1-877-638-0411
Former Travelers policies (beginning with 1-9)
1-800-882-1292
Former NEF policies (beginning with 1Y)
1-800-458-2654
Former GenAm policies (beginning with 72, 73)
1-800-638-9294
Former NEF policies (beginning with 3Y)
1-800-388-4000
Former NEF policies (beginning with 3U, 4U, 5U, 1Z)
1-800-943-4377
Promise Whole Life (ending in UT)
1-800-638-5000
Long-Term Care Servicing
1-888-507-9185
Long-Term Care Claims
1-877-582-7767
Disability Policies
1-844-405-1390
Total Control Account
1-800-638-7283
Forms Portal (forms.brighthousefinancial.com) login support
1-800-504-0739
WebsiteLearn more→

Customer Service Center

Phone1-800-882-1292
Fax1-877-246-8424
Mailing Address

Brighthouse Financial, P.O. Box 4301, Clinton, IA 52733-4301 (variable contracts); P.O. Box 4363, Clinton, IA 52733-4363 (non-variable contracts)

Online Servicing Support
1-888-243-1974
Group Annuity Products
1-833-208-3018
Life Insurance (US/FM policies and former NEF 55, 27, 28, 38, 2U, 0Y, 0Z)
1-833-208-3017
Met/Tower and GenAm legacy policies
1-877-638-0411
Former Travelers policies (beginning with 1-9)
1-800-882-1292
Former NEF policies (beginning with 1Y)
1-800-458-2654
Former GenAm policies (beginning with 72, 73)
1-800-638-9294
Former NEF policies (beginning with 3Y)
1-800-388-4000
Former NEF policies (beginning with 3U, 4U, 5U, 1Z)
1-800-943-4377
Promise Whole Life (ending in UT)
1-800-638-5000
Long-Term Care Servicing
1-888-507-9185
Long-Term Care Claims
1-877-582-7767
Disability Policies
1-844-405-1390
Total Control Account
1-800-638-7283
Forms Portal (forms.brighthousefinancial.com) login support
1-800-504-0739
WebsiteLearn more→

Claims Department

Phone1-800-882-1292
Fax1-877-246-8424
Mailing Address

Brighthouse Financial, P.O. Box 4364, Clinton, IA 52733-4364; Overnight: 1315 19th Ave NW, Clinton, IA 52732-2752

WebsiteNotify online→
Verified Jun 2026

For Brighthouse policyholders, estate planning comes down to one critical step: making sure the right beneficiaries are named on every policy. Insurance proceeds bypass probate entirely and go directly to whoever is listed—regardless of what a will says. When estate tax planning or controlled distributions are a factor, a trust can be named as beneficiary instead.

Across 10 product types, Brighthouse policies vary in how they transfer at death. The sections below walk through beneficiary designations, trust funding options, and which products support each method.

Brighthouse Shield Level II AnnuityBrighthouse Shield Level Pay Plus II AnnuityBrighthouse Variable Annuity with FlexChoice AccessBrighthouse SecureKey Fixed Indexed AnnuityBrighthouse Fixed Rate AnnuityBrighthouse Income AnnuityBrighthouse Guaranteed Income BuilderBrighthouse SmartCareBrighthouse SmartGuard PlusBrighthouse Term Life Insurance
1
Log in to your account at brighthousefinancial.com
2
Navigate to the "I want to" dropdown menu on the left sidebar
3
Select the servicing forms option to download the Beneficiary Change form
4
Complete the form and submit per the mailing instructions on the form
Online Portal→

Required Documents

  • Trust name, date established, and tax ID (EIN or SSN)

Special Requirements

  • Trusts can be named as primary or contingent beneficiary
  • Trust Certification form required when a trustee is designated as beneficiary (Medallion Signature Guarantee required on Trust Certification)
  • A notary seal is NOT a substitute for a Medallion Signature Guarantee
  • Medallion Signature Guarantee may be required for recent address changes with transactions over $10,000
  • Primary and contingent beneficiaries allowed with percentage allocations
  • Spousal consent may be required in community property states
SimplyTrustSimplyTrust Editorial·Updated June 22, 2026

Sources

  • brighthousefinancial.com
  • forms.brighthousefinancial.com

Data sourced from Brighthouse primary sources (18 pages reviewed). How we research.

Brighthouse

Insurance · Nationwide

brighthousefinancial.com→
Brighthouse logo

Customer Service Center

Phone1-800-882-1292
Fax1-877-246-8424
Mailing Address

Brighthouse Financial, P.O. Box 4301, Clinton, IA 52733-4301 (variable contracts); P.O. Box 4363, Clinton, IA 52733-4363 (non-variable contracts)

Online Servicing Support
1-888-243-1974
Group Annuity Products
1-833-208-3018
Life Insurance (US/FM policies and former NEF 55, 27, 28, 38, 2U, 0Y, 0Z)
1-833-208-3017
Met/Tower and GenAm legacy policies
1-877-638-0411
Former Travelers policies (beginning with 1-9)
1-800-882-1292
Former NEF policies (beginning with 1Y)
1-800-458-2654
Former GenAm policies (beginning with 72, 73)
1-800-638-9294
Former NEF policies (beginning with 3Y)
1-800-388-4000
Former NEF policies (beginning with 3U, 4U, 5U, 1Z)
1-800-943-4377
Promise Whole Life (ending in UT)
1-800-638-5000
Long-Term Care Servicing
1-888-507-9185
Long-Term Care Claims
1-877-582-7767
Disability Policies
1-844-405-1390
Total Control Account
1-800-638-7283
Forms Portal (forms.brighthousefinancial.com) login support
1-800-504-0739
WebsiteLearn more→

Customer Service Center

Phone1-800-882-1292
Fax1-877-246-8424
Mailing Address

Brighthouse Financial, P.O. Box 4301, Clinton, IA 52733-4301 (variable contracts); P.O. Box 4363, Clinton, IA 52733-4363 (non-variable contracts)

Online Servicing Support
1-888-243-1974
Group Annuity Products
1-833-208-3018
Life Insurance (US/FM policies and former NEF 55, 27, 28, 38, 2U, 0Y, 0Z)
1-833-208-3017
Met/Tower and GenAm legacy policies
1-877-638-0411
Former Travelers policies (beginning with 1-9)
1-800-882-1292
Former NEF policies (beginning with 1Y)
1-800-458-2654
Former GenAm policies (beginning with 72, 73)
1-800-638-9294
Former NEF policies (beginning with 3Y)
1-800-388-4000
Former NEF policies (beginning with 3U, 4U, 5U, 1Z)
1-800-943-4377
Promise Whole Life (ending in UT)
1-800-638-5000
Long-Term Care Servicing
1-888-507-9185
Long-Term Care Claims
1-877-582-7767
Disability Policies
1-844-405-1390
Total Control Account
1-800-638-7283
Forms Portal (forms.brighthousefinancial.com) login support
1-800-504-0739
WebsiteLearn more→

Claims Department

Phone1-800-882-1292
Fax1-877-246-8424
Mailing Address

Brighthouse Financial, P.O. Box 4364, Clinton, IA 52733-4364; Overnight: 1315 19th Ave NW, Clinton, IA 52732-2752

WebsiteNotify online→
Verified Jun 2026

Estate planning articles

Learn how to protect your Brighthouse accounts and other assets with trusts, beneficiary designations, and estate planning documents.

When you're ready, we're here.

A revocable living trust skips probate, stays private, and takes 15 minutes.

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Learn how to protect your Brighthouse accounts and other assets with trusts, beneficiary designations, and estate planning documents.

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Essential steps for gathering property deeds, tax records, and ownership documents after someone passes away.
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