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Private company

BRIGHTHOUSE LIFE INSURANCE Co

American life insurance company based in Wilmington2

In its 2026 annual report the company says: “We offer a range of annuity and life insurance products to individuals and deliver our products through multiple independent distribution channels and marketing arrangements with a diverse network of distribution partners. We are organized into the following reportable segments: Annuities; Life; Run-off; and Corporate & Other.”4

Last updated Oct 21, 2026.

Overview

  • IndustryLife Insurance2
  • HeadquartersWilmington, United States2
  • Incorporated inDE3
  • Business address11225 North Community House Road, Charlotte, Nc 282773
  • Filer categoryNon-accelerated filer3
  • Legal formCorporation2
  • Kind of organizationFund2
  • LEI549300CU86T3N3GOAZ252
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O THE CORPORATION TRUST COMPANY, 19801 Wilmington, United States2
  • Registered withSecurities and Exchange Commission, 00007330762

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We offer a range of annuity and life insurance products to individuals and deliver our products through multiple independent distribution channels and marketing arrangements with a diverse network of distribution partners. Brighthouse Life Insurance Company, a Delaware corporation, is licensed to write business in all U.S. states (except New York), the District of Columbia, the Bahamas, Guam, Puerto Rico, the British Virgin Islands and the U.S. Virgin Islands. Brighthouse Life Insurance Company of NY (“BHNY”), a wholly-owned subsidiary of Brighthouse Life Insurance Company, is domiciled in New York and licensed to write business only in New York.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

4.7%Net margin5
53.2%Revenue growth, 20255
3.6%Return on equity5
0.10×Debt to equity5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs95¢$5.8B
  • Income tax0¢$27.0M
  • Profit5¢$289.0M

Out of $6.1B in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Kept or used elsewhere100¢$482.0M

Out of $482.0M of cash from operations.5

Financial statements

Revenue67895$6.1B in 2025+8% since 2019
0$2.0B$4.0B$6.0B$8.0B2019: $5.6B$5.6B20192020: $7.6B$7.6B2020+34%2021: $4.1B$4.1B2021−46%2022: $6.2B$6.2B2022+50%2023: $3.4B$3.4B2023−45%2024: $4.0B$4.0B2024+17%2025: $6.1B$6.1B2025+53%
Net income67895$289.0M in 2025
-$2.0B0$2.0B$4.0B2019: -$809.0M-$809.0M20192020: -$1.3B-$1.3B2020+61%2021: $1.8B$1.8B20212022: $3.7B$3.7B2022+111%2023: -$1.1B-$1.1B20232024: $256.0M$256.0M20242025: $289.0M$289.0M2025+13%
Fiscal year2019202020212022202320242025
Revenue$5.6B6$7.6B7$4.1B8$6.2B9$3.4B5$4.0B5$6.1B5
Operating expenses$1.8B8$1.7B9$1.6B5$1.6B5$1.6B5
Income before tax$2.1B8$4.5B9-$1.5B5$242.0M5$263.0M5
Income tax-$338.0M6-$433.0M7$379.0M8$795.0M9-$383.0M5-$15.0M5-$27.0M5
Net income-$809.0M6-$1.3B7$1.8B8$3.7B9-$1.1B5$256.0M5$289.0M5

Compare BRIGHTHOUSE LIFE INSURANCE Co with another company

Corporate structure

BRIGHTHOUSE LIFE INSURANCE Co is part of a group headed by Brighthouse Financial. 19 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

  • Brighthouse Financial Charlotte, North Carolina, United States
    • BRIGHTHOUSE LIFE INSURANCE Co Wilmington, Delaware, United States
    • BRIGHTHOUSE LIFE INSURANCE Co OF NY New York, New York, United States
    • BLIC Property Ventures, LLC Subsidiary · Delaware, United States
    • BLICNY Property Ventures, LLC Subsidiary · Delaware, United States
    • Brighthouse Assignment Company Subsidiary · Connecticut, United States
    • Brighthouse Holdings, LLC Subsidiary · Delaware, United States
    • Brighthouse Investment Advisers, LLC Subsidiary · Delaware, United States
    • BRIGHTHOUSE REINSURANCE COMPANY OF DELAWARE Subsidiary · Charlotte, North Carolina, United States
    • Brighthouse Renewables Holding, LLC Subsidiary · Delaware, United States
    • Brighthouse Securities, LLC Subsidiary · Delaware, United States
    • Brighthouse Services, LLC Subsidiary · Charlotte, North Carolina, United States
    • Euro TI Investments LLC Subsidiary · Delaware, United States
    • Euro TL Investments LLC Subsidiary · Delaware, United States
    • Greater Sandhill I, LLC Subsidiary · Delaware, United States
    • NEW ENGLAND LIFE INSURANCE COMPANY Subsidiary · New York, New York, United States
    • TLA Holdings II LLC Subsidiary · Delaware, United States
    • TLA Holdings LLC Subsidiary · Delaware, United States
    • MetLife Multi-Index Targeted Risk Portfolio Fund · Charlotte, North Carolina, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC. Each entity in the chart links to its source.

What it owns

What BRIGHTHOUSE LIFE INSURANCE Co reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Investments

ItemLatestA year beforeChange
Marketable securities, current$1.2B9 Dec 31, 2024$574.0M9 Dec 31, 2023+101.6%
Debt securities available for sale$81.0B5 Dec 31, 2025$79.1B5 Dec 31, 2024+2.3%
Stakes in other companies (equity method)$4.7B5 Dec 31, 2025$4.8B9 Dec 31, 2024−2.1%

Leadership

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive Officer, DirectorDavid A. Rosenbaum named Sep 25, 202613
  • Executive Officer, DirectorEdward A. Spehar named Sep 25, 202613
  • Executive Officer, DirectorEric T. Steigerwalt named Sep 25, 202613
  • Executive OfficerGianna H. Figaro-Sterling named Sep 25, 202613
  • Executive Officer, DirectorJohn L. Rosenthal named Sep 25, 202613
  • Executive Officer, DirectorMyles J. Lambert named Sep 25, 202613
  • Executive OfficerRichard A. Cook named Sep 25, 202613

Former names

  • MetLife Insurance Co USANov 20, 2014 to Mar 6, 20173
  • MetLife Insurance CO of ConnecticutMay 15, 2006 to Nov 17, 20143
  • TRAVELERS INSURANCE COMay 4, 1995 to May 4, 20063

Timeline

  1. Nov 14, 2014Founded BRIGHTHOUSE LIFE INSURANCE Co is founded2

Filings

214 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 10 private raises, 184 other. The latest 20:

  1. Sep 25, 2026D/A EDGAR
  2. Sep 25, 2026D/A EDGAR
  3. Aug 10, 202610-Q EDGAR
  4. Jun 29, 2026S-3 BRIGHTHOUSE SMARTGUARD PLUS EDGAR
  5. May 11, 202610-Q EDGAR
  6. Feb 27, 202610-K EDGAR
  7. Nov 24, 2025RW BRIGHTHOUSE SHIELD LEVEL PAY PLUS/SM/ ANNUITY EDGAR
  8. Nov 24, 2025RW BRIGHTHOUSE SHIELD/SM/ LEVEL SELECT 6-YEAR ANNUITY EDGAR
  9. Nov 24, 2025RW BRIGHTHOUSE SHIELD/SM/ LEVEL SELECT 3-YEAR ANNUITY EDGAR
  10. Nov 12, 202510-Q EDGAR
  11. Sep 26, 2025D/A EDGAR
  12. Sep 26, 2025D/A EDGAR
  13. Aug 11, 202510-Q EDGAR
  14. Jul 29, 2025S-3 BRIGHTHOUSE SHIELD LEVEL PAY PLUS/SM/ ANNUITY EDGAR
  15. Jul 29, 2025S-3 BRIGHTHOUSE SHIELD/SM/ LEVEL SELECT 6-YEAR ANNUITY EDGAR
  16. Jul 29, 2025S-3 BRIGHTHOUSE SHIELD/SM/ LEVEL SELECT 3-YEAR ANNUITY EDGAR
  17. May 12, 202510-Q EDGAR
  18. Mar 4, 202510-K EDGAR
  19. Nov 12, 202410-Q EDGAR
  20. Sep 27, 2024D/A EDGAR

The 214 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Money received by year$884.9M 1998–2005
Money received by yearMoney received by year, 1998–2005: $884.9M in all. Private raises (Form D) $884.9M.$0$200M$400M$600M$800M1998 · Private raises (Form D): $611.2M19982000200220042005 · Private raises (Form D): $273.7M2005
Figures by year
YearPrivate raises (Form D)Total
2005$273.7M$273.7M
1998$611.2M$611.2M

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

  1. Jun 1, 2005Raised $273.7 million in a private offering of securities14 Form D: 2 investors so far Form D
  2. Dec 1, 1998Raised $611.2 million in a private offering of securities13 Form D: 7 investors so far Form D

SEC filer profile

How BRIGHTHOUSE LIFE INSURANCE Co is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARBRIGHTHOUSE LIFE INSURANCE Co1
  • CIK0000733076
  • Employer ID (EIN)06-05660904
  • Filer statusNon-accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inDelaware4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6311 Life Insurance1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address11225 North Community House Road, Charlotte, NC 282771
  • Phone980-365-71001
  • Shares outstanding3,000 as of Aug 10, 202611
  • Public float$0 as of Jun 30, 20255
  • AuditorDeloitte & Touche LLP, Charlotte, North Carolina PCAOB ID 34; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceMar 31, 19951
  • Filings1,148 in all: 424B3 (238), 10-Q (95), EFFECT (94), POS AM (94), FWP (89), CORRESP (77), S-3 (49), S-3/A (49)1
    All 42 form types

    4 (46), 10-K (28), 8-K (27), 13F-NT (26), D/A (24), UPLOAD (20), 497J (19), 13F-NT/A (18), S-2 (18), D (16), S-1 (15), 497 (10), S-2/A (10), 40-OIP/A (9), RW (8), REGDEX (7), S-1/A (7), 40-APP (6), 40-APP/A (6), 40-OIP (5), 424B2 (5), 5 (5), 10-K405 (4), 8-K/A (4), REGDEX/A (4), 485BPOS (3), AW (3), OIP ORDR (3), OIP NTC (2), 10-K/A (1), 4/A (1), 5/A (1), NT 10-Q (1), SC 13D/A (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Latest 8-K (8-K) Feb 8, 2019

Risk factors and legal proceedings

The risks BRIGHTHOUSE LIFE INSURANCE Co names in Item 1A of its 10-K filed Feb 27, 2026: 35 risks under these headings, as written.4

  • Index to Risk Factors
  • Risks Related to the Merger
  • The completion of the Merger is subject to a number of conditions, many of which are largely outside the parties’ control, and, if these conditions are not satisfied or waived, the Merger may not be completed within the expected timeframe or at all
  • Failure to complete the Merger could adversely affect Brighthouse Financial’s business, results of operations or financial condition, including in the event BHF is required to pay the termination fee
  • While the Merger is pending, Brighthouse Financial will be subject to business uncertainties and certain contractual restrictions that could adversely affect our business, results of operations or financial condition
  • Risks Related to Our Business
  • Differences between actual experience and actuarial assumptions may adversely affect our financial results, capitalization and financial condition
  • Guarantees within certain of our annuity products may decrease our earnings, decrease our capitalization, increase the volatility of our results, result in higher risk management costs and expose us to increased market risk
  • Our hedging strategy may not be effective, which may result in significant volatility in our profitability measures or may negatively affect our statutory capital
  • We may not have sufficient assets to meet our future ULSG policyholder obligations, and changes in interest rates may result in volatility of our profitability measures and capital
  • Changes in accounting standards issued by the Financial Accounting Standards Board may adversely affect our financial statements
  • A downgrade or a potential downgrade in our financial strength ratings could result in a loss of business and materially adversely affect our financial condition and results of operations
The other 26 risks
  • An inability to access credit facilities could result in a reduction in our liquidity and lead to downgrades in Brighthouse Financial’s credit ratings and our financial strength ratings
  • Reinsurance may not be available, affordable or adequate to protect us against losses
  • If the counterparties to our reinsurance or indemnification arrangements or to the derivatives we use to hedge our business risks default or fail to perform, we may be exposed to risks we had sought to mitigate, which could materially adversely affect our financial condition and results of operations
  • We may not be able to take credit for reinsurance, our statutory life insurance reinsurance financings may be subject to cost increases and new financings may be subject to limited market capacity
  • Factors affecting our competitiveness may adversely affect our market share and profitability
  • Brighthouse Financial may experience difficulty in marketing and distributing products through our distribution channels
  • The failure of third parties to provide various services to us, or any failure of the practices and procedures that these third parties use to provide services to us, could have a material adverse effect on our business
  • Changes in our deferred income tax assets or liabilities, including changes in our ability to realize our deferred income tax assets, could adversely affect our financial condition or results of operations
  • Risks associated with climate change could adversely affect our business, financial condition and results of operations.
  • Public health crises, extreme mortality events or similar occurrences may adversely impact our business, financial condition, or results of operations, as well as the economy in general
  • Brighthouse Financial could face difficulties, unforeseen liabilities, asset impairments or rating actions arising from business acquisitions or dispositions
  • Continued scrutiny and evolving expectations from investors, customers, regulators and other stakeholders regarding environmental, social and governance matters may adversely affect our reputation or otherwise adversely impact our business and results of operations
  • Economic Environment and Capital Markets-Related Risks
  • If difficult conditions in the capital markets and the U.S. economy generally persist or are perceived to persist, they may materially adversely affect our business and results of operations
  • Adverse capital and credit market conditions may significantly affect our ability to meet liquidity needs and our access to capital
  • We are exposed to significant financial and capital markets risks which may adversely affect our financial condition, results of operations and liquidity, and may cause our profitability measures to vary from period-to-period
  • Interest Rate Risk
  • Inflation Risk
  • Risks Related to Our Investment Portfolio
  • Our investment portfolio is subject to significant financial risks both in the U.S. and global financial markets, including credit risk, interest rate risk, inflation risk, market valuation risk, liquidity risk, real estate risk, derivatives risk, and other factors outside our control, the occurrence of any of which could have a material adverse effect on our financial condition and results of operations
  • Market Valuation Risk
  • Liquidity Risk
  • Real Estate Risk
  • Derivative Risk
  • Ongoing military actions, the continued threat of terrorism, climate change as well as other catastrophic events may adversely affect the value of our investment portfolio and the level of claim losses we incur
  • Regulatory and Legal Risks
  • Our business is highly regulated, and changes in regulation and in supervisory and enforcement policies or interpretations thereof may materially impact our capitalization or cash flows, reduce our profitability and limit our growth
  • A decrease in the RBC ratio of Brighthouse Life Insurance Company or BHNY (as a result of a reduction in statutory capital and surplus or an increase in the required RBC capital charges), or a change in the rating agency proprietary capital models, could result in increased scrutiny by insurance regulators and rating agencies and could have a material adverse effect on our financial condition and results of operations
  • Changes in tax laws or interpretations of such laws could reduce our earnings and materially impact our operations by increasing our corporate taxes and making some of our products less attractive to consumers
  • Legal disputes and regulatory investigations are common in our businesses and may result in significant financial losses or harm to our reputation
  • Operational Risks
  • Any gaps in our policies, procedures, or processes may leave us exposed to unidentified or unanticipated risk, and our models used by our business may not operate properly and could contain errors, each of which could adversely affect our business, financial condition, or results of operations
  • Any failure in our cybersecurity risk management program, as well as the occurrence of events unanticipated in Brighthouse Financial’s or our third-party service providers’ disaster recovery systems and business continuity planning, could result in a loss or disclosure of confidential information, damage to our reputation and impairment of our ability to conduct business effectively
  • Our associates and those of our third-party service providers may take excessive risks which could negatively affect our financial condition and business
  • Any failure to protect the confidentiality of customer, associate, or other third-party information could adversely affect our reputation and have a material adverse effect on our business, financial condition and results of operations
  • Risks Related to Our Separation from, and Continuing Relationship with, MetLife
  • If the Separation were to fail to qualify for non-recognition treatment for federal income tax purposes, then we could be subject to significant tax liabilities

Legal proceedings

See Note 15 of the Notes to the Consolidated Financial Statements.

The opening of Item 3, Legal Proceedings.4

Sources

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