Brighthouse SmartCare Hybrid LTC
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Hybrid policy, premium can be paid over 10 years (vs single payment), $50k-500k+ death benefit + LTC pool.
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Best 10-year pay
Quote through Brighthouse advisors. 10-year pay option is the differentiator.
Brighthouse SmartCare Hybrid LTC is the right pick for hybrid life-LTC paid over 10 years instead of single payment. $50k-500k+ death benefit + LTC pool. The pick if you want hybrid coverage but don't want to write a single check for $50k+.
Pros
- 10-year premium payment option
- $50k-500k+ death benefit
- Hybrid policy advantages
Cons
- Total cost slightly higher than single-pay
- Long-term commitment to premium payments
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