Brighthouse Financial, Inc. is a U.S.-based financial services company that offers annuity and life insurance solutions throughout the country. Its operations are organized into three main divisions: Annuities, Life, and Run-off. The Annuities segment provides a range of products, including variable, fixed, index-linked, and income annuities, designed to help clients with tax-deferred wealth accumulation, estate planning, and securing future income. Through its Life segment, the company delivers various life insurance policies such as term, universal, whole, and variable life, meeting policyholders' needs for financial protection and protected wealth transfer. The Run-off segment is responsible for managing a portfolio of older business, which includes structured settlements, pension risk transfer contracts, specific company-owned life insurance policies, funding agreements, and universal life policies with secondary guarantees. The firm was established in 2016 and is headquartered in Charlotte, North Carolina.