I would strongly recommend anyone to avoid this company. It is the worst annuity company I have ever had to deal with. Over the last 20 years I have been a Trustee and Durable Power of Attorney for numerous people. Brighthouse Financial has been the most difficult and time consuming financial company I have experienced. Over 20 hours of my time has been spent trying to resolve simple issues such as account statement access, power of attorney, mailing addresses, and tax forms being correct. Brighthouse has repeatedly made the same errors and same unmet promises to correct their errors. The customer support agents are often difficult to understand. The systems to get help are cumbersome and deeply bureaucratic. Rather than give good and prompt feedback to help resolve issues the typical responses are "you will have to wait for the mail." Oftentimes the issues has been that I never received the mail or received the incorrect or wrong forms from their mailings. Their agents are resistant to provide a supervisor for assistance. They don't provide an opportunity to have email communication or follow-up on time sensitive matters. I have dealt with numerous financial companies and I readily admit most are straightforward when you have the proper forms and experience as a Trustee or POA. Unfortunately Brighthouse has been by far the worst company I have dealt with. Their errors and lack of good support has cost me and numerous people I represent unnecessary time and money.