Brighthouse Premier Accumulator Universal Life (PAUL) is giving clients even more value. Beginning on May 1st, 2017, PAUL issued by Brighthouse Life Insurance Company will be updated to feature no surrender charges.

Here is a list of states where PAUL is issued by Brighthouse Life Insurance Company and will have no surrender charges beginning on May 1st:

 Alabama Alaska Arizona Arkansas Colorado
 Connecticut  Delaware Washington, D.C. Florida Georgia
 Hawaii Idaho  Illinois Indiana Iowa
 Kansas Kentucky Louisiana  Maine Maryland
 Massachusetts Michigan Minnesota  Mississippi Montana
 Nebraska Nevada New Jersey New Mexico North Carolina
 North Dakota Ohio Oklahoma Oregon  Pennsylvania
 Rhode Island South Carolina South Dakota  Tennessee Texas
 Utah Vermont Washington West Virginia Wisconsin


Brighthouse Life Insurance Company and Brighthouse Life Insurance Company of NY are seeking approval for no surrender charges in the following states:

California Missouri New Hampshire New York Puerto Rico


Please note that PAUL with surrender charges will continue to be available in these states until the no surrender charge version is approved. In New York, PAUL with surrender charges is issued by Metropolitan Life Insurance Company.

For a real-time up to date list of state approvals, log onto to view our State Approval Grid.


Transition Rules

Applications submitted on or after May 1st in approved states will receive PAUL with no surrender charges. In good order applications submitted in approved states prior to May 1st will receive PAUL with surrender charges. For these cases, applications can be amended to PAUL with no surrender charges prior to a policy being issued.

Existing PAUL policyowners whose applications were submitted on or after March 6th will be eligible for a reissued policy with no surrender charges. These policyowners and their advisors will be contacted individually in a separate communication.


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GBS Insurance and Financial Services, Inc. is not affiliated with The Leaders Group, Inc. You may check the background of investment professionals on FINRA Broker Check

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