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 & Appointment

• 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

    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.

    

    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:

    • Illustration—provided by your wholesale team
    • Pre-Qualification Checklist
    • Prep Tool
    • Brighthouse HIPAA

    

    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.

    

    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-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
    • 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-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.